The scenario: You've been in an accident where the other driver is found to be at fault. Your policy covers you for up to $1,000,000; theirs covers them for $200,000. The case goes to court and you're awarded $500,000 — now what? The court will award you a judgment of $500,000, taken against the at fault driver who caused the accident. Even though the at fault driver who caused the accident only has $200,000 worth of liability insurance, your insurance company will pay the remaining balance of $300,000.So what Ontario Policy Change Form (OPCF) provides you with the ability to add extra insurance to your Ontario auto policy coverage for this situation?The form: OPCF 44, which is also known as the "Family Protection Endorsement" form, provides limited protection to you and your family members from injury caused by another driver who has less liability insurance than you do.The coverage pays for the difference between your liability limit and the one carried by the driver who was at fault for the accident. It also covers you if the at fault driver does not have any insurance coverage.Details of the OPCF 44 include:

• Covers you or a family member if you are injured in a car accident.
• The OPCF 44 is automatically applied to your auto policy.
• The OPCF 44 is inexpensive and ranges anywhere from $5 to $40 per policy term.