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hi my name is ray petty iamp;#39;m an independent insurance broker here at cornerstone insurance brokers today iamp;#39;d like to talk to you about two endorsements that are very popular and are on almost all automobile insurance policies where full coverage has been purchased there are opcf 20 and 27. opcf 20 the coverage for transportation replacement loss of use this change form pays for a rental of a substitute vehicle while your vehicle is out of use due to a covered peril under section 7 loss or damage of the policy coverage is only provided for the perils insured for example collision what if your vehicle is stolen theft loss of use coverage commences at 1201 am the day following the report of the theft to the insurer or the police all other insured perils are covered from the date of loss now opcf 27 liability for damage to non-owned automobiles and other coverages when insured persons drive rent or lease other automobiles this coverage transfers the coverage from your insure
