If you have the OPCF 27 – also known as the Legal Liability for Damage to Non-Owned Automobiles clause – you are covered when driving vehicles that you don’t own, including rental cars. In this case, if you cause an accident while driving the rental car, your liability insurance would pay up to your policy limits for the damages done to other cars or property. If you aren’t sure whether you have OPCF 27, speak with your CAA Insurance Agent or Broker before renting a vehicle.