OPCF 43 Car insurance adjuster expert please help!
I have OPCF 43 on my current car insurance policy that was renewed last July. My car was bought new 26 months ago and on the renewal date of the current policy it is less than 24 months and I have OPCF 43 on it which mean that if the car is total loss, insurance will not apply depreciation on the car.
The exact condition is below:
The loss or damage must occur before the expiry date of the policy that is in force 24 months from when your automobile was delivered to you.
My question is, my car was delivered 26 months from time of accident but then the current policy starting from July when it was less than 24 months and only expired next July. So it fits the condition that the accident occured before the expiry date of the policy that is in force 24 months from when the automobile was delivered to me even though it is more than 24 months old because the expiry date of current policy is next July!
Can someone confirm if OPCF43 still applies in my case?
The exact condition is below:
The loss or damage must occur before the expiry date of the policy that is in force 24 months from when your automobile was delivered to you.
My question is, my car was delivered 26 months from time of accident but then the current policy starting from July when it was less than 24 months and only expired next July. So it fits the condition that the accident occured before the expiry date of the policy that is in force 24 months from when the automobile was delivered to me even though it is more than 24 months old because the expiry date of current policy is next July!
Can someone confirm if OPCF43 still applies in my case?