ch.12 endorsements Flashcards
OPCF 2
providing coverage when named persons drive other Automobiles
- used to prevent shortfall in coverage
- limited to named insured and spouse
- if have kids: Add OPCF27
OPCF 4A
Permission to carry SPECIFIED explosives
OPCF 4B
Permission to carry SPECIFIED
Radioactive material
OPCF 5
Permission to rent/lease auto and extending coveage to specified Lessee’s
- provides coverage to lessee as if lessee was named insured and to anyone who uses car with lessess consent
OPCF6A
Permission to carry paying passengers
OPCF 9
Marine use Excluded
- excludes loss/damage occuring while auto in/on water OR during launching/landing process
- ALWAYS ADDED on ATV + Argo vehicle
- may add to snow machine in case it falls in water
OPCF 16 *important*
Suspension of coverage
- suspends certain coverages for specific period of time if vehicle will not be driven during winter
- just suspends the USE
- if vehicle not driven during winter months
- also see OPCF 17 for when back on road
OPCF 17
Reinstatement of coverage
- putting car back on the road after OPCF16 (suspension of coverage)
OPCF 19A
Agreen value of automobiles
- for classic cars
- agree on value ahead of time
OPCF 20
Coverage for transportation replacement
- at fault losses for rental
- ??? add more details later
OPCF 23A
Lienholder Protection
- protection for lienholders interest in the insured vehicle
- if there is a loss and cheque is distributed, cheque made jointly to insured and lienholder
OPCF 27
Liabiality for damage to NON-OWNED auto and providing other coverages when insured persons drive other auto’s
- standard to add to policy
OPCF 28A
Excluded driver
- if someone in the home has a bad driving record
- specific individuals excluded from coverage under the policy (other than A+B Cov.)
*
OPCF 32
Use of recreational vehicles by unlicensed operators
- add to snowmobiles (see pg.1 of pkg + pg.4 1.4.5)
- waives compliance w/ statutory condition 4.1 (authority to drive)
- allows someone under 16 to be insured while operating such vehicle OFF public highway
OPCF 38
Agreed limit for automobile electronic accessories and equipment
- for equipment added to car (customizations/ modifications)
- max $1500, unless add this?