An Ottawa court case decided in January that the Family Protection Endorsement (OPCF-44R) did apply to cover a young man (not named in the policy) who received serious injuries in an accident caused by an uninsured driver. Despite the fact the young man had a pattern of living at more than one location, the court found the coverage was available to him since one of the ‘residences’ belonged to his mother, who was the named insured under the policy.
Every driver on the road should have this coverage because if you are involved in an accident with an uninsured or underinsured driver, it will provide between one to two million dollars of additional insurance coverage in the event you are injured in the accident. If you are not sure whether you have this coverage you should contact your insurance agent right away.
