By Michael Warfe and Ryan Marinacci ( December 21, 2020, 11:04 AM EST) -- Ontario Policy Change Forms (OPCF) 44R Family Protection Coverage is optional automobile insurance coverage which applies in collisions involving an “inadequately insured motorist.” This includes collisions in three scenarios: underinsured drivers whose total liability insurance is less than the amount of the OPCF 44R coverage, uninsured automobiles and unidentified automobiles. A person involved in a collision with an inadequately insured motorist may claim damages from their own insurer where they are covered by an OPCF 44R endorsement....