Navigating the world of auto insurance can occasionally feel like deciphering a complicated maze, especially when dealing with unique situations that deviate from the norm. Among these unique but crucial scenarios is the need for coverage when driving, renting, or leasing vehicles not owned by the insured individual. This is where the OPCF 27 form, officially titled "Liability for Damage to Non-Owned Automobile(s), and Other Coverages When Insured Persons Drive, Rent or Lease Other Automobiles," plays a pivotal role. Designed to enhance an existing auto insurance policy, this form extends coverage to include damages to vehicles that the insured person does not own, effectively filling in gaps that standard policies might leave open. By extending coverage to non-owned automobiles, including their equipment, under the care, custody, or control of the insured person, OPCF 27 provides a safety net that is as robust as it is reassuring. It encompasses a broad range of drivers, from the policyholder and their spouse to other designated individuals, underscoring its flexibility and wide applicability. Yet, it's not just about broadening the scope of who is covered and what gets protected; this form also delineates the specific circumstances under which the coverage applies, the types of perils it includes, and the limitations inherent to its provisions. Whether it's the additional premium required for this extension, the nuanced definitions of other automobiles, or the precise limitations on coverage, OPCF 27 intricately weaves additional protection into the fabric of a standard auto insurance policy, allowing for peace of mind when operating vehicles outside of personal ownership.
| Question | Answer |
|---|---|
| Form Name | Form Opcf 27 |
| Form Length | 2 pages |
| Fillable? | No |
| Fillable fields | 0 |
| Avg. time to fill out | 30 sec |
| Other names | 1064E opcf27b form |
OPCF 27
Liability for Damage to
Other Coverages When Insured Persons Drive, Rent or Lease Other
Automobiles
Issued to |
Effective Date of Change |
Policy Number |
||
|
Year |
Month |
Day |
|
|
|
|
|
|
The additional premium for this change is $ …………………… or as indicated on your Certificate of Automobile Insurance
1. Purpose of This Change - This change is part of your policy. It extends coverage:
for loss or damage to a
when persons named below drive other automobiles or rent or lease other automobiles.
2.Who Is Covered
2.1If the Certificate of Automobile Insurance is in the name of an individual or individuals, an insured person in this change form means you, your spouse and all drivers listed in the policy.
2.2If the Certificate of Automobile Insurance is in the name of a corporation, unincorporated association, partnership, sole proprietorship or other entity, an insured person in this change form means the persons named below and their spouses.
Named Persons
Relationship to Insured/Lessee
3.Liability for Damage to
In return for the premium charged, we will provide coverage for the liability imposed by law or assumed by any written agreement for loss or damage to a
Insurance Coverage |
|
|
|
|
|
Loss or damage to |
Deductible |
|
|
Premium |
|
automobiles |
|
|
|
|
|
|
Specified Perils |
$ |
|
A deductible |
|
|
|
|
|
|
|
|
Comprehensive |
$ |
|
applies for |
|
|
|
each claim |
|
||
|
|
|
|
|
|
|
Collision or Upset |
$ |
|
except as |
|
|
|
stated in your |
|
||
|
|
|
|
|
|
|
All Perils |
$ |
|
policy. |
|
|
|
|
|
||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total Premium |
$ |
|
|
|
|
|
|
OPCF 27 (01/2007) Page 1 of 2
3.2Limitations on This Coverage
3.2.1The coverage applies only to an automobile of 4500 kilograms or less (gross vehicle weight), or of the .........type.
3.2.2We will not cover loss or damage to any automobile which is:
owned or licensed in the name of any person insured by this change or by any person living in the same dwelling as these persons, or
owned or leased by the employer of these persons.
3.2.3Where applicable, sections 3.3.1, 3.3.2 and 3.3.3 of your policy will apply to this change.
3.2.4We will not pay more than $........... under this change for any one occurrence plus the costs provided for in 3.2.3 above.
3.2.5The automobile must be used with the owner's or lessee's consent.
4.Providing Other Coverage When Insured Persons Drive, Rent or Lease Other Automobiles
4.1What We Will Cover
In return for the premium charged, we will provide the Liability, Accident Benefits, Uninsured Automobile and Direct
4.2Definition of Other Automobile
For the purposes of Section 3, "Liability Coverage," Section 4, "Accidents Benefits Coverage," Section 5, "Uninsured Automobile Coverage, and Section 6, "Direct Compensation - Property Damage," of your policy, other automobile also means:
Any automobile of 4500 kilograms gross vehicle weight or less, other than the described automobile, while driven by an insured person referred to in 2, when the other automobile:
is not being driven by an insured person in connection with the business of selling, repairing, maintaining, storing, servicing or parking automobiles;
is not owned or frequently used by an insured person or anyone living in the same dwelling as the insured person;
is not owned, hired or leased by an insured person's employer or by an employer of anyone living in the same dwelling as the insured person, and
is not being used to carry paying passengers or to make commercial deliveries at the time of the loss.
For Direct Compensation - Property Damage Coverage the other automobile cannot be a described automobile in a motor vehicle liability policy.
4.3Limitations on This Coverage
This coverage does not apply to anyone who owns an insured automobile or leases an automobile covered by OPCF 5, "Permission to Rent or Lease Automobile (s) and Extending Coverage to the Specified Lessee(s)," or a similar endorsement.
All other terms and conditions of your policy remain the same.
OPCF 27 (01/2007) Page 2 of 2