What Does Family Protection Auto Insurance Cover?

Family protection auto insurance is designed to protect an insured person when an at-fault motorist does not have enough liability insurance to satisfy the insured person’s compensatory bodily-injury claim. Depending on the provincial form, the protection can also address uninsured and unidentified motorists. There is no single national endorsement with one form number. Alberta uses AB-S.E.F. No. 44. Ontario uses OPCF 44R. Other provinces and public automobile systems structure underinsured-motorist protection differently. Alberta’s current standard Family Protection Endorsement is AB-S.E.F. No. 44, effective March 1, 2023.