What is the purpose of OPCF 27?

The purpose of OPCF 27, which stands for "Owner's Policy Change Form," specifically relates to liability for damage to non-owned automobiles. This endorsement provides coverage for an insured driver who may be using a vehicle that they do not own but are responsible for. It extends liability insurance to cover damage caused to vehicles that the insured does not own, ensuring that they have protection against claims that could arise from such use.

This is crucial in situations where an individual borrows a friend's or relative's vehicle and unintentionally causes damage. With this coverage, the person's insurance policy will respond to any claims related to that incident, protecting both the insured and the vehicle's owner. Understanding this endorsement is important for recognizing how liability coverage functions beyond just owned vehicles.