OHIO

AUTO POLICY

Form 9610D OH (11/05) version 1.0

CONTENTS INSURING AGREEMENT . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 GENERAL DEFINITIONS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 PART I - LIABILITY TO OTHERS . Insurng .Agreement . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 . Addtonal .Defintons . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 . Addtonal .Payments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 . Exclusons . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 . Lmts .of .Lablty . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 . Fnancal .Responsblty .Laws . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6 . Other .Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6 . Out-of-State .Coverage . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6 PART II - MEDICAL PAYMENTS COVERAGE . Insurng .Agreement . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 . Addtonal .Defintons . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 . Exclusons . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 . Lmts .of .Lablty . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .8 . Unreasonable .or .Unnecessary .Medcal .Expenses . . . . . . . . . . . . . . . . . . . .9 . Other .Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9 PART III - UNINSURED/UNDERINSURED MOTORIST COVERAGE . Insurng .Agreement .- .Unnsured/Undernsured .Motorst .Bodly . . . .Injury .Coverage . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .10 . Insurng .Agreement .- .Unnsured .Motorst .Property .Damage .Coverage . . .10 . Addtonal .Defintons . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11 . Exclusons . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .12 . Lmts .of .Lablty . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .13 . Other .Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .15 PART IV - DAMAGE TO A VEHICLE . Insurng .Agreement .- .Collson .Coverage . . . . . . . . . . . . . . . . . . . . . . . . . .15 . Insurng .Agreement .- .Comprehensve .Coverage . . . . . . . . . . . . . . . . . . . .16 . Insurng .Agreement .- .Addtonal .Custom .Parts .or . . . .Equpment .Coverage . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .16 . Insurng .Agreement .- .Rental .Rembursement .Coverage . . . . . . . . . . . . . .17 . Insurng .Agreement .- .Loan/Lease .Payoff .Coverage . . . . . . . . . . . . . . . . . .17 . Addtonal .Defintons . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .18 . Exclusons . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .18 . Lmts .of .Lablty . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .20 . Payment .of .Loss . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .21 . No .Benefit .to .Balee . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .22


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Lenholder .Agreement . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .22 Other .Sources .of .Recovery . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .22 Apprasal . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .22

PART V - ROADSIDE ASSISTANCE COVERAGE . Insurng .Agreement . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .23 . Addtonal .Defintons . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .23 . Exclusons . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .23 . Unauthorzed .Servce .Provder . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .24 . Other .Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .24 PART VI - DUTIES IN CASE OF AN ACCIDENT OR LOSS . . . . . . . . . . . . . .24 PART VII - GENERAL PROVISIONS . Polcy .Perod .and .Terrtory . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .25 . Changes . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .25 . Duty .to .Report .Changes . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .26 . Settlement .of .Clams . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .26 . Terms .of .Polcy .Conformed .to .Statutes . . . . . . . . . . . . . . . . . . . . . . . . . . . .26 . Transfer . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .27 . Fraud .or .Msrepresentaton . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .27 . Payment .of .Premum .and .Fees . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .27 . Cancellaton . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .28 . Cancellaton .Refund . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .29 . Nonrenewal . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .29 . . Automatc .Termnaton . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .29 . . Legal .Acton .Aganst .Us . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .29 . Our .Rghts .to .Recover .Payment . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .30 . Jont .and .Indvdual .Interests . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .30 . Bankruptcy . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .31



OHIO AUTO POLICY INSURING AGREEMENT In . return . for . your payment . of . the . premum, . we . agree . to . nsure . you . subject . to . all .the .terms, .condtons, .and .lmtatons .of .ths .polcy . .We .wll .nsure .you for .the . coverages .and .the .lmts .of .lablty .shown .on .ths .polcys .declarations page . .Your polcy .conssts .of .the .polcy .contract, .your nsurance .applcaton, .the .declarations page, .and .all .endorsements .to .ths .polcy . GENERAL DEFINITIONS The .followng .defintons .apply .throughout .the .polcy . .Defined .terms .are .prnted .n . boldface .type .and .have .the .same .meanng .whether .n .the .sngular, .plural, .or .any . other .form . 1 . . . Additional auto .means .an .auto you .become .the .owner .of .durng .the .polcy . perod .that .does .not .permanently .replace .an .auto .shown .on .the .declarations page f: . a . . . we .nsure .all .other .autos you .own; b . . . the .additional auto .s .not .covered .by .any .other .nsurance .polcy; . c . . . you . notfy . us . wthn . 30 . days . of . becomng . the . owner . of . the . additional auto; .and d . . . you .pay .any .addtonal .premum .due . . An .additional auto .wll .have .the .broadest .coverage .we .provde .for .any .auto . . shown .on .the .declarations page . .If .you .ask .us to .nsure .an .additional auto . more .than .30 .days .after you become .the .owner, .any .coverage .we .provde .wll . begn .at .the .tme .you .request .coverage . . 2 . . . Auto .means .a .land .motor .vehcle: . a . . . of .the .prvate .passenger, .pckup .body, .or .cargo .van .type; . b . . . desgned .for .operaton .prncpally .upon .publc .roads; . c . . . wth .at .least .four .wheels; .and . d . . . wth .a .gross .vehcle .weght .ratng .of .12,000 .pounds .or .less, .accordng .to . the .manufacturers .specficatons . . However, .auto .does .not .nclude .step-vans, .parcel .delvery .vans, .or .cargo . . cutaway .vans .or .other .vans .wth .cabs .separate .from .the .cargo .area . 3 . . . Auto business .means .the .busness .of .sellng, .leasng, .reparng, .parkng, . storng, .servcng, .delverng, .or .testng .vehcles . 4 . . . Bodily injury .means .bodly .harm, .sckness, .or .dsease, .ncludng .death .that . results .from .bodly .harm, .sckness, .or .dsease . 5 . . . Covered auto .means: . a . . . any .auto or .trailer shown .on .the .declarations page for .the .coverages . applcable .to .that .auto or .trailer; . b . . . any .additional auto; . c . . . any .replacement auto; .or . d . . . a .trailer owned .by .you . 6 . . . Declarations page .means .the .document .showng .your .coverages, .lmts .of .
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lablty, .covered autos, .premum, .and .other .polcy-related .nformaton . .The . declarations page .may .also .be .referred .to .as .the .Auto .Insurance .Coverage . Summary . 7 . . . Occupying .means .n, .on, .enterng, .or .extng . 8 . . . Relative .means .a .person .resdng .n .the .same .household .as .you, .and .related .to .you by .blood, .marrage, .or .adopton, .and .ncludes .a .ward, .stepchld, . or . foster . chld . . Your unmarred . dependent . chldren . temporarly . away . from . home . wll . qualfy . as . a . relative . f . they . ntend . to . contnue . to . resde . n . your household . 9 . . . Replacement auto .means .an .auto .that .permanently .replaces .an .auto .shown . on .the .declarations page . .A .replacement auto .wll .have .the .same .coverage . as .the .auto .t .replaces .f .the .replacement auto .s .not .covered .by .any .other . nsurance . polcy . . However, . f . the . auto . beng . replaced . had . coverage . under . Part .IV .- .Damage .To .A .Vehcle, .such .coverage .wll .apply .to .the .replacement auto .only .durng .the .first .30 .days .after you .become .the .owner .unless .you . notfy . us . wthn . that . 30-day . perod . that . you . want . us . to . extend . coverage . beyond .the .ntal .30 .days . .If .the .auto .beng .replaced .dd .not .have .coverage . under .Part .IV .- .Damage .To .A .Vehcle, .such .coverage .may .be .added, .but .the . replacement auto .wll .have .no .coverage .under .Part .IV .untl .you .notfy .us .of . the .replacement auto .and .ask .us .to .add .the .coverage . 10 . . . Trailer .means .a .non-motorzed .traler, .ncludng .a .farm .wagon .or .farm .mplement, . desgned . to . be . towed . on . publc . roads . by . an . auto . and . not . beng . used: . a . . . for .commercal .purposes; . b . . . as .an .office, .store, .or .for .dsplay .purposes; .or . . c . . . as .a .passenger .conveyance . 11 . . . We, .us, .and .our .mean .the .underwrtng .company .provdng .the .nsurance, . as .shown .on .the .declarations page . 12 . . . You .and .your .mean: . a . . . a .person .shown .as .a .named .nsured .on .the .declarations page; .and . b . . . the .spouse .of .a .named .nsured .f .resdng .n .the .same .household . . PART I - LIABILITY TO OTHERS INSURING AGREEMENT If .you .pay .the .premum .for .ths .coverage, .we .wll .pay .damages .for .bodily injury and .property damage for .whch .an .insured person .becomes .legally .responsble . because .of .an .accdent . Damages .nclude .prejudgment .nterest .awarded .aganst .an .insured person . We .wll .settle .or .defend, .at .our .opton, .any .clam .for .damages .covered .by .ths .Part .I . .

ADDITIONAL DEFINITIONS When .used .n .ths .Part .I: 1 . . . Insured person .means: . a . . . you .or .a .relative wth .respect .to .an .accdent .arsng .out .of .the .ownershp, . mantenance, .or .use .of .an .auto or .trailer; . b . . . any .person .wth .respect .to .an .accdent .arsng .out .of .that .persons .use .of . a .covered auto wth .the .permsson .of you or .a relative; . . c . . . any .person .or .organzaton .wth .respect .only .to .vcarous .lablty .for .the . acts .or .omssons .of .a .person .descrbed .n .a .or .b .above; .and . d . . . Addtonal .Interest .shown .on .the .declarations page .wth .respect .only . any . to . ts . lablty . for . the . acts . or . omssons . of . a . person . descrbed . n . a . or . b . above . 2 . . . Property damage .means .physcal .damage .to, .destructon .of, .or .loss .of .use . of, .tangble .property . ADDITIONAL PAYMENTS In .addton .to .our .lmt .of .lablty, .we .wll .pay .for .an .insured person: 1 . . . all .expenses .we .ncur .n .the .settlement .of .any .clam .or .defense .of .any .lawsut; 2 . . . nterest .accrung .after .entry .of .judgment, .untl .we .have .pad, .offered .to .pay, . or .deposted .n .court, .that .porton .of .the .judgment .whch .does .not .exceed .our . lmt .of .lablty . .Ths .does .not .apply .f .we .have .not .been .gven .notce .of .sut .or . the .opportunty .to .defend .an .insured person; . 3 . . . the .premum .on .any .appeal .bond .or .attachment .bond .requred .n .any .lawsut . we .defend . .We .have .no .duty .to .purchase .a .bond .n .an .amount .exceedng .our . lmt .of .lablty, .and .we .have .no .duty .to .apply .for .or .furnsh .these .bonds; 4 . . . up .to .$250 .for .a .bal .bond .requred .because .of .an .accdent .resultng .n .bodily injury or .property damage .covered .under .ths .Part .I . .We .have .no .duty .to . apply .for .or .furnsh .ths .bond; .and . 5 . . . reasonable .expenses, .ncludng .loss .of .earnngs .up .to .$200 .per .day, .ncurred . at .our .request . EXCLUSIONS - READ THE FOLLOWING EXCLUSIONS CAREFULLY. IF AN EXCLUSION APPLIES, COVERAGE WILL NOT BE AFFORDED UNDER THIS PART I. Coverage . under . ths . Part . I, . ncludng . our duty . to . defend, . wll . not . apply . to . any . insured person for: 1 . . . bodily injury .or .property damage .arsng .out .of .the .ownershp, .mantenance, . or .use .of .any .vehcle .or .traler .whle .beng .used .to .carry .persons .or .property . for .compensaton .or .a .fee, .ncludng, .but .not .lmted .to, .pckup .or .delvery .of . magaznes, .newspapers, .food, .or .any .other .products . .Ths .excluson .does .not . apply .to .shared-expense .car .pools; . 2 . . . any .lablty .assumed .under .any .contract .or .agreement .by .you or .a .relative; . 3 . . . bodily injury .to .an .employee .of .that .insured person .arsng .out .of .or .wth3

n .the .course .of .employment . .Ths .excluson .does .not .apply .to .domestc .employees .f .benefits .are .nether .pad .nor .requred .to .be .provded .under .workers . compensaton, .dsablty .benefits, .or .smlar .laws; . 4 . . . bodily injury .or .property damage .arsng .out .of .an .accdent .nvolvng .any . vehcle .whle .beng .mantaned .or .used .by .a .person .whle .employed .or .engaged . n .any .auto business . .Ths .excluson .does .not .apply .to .you, .a .relative, .or .an . agent .or .employee .of .you .or .a .relative, .when .usng .a .covered auto; 5 . . . bodily injury or .property damage .resultng .from, .or .sustaned .durng .practce . or .preparaton .for: . . a . . . any .pre-arranged .or .organzed .racng, .stuntng, .speed, .or .demolton .contest .or .actvty; .or . b . . . any .drvng .actvty .conducted .on .a .permanent .or .temporary .racetrack .or . racecourse; 6 . . . bodily injury or .property damage .due .to .a .nuclear .reacton .or .radaton; . 7 . . . bodily injury or .property damage .for .whch .nsurance: . . a . . . s .afforded .under .a .nuclear .energy .lablty .nsurance .contract; .or . b . . . would .be .afforded .under .a .nuclear .energy .lablty .nsurance .contract .but . for .ts .termnaton .upon .exhauston .of .ts .lmt .of .lablty; 8 . . . any .oblgaton .for .whch .the .Unted .States .Government .s .lable .under .the .Federal .Tort .Clams .Act; . 9 . . . bodily injury .or .property damage .caused .by .an .ntentonal .act .of .that .insured person, .or .at .the .drecton .of .that .insured person, .even .f .the .actual .njury .or . damage .s .dfferent .than .that .whch .was .ntended .or .expected; 10 . . . property damage .to .any .property .owned .by, .rented .to, .beng .transported .by, . used . by, . or . n . the . charge . of . that . insured person . .Ths . excluson . does . not . apply .to .a .rented .resdence .or .a .rented .garage; 11 . . . bodily injury .to .you .or .a .relative; . 12 . . . bodily injury or .property damage .arsng .out .of .the ownershp, .mantenance, . or .use .of .any .vehcle .owned .by .you or .furnshed .or .avalable .for .your regular . use, . other . than . a . covered auto for . whch . ths . coverage . has . been . purchased; . 13 . . . bodily injury or .property damage .arsng .out .of .the .ownershp, .mantenance, . or . use . of . any . vehcle . owned . by . a . relative . or . furnshed . or . avalable . for . the . regular .use .of .a .relative, .other .than .a .covered auto for .whch .ths .coverage . has .been .purchased . .Ths .excluson .does .not .apply .to .your mantenance .or . use .of .such .vehcle; . 14 . . . bodily injury .or .property damage .arsng .out .of .your or .a .relatives use .of .a . vehcle, .other .than .a .covered auto, .wthout .the .permsson .of .the .owner .of .the . vehcle .or .the .person .n .lawful .possesson .of .the .vehcle; 15 . . . bodily injury .or .property damage .arsng .out .of .the .use .of .a .covered auto . whle .leased .or .rented .to .others .or .gven .n .exchange .for .any .compensaton . . Ths .excluson .does .not .apply .to .the .operaton .of .a .covered auto by .you .or .a . relative; 16 . . . puntve .or .exemplary .damages; .or 17 . . . bodily injury .or .property damage .caused .by, .or .reasonably .expected .to .result .from, .a .crmnal .act .or .omsson .of .that .insured person . .Ths .excluson .
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apples .regardless .of .whether .that .insured person .s .actually .charged .wth, . or .convcted .of, .a .crme . LIMITS OF LIABILITY The .lmt .of .lablty .shown .on .the .declarations page .for .lablty .coverage .s .the . most .we .wll .pay .regardless .of .the .number .of: . 1 . . . clams .made; 2 . . . covered autos; 3 . . . insured persons; 4 . . . lawsuts .brought; 5 . . . vehcles .nvolved .n .the .accdent; .or . 6 . . . premums .pad . If .your .declarations page .shows .a .splt .lmt: 1 . . . the .amount .shown .for .each .person .s .the .most .we .wll .pay .for .all .damages . due .to .bodily injury .to .one .person .resultng .from .any .one .accdent; 2 . . . subject .to .the .each .person .lmt, .the .amount .shown .for .each .accdent .s . the .most .we .wll .pay .for .all .damages .due .to .bodily injury .sustaned .by .two .or . more .persons .n .any .one .accdent; .and 3 . . . the .amount .shown .for .property .damage .s .the .most .we .wll .pay .for .the .total . of .all .property damage .resultng .from .any .one .accdent . . The .each .person .lmt .of .lablty .apples .to .the .total .of .all .clams .made .for .bodily injury . to . a . person . and . all . clams . of . others . derved . from . such . bodily injury, . ncludng, .but .not .lmted .to, .emotonal .njury .or .mental .angush .resultng .from .the . bodily injury .of .another .or .from .wtnessng .the .bodily injury .to .another, .loss .of . socety, .loss .of .companonshp, .loss .of .servces, .loss .of .consortum, .and .wrongful . death . If .the .declarations page .shows .that .combned .sngle .lmt .or .CSL .apples, .the . amount .shown .s .the .most .we .wll .pay .for .the .total .of .all .damages .resultng .from . any .one .accdent . .However, .wthout .changng .ths .lmt .of .lablty, .we wll .comply . wth .any .law .that .requres .us to .provde .any .separate .lmts . No .one .s .enttled .to .duplcate .payments .for .the .same .elements .of .damages . Any .payment .to .a .person .under .ths .Part .I .wll .be .reduced .by .any .payment .to .that . person .under .Part .III .- .Unnsured/Undernsured .Motorst .Coverage . If .multple .auto .polces .ssued .by .us are .n .effect .for .you, .we wll .pay .no .more .than . the .hghest .lmt .of .lablty .for .ths .coverage .avalable .under .any .one .polcy . An . auto and . attached . trailer . are . consdered . one . auto . .Therefore, . the . lmts . of . lablty .wll .not .be .ncreased .for .an .accdent .nvolvng .an .auto that .has .an .attached . trailer .
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FINANCIAL RESPONSIBILITY LAWS When .we .certfy .ths .polcy .as .proof .of .financal .responsblty, .ths .polcy .wll .comply . wth .the .law .to .the .extent .requred . .The .insured person must .remburse .us f .we . make .a .payment .that .we .would .not .have .made .f .ths .polcy .was .not .certfied .as . proof .of .financal .responsblty . OTHER INSURANCE If . there . s . any . other . applcable . lablty . nsurance . or . bond, .we . wll . pay . only . our . share .of .the .damages . .Our .share .s .the .proporton .that our lmt .of .lablty .bears .to . the .total .of .all .applcable .lmts . .However, .any .nsurance .we .provde .for .a .vehcle . or . traler, . other . than . a . covered auto, wll . be . excess . over . any . other . collectble . nsurance, .self-nsurance, .or .bond . .Any .nsurance .we .provde .for .use .of .a .covered auto .by .any .person .other .than .you wll .be .excess .over .any .other .collectble .nsurance, .self-nsurance, .or .bond . OUT-OF-STATE COVERAGE 1 . . . an .accdent .to .whch .ths .Part .I .apples .occurs .n .any .state, .terrtory, .or .possesIf . son .of .the .Unted .States .of .Amerca .or .any .provnce .or .terrtory .of .Canada, . other .than .the .one .n .whch .a .covered auto s .prncpally .garaged, .and .the . state, .provnce, .terrtory, .or .possesson .has: . a . . . a .financal .responsblty .or .smlar .law .requrng .lmts .of .lablty .for .bodily injury .or .property damage .hgher .than .the .lmts .shown .on .the .declarations page, .ths .polcy .wll .provde .the .hgher .lmts; .or . b . . . compulsory .nsurance .or .smlar .law .requrng .a .non-resdent .to .mantan . a . nsurance .whenever .the .non-resdent .uses .an .auto .n .that .state, .provnce, . terrtory, .or .possesson, .ths .polcy .wll .provde .the .greater .of: . . () . the .requred .mnmum .amounts .and .types .of .coverage; .or . . . () . the .lmts .of .lablty .under .ths .polcy . 2 . . . you . pay . the . premum . for . lablty . coverage . and . you . or . a . relative . are . nIf . volved .n .a .motor .vehcle .accdent .n .the .State .of .Mchgan .whle .occupying .a . covered auto, .we .wll .provde .you .and .any .relative .wth .Mchgan .Personal . Protecton .Insurance .(PIP) .benefits .smlar .to .those .benefits .afforded .by .the . Mchgan .No-Fault .Law, .Chapter .31 .of .the .Mchgan .Insurance .Code, .MCLA . 500 .3107 .and .3108, .subject .to .the .followng .lmtatons: . a . . . any .PIP .benefits .payable .to .you .or .a .relative .are .subject .to .all .setoffs, . terms, .and .lmtatons .of .the .Mchgan .No-Fault .Law; . b . . . amount .of .PIP .benefits .payable .wll .be .reduced .to .the .extent .that .benethe . fits .coverng .the .same .loss .are .avalable .from .other .sources, .regardless . of .the .nature .or .number .of .benefit .sources .avalable .and .regardless .of .the . nature .or .form .of .the .benefits; .and . c . . . the .most .that .s .payable .for .all .PIP .benefits .s .$100,000 .for .njures .to .one . person .n .any .one .accdent, .subject .to .a .lmt .of .$250,000 .for .njures .to . two .or .more .persons .n .any .one .accdent .
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PART II - MEDICAL PAYMENTS COVERAGE INSURING AGREEMENT If .you .pay .the .premum .for .ths .coverage, .we .wll .pay .the .reasonable .expenses . ncurred . for . necessary medical services . receved . wthn . three . years . from . the . date .of .a .motor vehicle .accdent .because .of .bodily injury: 1 . . . sustaned .by .an .insured person; .and 2 . . . caused .by .that .motor vehicle .accdent . We, .or .someone .on .our .behalf, .wll .determne: 1 . . . whether .the .expenses .for .medical services .are .reasonable; .and 2 . . . whether .the .medical services .are .necessary . ADDITIONAL DEFINITIONS When .used .n .ths .Part .II: 1 . . . Insured person .means: . a . . . you .or .a .relative: () . whle .occupying an .auto; .or . . () . . when .struck .by .a .motor vehicle .or .a .traler .whle .not .occupying a . self-propelled .motorzed .vehcle; .and . b . . . any .other .person .whle .occupying .a .covered auto wth .the .permsson .of you or .a relative . 2 . . . Medical services .means .medcal, .surgcal, .dental, .x-ray, .ambulance, .hosptal, . professonal .nursng, .and .funeral .servces, .and .ncludes .the .cost .of .eyeglasses, . hearng .ads, .pharmaceutcals, .orthopedcs .and .prosthetc .devces . 3 . . . Motor vehicle .means .a .land .motor .vehcle .desgned .for .use .prncpally .on . publc .roads . EXCLUSIONS - READ THE FOLLOWING EXCLUSIONS CAREFULLY. IF AN EXCLUSION APPLIES, COVERAGE WILL NOT BE AFFORDED UNDER THIS PART II. Coverage .under .ths .Part .II .wll .not .apply .to .bodily injury: 1 . . . sustaned .by .any .person .whle .occupying a .covered auto whle .t .s .beng . used .to .carry .persons .or .property .for .compensaton .or .a .fee, .ncludng, .but .not . lmted .to, .pckup .or .delvery .of .magaznes, .newspapers, .food, .or .any .other . products . .Ths .excluson .does .not .apply .to .shared-expense .car .pools; 2 . . . arsng .out .of .an .accdent .nvolvng .a .vehcle .whle .beng .mantaned .or .used . by .a .person .whle .employed .or .engaged .n .any .auto business . .Ths .excluson . does .not .apply .to .you, .a .relative, .or .an .agent .or .employee .of .you .or .a .relative, . when .usng .a .covered auto; 3 . . . to .any .person .resultng .from, .or .sustaned .durng .practce .or .preparaton .for: . . a . . . any .pre-arranged .or .organzed .racng, .stuntng, .speed, .or .demolton .contest .or .actvty; .or
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b . . . any .drvng .actvty .conducted .on .a .permanent .or .temporary .racetrack .or . racecourse; 4 . . . due .to .a .nuclear .reacton .or .radaton; 5 . . . for .whch .nsurance: . . a . . . s .afforded .under .a .nuclear .energy .lablty .nsurance .contract; .or . b . . . would .be .afforded .under .a .nuclear .energy .lablty .nsurance .contract .but . for .ts .termnaton .upon .exhauston .of .ts .lmt .of .lablty; 6 . . . whch .the .Unted .States .Government .s .lable .under .the .Federal .Tort .Clams . for . Act; 7 . . . sustaned .by .any .person .whle .occupying .any .vehcle or .traler .whle .located . for .use .as .a .resdence .or .premses; 8 . . . f .workers .compensaton .benefits .are .avalable .for .the .bodily injury; . 9 . . . sustaned . by . any . person . whle . occupying . or . when . struck . by . any . vehcle . owned . by . you or . furnshed . or . avalable . for . your regular . use, . other . than . a . covered auto for .whch .ths .coverage .has .been .purchased; . 10 . . . sustaned . by . any . person . whle . occupying . or . when . struck . by . any . vehcle . owned .by .a .relative .or .furnshed .or .avalable .for .the .regular .use .of .a .relative, . other .than .a .covered auto for .whch .ths .coverage .has .been .purchased . .Ths . excluson .does .not .apply .to .you; . 11 . . . you or .a .relative whle .occupying any .vehcle, .other .than .a .covered auto, . to . wthout . the . permsson . of . the . owner . of . the . vehcle . or . the . person . n . lawful . possesson .of .the .vehcle; 12 . . . any . person . whle . occupying . a . covered auto . whle . leased . or . rented . to . to . others .or .gven .n .exchange .for .any .compensaton . .Ths .excluson .does .not . apply .to .the .operaton .of .a .covered auto .by .you .or .a .relative; 13 . . . caused .drectly .or .ndrectly .by: . a . . . war .(declared .or .undeclared) .or .cvl .war; . b . . . warlke .acton .by .any .mltary .force .of .any .government, .soveregn .or .other . authorty .usng .mltary .personnel .or .agents . .Ths .ncludes .any .acton .taken .to .hnder .or .defend .aganst .an .actual .or .expected .attack; .or . c . . . nsurrecton, .rebellon, .revoluton, .usurped .power, .or .any .acton .taken .by . a .governmental .authorty .to .hnder .or .defend .aganst .any .of .these .acts; 14 . . . caused .drectly .or .ndrectly .by: . a . . . accdental .or .ntentonal .dscharge, .dspersal, .or .release .of .radoactve, . any . nuclear, .pathogenc, .or .posonous .materal; .or . b . . . any .ntentonal .dscharge, .dspersal, .or .release .of .chemcal .or .hazardous . materal .for .any .purpose .other .than .ts .safe .and .useful .purpose; .or 15 . caused .by, .or .reasonably .expected .to .result .from, .a .crmnal .act .or .omsson .of . the .insured person . .Ths .excluson .apples .regardless .of .whether .the .insured person .s .actually .charged .wth, .or .convcted .of, .a .crme . LIMITS OF LIABILITY The .lmt .of .lablty .shown .on .the .declarations page .for .Medcal .Payments .Coverage .s .the .most .we .wll .pay .for .each .insured person .njured .n .any .one .acc8

dent, .regardless .of .the .number .of: 1 . . . clams .made; 2 . . . covered autos; . 3 . . . insured .persons; 4 . . . lawsuts .brought; 5 . . . vehcles .nvolved .n .the .accdent; .or 6 . . . premums .pad . No .one .wll .be .enttled .to .duplcate .payments .under .ths .polcy .for .the .same .elements .of .damages . Any .amount .payable .to .an .insured person .under .ths .Part .II .wll .be .reduced .by . any .amount .pad .or .payable .for .the .same .expense .under .Part .I .- .Lablty .To .Others . or .Part .III .- .Unnsured/Undernsured .Motorst .Coverage . If .multple .auto .polces .ssued .by .us are .n .effect .for .you, .we wll .pay .no .more .than . the .hghest .lmt .of .lablty .for .ths .coverage .avalable .under .any .one .polcy . UNREASONABLE OR UNNECESSARY MEDICAL EXPENSES If . the . insured person ncurs . expenses . for . medical services that . we . deem . to . be .unreasonable .or .unnecessary, .we may .refuse .to .pay .for .those .expenses .and . contest .them . If .the .medcal .servce .provder .sues .the .insured person .because .we refuse .to .pay . expenses .for .medical services that .we deem .to .be .unreasonable .or .unnecessary, . we wll .pay .resultng .defense .costs, .and .any .resultng .judgment .aganst .the .insured person, .subject .to .the .lmt .of .lablty .for .ths .coverage . .We wll .choose .the .counsel . . We wll .also .pay .reasonable .expenses, .ncludng .loss .of .earnngs .up .to .$200 .per . day, .ncurred .at .our request . . The .insured person .may .not .sue .us for .expenses .for .medical services we deem . to .be .unreasonable .or .unnecessary . unless . the . insured person .pad . the .entre . dsputed .amount .to .the .medcal .servce provder .or .the .medcal .servce provder . has .ntated .collecton .actvty .aganst .the .insured person for .the .unreasonable . or .unnecessary .expenses . OTHER INSURANCE If .there .s .other .applcable .auto .medcal .payments .nsurance, .we .wll .pay .only .our . share .of .the loss . .Our .share .s .the .proporton .that .our .lmt .of .lablty .bears .to .the . total .of .all .applcable .lmts . .However, .any .nsurance .we .provde .for .an .insured person occupying a .vehcle .or .traler, .other .than .a .covered auto, .wll .be .excess . over .any .other .auto nsurance .provdng .payments .for .medical services .

PART III - UNINSURED/UNDERINSURED MOTORIST COVERAGE INSURING AGREEMENT - UNINSURED/UNDERINSURED MOTORIST BODILY INJURY COVERAGE If .you .pay .the .premum .for .ths .coverage, .we wll .pay .for .damages .that .an .insured person .s .legally .enttled .to .recover .from .an .uninsured motorist .or .underinsured motorist .because .of .bodily injury: . 1 . . . sustaned .by .the .insured person; . 2 . . . caused .by .an .accdent; .and 3 . . . arsng .out .of .the .ownershp, .mantenance, .or .use .of .a .motor vehicle by .an . uninsured motorist .or .underinsured motorist . INSURING AGREEMENT - UNINSURED MOTORIST PROPERTY DAMAGE COVERAGE If .you .pay .the .premum .for .ths .coverage, .we .wll .pay .for .damages .that .an .insured . person .s .legally .enttled .to .recover .from .an .uninsured .motorist because .of .property .damage: 1 . . . caused .by .an .accdent; .and 2 . . . arsng .out .of .the .ownershp, .mantenance, .or .use .of .a motor vehicle by .an . uninsured motorist . We .wll .pay .under .ths .Part .III .only .after .the .lmts .of .lablty .under .all .applcable .lablty . bonds .and .polces .have .been .exhausted .by .payment .of .judgments .or .settlements . An .insured person .must .have .our wrtten .consent .before .enterng .nto .any .settlement . wth . an . uninsured . motorist or . underinsured . motorist, . or . that . persons . lablty .nsurer . .In .order .to .preserve .our .rght .of .subrogaton, .we .may .elect .to . pay .any .sum .offered .n .settlement .by, .or .on .behalf .of, .the .uninsured .motorist .or . underinsured .motorist . .If .we do .ths, .the .insured person .shall .assgn .to .us .all . rghts .that .insured person .has .aganst .the .uninsured .motorist or .underinsured . motorist . Any .judgment .or .settlement .for .damages .aganst .an .uninsured motorist .or underinsured motorist that .arses .out .of .a .lawsut .brought .wthout .our .wrtten .consent .s .not .bndng .on .us . Determnaton . as . to . whether . an . insured person . s . legally . enttled . to . recover . damages, .and .f .so, .the .amount .of .damages, .wll .be .made .by .agreement .between . the .insured person .and .us . Each .clam .or .sut .for .coverage .under .ths .Part .III .must .be .made .or .brought .wthn . three .years .after .the .date .of .the .accdent .that .caused .the .bodily injury or .property damage, .or .wthn .one .year .after .the .lablty .nsurer .for .the .owner .or .operator .of .a . motor vehicle lable .to .the .insured person has .become .the .subject .of .nsolvency .
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proceedngs .n .any .state, .whchever .s .later, .as .long .as .the .insured person has . not .prejudced .our .subrogaton .rghts . ADDITIONAL DEFINITIONS When .used .n .ths .Part .III: 1 . . . Insured person .means: . a . . . you .or .a .relative; b . . . any .person .whle .operatng .a covered auto wth .the .permsson .of .you .or . a .relative; .and . c . . . any .person .occupying, .but .not .operatng, .a covered auto . 2 . . . Motor vehicle .means .a .self-propelled .vehcle .desgned .for .use .and .prncpally . used .on .publc .roads, .ncludng .an .automoble, .truck, .sem-tractor, .motorcycle . and .bus . .Motor vehicle .also .ncludes .a .motor .home, .provded .the .motor .home . s .not .statonary .and .s .not .beng .used .as .a .temporary .or .permanent .resdence . or .office . .Motor vehicle .does .not .nclude .a .trolley, .streetcar, .traler, .ralroad . engne, . ralroad . car, . motorzed . bcycle, . golf . cart, . off-road . recreaton . vehcle, . snowmoble, .forklft, .arcraft, .watercraft, .constructon .equpment, .farm .tractor .or . other .motorzed .vehcle .desgned .and .prncpally .used .for .agrcultural .purposes, . moble .home, .vehcle .travelng .on .treads .or .rals, .or .any .smlar .vehcle . . 3 . . . Property damage .means .physcal .damage .to, .or .destructon .of, .a .covered auto . 4 . . . Underinsured motorist .means .the .owner .or .operator .of .a .motor vehicle . whose . ownershp, . operaton, . mantenance . or . use . of . that . motor vehicle . s . nsured .by .a .bodly .njury .lablty .bond .or .polcy .at .the .tme .of .the .accdent, .but . ts .lmts .of .lablty .for .bodly .njury: . . a . . . less .than .the .coverage .lmt .for .Unnsured/Undernsured .Motorst .Covare . erage .shown .on .the .declarations page; .or . . b . . . have .been .reduced .by .payments .for .bodily injury to .persons .njured .n .the . accdent, .other .than .an .insured person, .to .less .than .the .coverage .lmt .for . Unnsured/Undernsured .Motorst .Coverage .shown .on .the .declarations page . . An .underinsured motorist .does .not .nclude .an .owner .or .operator .of .a .mo . tor vehicle: . a . . . that .s .owned .by .you .or .a .relative .or .furnshed .or .avalable .for .the .regular . use .of .you .or .a .relative; . b . . . that .s .owned .by .any .governmental .unt .or .agency .unless .the .operator .of . the .motor vehicle has .mmunty .under .Chapter .2744 .of .the .Oho .Revsed . Code .(relatng .to .certan .poltcal .subdvsons .operatng .a .fire .department, . polce .department, .or .emergency .medcal .servce); . c . . . that .s .a .covered auto; .or . d . . . that .s .owned .or .operated .by .an .uninsured motorist . 5 . . . Uninsured motorist .means .the .owner .or .operator .of .a .motor vehicle: . . a . . . whose .ownershp, .operaton, .mantenance, .or .use .of .that .motor vehicle: . . () . . not .nsured .by .a .bodly .njury .lablty .bond .or .polcy .at .the .tme .of .the . s . accdent; .or .
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 . . . .

. . . . .

. .

() . . s .nsured .by .a .bodly .njury .lablty .bond .or .polcy .at .the .tme .of .the . accdent, .but .the .bondng .or .nsurng .company .denes .coverage .or .s . or .becomes .nsolvent: . b . . . who .cannot .be .dentfied .but: . () . . insured person, . or . someone . on . hs . or . her . behalf, . reports . the . the . accdent .to .the .polce .or .cvl .authorty .wthn .24 .hours .or .as .soon .as . practcable .after .the .accdent; .and . () . . ndependent .corroboratve .evdence .exsts .to .prove .that .the .bodily injury to .the .insured person was .proxmately .caused .by .the .neglgence . or .ntentonal .actons .of .the .undentfied .operator .of .the .motor vehicle . .The .testmony .of .an .insured person seekng .recovery .from .us shall . not . consttute . ndependent . corroboratve . evdence, . unless . the . testmony .s .supported .by .addtonal .evdence; .or . c . . . who .has .dplomatc .mmunty . An .uninsured motorist .does .not .nclude .an .owner .or .operator .of .a .motor . vehicle: a . . . that .s .owned .by .you .or .a .relative .or .furnshed .or .avalable .for .the .regular . use .of .you .or .a .relative; b . . . that .s .owned .or .operated .by .a .self-nsurer .under .any .applcable .motor . vehcle .law, .except .a .self-nsurer .that .s .or .becomes .nsolvent; c . . . that .s .owned .by .any .governmental .unt .or .agency .unless .the .operator .of . the .motor vehicle has .mmunty .under .Chapter .2744 .of .the .Oho .Revsed . Code .(relatng .to .certan .poltcal .subdvsons .operatng .a .fire .department, . polce .department, .or .emergency .medcal .servce); d . . . that .s .a .covered auto; .or e . . . that .s .owned .or .operated .by .an .underinsured motorist .

EXCLUSIONS - READ THE FOLLOWING EXCLUSIONS CAREFULLY. IF AN EXCLUSION APPLIES, COVERAGE WILL NOT BE AFFORDED UNDER THIS PART III. Coverage .under .ths .Part .III .wll .not .apply: 1 . . . to .bodily injury .sustaned .by .an .insured .person .whle .operatng .or .occupying: . a . . . a .covered auto .whle .beng .used .to .carry .persons .or .property .for .compensaton .or .a .fee, .ncludng, .but .not .lmted .to, .pckup .or .delvery .of .magaznes, .newspapers, .food, .or .any .other .products . .Ths .excluson .does .not . apply .to .shared-expense .car .pools; . . b . . . motorzed . vehcle . that . s . owned . by, . furnshed . to, . or . avalable . for . the . a . regular .use .of .you or .a .relative . .Ths .excluson .does .not .apply .to .a .covered auto; .or . . c . . . a .motorzed .vehcle .wthout .a .reasonable .belef .of .beng .enttled .to .do .so; 2 . . . to .bodily injury sustaned .by .an .insured .person .whle .operatng .a .motorzed . vehcle .f .that .persons .drvers .lcense .has .been .suspended, .revoked, .or .never . ssued, .unless .the .person .s .lsted .as .a .drver .on .your polcy; . 3 . . . bodily injury sustaned .by .an .insured .person .f .the .bodily injury s .caused . to . by .a .motor .vehcle .operated .by .any .person .who .s .specfically .excluded .for .
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4 . .

5 . . 6 . . 7 . .

bodly .njury .lablty .coverage .under .ths .polcy .as .an .excluded .drver .or .under . any .other .provson .of .ths .polcy; to . . bodily injury sustaned .by .an .insured .person .who .s .an .employee, .officer, . drector, .partner, .trustee, .member, .executor, .admnstrator, .or .beneficary, .of . you . or . a . relative, . f . that . person . sustans . bodily injury . whle . operatng . or . occupying .a .motorzed .vehcle .other .than .a .covered .auto; . to .bodily injury to .an .insured person when .the .person .actually .sufferng .the . . bodily injury s .not .an .insured person under .ths .Part .III; . to .any .puntve .or .exemplary .damages; .or . to .bodily injury .sustaned .by .an .insured .person .f .that .person .or .the .legal . . representatve .of .that .person .settles .wthout .our .wrtten .consent;

Coverage .under .ths .Part .III .s .not .provded .for .property damage: . 1 . . . sustaned .whle .a .covered auto s .beng .used .to .carry .persons .or .property . for .compensaton .or .a .fee, .ncludng, .but .not .lmted .to, .pckup .or .delvery .of . magaznes, .newspapers, .food .or .any .other .products . .Ths .excluson .does .not . apply .to .shared-expense .car .pools; 2 . . . resultng .from, .or .sustaned .durng .practce .or .preparaton .for: . . a . . . any .pre-arranged .or .organzed .racng, .stuntng, .speed, .or .demolton .contest .or .actvty; .or . b . . . any .drvng .actvty .conducted .on .a .permanent .or .temporary .racetrack .or . racecourse; 3 . . . to .a .covered auto for .whch .nsurance: . a . . . s .afforded .under .a .nuclear .energy .lablty .nsurance .contract; .or . b . . . would .be .afforded .under .a .nuclear .energy .lablty .nsurance .contract .but . for .ts .termnaton .upon .exhauston .of .ts .lmt .of .lablty; 4 . . . to .a .traler; . 5 . . . f .the .uninsured motorist .has .not .been .dentfied; .or 6 . . . unless .there .s .actual .physcal .contact .between .the .motor .vehcle .beng .operated .by .the .uninsured motorist .and .the .covered auto . . LIMITS OF LIABILITY The .lmt .of .lablty .shown .on .the .declarations page .for .Unnsured/Undernsured . Motorst .Coverage .s .the .most .we .wll .pay .regardless .of .the .number .of: . 1 . . . clams .made; 2 . . . covered autos; . 3 . . . insured persons; 4 . . . lawsuts .brought; 5 . . . vehcles .nvolved .n .the .accdent; . 6 . . . premums .pad; .or 7 . . . polces .ssued .by .us . If .your .declarations page .shows .a .splt .lmt: 1 . . . the .amount .shown .for .each .person .s .the .most .we .wll .pay .for .all .damages . due .to .bodily injury .to .one .person; .
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2 . . . subject .to .the .each .person .lmt, .the .amount .shown .for .each .accdent .s . the .most .we wll .pay .for .all .damages .due .to .bodily injury .sustaned .by .two .or . more .persons .n .any .one .accdent; .and 3 . . . any . amount . shown . for . property . damage . s . the . most . we . wll . pay . for . the . aggregate .of .all .property damage .caused .by .any .one .accdent . The .each .person .lmt .of .lablty .ncludes .the .total .of .all .clams .made .for .bodily injury to .an .insured person and .all .clams .of .others .derved .from .such .bodily injury, .ncludng, .but .not .lmted .to, .emotonal .njury .or .mental .angush .resultng . from .the .bodily .injury .of .another .or .from .wtnessng .the .bodily injury .to .another, . loss .of .socety, .loss .of .companonshp, .loss .of .servces, .loss .of .consortum, .and . wrongful .death . . If .the .declarations page .shows .that .combned .sngle .lmt .or .CSL .apples, .the . amount .shown .s .the .most .we .wll .pay .for .the .total .of .all .damages .resultng .from . any . one . accdent . . However, . wthout . changng . ths . total . lmt . of . lablty, . we wll . comply .wth .any .law .that .requres .us to .provde .any .separate .lmts . . The .lmts .of .lablty .under .ths .Part .III .wll .be .reduced .by: 1 . . . all .sums .pad .because .of .bodily injury or .property damage by .or .on .behalf . of .any .persons .or .organzatons .that .may .be .legally .responsble, .ncludng, .but . not .lmted .to, .all .sums .pad .under .Part .I .- .Lablty .To .Others; .and 2 . . . any .other .amounts .avalable .for .payment .for .bodily injury .or .property damage .under .lablty .bonds .and .polces .coverng .persons .lable .to .the .insured person . We .wll .not .pay .under .ths .Part .III .any .expenses .pad .or .payable .under .Part .II .- . Medcal .Payments .Coverage . The .lmt .of .lablty .for .property damage .to .a .covered auto .s .the .lowest .of: . 1 . . . the .actual .cash .value .of .the .covered auto .at .the .tme .of .the .accdent .reduced . by .the .applcable .deductble; 2 . . . the .amount .necessary .to .replace .the .covered auto .reduced .by .the .applcable . deductble; 3 . . . amount . necessary . to . repar . the . covered auto . to . ts . pre-loss condton . the . reduced .by .the .applcable .deductble; .or 4 . . . lmt . of . lablty . shown . on . the . declarations page . for . property . damage . the . under .ths .Part .III . No .one .wll .be .enttled .to .duplcate .payments .for .the .same .elements .of .damages . If .multple .auto .polces .ssued .by .us are .n .effect .for .you, .we wll .pay .no .more .than . the .hghest .lmt .of .lablty .for .ths .coverage .avalable .under .any .one .polcy .

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OTHER INSURANCE All .stackng .of .Unnsured/Undernsured .Motorst .Bodly .Injury .and .Unnsured .Motorst .Property .Damage .s .precluded . If .coverage .apples .under .ths .Part .III .and .any .other .unnsured .or .undernsured . motorst .coverage .also .apples, .any .nsurance .we provde .wth .respect .to .a .vehcle . that .s .not .a .covered auto .or .wth .respect .to .an .insured person .other .than .you or .a .relative .shall .be .excess .over .any .other .unnsured .or .undernsured .motorst . coverage . . If .coverage .under .ths .Part .III .and .any .other .unnsured .or .undernsured .motorst . coverage .apply .on .a .prmary .bass, .the .total .benefits .avalable .under .the .prmary . coverages .wll .not .exceed .the .maxmum .benefits .payable .by .the .coverage .wth .the . hghest .lmt .of .lablty . If .coverage .under .ths .Part .III .and .any .other .unnsured .or .undernsured .motorst . coverage .apply .on .an .excess .bass, .the .total .benefits .avalable .under .the .excess . coverages .wll .not .exceed .the .dfference .between .the .lmt .of .lablty .of .the .coverage . that .apples .as .prmary .and .the .hghest .applcable .lmt .of .lablty .of .any .one .of .the . coverages .that .apples .as .excess . . If . there . s . other . applcable . unnsured . or . undernsured . motorst . coverage . of . the . same .prorty, .we .wll .pay .only .our .share .of .the .total .benefits .avalable .under .those . coverages . .Our .share .s .the .proporton .that .our .lmt .of .lablty .bears .to .the .total .of . all .avalable .coverage .lmts .of .lablty .of .the .same .prorty . . Any .nsurance .we provde .for .property damage wll .be .excess .over .any .other .unnsured .motorst .property .damage .coverage . PART IV - DAMAGE TO A VEHICLE INSURING AGREEMENT - COLLISION COVERAGE If .you pay .the .premum .for .ths .coverage, .we .wll .pay .for .sudden, .drect, .and .accdental .loss .to .a: 1 . . . covered auto, .ncludng .an .attached .trailer; .or 2 . . . non-owned auto; . and .ts .custom parts or equipment, resultng .from .collision . In .addton, .we wll .pay .the .reasonable .cost .to .replace .any .chld .safety .seat .damaged .n .an .accdent .to .whch .ths .coverage .apples .

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INSURING AGREEMENT - COMPREHENSIVE COVERAGE If .you .pay .the .premum .for .ths .coverage, .we .wll .pay .for .sudden, .drect, .and .accdental .loss .to .a: 1 . . . covered auto, .ncludng .an .attached .trailer; .or 2 . . . non-owned auto; and .ts .custom parts or equipment, .that .s .not .caused .by .collision . A .loss .not .caused .by .collision ncludes: 1 . . . contact .wth .an .anmal .(ncludng .a .brd); 2 . . . exploson .or .earthquake; 3 . . . fire; 4 . . . malcous .mschef .or .vandalsm; 5 . . . mssles .or .fallng .objects; 6 . . . rot .or .cvl .commoton; . 7 . . . theft .or .larceny; 8 . . . wndstorm, .hal, .water, .or .flood; .or 9 . . . breakage .of .glass .not .caused .by .collision . In .addton, .we .wll .pay .for: 1 . . . reasonable . transportaton . expenses . ncurred . by . you f . a . covered auto s . stolen; .and . 2 . . . loss .of .use .damages .that .you .are .legally .lable .to .pay .f .a .non-owned auto .s . stolen . . A .combned .maxmum .of .$900, .not .exceedng .$30 .per .day, .wll .apply .to .these .addtonal .benefits . .The .addtonal .benefit .for .transportaton .expenses .wll .not .apply . f .you .purchased .Rental .Rembursement .Coverage .for .the .stolen .covered .auto . . Coverage .for .transportaton .expenses .and .loss .of .use .damages .begns .48 .hours . after .you .report .the .theft .to .us .and .ends .the .earlest .of: 1 . . . when .the .auto has .been .recovered .and .returned .to .you .or .ts .owner; . 2 . . . when .the .auto has .been .recovered .and .repared; 3 . . . when .the .auto has .been .replaced; .or 4 . . . 72 .hours .after .we .make .an .offer .to .settle .the .loss .f .the .auto s .deemed .by .us to .be .a .total .loss . We .must .receve .wrtten .proof .of .transportaton .expenses .and .loss .of .use .damages . INSURING AGREEMENT - ADDITIONAL CUSTOM PARTS OR EQUIPMENT COVERAGE We .wll .pay .for .sudden, .drect, .and .accdental .loss .to .custom parts or equipment on .a .covered auto for .whch .ths .coverage .has .been .purchased . .Ths .coverage . apples .only .f .you .have .purchased .both .Comprehensve .Coverage .and .Collson . Coverage . for . that . covered auto and . the . loss . s . covered . under . one . of . those .
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coverages . .Ths .coverage .apples .n .addton .to .any .coverage .automatcally .provded .for .custom parts or equipment .under .Comprehensve .Coverage .or .Collson . Coverage . INSURING AGREEMENT - RENTAL REIMBURSEMENT COVERAGE We wll .remburse .rental .charges .ncurred .when .you .rent .an auto .from .a .rental . agency .or .auto .repar .shop .due .to .a .loss .to .a .covered auto .that .has .Rental .Rembursement .Coverage .under .ths .polcy . .Ths .coverage .apples .only .f .you .have . purchased .both .Comprehensve .Coverage .and .Collson .Coverage .for .that .covered auto and .the .loss .s .covered .under .one .of .those .coverages . Addtonal . fees . or . charges . for . nsurance, . damage . wavers, . optonal . equpment, . fuel, .or .accessores .are .not .covered . The .maxmum .we .wll .pay .s .the .daly .amount .up .to .the .number .of .days .shown .on . the .declarations page . If .Rental .Rembursement .Coverage .apples, .no .other .coverage .under .ths .polcy . for .rental .expenses .wll .apply . Rental .charges .wll .be .rembursed .begnnng: 1 . . . when .the .covered auto .cannot .be .drven .due .to .a .loss; .or 2 . . . f .the .covered auto .can .be .drven, .when .you .delver .the .covered auto .to .an . auto .repar .shop .or .one .of .our .Clams .Servce .Centers .for .repars .due .to .the . loss; and .endng .the .earlest .of: 1 . . . when .the .covered auto .has .been .returned .to .you; 2 . . . when .the .covered auto .has .been .repared; . 3 . . . when .the .covered auto .has .been .replaced; 4 . . . hours . after . we . make . an . offer . to . settle . the . loss . f . the . covered auto s . 72 . deemed .by .us to .be .a .total .loss; .or 5 . . . when .you ncur .30 .days .worth .of .rental .charges . You must .provde .us .wrtten .proof .of .your .rental .charges .to .be .rembursed . INSURING AGREEMENT - LOAN/LEASE PAYOFF COVERAGE If .you .pay .the .premum .for .ths .coverage, and .the .covered auto for .whch .ths . coverage .was .purchased .s .deemed .by .us .to .be .a .total .loss, .we .wll .pay, .n .addton . to .any .amounts .otherwse .payable .under .ths .Part .IV, .the .dfference .between: 1 . . . the .actual .cash .value .of .the .covered auto .at .the .tme .of .the .total .loss; .and 2 . . . any .greater .amount .the .owner .of .the .covered auto s .legally .oblgated .to .pay . under .a .wrtten .loan .or .lease .agreement .to .whch .the .covered auto .s .subject . at .the .tme .of .the .total .loss, .reduced .by: . a . . . unpad .finance .charges .or .refunds .due .to .the .owner .for .such .charges;
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b . . . excess .mleage .charges .or .charges .for .wear .and .tear; c . . . charges .for .extended .warrantes .or .refunds .due .to .the .owner .for .extended . warrantes; d . . . charges .for .credt .nsurance .or .refunds .due .to .the .owner .for .credt .nsurance; e . . . past .due .payments .and .charges .for .past .due .payments; .and f . . . collecton .or .repossesson .expenses .

However, .our payment .under .ths .coverage .shall .not .exceed .the .lmt .of .lablty . shown .on .the .declarations page . .The .lmt .of .lablty .s .a .percentage .of .the .actual . cash .value .of .the .covered auto .at .the .tme .of .the .loss . Ths .coverage .apples .only .f .you .have .purchased .both .Comprehensve .Coverage . and .Collson .Coverage .for .that .covered auto and .the .loss .s .covered .under .one . of .those .coverages . ADDITIONAL DEFINITIONS When .used .n .ths .Part .IV: 1 . . . Collision .means .the .upset .of .a .vehcle .or .ts .mpact .wth .another .vehcle .or . object . 2 . . . Custom parts or equipment .means .equpment, .devces, .accessores, .enhancements, .and .changes, .other .than .those .that .are .offered .by .the .manufacturer .specfically .for .that .auto model, .or .that .are .nstalled .by .the .auto dealershp .as .part .of .the .orgnal .sale .of .a .new .auto, .that: . a . . . are .permanently .nstalled .or .attached; .and . b . . . alter .the .appearance .or .performance .of .an .auto . 3 . . . Mechanical parts .means .operatonal .parts .on .a .vehcle that .wear .out .over . tme .or .have .a .finte .useful .lfe .or .duraton .typcally .shorter .than .the .lfe .of .the . vehcle . as . a . whole . . Mechanical parts . do . not . nclude . external . crash . parts, . wheels, .pant, .or .wndshelds .and .other .glass . 4 . . . Non-owned auto . means . an . auto that . s . not . owned . by . or . furnshed . or . avalable .for .the .regular .use .of .you or .a .relative whle .n .the .custody .of .or . beng .operated .by .you .or .a relative .wth .the .permsson .of .the .owner .of .the . auto or .the .person .n .lawful .possesson .of .the .auto . EXCLUSIONS - READ THE FOLLOWING EXCLUSIONS CAREFULLY. IF AN EXCLUSION APPLIES, COVERAGE WILL NOT BE AFFORDED UNDER THIS PART IV. Coverage .under .ths .Part .IV .wll .not .apply .for .loss: 1 . . . to .any .vehcle .whle .beng .used .to .carry .persons .or .property .for .compensaton . or .a .fee, .ncludng, .but .not .lmted .to, .pckup .or .delvery .of .magaznes, .newspapers, .food, .or .any .other .products . .Ths .excluson .does .not .apply .to .sharedexpense .car .pools; 2 . . . a . non-owned auto . whle . beng . mantaned . or . used . by . a . person . whle . to . employed .or .engaged .n .any .auto business;
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3 . . . to .any .vehcle .resultng .from, .or .sustaned .durng .practce .or .preparaton .for: . a . . . any .pre-arranged .or .organzed .racng, .stuntng, .speed, .or .demolton .contest .or .actvty; .or . b . . . any .drvng .actvty .conducted .on .a .permanent .or .temporary .racetrack .or . racecourse; 4 . . . to .any .vehcle .for .whch .nsurance: . . a . . . s .afforded .under .a .nuclear .energy .lablty .nsurance .contract; .or . b . . . would .be .afforded .under .a .nuclear .energy .lablty .nsurance .contract .but . for .ts .termnaton .upon .exhauston .of .ts .lmt .of .lablty; 5 . . . to .any .vehcle .caused .by .an .ntentonal .act .commtted .by .or .at .the .drecton .of . you, .a .relative, .or .the .owner .of .a .non-owned auto .even .f .the .actual .damage . s .dfferent .than .that .whch .was .ntended .or .expected; 6 . . . to .a .covered auto .whle .t .s .leased .or .rented .to .others .or .gven .n .exchange . for .compensaton . .Ths .excluson .does .not .apply .to .the .operaton .of .a .covered auto .by .you .or .a .relative; 7 . . . due .to .destructon .or .confiscaton .by .governmental .or .cvl .authortes .of .any . vehcle .because .you .or .any .relative engaged .n .llegal .actvtes; 8 . . . to .any .vehcle .that .s .due .and .confined .to: . . a . . . wear .and .tear; . b . . . freezng; . c . . . mechancal, .electrcal, .or .electronc .breakdown .or .falure; .or . d . . . road .damage .to .tres . . Ths .excluson .does .not .apply .f .the .damage .results .from .the .theft .of .a .vehcle; . 9 . . . to .portable .equpment, .devces, .accessores, .and .any .other .personal .effects . that .are .not .permanently .nstalled . .Ths .ncludes, .but .s .not .lmted .to: . a . . . tapes, .compact .dscs, .cassettes, .DVDs, .and .other .recordng .or .recorded . meda; . b . . . any .case .or .other .contaner .desgned .for .use .n .storng .or .carryng .tapes, . compact .dscs, .cassettes, .DVDs, .or .other .recordng .or .recorded .meda; . c . . . any .devce .used .for .the .detecton .or .locaton .of .radar, .laser, .or .other .speed . measurng .equpment .or .ts .transmssons; .and . d . . . CB . rados, . telephones, . two-way . moble . rados, . DVD . players, . personal . computers, .personal .dgtal .assstants, .or .televsons; 10 . . . to .any .vehcle .for .dmnuton .of .value; 11 . . . to .any .vehcle .caused .drectly .or .ndrectly .by: . a . . . war .(declared .or .undeclared) .or .cvl .war; . b . . . warlke .acton .by .any .mltary .force .of .any .government, .soveregn .or .other . authorty .usng .mltary .personnel .or .agents . .Ths .ncludes .any .acton .taken .to .hnder .or .defend .aganst .an .actual .or .expected .attack; .or . c . . . nsurrecton, .rebellon, .revoluton, .usurped .power, .or .any .acton .taken .by . a .governmental .authorty .to .hnder .or .defend .aganst .any .of .these .acts; 12 . . . to .any .vehcle .caused .drectly .or .ndrectly .by: . a . . . any .accdental .or .ntentonal .dscharge, .dspersal .or .release .of .radoactve, . nuclear, .pathogenc .or .posonous .bologcal .materal; .or . b . . . any .ntentonal .dscharge, .dspersal .or .release .of .chemcal .or .hazardous . materal .for .any .purpose .other .than .ts .safe .and .useful .purpose; .or
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13 . . . to .any .vehcle .caused .by, .or .reasonably .expected .to .result .from, .a .crmnal . act .or .omsson .of .you, .a .relative, .or .the .owner .of .a .non-owned auto . .Ths . excluson .apples .regardless .of .whether .you, .the .relative, .or .the .owner .of .the . non-owned auto .s .actually .charged .wth, .or .convcted .of, .a .crme . LIMITS OF LIABILITY 1 . . . The .lmt .of .lablty .for .loss .to .a .covered auto, .non-owned auto, .or .custom parts or equipment .s .the .lowest .of: . a . . . the .actual .cash .value .of .the .stolen .or .damaged .property .at .the .tme .of .the . loss .reduced .by .the .applcable .deductble; . b . . . amount .necessary .to .replace .the .stolen .or .damaged .property .reduced . the . by .the .applcable .deductble; . c . . . the .amount .necessary .to .repar .the .damaged .property .to .ts .pre-loss .condton .reduced .by .the .applcable .deductble; .or . d . . . Stated .Amount . shown . on . the . declarations page for . that . covered the . auto; . However, .the .most .we wll .pay .for .loss .to: . a . . . custom parts or equipment s .$1,000 .unless .you .purchased .Addtonal . Custom .Parts .or .Equpment .Coverage .(ACPE) . .If .you purchased .ACPE, . the .most .we wll .pay .s .$1,000 .plus .the .amount .of .ACPE .you purchased . b . . . a .trailer .s .the .lmt .of .lablty .shown .on .the .declarations page .for .that . trailer . .If .the .trailer .s .not .shown .on .the .declarations page, .the .lmt .of . lablty .s .$500 . 2 . . . Payments .for .loss .to .a .covered auto, .non-owned auto, .or .custom parts or equipment are .subject .to .the .followng .provsons: . a . . . If .coverage .apples .to .a .non-owned auto, .we .wll .provde .the .broadest . coverage . applcable . to . any . covered . auto shown . on . the . declarations page . . b . . . you have . elected . a . Stated . Amount . for . a . covered auto, . the . Stated . If . Amount .s .the .most .we wll .pay .for .all .loss .to .that .covered auto, .ncludng . ts .custom parts or equipment . . c . . . Coverage . for . custom parts or equipment wll . not . cause . our lmt . of . lablty .for .loss to .an .auto under .ths .Part .IV .to .be .ncreased .to .an .amount . n .excess .of .the .actual .cash .value .of .the .auto, .ncludng .ts .custom parts or equipment . . d . . . If .the .custom parts or equipment .take .the .place .of .parts .or .equpment . that .were .ncluded .on .the .auto .by .the .orgnal .vehcle .manufacturer, .no . credt .wll .be .gven .for .the .value .of .the .correspondng .orgnal .part .or .equpment .n .the .payment .of .the .loss . . e . . . In .determnng .the .amount .necessary .to .repar .damaged .property .to .ts . pre-loss .condton, .the .amount .to .be .pad .by .us: . . () . . wll .not .exceed .the .prevalng .compettve .labor .rates .charged .n .the . area .where .the .property .s .to .be .repared, .and .the .cost .of .repar .or . replacement .parts .and .equpment, .as .reasonably .determned .by .us; . and
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() . . be .based .on .the .cost .of .repar .or .replacement .parts .and .equpment . wll . whch .may .be .new, .recondtoned, .remanufactured, .or .used, .ncludng, . but .not .lmted .to: . . . (a) . orgnal .manufacturer .parts .or .equpment; .and . . . (b) . nonorgnal .manufacturer .parts .or .equpment . . . f . . . determne . the . amount . necessary . to . repar . or . replace . the . damaged . To . property .as .referred .to .n .subsecton .1, .the .total .cost .of .necessary .repar . or .replacement .may .be .reduced .by .unrepared .pror .damage . .Unrepared . pror . damage . ncludes . broken, . cracked, . or . mssng . parts; . rust; . dents; . scrapes; . gouges; . and . peelng . pant . . The . reducton . for . unrepared . pror . damage .s .the .cost .of .labor, .parts, .and .materals .necessary .to .repar .or . replace .damage, .deteroraton, .defects, .or .wear .and .tear .on .exteror .body . parts, .wndshelds .and .other .glass, .wheels, .and .pant, .that .exsted .pror .to . the .accdent .and .that .s .elmnated .as .a .result .of .the .repar .or .replacement . of .property .damaged .n .the .loss . . g . . . determne . the . amount . necessary . to . repar . or . replace . the . damaged . To . property .as .referred .to .n .subsecton .1, .an .adjustment .may .be .made .for . betterment .or .deprecaton .and .physcal .condton .on: . . () . batteres; . . () . tres; . . () . engnes . and . transmssons, . f . the . engne . has . greater . than . 80,000 . . mles; .and . . (v) . any .other .mechanical parts that .are .nonfunctonng .or .noperatve . We .wll .not .make .an .adjustment .for .the .labor .costs .assocated .wth .the . replacement .or .repar .of .these .parts . . . h . . . The .actual .cash .value .s .determned .by .the .market .value, .age, .and .condton .of .the .vehcle .at .the .tme .the .loss .occurs . 3 . . . No .deductble .wll .apply .to .a .loss to .wndow .glass .when .the .glass .s .repared . nstead .of .replaced . . 4 . . . Duplcate .recovery .for .the .same .elements .of .damages .s .not .permtted . PAYMENT OF LOSS We may, .at .our opton: 1 . . . pay .for .the .loss .n .money; .or 2 . . . repar .or .replace .the .damaged .or .stolen .property . At .our .expense, .we .may .return .any .recovered .stolen .property .to .you .or .to .the . address .shown .on .the .declarations page, .wth .payment .for .any .damage .resultng . from .the .theft . .We .may .keep .all .or .part .of .the .property .at .the .agreed .or .apprased . value . . We .may .settle .any .loss .wth .you .or .the .owner .or .lenholder .of .the .property .

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NO BENEFIT TO BAILEE Coverage .under .ths .Part .IV .wll .not .drectly .or .ndrectly .benefit .any .carrer .or .other . balee .for .hre . LIENHOLDER AGREEMENT Payment .under .ths .Part .IV .for .a .loss to .a .covered auto .wll .be .made .accordng .to . your .nterest .and .the .nterest .of .any .lenholder .shown .on .the .declarations page or .desgnated .by .you . .Payment .may .be .made .to .both .jontly, .or .separately, .at .our . dscreton . .We may .make .payment .for .a .loss .other .than .a .total .loss .drectly .to .the . repar .faclty .wth .your consent . Coverage .under .ths .Part .IV, .wth .respect .to .the .nterest .of .the .lenholder, .wll .not . become .nvald .because .of .your .fraudulent .acts .or .omssons .unless .the .loss .results .from .your .converson, .secreton, .or .embezzlement .of .a .covered auto . .The . lenholders .nterest .wll .not .be .protected .where .the .loss .s .otherwse .not .covered . under .the .terms .of .ths .polcy . . If .ths .polcy .s .cancelled .or .nonrenewed, .the .nterest .of .any .lenholder .under .ths . agreement .wll .also .termnate . We .wll .be .enttled .to .the .lenholders .rghts .of .recovery, .to .the .extent .of .our .payment . to .the .lenholder . OTHER SOURCES OF RECOVERY If .other .sources .of .recovery .also .cover .the .loss, .we .wll .pay .only .our .share .of .the . loss . .Our .share .s .the .proporton .that .our .lmt .of .lablty .bears .to .the .total .of .all . applcable .lmts . .However, .any .nsurance .we .provde .for .a .non-owned .auto, or . trailer .not .shown .on .the .declarations page, .wll .be .excess .over .any .other .collectble .source .of .recovery .ncludng, .but .not .lmted .to: 1 . . . any .coverage .provded .by .the .owner .of .the .non-owned auto .or .trailer; 2 . . . any .other .applcable .physcal .damage .nsurance; .and . 3 . . . any .other .source .of .recovery .applcable .to .the .loss . APPRAISAL If .we .cannot .agree .wth .you .on .the .amount .of .a .loss, .then .we .or .you .may .demand . an . apprasal . of . the . loss . . Wthn . 30 . days . of . any . demand . for . an . apprasal, . each . party .shall .appont .a .competent .and .mpartal .appraser .and .shall .notfy .the .other . party .of .that .apprasers .dentty . .The .apprasers .wll .determne .the .amount .of .loss . . If .they .fal .to .agree, .the .dsagreement .wll .be .submtted .to .a .qualfied .and .mpartal . umpre .chosen .by .the .apprasers . .If .the .two .apprasers .are .unable .to .agree .upon . an .umpre .wthn .15 .days, .we .or .you .may .request .that .a .judge .of .a .court .of .record, . n .the .county .where .you resde, .select .an .umpre . .The .apprasers .and .umpre .wll .
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determne .the .amount .of .loss . .The .amount .of .loss .agreed .to .by .both .apprasers, . or .by .one .appraser .and .the .umpre, .wll .be .bndng . .You .wll .pay .your .apprasers . fees .and .expenses . .We .wll .pay .our .apprasers .fees .and .expenses . .All .other .expenses .of .the .apprasal, .ncludng .payment .of .the .umpre .f .one .s .selected, .wll .be . shared .equally .between .us and .you . .Nether .we .nor .you .wave .any .rghts .under . ths .polcy .by .agreeng .to .an .apprasal . PART V - ROADSIDE ASSISTANCE COVERAGE INSURING AGREEMENT If .you .pay .the .premum .for .ths .coverage, .we wll .pay .for .our .authorzed .servce . representatve .to .provde .the .followng .servces .when .necessary .due .to .a .covered emergency: . 1 . . . towng .of .a covered disabled auto to .the .nearest .qualfied .repar .faclty; .and 2 . . . labor .on .a .covered disabled auto at .the .place .of .dsablement . If .a .covered disabled auto s .towed .to .any .place .other .than .the .nearest .qualfied . repar .faclty, .you wll .be .responsble .for .any .addtonal .charges .ncurred . ADDITIONAL DEFINITIONS When .used .n .ths .Part .V: 1 . . . Covered disabled auto .means .a .covered auto for .whch .ths .coverage .has . been .purchased .that .sustans .a .covered emergency . 2 . . . Covered emergency .means .a .dsablement .that .s .a .result .of: . a . . . mechancal .or .electrcal .breakdown; . b . . . battery .falure; . c . . . nsufficent .supply .of .fuel, .ol, .water, .or .other .flud; . d . . . flat .tre; . e . . . lock-out; .or . f . . . entrapment .n .snow, .mud, .water, .or .sand, .wthn .100 .feet .of .a .road .or .hghway . . EXCLUSIONS - READ THE FOLLOWING EXCLUSIONS CAREFULLY. IF AN EXCLUSION APPLIES, COVERAGE WILL NOT BE AFFORDED UNDER THIS PART V. Coverage .under .ths .Part .V .wll .not .apply .to: . 1 . . . the .cost .of .purchasng .parts, .flud, .lubrcants, .fuel, .or .replacement .keys, .or .the . labor .to .make .replacement .keys; . 2 . . . nstallaton .of .products .or .materal .not .related .to .the .dsablement; 3 . . . labor .not .related .to .the .dsablement; 4 . . . labor .on .a .covered disabled auto for .any .tme .perod .n .excess .of .60 .mnutes . per .dsablement; 5 . . . towng .or .storage .related .to .mpoundment, .abandonment, .llegal .parkng, .or . other .volatons .of .law;
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6 . . . assstance .wth .jacks, .levelers, .arbags, .or .awnngs; 7 . . . towng .from .a .servce .staton, .garage, .or .repar .shop; 8 . . . labor .or .repar .work .performed .at .a .servce .staton, .garage, .or .repar .shop; 9 . . . auto .storage .charges; 10 . . . a .second .servce .call .or .tow .for .a .sngle .dsablement; 11 . . . dsablement . that . occurs . on . roads . not . regularly . mantaned, . sand . beaches, . open .fields, .or .areas .desgnated .as .not .passable .due .to .constructon, .weather, . or .earth .movement; 12 . . . mountng .or .removng .of .snow .tres .or .chans; 13 . . . tre .repar; 14 . . . repeated .servce .calls .for .a covered disabled auto .n .need .of .routne .mantenance .or .repar; 15 . . . dsablement .that .results .from .an .ntentonal .or .wllful .act .or .acton .by .you, .a . relative, or .the .operator .of .a .covered disabled auto; .or 16 . . . a .traler . UNAUTHORIZED SERVICE PROVIDER When . servce . s . rendered . by . a . provder . n . the . busness . of . provdng . roadsde . assstance .and .towng .servces, .other .than .one .of .our .authorzed .servce .representatves, .we .wll .pay .only .reasonable .charges, .as .determned .by .us, .for: 1 . . . towng .of .a covered disabled auto to .the .nearest .qualfied .repar .faclty; .and 2 . . . labor .on .a .covered disabled auto at .the .place .of .dsablement; whch .s .necessary .due .to .a .covered emergency . OTHER INSURANCE Any .coverage .provded .under .ths .Part .V .for .servce .rendered .by .an .unauthorzed . servce .provder .wll .be .excess .over .any .other .collectble .nsurance .or .towng .protecton .coverage . PART VI - DUTIES IN CASE OF AN ACCIDENT OR LOSS For . coverage . to . apply . under . ths . polcy, . you . or . the . person . seekng . coverage . must . promptly . report . each . accdent . or . loss . even . f . you . or . the . person . seekng . coverage . s . not . at . fault . . You . or . the . person . seekng . coverage . must . provde . us . wth .all .accdent/loss .nformaton .ncludng .tme, .place, .and .how .the .accdent .or . loss .happened . .You .or .the .person .seekng .coverage .must .also .obtan .and .provde . us .the .names .and .addresses .of .all .persons .nvolved .n .the .accdent .or .loss, .the . names . and . addresses . of . any . wtnesses, . and . the . lcense . plate . numbers . of . the . vehcles .nvolved . If .you .or .the .person .seekng .coverage .cannot .dentfy .the .owner .or .operator .of . a .vehcle .nvolved .n .the .accdent, .or .f .theft .or .vandalsm .has .occurred, .you .or . the .person .seekng .coverage .must .notfy .the .polce .wthn .24 .hours .or .as .soon .as . practcable .
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A .person .seekng .coverage .must: 1 . . . cooperate .wth .us .n .any .matter .concernng .a .clam .or .lawsut; 2 . . . provde .any .wrtten .proof .of .loss .we .may .reasonably .requre; 3 . . . allow .us .to .take .sgned .and .recorded .statements, .ncludng .sworn .statements . and .examnatons .under .oath, .whch .we .may .conduct .outsde .the .presence . of . you . or . any . other . person . clamng . coverage, . and . answer . all . reasonable . questons .we .may .ask .as .often .as .we .may .reasonably .requre; 4 . . . promptly .call .to .notfy .us about .any .clam .or .lawsut .and .send .us .any .and .all . legal .papers .relatng .to .the .clam .or .sut; 5 . . . attend .hearngs .and .trals .as .we .requre; 6 . . . take .reasonable .steps .after .a .loss .to .protect .the .covered auto, .or .any .other . vehcle .for .whch .coverage .s .sought, .from .further .loss . .We .wll .pay .reasonable . expenses .ncurred .n .provdng .that .protecton . .If .falure .to .provde .such .protecton . results . n . further . loss, . any . addtonal . damages . wll . not . be . covered . under .ths .polcy; 7 . . . allow .us .to .have .the .damaged .covered auto, .or .any .other .damaged .vehcle .for . whch .coverage .s .sought, .nspected .and .apprased .before .ts .repar .or .dsposal; 8 . . . submt .to .medcal .examnatons .at .our .expense .by .doctors .we .select .as .often . as .we .may .reasonably .requre; .and 9 . . . authorze .us .to .obtan .medcal .and .other .records . . PART VII - GENERAL PROVISIONS POLICY PERIOD AND TERRITORY Ths .polcy .apples .only .to .accdents .and .losses .occurrng .durng .the .polcy .perod . shown .on .the .declarations page .and .that .occur .wthn .a .state, .terrtory, .or .possesson .of .the .Unted .States .of .Amerca, .or .a .provnce .or .terrtory .of .Canada, .or . whle .a .covered auto .or .trailer .shown .on .the .declarations page .s .beng .transported .between .ther .ports . CHANGES Ths .polcy .contract, .your .nsurance .applcaton .(whch .s .made .a .part .of .ths .polcy . as .f .attached .hereto), .the .declarations page, .and .all .endorsements .to .ths .polcy . ssued . by us, contan . all . the . agreements . between . you . and . us . . Subject . to . the . followng, . the . terms . of . ths . polcy . may . not . be . changed . or . waved . except . by . an . endorsement .ssued .by .us . The .premum .for .ths .polcy .s .based .on .nformaton .we .receved .from .you .and . other .sources . .You .agree .to .cooperate .wth .us .n .determnng .f .ths .nformaton . s .correct .and .complete, .and .to .notfy .us .f .t .changes .durng .the .polcy .perod . .If . ths .nformaton .s .ncorrect, .ncomplete, .or .changes .durng .the .polcy .perod, .you agree .that .we .may .adjust .your .premum .accordngly . .Changes .that .may .result .n .a . premum .adjustment .are .contaned .n .our rates .and .rules . .These .nclude, .but .are . not .lmted .to, you .or .a .relative .obtanng .a .drvers .lcense .or .operators .permt, .
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or .changes .n: 1 . . . the .number, .type, .or .use .classficaton .of .covered autos; 2 . . . operators .usng .covered autos; 3 . . . an .operators .martal .status; 4 . . . the .place .of .prncpal .garagng .of .any .covered auto; 5 . . . coverage, .deductbles, .or .lmts .of .lablty; .or 6 . . . ratng .terrtory .or .dscount .elgblty . . The .coverage .provded .n .your polcy .may .be .changed .only .by .the .ssuance .of . a .new .polcy .or .an .endorsement .by .us . .However, .f .durng .the .polcy .perod .we broaden .any .coverage .afforded .under .the .current .edton .of .your polcy .wthout . addtonal .premum .charge, .that .change .wll .automatcally .apply .to .your polcy .as . of .the .date .the .coverage .change .s .mplemented .n .your .state . . If .you .ask .us .to .delete .a .vehcle .from .ths .polcy, .no .coverage .wll .apply .to .that . vehcle .as .of .the .date .and .tme .you .ask .us .to .delete .t . . DUTY TO REPORT CHANGES You .must .promptly .notfy .us when: 1 . . . your .malng .or .resdence .address .changes; 2 . . . the .prncpal .garagng .address .for .a .covered auto .or .a .trailer .shown .on .the . declarations page .changes; 3 . . . there .s .a .change .wth .respect .to .the .resdents .n .your household .or .the .persons .who .regularly .operate .a .covered auto; 4 . . . an .operators .martal .status .changes; 5 . . . you .or .a .relative .obtan .a .drvers .lcense .or .operators .permt; .or 6 . . . you .acqure .an .addtonal .or .replacement .vehcle . . SETTLEMENT OF CLAIMS We .may .use .estmatng, .apprasal, .or .njury .evaluaton .systems .to .adjust .clams . under . ths . polcy . and . to . determne . the . amount . of . damages, . expenses, . or . loss . payable .under .ths .polcy . .Such .systems .may .be .developed .by .us .or .a .thrd .party . and .may .nclude .computer .software, .databases, .and .specalzed .technology . . TERMS OF POLICY CONFORMED TO STATUTES The .coverage .provded .by .ths .polcy .s .n .accordance .wth .the .coverage .defined . n .Sectons .4509 .01 .to .4509 .78, .nclusve, .of .the .Oho .Revsed .Code, .wth .respect . to .bodily injury or .property damage, .or .both, .and .s .subject .to .such .sectons . . If .any .provson .of .ths .polcy .fals .to .conform .to .the .statutes .of .the .state .lsted .on . your .applcaton .as .your resdence, .the .provson .shall .be .deemed .amended .to . conform .to .such .statutes . .All .other .provsons .shall .be .gven .full .force .and .effect . . Any .dsputes .as .to .the .coverages .provded .or .the .provsons .of .ths .polcy .shall .be . governed .by .the .law .of .the .state .lsted .on .your applcaton .as .your .resdence .
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TRANSFER Ths .polcy .may .not .be .transferred .to .another .person .wthout .our .wrtten .consent . . However, .f .a .named .nsured .shown .on .the .declarations page des, .ths .polcy . wll .provde .coverage .untl .the .end .of .the .polcy .perod .for .the .legal .representatve . of .the .named .nsured, .whle .actng .as .such, .and .for .persons .covered .under .ths . polcy .on .the .date .of .the .named .nsureds .death . FRAUD OR MISREPRESENTATION Ths .polcy .was .ssued .n .relance .upon .the .nformaton .provded .on .your nsurance . applcaton . .Materal .nformaton .provded .on .your .nsurance .applcaton .ncludes, . but .s .not .lmted .to, .nformaton .regardng .lcense .and .drvng .hstory .of .you, .relatives, .and .all .persons .of .drvng .age .resdng .n .your household; .the .descrpton . of .the .vehcles to .be .nsured; .the .locaton .of .the .prncpal .place .of .garagng; .and . your place .of .resdence . .We .may .vod .ths .polcy .at .any .tme, .ncludng .after .the . occurrence .of .an .accdent .or .loss, .f .you: 1 . . . made .ncorrect .statements .or .representatons .to .us wth .regard .to .any .materal . fact .or .crcumstance; 2 . . . concealed .or .msrepresented .any .materal .fact .or .crcumstance; .or . 3 . . . engaged .n .fraudulent .conduct; at .the .tme .of .applcaton . .Ths .means .that .we .wll .not .be .lable .for .any .clams .or . damages .that .would .otherwse .be .covered . However, .ths .shall .not .affect . coverage . under . Part . I . - . Lablty .To . Others .of .ths . polcy .up .to .the .mnmum .lmts .requred .by .the .financal .responsblty .law .of .the . State . of . Oho . for . an . accdent . that . occurs . before . we . notfy . the . named . nsured . that .the .polcy .s .vod . .If .we vod .ths .polcy, .you must .remburse .us f .we .make .a . payment . If .we vod .ths .polcy, .t .wll .be .vod .from .ts .ncepton .(vod .ab .nto), .as .f .the .polcy . never .took .effect . We may .deny .coverage .for .an .accdent .or .loss .f .you .or .a .person .seekng .coverage . has .knowngly .concealed .or .msrepresented .any .materal .fact .or .crcumstance, .or . engaged .n .fraudulent .conduct, .n .connecton .wth .the .presentaton .or .settlement . of .a .clam . PAYMENT OF PREMIUM AND FEES If . your . ntal . premum . payment . s . by . check, . draft, . electronc . funds . transfer, . or . smlar .form .of .remttance, .coverage .under .ths .polcy .s .condtoned .on .payment . to .us .by .the .financal .nsttuton . .If .the .financal .nsttuton .upon .presentment .does . not .honor .the .check, .draft, .electronc .funds .transfer, .or .smlar .form .of .remttance, . ths .polcy .may, .at .our .opton, .be .deemed .vod .from .ts .ncepton .(vod .ab .nto), . as .f .the .polcy .never .took .effect . .Ths .means .we wll .not .be .lable .under .ths .polcy .
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for .any .clams .or .damages .that .would .otherwse .be .covered .f .the .check, .draft, . electronc .funds .transfer, .or .smlar .form .of .remttance .had .been .honored .by .the . financal .nsttuton . .Any .acton .by .us .to .present .the .remttance .for .payment .more . than .once .shall .not .affect .our .rght .to .vod .ths .polcy . In .addton .to .premum, .fees .may .be .charged .on .your .polcy . .We .may .charge .fees . for .nstallment .payments, .late .payments, .and .other .transactons . .Payments .made . on .your .polcy .wll .be .appled .first .to .fees, .then .to .premum .due . CANCELLATION You . may . cancel . ths . polcy . durng . the . polcy . term . by . callng . or . wrtng . us . and . statng .the .future .date .you .wsh .the .cancellaton .to .be .effectve . We .may .cancel .ths .polcy .durng .the .polcy .term .by .malng .a .notce .of .cancellaton . to .the .named .nsured .shown .on .the .declarations page .at .the .last .known .address . appearng .n .our .records . We .wll .gve .at .least .10 .days .notce .of .cancellaton .f: . 1 . . . cancel .durng .the .first .89 .days .of .the .ntal .polcy .perod; .or we 2 . . . the .polcy .s .cancelled .for .nonpayment .of .premum . We .wll .gve .at .least .30 .days .notce .of .cancellaton .n .all .other .cases . . We .may .cancel .ths .polcy .for .any .reason .f .the .notce .s .maled wthn .the .first .89 . days .of .the .ntal .polcy .perod . . After .ths .polcy .s .n .effect .for .more .than .89 .days, .or .f .ths .s .a .renewal .or .contnuaton . polcy, .we .may .cancel .only .for .one .or .more .of .the .followng .reasons: 1 . . . nonpayment .of .premum; . 2 . . . materal .msrepresentaton .or .fraud .by .you .wth .respect .to .any .materal .fact .n . the .procurement .or .renewal .of .ths .polcy; . 3 . . . materal .msrepresentaton .or .fraud .n .the .submsson .of .any .clam .under .ths . polcy; . 4 . . . loss .of .drvng .prvleges .through .suspenson, .revocaton, .or .expraton .of .an . operators .lcense .ssued .to .you, .any .drver .n .your .household, .or .any .regular . operator .of .a .covered auto . .However, .we shall .contnue .the .polcy .n .effect . but .exclude .by .endorsement .all .coverage .as .to .the .person .whose .operators . lcense .has .been .suspended, .revoked .or .has .expred, .f .the .person .s .other . than .the .named .nsured .or .a .prncpal .operator .of .a .covered auto; . 5 . . . your .place .of .resdence .or .the .state .of .regstraton .or .lcense .of .a covered auto s .changed .to .a .state .or .country .n .whch .we .do .not .accept .applcatons . for .the .nsurance .provded .by .ths .polcy; 6 . . . have .agreed .to .ssue .a .new .polcy .wthn .the .same .or .an .affilated .company; . we or 7 . . . any .other .reason .specfied .by .law . .
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Proof .of .malng .wll .be .sufficent .proof .of .notce . .If .ths .polcy .s .cancelled, .coverage .wll .not .be .provded .as .of .the .effectve .date .and .tme .shown .n .the .notce . of .cancellaton . .For .purposes .of .cancellaton, .ths .polcy .s .nether .severable .nor . dvsble . .Any .cancellaton .wll .be .effectve .for .all .coverages .for .all .persons .and .all . vehcles . . CANCELLATION REFUND Upon .cancellaton, .you .may .be .enttled .to .a .premum .refund . . If . ths . polcy . s . cancelled, . any . refund . due . wll . be . computed . on . a . daly . pro . rata . bass . .However, .we .wll .retan .a .cancellaton .fee .f .ths .polcy .s .cancelled .at .your . request .or .f .cancellaton .s .for .nonpayment .of .premum . .A .cancellaton .fee .wll .be . charged .only .durng .the .ntal .polcy .perod . NONRENEWAL If .nether .we .nor .one .of .our .affilates .offers .to .renew .or .contnue .ths .polcy, .we .wll . mal .notce .of .nonrenewal .to .the .named .nsured .shown .on .the .declarations page . at . the . last . known . address . appearng . n . our . records . . Proof . of . malng . wll . be . sufficent .proof .of .notce . .Notce .wll .be .maled .at .least .30 .days .before .the .end .of . the .polcy .perod . .After .ths .polcy, .ncludng .any .renewal .perods, .has .been .n .effect . for .two .years, .we .wll .have .the .rght .not .to .renew .or .contnue .ths .polcy .only .at . each .two .year .annversary .of .ts .orgnal .effectve .date, .or .earler .f .permtted .by . state .law . . AUTOMATIC TERMINATION If .you .obtan .other .nsurance .on .a .covered auto, .any .smlar .nsurance .provded . by .ths .polcy .wll .termnate .as .to .that .covered auto .on .the .effectve .date .of .the . other .nsurance . . If .a .covered auto .s .sold .or .transferred .to .someone .other .than .you or .a .relative, . any .nsurance .provded .by .ths .polcy .wll .termnate .as .to .that .covered auto on .the . effectve .date .of .the .sale .or .transfer . LEGAL ACTION AGAINST US We .may .not .be .sued .unless .there .s .full .complance .wth .all .the .terms .of .ths .polcy . We .may .not .be .sued .for .payment .under .Part .I .- .Lablty .To .Others .untl .the .oblgaton . of .an .nsured .person .under .Part .I .to .pay .s .finally .determned .ether .by .judgment . after .tral .aganst .that .person .or .by .wrtten .agreement .of .the .nsured .person, .the . clamant, .and .us . .No .one .wll .have .any .rght .to .make .us .a .party .to .a .lawsut .to . determne .the .lablty .of .an nsured .person .
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If .we retan .salvage, .we .have .no .duty .to .preserve .or .otherwse .retan .the .salvage . for .any .purpose, .ncludng .evdence .for .any .cvl .or .crmnal .proceedng . OUR RIGHTS TO RECOVER PAYMENT We .are .enttled .to .the .rghts .of .recovery .that .the .nsured .person to .whom .payment . was .made .has .aganst .another, .to .the .extent .of .our .payment . .That .nsured .person . may .be .requred .to .sgn .documents .related .to .the .recovery .and .must .do .whatever . else .we requre .to .help .us .exercse .those .recovery .rghts, .and .do .nothng .after .an . accdent .or .loss .to .prejudce .those .rghts . . When .an nsured .person .has .been .pad .by .us .and .also .recovers .from .another, .the . amount .recovered .wll .be .held .by .the .nsured .person .n .trust .for .us .and .rembursed . to .us .to .the .extent .of .our .payment . .If .we are .not .rembursed, .we .may .pursue .recovery .of .that .amount .drectly .aganst .that .nsured .person . If .an .nsured .person .recovers .from .another .wthout .our .wrtten .consent, .the .nsured . persons .rghts .to .payment .under .any .affected .coverage .wll .no .longer .exst . If .we .elect .to .exercse .our .rghts .of .recovery .aganst .another, .we wll .also .attempt . to .recover .any .deductble .ncurred .by .an .nsured .person .under .ths .polcy .unless . we are .specfically .nstructed .by .that .person .not .to .pursue .the .deductble . .We .have . no .oblgaton .to .pursue .recovery .aganst .another .for .any .loss .not .covered .by .ths . polcy . We .reserve .the .rght .to .compromse .or .settle .the .deductble .and .property .damage clams .aganst .the .responsble .partes .for .less .than .the .full .amount . .We .reserve .the . rght .to .ncur .reasonable .expenses .and .attorney .fees .n .pursut .of .the .recovery . . If .the .total .recovery .s .less .than .the .total .of .our payment .and .the .deductble, .we . wll .reduce .rembursement .of .the .deductble .by .the .proporton .that .the .actual .recovery .bears .to .the .total .of .our .payment .and .the .deductble . .Rembursement .of . the .deductble .wll .also .be .reduced .by .a .proportonate .share .of .collecton .expenses . and .attorney .fees .ncurred .n .connecton .wth .these recovery .efforts . These .provsons .wll .be .appled .n .accordance .wth .state .law . JOINT AND INDIVIDUAL INTERESTS If .there .s .more .than .one .named .nsured .on .ths .polcy, .any .named .nsured .may . cancel .or .change .ths .polcy . .The .acton .of .one .named .nsured .wll .be .bndng .on . all .persons .provded .coverage .under .ths .polcy .

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BANKRUPTCY The .bankruptcy .or .nsolvency .of .an .nsured .person .wll .not .releve .us .of .any .oblgatons .under .ths .polcy .

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