OPCF 20
Transportation Replacement can cover qualifying rental/temporary transportation costs after an insured loss.
OPCF 27
Liability for Damage to Non-Owned Automobile(s) can extend specified coverage to rented or borrowed vehicles, subject to terms and deductible.
OPCF 43
Removing Depreciation Deduction can change how depreciation is treated on qualifying newer-vehicle losses.
OPCF 44R
Family Protection can provide additional protection when an at-fault motorist has insufficient or no insurance.
Always match the endorsement to the certificate
The endorsement number and wording on the actual policy determine what was purchased.
Ontario-specific educational summary. Your actual rights and coverage come from the Insurance Act, regulations, the current Ontario Automobile Policy (OAP 1), your certificate, endorsements and the facts of the claim. Do not change coverage based only on a general web article.