What effect does the OPCF 44R endorsement have on covered injuries from uninsured motorists?

The OPCF 44R endorsement, known as the Family Protection endorsement, is designed to enhance coverage available to an insured's family members in the event of an accident with an uninsured or underinsured motorist. One of its primary functions is to ensure that, if you are involved in an accident where the at-fault driver does not have adequate insurance, your own policy will provide additional protection up to the amount of your liability limits.

By enhancing coverage limits, the endorsement effectively increases the financial safety net available to the insured's immediate family, allowing them to claim for losses that they might not otherwise be able to recover. This means that if a family member is injured by an uninsured motorist, they can rely on this endorsement to access broader coverage, ensuring that their compensation aligns more closely with what they would have received had the at-fault driver been properly insured.

This endorsement addresses significant gaps in coverage and protects the insured’s family against potential financial hardship resulting from such accidents.