What is the function of OPCF 35?

The OPCF 35, also known as the "Permitted Use of Privately-Owned Vehicles" endorsement, serves a specific purpose that relates to coverage for emergency road service. This endorsement expands the primary automobile insurance policy to provide additional benefits, particularly in situations where a vehicle might be in distress or requiring assistance while on the road. It enables the driver to access necessary services such as towing, fuel delivery, and other support to mitigate emergencies, ensuring that they can continue their travel with minimal disruption.

The focus on emergency road service is crucial for drivers who may face unexpected vehicle problems. By providing coverage for these circumstances, the OPCF 35 endorsement enhances roadside safety and convenience, thereby aiding in risk management for vehicle owners.

The other options do not accurately reflect the primary purpose of OPCF 35. Emergency medical coverage is typically addressed under separate health or medical insurance provisions, while insurance for new equipment purchases and liability for third-party claims may be covered under different endorsements or policies altogether.