What is the purpose of the Family Protection endorsement, OPCF 44?

The Family Protection endorsement, known as OPCF 44, is designed specifically to protect the insured against the financial consequences of another party's inadequate auto liability insurance. This is crucial because, in cases of an accident where the at-fault party does not have sufficient liability coverage to pay for the damages incurred by the insured or their family members, the Family Protection endorsement steps in to fill that gap.

This endorsement essentially provides an additional layer of protection, ensuring that the insured can recover compensation for injuries or damages even if the responsible party's insurance is insufficient. This safety net is particularly important in auto insurance, where accidents can lead to significant medical expenses and other costs.

In contrast, the other options address different aspects of insurance coverage. The first option focuses on injuries to passengers without sufficient insurance, which does not capture the primary function of OPCF 44. The third option concerns protection in different jurisdictions but does not align with the specific role of the endorsement. Meanwhile, the last option suggests a broader coverage for injuries sustained, which is not the primary focus of the Family Protection endorsement. Hence, choice B accurately reflects the essential purpose of OPCF 44 in safeguarding the insured from liabilities resulting from other parties' inadequate insurance coverage.