Ontario Automobile Supplement (OAS) Practice Test

OPCF 27 is an endorsement that provides liability coverage in specific scenarios, particularly related to the use of rented vehicles. When you rent a vehicle, standard automobile insurance policies may not always extend coverage for liability and damages incurred while operating that vehicle. OPCF 27 essentially fills that gap, ensuring that if an accident occurs while driving a rented vehicle, the insured will have liability coverage. This is crucial for protecting against financial responsibility resulting from bodily injury or property damage to third parties while using a rental vehicle.

In contrast, the other options relate to different coverage needs: driving a newly purchased car typically falls under standard auto insurance coverage, using a family member's vehicle may be covered by the owner’s insurance policy, and transporting goods for sale often requires specific commercial coverage, not standard personal auto liability. These scenarios are distinct and do not fall under the provisions of OPCF 27.