Which of the following vehicles is least likely to require OPCF 43?

The OPCF 43 is an endorsement that provides coverage for “Limited Use” vehicles, typically applied when the vehicle is not being used for regular daily activities, such as commuting to work or running errands. Criteria for requiring this endorsement can vary based on how the vehicle is utilized.

The choice of a high-mileage older vehicle being the least likely to require OPCF 43 makes sense because such vehicles are often driven more regularly and not used in a limited capacity. While other options, such as a vintage classic car, might have specific use limitations or might not be used as frequently, a high-mileage older vehicle is generally perceived as a primary mode of transportation. Consequently, it doesn't fit the typical criteria for the need for Limited Use coverage present in the OPCF 43 endorsement.

In contrast, the other vehicles listed, such as a recently purchased sports car or a vintage classic car, may either be used infrequently or be driven primarily for leisure or collector purposes, which could justify the use of OPCF 43. An electric vehicle, depending on its usage, may also have similar considerations. Thus, among the choices given, the high-mileage older vehicle is less likely to require the OPCF 43 endorsement due to the assumption that it