What does OPCF 48 provide?

OPCF 48, also known as the Ontario Policy Change Form 48, offers coverage specifically designed to offset tort deductibles in the event of an accident. This means that if an insured individual is involved in a collision and is found to be at fault, this coverage can help reduce the amount they must pay out-of-pocket for their deductible. It is important in the context of personal injury claims, as it eases the financial burden associated with the deductible that policyholders would otherwise be responsible for after an accident.

In contrast, other options such as additional coverage for property theft or increased liability for damages do not accurately define the primary function of OPCF 48. While coverage for automobile modifications is also a distinct type of insurance related to personal vehicle enhancements, it does not fall under the provisions of OPCF 48. The specific focus of OPCF 48 on tort deductibles makes it a crucial addition for those particularly concerned about financial implications following an accident.