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					NEVADA
AUTO POLICY




Form 9610A NV (10/06)
version 3.0
                                                                     CONTENTS

INSURING AGREEMENT. .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  . 1

GENERAL DEFINITIONS. .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  . 1

PART I - LIABILITY TO OTHERS
.  Insurng.Agreement. .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  . 2
.  Addtonal.Definton . .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  . 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. .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  . 6
.  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. .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  . 9
.  Addtonal.Defintons . .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  . 10
.  Exclusons. .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  . 11
.  Lmts.of.Lablty. .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  . 12
.  Other.Insurance . .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  . 13

PART IV - DAMAGE TO A VEHICLE
.  Insurng.Agreement.-.Collson.Coverage. .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  . 13
.  Insurng.Agreement.-.Comprehensve.Coverage. .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  . 14
.  Insurng.Agreement.-.Addtonal.Custom.Parts.or.Equpment.Coverage . . 14
.  Insurng.Agreement.-.Rental.Rembursement.Coverage . .  .  .  .  .  .  .  .  .  .  .  .  . 15
.  Insurng.Agreement -.Loan/Lease.Payoff.Coverage. .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  . 15
.  Addtonal.Defintons . .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  . 16
.  Exclusons. .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  . 16
.  Lmts.of.Lablty. .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  . 18
.  Payment.of.Loss. .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  . 19
.  No.Benefit.to.Balee . .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  . 19
.  Loss.Payable.Clause . .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  . 19
.  Other.Sources.of.Recovery.. .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  . 20
.  Apprasal. .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  . 20


                                                                                  
PART V - ROADSIDE ASSISTANCE COVERAGE
   Insurng.Agreement. .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  . 21
.  Addtonal.Defintons . .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  . 21
.  Exclusons. .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  . 21
   Unauthorzed.Servce.Provder. .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  . 22
.  Other.Insurance . .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  . 22

PART VI - DUTIES IN CASE OF AN ACCIDENT OR LOSS . .  .  .  .  .  .  .  .  .  .  .  .  . 22

PART VII - GENERAL PROVISIONS
.  Polcy.Perod.and.Terrtory . .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  . 23
.  Changes. .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  . 23
.  Duty.to.Report.Changes. .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  . 24
.  Settlement.of.Clams. .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  . 24
.                                                                                .
   Terms.of.Polcy.Conformed.to.Statutes.  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  . 24
   Transfer.of.Interest. .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  . 24
.  Fraud.or.Msrepresentaton. .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  . 24
.  Payment.of.Premum.and.Fees . .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  . 25
.  Cancellaton . .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  . 25
.  Cancellaton.Refund. .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  . 26
.  Nonrenewal. .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  . 27
                                          .
.. Automatc.Termnaton.  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  . 27
.. Legal.Acton.Aganst.Us . .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  . 27
.  Our.Rghts.to.Recover.Payment. .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  . 27
   Jont.and.Indvdual.Interests . .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  . 28
.  Bankruptcy . .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  . 28




                                                                                 
                               NEVADA 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.polcy’s.declarations page ..Your polcy.conssts.
of.the.polcy.contract,.your nsurance.applcaton,.the.declarations page,.and.all.en-
dorsements.to.ths.polcy .

                               GENERAL DEFINITIONS

The.followng.defintons.apply.throughout.the.polcy ..Defined.terms.are.prnted.n.bold-
face.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.per-
     od.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 .
.    A
     . n. 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.be-
     gn.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 d
     .  .. . esgned.for.operaton.prncpally.upon.publc.roads;
.    c .
     .  .. wth.at.least.four.wheels;.and
.    .  .. . th.a.gross.vehcle.weght.ratng.of.12,000.pounds.or.less,.accordng.to.the.
     d w
           manufacturer’s.specficatons .
.    H
     . owever,.“auto”.does.not.nclude.step-vans,.parcel.delvery.vans,.or.cargo.cut-
     away.vans.or.other.vans.wth.cabs.separate.from.the.cargo.area .
     “
3 .. .Auto business”.means.the.busness.of.sellng,.leasng,.reparng,.parkng,.stor-
     ng,.servcng,.delverng,.or.testng.vehcles .
     “
4 .. .Bodily injury”.means.bodly.harm,.sckness,.or.dsease,.ncludng.death.that.re-
     sults.from.bodly.harm,.sckness,.or.dsease .
     “
5 .. .Covered auto”.means:
.    .  .. any.auto or.trailer shown.on.the.declarations page for.the.coverages.appl-
     a .
           cable.to.that.auto or.trailer;
.    b .
     .  .. any.additional auto;
.    .  .. any.replacement auto;.or
     c .
.    d .
     .  .. a.trailer owned.by.you .
     .
6 .. “Declarations page”.means.the.document.showng.your.coverages,.lmts.of.la-
     blty,.covered autos,.premum,.and.other.polcy-related.nformaton ..The.declara-
     tions page.may.also.be.referred.to.as.the.Auto.Insurance.Coverage.Summary .
                                            1
      “
7 .. .Occupying”.means.n,.on,.enterng,.or.extng .
      “
8 .. .Property damage”.means.physcal.damage.to,.destructon.of,.or.loss.of.use.of,.
      tangble.property .
      “
9 .. .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.qual-
      fy.as.a.relative.f.they.ntend.to.contnue.to.resde.n.your household .
      “
10 .. .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.nsur-
      ance.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.dur-
      ng.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.Veh-
      cle,.such.coverage.may.be.added,.but.the.replacement auto.wll.have.no.cover-
      age.under.Part.IV.untl.you.notfy.us.of.the.replacement auto.and.ask.us.to.add.
      the.coverage .
      “
11 .. .Trailer”.means.a.non-motorzed.traler,.ncludng.a.farm.wagon.or.farm.mple-
      ment,.desgned.to.be.towed.on.publc.roads.by.an.auto.and.not.beng.used:
.     .  .. .or.commercal.purposes;
      a f
.     b a
      .  .. . s.an.office,.store,.or.for.dsplay.purposes;.or
.     c .
      .  .. as.a.passenger.conveyance .
      “
12 .. .We”,.“us”,.and.“our”.mean.the.underwrtng.company.provdng.the.nsurance,.as.
      shown.on.the.declarations page .
      .
13 .. “You”.and.“your”.mean:
         .
        a a   .person.shown.as.a.named.nsured.on.the.declarations page;.and
         .. t
        b .he.spouse.of.a.named.nsured.f.resdng.n.the.same.household.at.the.tme.
            of.the.loss .

                          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. be-
cause.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 .




                                           2
ADDITIONAL DEFINITION

When.used.n.ths.Part.I:
“Insured person”.means:
a .. . ou.or.a.relative wth.respect.to.an.accdent.arsng.out.of.the.ownershp,.mante-
     y
     nance,.or.use.of.an.auto or.trailer;
     a
b .. . ny.person.wth.respect.to.an.accdent.arsng.out.of.that.person’s.use.of.a.cov-
     ered 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
     a
d .. . ny.Addtonal.Interest.shown.on.the.declarations page.wth.respect.only.to.ts.l-
     ablty.for.the.acts.or.omssons.of.a.person.descrbed.n.a.or.b.above .

ADDITIONAL PAYMENTS

In.addton.to.our.lmt.of.lablty,.we.wll.pay.for.an.insured person:
     a
1 .. . ll.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.de-
     posted.n.court,.that.porton.of.the.judgment.whch.does.not.exceed.our.lmt.of.l-
     ablty ..Ths.does.not.apply.f.we.have.not.been.gven.notce.of.sut.or.the.opportu-
     nty.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;
     u
4 .. . p.to.$250.for.a.bal.bond.requred.because.of.an.accdent.resultng.n.bodily in-
     jury or.property damage.covered.under.ths.Part.I ..We.have.no.duty.to.apply.for.
     or.furnsh.ths.bond;.and
     r
5 .. .easonable.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 .. . odily injury.or.property damage.arsng.out.of.the.ownershp,.mantenance,.or.
     b
     use.of.any.vehcle.or.traler.whle.beng.used:
.    .  .. to.carry.persons.or.property.for.compensaton.or.a.fee;.or
     a .
.    b .
     .  .. for.retal.or.wholesale.delvery,.ncludng,.but.not.lmted.to,.the.pckup,.trans-
           port,.or.delvery.of.magaznes,.newspapers,.mal,.or.food .
.    .
     Ths.excluson.does.not.apply.to.shared-expense.car.pools;
     a
2 .. . ny.lablty.assumed.under.any.contract.or.agreement.by.you or.a.relative;
3 .. . odily injury.to.an.employee.of.that.insured person.arsng.out.of.or.wthn.the.
     b
     course.of.employment ..Ths.excluson.does.not.apply.to.domestc.employees.f.


                                             3
      benefits.are.nether.pad.nor.requred.to.be.provded.under.workers’.compensa-
      ton,.dsablty.benefits,.or.smlar.laws;
      .
4 .. bodily injury.or.property damage.arsng.out.of.an.accdent.nvolvng.any.ve-
      hcle.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 .. . odily injury or.property damage.resultng.from,.or.sustaned.durng.practce.or.
      b
      preparaton.for:
.     a
      .  . any   .pre-arranged.or.organzed.racng,.stuntng, speed,.or.demolton.contest.
            or.actvty;.or
.     .  .. . ny.drvng actvty.conducted.on.a.permanent.or.temporary.racetrack.or.race-
      b a
            course;
6 .. . odily injury or.property damage.due.to.a.nuclear.reacton.or.radaton;
      b
7 .. . odily injury or.property damage.for.whch.nsurance:
      b
.     a 
      .  .. .s.afforded.under.a.nuclear.energy.lablty.nsurance.contract;.or
.     b w
      .  .. . ould.be.afforded.under.a.nuclear.energy.lablty.nsurance.contract.but.for.
            ts.termnaton.upon.exhauston.of.ts.lmt.of.lablty;
      a
8 .. . ny.oblgaton.for.whch.the.Unted.States.Government.s.lable.under.the.Federal.
      Tort.Clams.Act;
9 .. . odily injury.or.property damage.caused.by.an.ntentonal.act.of.that.insured
      b
      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 .. . roperty damage. to. any. property. owned. by,. rented. to,. beng. transported. by,.
      p
      used.by,.or.n.the.charge.of.that insured person ..Ths.excluson.does.not.apply.
      to.a.rented.resdence.or.a.rented.garage;
11 .. . odily injury or.property damage.arsng.out.of.the ownershp,.mantenance,.or.
      b
      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;
12 .. . odily injury or.property damage.arsng.out.of.the.ownershp,.mantenance,.or.
      b
      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.pur-
      chased ..Ths.excluson.does.not.apply.to.your mantenance.or.use.of.such.veh-
      cle;
13 .. . odily injury.or.property damage.arsng.out.of.your or.a.relative’s use.of.a.ve-
      b
      hcle,.other.than.a.covered auto,.wthout.the.permsson.of.the.owner.of.the.veh-
      cle.or.the.person.n.lawful.possesson.of.the.vehcle;
      .
14 .. 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.exclu-
      son.does.not.apply.to.the.operaton.of.a.covered auto by.you.or.a.relative;
      p
15 .. . untve.or.exemplary.damages;.or
16 .. . odily injury.or.property damage.caused.by,.or.reasonably.expected.to.result.
      b
      from,.a.crmnal.act.or.omsson.of.that.insured person ..Ths.excluson.apples.re-
      gardless.of.whether.that.insured person.s.actually.charged.wth,.or.convcted.of,.
      a.crme ..For.purposes.of.ths.excluson,.crmnal.acts.or.omssons.do.not.nclude.
      traffic.volatons .


                                            4
LIMITS OF LIABILITY

 THE LIMIT OF LIABILITY SHOWN ON THE DECLARATIONS PAGE FOR
 LIABILITY COVERAGE IS THE MOST WE WILL PAY REGARDLESS OF
 THE NUMBER OF:
 1. CLAIMS MADE;
 2. COVERED AUTOS;
 3. INSURED PERSONS;
 4. LAWSUITS BROUGHT;
 5. VEHICLES INVOLVED IN THE ACCIDENT; OR
 6. PREMIUMS PAID .

 LIABILITY COVERAGE ON AUTOS INSURED BY US CANNOT BE ADDED,
 COMBINED OR STACKED TOGETHER.

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;
     s
2 .. . ubject.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
     t
3 .. .he.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 in-
jury.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.com-
panonshp,.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.per-
son.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 .


                                             5
FINANCIAL RESPONSIBILITY LAWS

When.we.certfy.ths.polcy.as.proof.of.financal.responsblty,.ths.polcy.wll.provde.
coverage.n.accordance.wth.and.subject.to.Chapter.485.of.the.Nevada.Revsed.Stat-
utes,.and.wll.comply.wth.the.law.to.the.extent.requred ..The.insured person must.re-
mburse.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.to-
tal.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 .

OUT-OF-STATE COVERAGE

If.an.accdent.to.whch.ths.Part.I.apples.occurs.n.any.state,.terrtory,.or.possesson.
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
1 .. . .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
     a
2 .. . .compulsory.nsurance.or.smlar.law.requrng.a.non-resdent.to.mantan.nsur-
     ance.whenever.the.non-resdent.uses.an.auto.n.that.state,.provnce,.terrtory,.or.
     possesson,.ths.polcy.wll.provde.the.greater.of:
.    a t
     .  .. .he.requred.mnmum.amounts.and.types.of.coverage;.or
.    .  .. .he.lmts.of.lablty.under.ths.polcy .
     b t

                     PART II - MEDICAL PAYMENTS COVERAGE

INSURING AGREEMENT

If.you.pay.the.premum.for.ths.coverage,.we.wll.pay.the.reasonable.expenses.n-
curred.for.necessary medical services.receved.wthn.three.years.from.the.date.of.a.
motor vehicle.accdent.because.of.bodily injury:
     s
1 .. . ustaned.by.an.insured person;.and
     .
2 .. caused.by.that.motor vehicle.accdent .

We,.or.someone.on.our.behalf,.wll.determne:
     w
1 .. . hether.the.expenses.for.medical services.are.reasonable;.and
     w
2 .. . hether.the.medical services.are.necessary .



                                              6
ADDITIONAL DEFINITIONS

When.used.n.ths.Part.II:
     .
1 .. “Insured person”.means:
.    a y
     .  .. . ou.or.a.relative:
              w
             (). . hle.occupying an.auto;.or
.    .      ( w
            .). . hen.struck.by.a.motor vehicle.or.a.traler.whle.not.occupying a.self-
                  propelled.motorzed.vehcle;.and
.    b a
     .  ... . ny.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.pub-
     lc.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:
     s
1 .. . ustaned. by. any. person. whle. occupying a. covered auto whle. t. s. beng.
     used:
.    .  .. .o.carry.persons.or.property.for compensaton.or.a.fee;.or
     a t
.    b f
     .  .. .or.retal.or.wholesale.delvery,.ncludng,.but.not.lmted.to,.the.pckup,.trans-
           port,.or.delvery.of.magaznes,.newspapers,.mal,.or.food .
.    .
     Ths.excluson.does.not.apply.to.shared-expense.car.pools;
     a
2 .. . rsng.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
.    .  .. . ny.drvng.actvty.conducted.on.a.permanent.or.temporary.racetrack.or.race-
     b a
           course;
     d
4 .. . ue.to.a.nuclear.reacton.or.radaton;
     f
5 .. .or.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;
     f
6 .. .or.whch.the.Unted.States.Government.s.lable.under.the.Federal.Tort.Clams.
     Act;
     s
7 .. . ustaned.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;
                                             7
      s
9 .. . ustaned.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;
      s
10 .. . ustaned.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;
      t
11 .. .o.you or.a.relative whle.occupying any.vehcle,.other.than.a.covered auto,.
      wthout.the.permsson.of.the.owner.of.the.vehcle.or.the.person.n.lawful.posses-
      son.of.the.vehcle;
      t
12 .. .o.any.person.whle.occupying.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;
      c
13 .. . aused.drectly.or.ndrectly.by:
.     .  .. . ar.(declared.or.undeclared).or.cvl.war;
      a w
.     b w
      .  .. . arlke.acton.by.any.mltary.force.of.any.government,.soveregn.or.other.au-
            thorty.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;.or
14 . caused    .by,.or.reasonably.expected.to.result.from,.a.crmnal.act.or.omsson.of.an.
      insured person ..Ths.excluson.apples.regardless.of.whether.the.insured per-
      son.s.actually.charged.wth,.or.convcted.of,.a.crme ..For.purposes.of.ths.exclu-
      son,.crmnal.acts.or.omssons.do.not.nclude.traffic.volatons .

LIMITS OF LIABILITY

 THE LIMIT OF LIABILITY SHOWN ON THE DECLARATIONS PAGE FOR
 MEDICAL PAYMENTS COVERAGE IS THE MOST WE WILL PAY FOR EACH
 INSURED PERSON INJURED IN ANY ONE ACCIDENT, REGARDLESS OF
 THE NUMBER OF:
 1. CLAIMS MADE;
 2. COVERED AUTOS;
 3. INSURED PERSONS;
 4. LAWSUITS BROUGHT;
 5. VEHICLES INVOLVED IN THE ACCIDENT;
 6. PREMIUMS PAID; OR
 7. POLICIES ISSUED BY US.

 IF YOU HAVE MORE THAN ONE VEHICLE INSURED BY US, WE WILL NOT
 PAY ANY INSURED PERSON MORE THAN THE SINGLE HIGHEST LIMIT OF
 MEDICAL PAYMENTS COVERAGE WHICH WE PROVIDE ON ANY ONE VEHI-
 CLE FOR AN ACCIDENT OR LOSS. MEDICAL PAYMENTS COVERAGE ON
 VEHICLES INSURED BY US CANNOT BE ADDED, COMBINED OR STACKED
 TOGETHER.


                                             8
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 .

UNREASONABLE OR UNNECESSARY MEDICAL EXPENSES

If.an.insured person ncurs.expenses.for.medical services that.we.deem.to.be.un-
reasonable.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.ex-
penses.for.medical services that.we deem.to.be.unreasonable.or.unnecessary,.we
wll.pay.any.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.ds-
puted.amount.to.the.medcal.servce provder.or.the.medcal.servce provder.has.nt-
ated.collecton.actvty.aganst.the.insured person for.the.unreasonable.or.unneces-
sary.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 oc-
cupying 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

If.you.pay.the.premum.for.ths.coverage,.we wll.pay.for.damages.that.an.insured
person.s.legally.enttled.to.recover.from.the.owner.or.operator.of.an.uninsured mo-
tor vehicle.or.an.underinsured motor vehicle because.of.bodily injury:
     s
1 .. . ustaned.by.an.insured person;
     c
2 .. . aused.by.an.accdent;.and
     a
3 .. . rsng.out.of.the.ownershp,.mantenance,.or.use.of.an.uninsured motor vehi-
     cle or.an.underinsured motor vehicle .


                                              9
Any.judgment.or.settlement.for.damages.aganst.an.owner.or.operator.of.an.unin-
sured motor vehicle or.underinsured motor vehicle that.arses.out.of.a.lawsut.
brought.wthout.our.wrtten.consent.s.not.bndng.on.us .

ADDITIONAL DEFINITIONS

When.used.n.ths.Part.III:
     .
1 .. “Insured person”.means:
.    a y
     .  .. . ou.or.a.relative,.except.when.occupying.a.vehcle,.other.than.a.covered
            auto,.wthout.the.express.or.mpled.permsson.of.the.owner;
         .. a
       b . ny.person.whle.operatng.a covered auto wth.the.permsson.of.you.or.a.
            relative;
.    c .
     .  .. any.person.occupying,.but.not.operatng,.a covered auto wth.the.express.
            or.mpled.permsson.of you or.a.relative;.and
.    d
     .  . any    .person.who.s.enttled.to.recover.damages.covered.by.ths.Part.III.be-
            cause.of.bodily injury.sustaned.by.a.person.descrbed.n.a,.b,.or.c.above .
     .
2 .. “Underinsured motor vehicle”.means.a.land.motor.vehcle.or.traler.of.any.type.to.
     whch.a.bodly.njury.lablty.bond.or.polcy.apples.at.the.tme.of.the.accdent,.but.the.
     lmt.of.lablty.for.bodly.njury.s.less.than.the.damages.that.an.insured person.s.
     enttled.to.recover.from.the.owner.or.operator.of.the.motor.vehcle.for.bodily injury .
.    .
     An.“underinsured motor vehicle”.does.not.nclude.any.vehcle.or.equpment:
.    a .
     .  .. owned.by.you.or.a.relative.or.furnshed.or.avalable.for.the.regular.use.of.
            you.or.a.relative;
.    b o
     .  .. . perated.on.rals.or.crawler.treads;
.    c d
     .  .. . esgned.manly.for.use.off.publc.roads,.whle.not.on.publc.roads;
.    d .
     .  .. whle.located.for.use.as.a.resdence.or.premses;
.    .  .. that.s.a.covered auto;
     e .
.    f      .
     . .. that.s.not.owned.by.you.or.a.relative,.and.for.whch.coverage.s.provded.un-
            der.Part.I.-.Lablty.To.Others;.or. .
.    g
     .  .. that.s.an.uninsured motor vehicle .
3 . “Uninsured motor vehicle”.means.a.land.motor.vehcle.or.traler.of.any.type:
.    .  .. to.whch.no.bodly.njury.lablty.bond.or.polcy.apples.at.the.tme.of.the.accdent;
     a .
.    b .
     .  .. to.whch.a.bodly.njury.lablty.bond.or.polcy.apples.at.the.tme.of.the.acc-
            dent,.but.the.bondng.or.nsurng.company:
.    .      ( .
            .). denes.coverage;.or
.    .      .). .s.nsolvent,.or.becomes.so.wthn.two.years.after.the.accdent;
            ( 
.    c .
     .  .. to.whch.a.bodly.njury.lablty.bond.or.polcy.apples.at.the.tme.of.the.acc-
            dent,.but.ts.lmt.of.lablty.for.bodly.njury.s.less.than.the.mnmum.lmt.of.l-
            ablty.for.bodly.njury.specfied.by.the.financal.responsblty.law.of.the.state.
            n.whch.the.covered auto.s.prncpally.garaged;
.    d .
     .  .. for.whch.there.s.not.avalable.at.the.department.of.motor.vehcles.wthn.60.
            days.of.the.accdent.evdence.of.financal.responsblty.as.requred.by.Chap-
            ter.485.of.the.Nevada.Revsed.Statutes;.or
.    .      t
     e .. .hat.s.a.ht-and-run.vehcle.whose.owner.or.operator.cannot.be.dentfied.and.
            whch.has.physcal.contact.wth:
.    .      ( .
            .). you.or.a.relative;
                                                10
.   .     .). . .vehcle.that.you.or.a.relative.are.occupying;.or
          ( a
.   .     .). . .covered auto;
          ( a
.   .     .
          provded.that.the.insured person,.or.someone.on.hs.or.her.behalf,.reports.
          the.accdent.to.the.polce.or.cvl.authorty.wthn.24.hours.or.as.soon.as.prac-
          tcable.after.the.accdent ..
.   A
    . n.“uninsured motor vehicle”.does.not.nclude.any.vehcle.or.equpment:
.   .  .. owned.by.you.or.a.relative.or.furnshed.or.avalable.for.the.regular.use.of.
    a .
          you.or.a.relative;
.   b o
    .  .. . wned.or.operated.by.a.self-nsurer.under.any.applcable.motor.vehcle.law,.
          except.a.self-nsurer.that.s.or.becomes.nsolvent;
.   c .
    .  .. owned.by.any.governmental.unt.or.agency;
.   .  .. . perated.on.rals.or.crawler.treads;
    d o
.   e .
    .  .. desgned.manly.for.use.off.publc.roads,.whle.not.on.publc.roads;
.   . .. whle.located.for.use.as.a.resdence.or.premses;
    f     .
.   .  .. that.s.a.covered auto;.or
    g .
.   .
    h ... that.s.an.underinsured motor vehicle .

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:
     t
1 .. .o.bodily injury.sustaned.by.any.person.whle.usng.or.occupying:
.    .  .. . .covered auto.whle.beng.used:
     a a
.    .           t
           (). .o.carry.persons.or.property.for.compensaton.or.a.fee;.or
.    .           f
           (). .or.retal.or.wholesale.delvery,.ncludng,.but.not.lmted.to,.the.pckup,.
                 transport,.or.delvery.of.magaznes,.newspapers,.mal,.or.food .
.    .     T
           . hs.excluson.apples.only.to.damages.n.excess.of.the.mnmum.lmt.man-
           dated.by.the.motor.vehcle.financal.responsblty.law.of.Nevada ..Ths.exclu-
           son.does.not.apply.to.shared-expense.car.pools;.or
.    .     a
     b .. . .motor.vehcle.that.s.owned.by.or.avalable.for.the.regular.use.of.you or.a.
           relative ..Ths.excluson.does.not.apply.to.a.covered auto that.s.nsured.un-
           der.ths.Part.III ..Ths.excluson.apples.only.to.damages.n.excess.of.the.mn-
           mum.lmt.mandated.by.the.motor.vehcle.financal.responsblty.law.of.Ne-
           vada;
     d
2 .. . rectly.or.ndrectly.to.benefit.any.nsurer.or.self-nsurer.under.any.of.the.followng.
     or.smlar.laws:
.    .  .. workers’.compensaton.law;.or
     a .
.    b .
     .  .. dsablty.benefits.law;
     t
3 .. .o.any.puntve.or.exemplary.damages;.or
     t
4 .. .o.bodily injury.sustaned.by.any.person.f.that.person.or.the.legal.representatve.
     of.that.person.settles.wthout.our.wrtten.consent .




                                             11
LIMITS OF LIABILITY

 THE LIMIT OF LIABILITY SHOWN ON THE DECLARATIONS PAGE FOR UN-
 INSURED/UNDERINSURED MOTORIST COVERAGE IS THE MOST WE WILL
 PAY REGARDLESS OF THE NUMBER OF:
 1. CLAIMS MADE;
 2. COVERED AUTOS;
 3. INSURED PERSONS;
 4. LAWSUITS BROUGHT;
 5. VEHICLES INVOLVED IN THE ACCIDENT;
 6. PREMIUMS PAID; OR
 7. POLICIES ISSUED BY US.

 IF YOU HAVE MORE THAN ONE VEHICLE INSURED BY US, WE WILL NOT PAY:
 1. YOU OR A RELATIVE MORE THAN THE SINGLE HIGHEST LIMIT OF UNIN-
     SURED/UNDERINSURED MOTORIST COVERAGE WE PROVIDE ON ANY
     ONE VEHICLE FOR AN ACCIDENT OR LOSS; OR
 2. ANY OTHER INSURED PERSON MORE THAN THE LIMIT OF LIABILITY
     SHOWN ON THE DECLARATIONS PAGE FOR THE COVERED AUTO OC-
     CUPIED BY THAT PERSON AT THE TIME OF THE ACCIDENT.

 UNINSURED/UNDERINSURED MOTORIST COVERAGE ON MORE THAN ONE
 VEHICLE CANNOT BE ADDED, COMBINED OR STACKED TOGETHER.

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;.and
     .
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 .

The.“each.person”.lmt.of.lablty.ncludes.the.total.of.all.clams.made.for.bodily inju-
ry to.an.insured person and.all.clams.of.others.derved.from.such.bodily injury,.n-
cludng,.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.a-
mount.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 .

In.determnng.the.amount.payable.under.ths.Part.III,.the.amount.of.damages.an.in-
sured person.s.enttled.to.recover.for.bodily injury.wll.be.reduced.by.all.sums:
     p
1 .. . ad.because.of.bodily injury.by.or.on.behalf.of.any.persons.or.organzatons.that.
     may.be.legally.responsble;
                                            12
     p
2 .. . ad.under.Part.I.-.Lablty.To.Others;.and
     p
3 .. . ad.or.payable.because.of.bodily injury.under.any.of.the.followng.or.smlar.
     laws:
.    a w
     .  .. . orkers’.compensaton.law;.or
.          d
     b .. . sablty.benefits.law,.coverage.or.polcy .

However,.n.no.event.wll.we pay.an.amount.exceedng.the.lmt.of.lablty.shown.on.
the.declarations page.for.Unnsured/Undernsured.Motorst.under.ths.Part.III .

Subject.to.the.lmts.of.lablty.under.ths.Part.III.-.Unnsured/Undernsured.Motorst.
Coverage,.the.maxmum.amount.we.wll.pay.for.damages.caused.by.the.owner or.op-
erator.of.an.underinsured motor vehicle.shall.be.no.more.than.the.amount.by.whch.
the.bodily injury damages.exceed.the.sum.of.all.applcable.lmts.of.lablty.avalable.
to.the.owner and.operator.of.the.underinsured motor vehicle ..If.an.insured person.
enters.nto.a.settlement.agreement.for.an.amount.less.than.the.sum.of.all.applcable.
lmts.of.lablty.for.bodly.njury, our lmt.of.lablty.for.Undernsured.Motorst.Coverage.
shall.not.exceed.the.dfference.between.the.damages.sustaned.by.the.insured per-
son and.the.sum.of.the.applcable.bodly.njury.lablty.lmts .

We.wll.not.pay.under.ths.Part.III.any.expenses.pad.or.payable.under.Part.II.-.Med-
cal.Payments.Coverage .

No.one.wll.be.enttled.to.duplcate.payments.for.the.same.elements.of.damages .

OTHER INSURANCE

If.there.s.other.applcable.unnsured.or.undernsured.motorst.coverage,.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.avalable.coverage.lmts ..However,.any.nsurance.we.provde.
wth.respect.to.a.vehcle.that.s.not.a.covered auto.wll.be.excess.over.any.other.un-
nsured.or.undernsured.motorst.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.accden-
tal.loss.to.a:
      .
1 .. covered auto,.ncludng.an.attached.trailer;.or
2 .. . on-owned auto;
      n
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 .



                                              13
INSURING AGREEMENT - COMPREHENSIVE COVERAGE

If.you.pay.the.premum.for.ths.coverage,.we.wll.pay.for.sudden,.drect,.and.accden-
tal.loss.to.a:
      .
1 .. covered auto,.ncludng.an.attached.trailer;.or
2 .. . on-owned auto;
      n
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;
     r
6 .. .ot.or.cvl.commoton;
     t
7 .. .heft.or.larceny;
     w
8 .. . ndstorm,.hal,.water,.or.flood;.or
     b
9 .. . reakage.of.glass.not.caused.by.collision .

In.addton,.we.wll.pay.for:
     r
1 .. .easonable.transportaton.expenses.ncurred.by.you f.a.covered auto s.stolen;.
     and
     l
2 .. .oss.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.addton-
al.benefits ..The.addtonal.benefit.for.transportaton.expenses.wll.not.apply.f.you.pur-
chased.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;
     w
2 .. . hen.the.auto has.been.recovered.and.repared;
     w
3 .. . hen.the.auto has.been.replaced;.or
     7
4 .. . 2.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.coverages ..Ths.cov-
erage.apples.n.addton.to.any.coverage.automatcally.provded.for.custom parts or
equipment.under.Comprehensve.Coverage.or.Collson.Coverage .
                                           14
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.for.whch.Rental.Rembursement.
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.coverages .

Addtonal.fees.or.charges.for.nsurance,.damage.wavers,.optonal.equpment,.fuel,.or.
accessores.are.not.covered .

Ths.coverage.s.lmted.to.the.each.day.lmt.shown.on.the.declarations page for a.
maxmum.of.30.days .

If.Rental.Rembursement.Coverage.apples,.no.other.coverage.under.ths.polcy.for.
rental.expenses.wll.apply .

Rental.charges.wll.be.rembursed.begnnng:
     w
1 .. . hen.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;
     w
2 .. . hen.the.covered auto.has.been.repared;
3 . when    .the.covered auto.has.been.replaced;
     7
4 .. . 2.hours.after.we.make.an.offer.to.settle.the.loss.f.the.covered auto s.deemed.
     by.us to.be.a.total.loss;.or..
     w
5 .. . hen.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.cover-
age.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:
     t
1 .. .he.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.un-
     der.a.wrtten.loan.or.lease.agreement.to.whch.the.covered auto.s.subject.at.the.
     tme.of.the.total.loss,.reduced.by:
.    .  .. . npad.finance.charges.or.refunds.due.to.the.owner.for.such.charges;
     a u
.    b e
     .  .. . xcess.mleage.charges.or.charges.for.wear.and.tear;
.    c .
     .  .. charges.for.extended.warrantes.or.refunds.due.to.the.owner.for.extended.
           warrantes;
.    d c
     .  .. . harges. for. credt. nsurance. or. refunds. due. to. the. owner. for. credt. nsur-
           ance;
                                               15
.   .  .. past.due.payments.and.charges.for.past.due.payments;.and
    e .
.   f     c
    . .. . ollecton.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.ob-
     ject .
     “
2 .. .Custom parts or equipment”.means.equpment,.devces,.accessores,.enhance-
     ments,.and.changes,.other.than.those.that.are.offered.by.the.manufacturer.specfi-
     cally.for.that.auto model,.or.that.are.nstalled.by.the.auto dealershp.as.part.of.the.
     orgnal.sale.of.a.new.auto,.that:
.    a a
     .  .. . re.permanently.nstalled.or.attached;.and
.    b a
     .  .. . lter.the.appearance.or.performance.of.the.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:
     t
1 .. .o.any.vehcle.whle.beng.used:
.    .     .
     a .. to.carry.persons.or.property.for.compensaton.or.a.fee;.or
.    .  .. for.retal.or.wholesale.delvery,.ncludng,.but.not.lmted.to,.the.pckup,.trans-
     b .
           port,.or.delvery.of.magaznes,.newspapers,.mal,.or.food .
.    .
     Ths.excluson.does.not.apply.to.shared-expense.car.pools;
     t
2 .. .o.a.non-owned auto.whle.beng.mantaned.or.used.by.a.person.whle.em-
     ployed.or.engaged.n.any.auto business;
     t
3 .. .o.any.vehcle.resultng.from,.or.sustaned.durng.practce.or.preparaton.for:
.    a a
     .  .. . ny.pre-arranged.or.organzed.racng,.stuntng,.speed,.or.demolton.contest.
           or.actvty;.or
                                              16
.     b a
      .  .. . ny.drvng.actvty.conducted.on.a.permanent.or.temporary.racetrack.or.race-
            course;
      t
4 .. .o.any.vehcle.for.whch.nsurance:
.     .  .. .s.afforded.under.a.nuclear.energy.lablty.nsurance.contract;.or
      a 
.     .  .. would.be.afforded.under.a.nuclear.energy.lablty.nsurance.contract.but.for.
      b .
            ts.termnaton.upon.exhauston.of.ts.lmt.of.lablty;
      t
5 .. .o.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.dffer-
      ent.than.that.whch.was.ntended.or.expected;. .
      t
6 .. .o.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;
      d
7 .. . ue.to.destructon.or.confiscaton.by.governmental.or.cvl.authortes.of.any.veh-
      cle.because.you.or.any.relative engaged.n.llegal.actvtes;
      t
8 .. .o.any.vehcle.that.s.due.and.confined.to:
.     a w
      .  .. . ear.and.tear;
.     b f
      .  .. .reezng;
.     c .
      .  .. mechancal,.electrcal,.or.electronc.breakdown.or.falure;.or
.     .  .. .oad.damage.to.tres .
      d r
.     T
      . hs.excluson.does.not.apply.f.the.damage.results.from.the.theft.of.a.vehcle;
      t
9 .. .o.portable.equpment,.devces,.accessores,.and.any.other.personal.effects.that.
      are.not.permanently.nstalled ..Ths.ncludes,.but.s.not.lmted.to:
.     a t
      .  .. .apes,.compact.dscs,.cassettes,.DVDs,.and.other.recordng.or.recorded.me-
            da;
.     .     a
      b .. . ny. case.or.other. contaner.desgned.for.use.n.storng. or. carryng. tapes,.
            compact.dscs,.cassettes,.DVDs,.or.other.recordng.or.recorded.meda;
.     .     a
      c .. . ny.devce.used.for.the.detecton.or.locaton.of.radar,.laser,.or.other.speed.
            measurng.equpment.or.ts.transmssons;.and
.     .     C
      d .. . B.rados,.telephones,.two-way.moble.rados,.DVD.players,.personal.com-
            puters,.personal.dgtal.assstants,.or.televsons;
      t
10 .. .o.any.vehcle.for.dmnuton of.value;
11 .. to.any.vehcle.caused.drectly.or.ndrectly.by:
.     a w
      .  .. . ar.(declared.or.undeclared).or.cvl.war;
.     b w
      .  .. . arlke.acton.by.any.mltary.force.of.any.government,.soveregn.or.other.au-
            thorty.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;.or
      .
12 .. 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 ..For.purposes.of.ths.exclu-
      son,.crmnal.acts.or.omssons.do.not.nclude.traffic.volatons .




                                            17
LIMITS OF LIABILITY

     T
1 .. . he.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;
.    .  ... the.amount.necessary.to.replace.the.stolen.or.damaged.property.reduced.by.
     b .
            the.applcable.deductble;
.    c .
     .  ... the.amount.necessary.to.repar.the.damaged.property.to.ts.pre-loss.cond-
            ton.reduced.by.the.applcable.deductble;.or
.    d t
     .  .. .he.Stated.Amount.shown.on.the.declarations page for.that.covered auto;
.    . owever,.the.most.we wll.pay.for.loss.to:
     H
.    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;
        .. a
       b . .trailer.s.the.lmt.of.lablty.shown.on.the.declarations page.for.that.trail-
            er ..If.the.trailer.s.not.shown.on.the.declarations page,.the.lmt.of.lablty.s.
            $500 .
     P
2 .. . ayments.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.cov-
            erage.applcable.to.any.covered.auto shown.on.the.declarations page .
.    b         .
     .  . Ifyou have.elected.a.Stated.Amount.for.a.covered auto,.the.Stated.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 equip-
            ment .
.    d I
     .  .. .n.determnng.the.amount.necessary.to.repar.damaged.property.to.ts.pre-
            loss.condton,.the amount.to.be.pad.by.us:
               w
              (). . ll.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
.    .      ( w
            .). . ll.be.based.on.the.cost.of.repar.or.replacement.parts.and.equpment.
                   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 .
.    e T
     .  .. . o.determne.the.amount.necessary.to.repar.or.replace.the.damaged.proper-
            ty.as.referred.to.n.subsecton.1,.the.total.cost.of.necessary.repar.or.replace-
            ment.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,.de-
            fects,.or.wear.and.tear.on.exteror.body.parts,.wndshelds.and.other.glass,.
                                              18
           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 .
.    f     .
     . .. To.determne.the.amount.necessary.to.repar.or.replace.the.damaged.proper-
           ty.as.referred.to.n.subsecton.1,.an.adjustment.may.be.made.for.betterment.
           or.deprecaton.and.physcal.condton.on:
.    .     ( .
           .). batteres;
.    .     ( t
           .). .res;
.    .     ( e
           .). . ngnes.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.re-
           placement.or.repar.of.these.parts .
.    g T
     .  .. . he.actual.cash.value.s.determned.by.the.market.value,.age,.and.condton.
           of.the.vehcle.at.the.tme.the.loss.occurs .
     N
3 .. . o.deductble.wll.apply.to.a.loss to.wndow.glass.when.the.glass.s.repared.n-
     stead.of.replaced .
     D
4 .. . uplcate.recovery.for.the.same.elements.of.damages.s.not.permtted .

PAYMENT OF LOSS

We may,.at.our opton:
     p
1 .. . ay.for.the.loss.n.money;.or
     r
2 .. .epar.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 .

NO BENEFIT TO BAILEE

Coverage.under.ths.Part.IV.wll.not.drectly.or.ndrectly.benefit.any.carrer.or.other.
balee.for.hre .

LOSS PAYABLE CLAUSE

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 ..At.our opton,.payment.may.be.made.to.both.jontly,.or.to.ether.
separately ..Ether.way, we wll.protect.the.nterest.of.both ..However,.f.the.covered au-
to s.not.a.total.loss,.we may.make.payment.to.you and.the.reparer.of.the.auto .

Protecton.of.the.lenholder’s.financal.nterest.wll.not.be.affected.by.any.act.or.oms-
son.by.any.person.enttled.to.coverage.under.ths.polcy ..However,.protecton.under.
ths.clause.does.not.apply:
     
1 .. .n.any.case.of.converson,.embezzlement,.secreton,.or.wllful.damagng.or.de-
                                             19
     structon,.of.the.covered auto.by.or.at.the.drecton.of.you,.a.relative,.or.the.own-
     er.of.the.covered auto;.or
     .
2 .. to.any.loss.caused.by,.or.reasonably.expected.to.result.from,.a.crmnal.act.or.
     omsson.of.you,.a.relative,.or.the.owner.of.the.covered auto ..Ths.apples.re-
     gardless.of.whether.you,.the.relative,.or.the.owner.of.the.covered auto.s.actual-
     ly.charged.wth,.or.convcted.of,.a.crme ..For.purposes.of.ths.clause,.crmnal.acts.
     or.omssons.do.not.nclude.traffic.volatons .

If.ths.polcy.s.cancelled,.nonrenewed,.or.voded,.the.nterest.of.any.lenholder.under.
ths.agreement.wll.also.termnate .

When.we.make.payment.to.a.lenholder.for.loss.under.ths.polcy,.we.wll.be.subrogat-
ed.to.the.rghts.of.the.party.we.pay,.to.the.extent.of.our.payment ..When.we.pay.a.len-
holder.for.a.loss.for.whch.you.are.not.covered,.we.are.enttled.to.the.lenholder’s.rght.
of.recovery.aganst.you.to.the.extent.of.our.payment ..Our rght.to.subrogaton.wll.not.
mpar.the.lenholder’s.rght.to.recover.the.full.amount.of.ts.clam .

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.applca-
ble.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;
      a
2 .. . ny.other.applcable.physcal.damage.nsurance;.and
      a
3 .. . ny.other.source.of.recovery.applcable.to.the.loss .

APPRAISAL

If.we.cannot.agree.wth.you.on.the.amount.of.a.loss,.then.we.and.you.may.agree.to.
an.ndependent.apprasal.of.such.loss ..Wthn.30.days.of.such.agreement,.each.par-
ty.shall.appont.a.competent.appraser.and.shall.notfy.the.other.party.of.that.appras-
er’s.dentty ..The.apprasers.wll.determne.the.amount.of.loss ..If.they.fal.to.agree,.the.
dsagreement.wll.be.submtted.to.a.qualfied.umpre.chosen.by.the.apprasers . If.the.
two.apprasers.are.unable.to.agree.upon.an.umpre.wthn.15.days,.we.or.you.may.re-
quest.that.a.judge.of.a.court.of.record,.n.the.county.where.you resde,.select.an.um-
pre ..The.apprasers.and.umpre.wll.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.appraser’s.fees.and.expenses ..We.wll.pay.our.appraser’s.fees.and.ex-
penses ..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 .




                                             20
                 PART V - ROADSIDE ASSISTANCE COVERAGE

INSURING AGREEMENT

If.you.pay.the.premum.for.ths.coverage,.we wll.pay.for.our.authorzed.servce.represen-
tatve.to.provde.the.followng.servces.when.necessary.due.to.a.covered emergency:
     t
1 .. .owng.of.a covered disabled auto to.the.nearest.qualfied.repar.faclty;.and
     l
2 .. .abor.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.re-
par.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 m
     .  .. . echancal.or.electrcal.breakdown;
.    b b
     .  .. . attery.falure;
.    .  .. .nsufficent.supply.of.fuel,.ol,.water,.or.other.flud;
     c 
.    d .
     .  .. flat.tre;
.    e .
     .  .. lock-out;.or
.    . .. . ntrapment.n.snow,.mud,.water,.or.sand,.wthn.100.feet.of.a.road.or.hghway .
     f     e

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:
      t
1 .. .he.cost.of.purchasng.parts,.flud,.lubrcants,.fuel,.or.replacement.keys,.or.the.la-
      bor.to.make.replacement.keys;
      
2 .. .nstallaton.of.products.or.materal.not.related.to.the.dsablement;
      l
3 .. .abor.not.related.to.the.dsablement;
      l
4 .. .abor.on.a.covered disabled auto for.any.tme.perod.n.excess.of.60.mnutes.per.
      dsablement;
      t
5 .. .owng.or.storage.related.to.mpoundment,.abandonment,.llegal.parkng,.or.other.
      volatons.of.law;
      a
6 .. . ssstance.wth.jacks,.levelers,.arbags,.or.awnngs;
      t
7 .. .owng.from.a.servce.staton,.garage,.or.repar.shop;
      .
8 .. labor.or.repar.work.performed.at.a.servce.staton,.garage,.or.repar.shop;
      a
9 .. . uto.storage.charges;
      a
10 .. . .second.servce.call.or.tow.for.a.sngle.dsablement;
      d
11 .. . sablement.that.occurs.on.roads.not.regularly.mantaned,.sand.beaches,.open.
      fields,.or.areas.desgnated.as.not.passable.due.to.constructon,.weather,.or.earth.
      movement;
                                           21
      m
12 .. . ountng.or.removng.of.snow.tres.or.chans;
      t
13 .. .re.repar;
      r
14 .. .epeated.servce.calls.for.a covered disabled auto.n.need.of.routne.mante-
      nance.or.repar;
15 . d  sablement.that.results.from.an.ntentonal.or.wllful.act.or.acton.by.you,.a.rela-
      tive, 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.asss-
tance.and.towng.servces,.other.than.one.of.our.authorzed.servce.representatves,.
we.wll.pay.only.reasonable.charges,.as.determned.by.us,.for:
     t
1 .. .owng.of.a covered disabled auto to.the.nearest.qualfied.repar.faclty;.and
     l
2 .. .abor.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.ser-
vce.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.or.
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.ad-
dresses.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.ve-
hcle.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 .

A.person.seekng.coverage.must:
     c
1 .. . ooperate.wth.us.n.any.matter.concernng.a.clam.or.lawsut;
     p
2 .. . rovde.any.wrtten.proof.of.loss.we.may.reasonably.requre;
     a
3 .. . llow.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.seekng.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;
                                            22
     a
5 .. . ttend.hearngs.and.trals.as.we.requre;
     t
6 .. .ake.reasonable.steps.after.a.loss.to.protect.the.covered auto,.or.any.other.ve-
     hcle.for.whch.coverage.s.sought,.from.further.loss ..We.wll.pay.reasonable.ex-
     penses.ncurred.n.provdng.that.protecton ..If.falure.to.provde.such.protecton.
     results.n.further.loss,.any.addtonal.damages.wll.not.be.covered.under.ths.pol-
     cy;
     a
7 .. . llow.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;
     s
8 .. . ubmt.to.medcal.examnatons.at.our.expense.by.doctors.we.select.as.often.as.
     we.may.reasonably.requre;.and
     a
9 .. . uthorze.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.cov-
ered auto.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.s-
sued.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.s-
sued.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.rel-
ative.obtanng.a.drver’s.lcense.or.operator’s.permt,.or.changes.n:
     t
1 .. .he.number,.type,.or.use.classficaton.of.covered autos;
     o
2 .. . perators.usng.covered autos;
     a
3 .. . n.operator’s.martal.status;
     t
4 .. .he.place.of.prncpal.garagng.of.any.covered auto;
     c
5 .. . overage,.deductbles,.or.lmts.of.lablty;.or
     r
6 .. .atng.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.
                                              23
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 .. . our.malng.or.resdence.address.changes;
     y
     t
2 .. .he.prncpal.garagng.address.for.a.covered auto.changes;
     t
3 .. .here.s.a.change.wth.respect.to.the.resdents.n.your household.or.the.persons.
     who.regularly.operate.a.covered auto;
     a
4 .. . n.operator’s.martal.status.changes;.or
5 .. . ou.or.a.relative.obtan.a.drver’s.lcense.or.operator’s.permt .
     y

SETTLEMENT OF CLAIMS

We.may.use.estmatng,.apprasal,.or.njury.evaluaton.systems.to.assst.us.n.adjustng.
clams.under.ths.polcy.and.to.assst.us.n.determnng.the.amount.of.damages,.expens-
es,.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

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 .

TRANSFER OF INTEREST

The.rghts.and.dutes.under.ths.polcy.may.not.be.transferred.to.another.person.wth-
out.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.le-
gal.representatve.of.the.named.nsured,.whle.actng.as.such,.and.for.persons.cov-
ered.under.ths.polcy.on.the.date.of.the.named.nsured’s.death .

FRAUD OR MISREPRESENTATION

Ths.polcy.was.ssued.n.relance.upon.the.nformaton.provded.on.your nsurance.
applcaton ..We.may.vod.ths.polcy.at.any.tme,.ncludng.after.the.occurrence.of.an.
accdent.or.loss,.f.you:
     m
1 .. . ade.ncorrect.statements.or.representatons.to.us wth.regard.to.any.materal.
     fact.or.crcumstance;
                                            24
      c
2 .. . oncealed.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.dam-
ages.that.would.otherwse.be.covered ..However,.f.we.vod.ths.polcy,.ths.shall.not.af-
fect.coverage.under.Part.I.-.Lablty.To.Others.up.to.the.mnmum.lablty.nsurance.lm-
ts.requred.by.the.financal.responsblty.law.of.the.state.shown.on.your.applcaton.as
your.resdence.f.the.accdent.occurs.before.we.notfy.the.named.nsured.that.the.pol-
cy.s.vod ...No.payment.wll.be.made.to.any.person.who.engages.n.fraudulent.conduct ..
If.we.vod.ths.polcy, you must.remburse.us.f.we.make.a.payment .

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.en-
gaged.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.sm-
lar.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 ..Ths.means.we wll.not.be.lable.under.
ths.polcy.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.perod.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.perod.by.malng.a.notce.of.cancellaton.
to.the.named.nsured.shown.on.the.declarations page.at.the.last.known.address.ap-
pearng.n.our.records .

We.wll.gve.at.least.10.days.notce.of.cancellaton.f:
1 .. we cancel.durng.the.first.69.days.of.the.ntal.polcy.perod;.or
2 .. the.polcy.s.cancelled.for.nonpayment.of.premum .

We.wll.gve.at.least.30.days.notce.of.cancellaton.n.all.other.cases .


                                            25
We.may.cancel.ths.polcy.for.any.reason.f.the.notce.s.maled wthn.the.first.69.days.
of.the.ntal.polcy.perod .

After.ths.polcy.s.n.effect.for.at.least.70.days,.or.f.ths.s.a.renewal.or.contnuaton.pol-
cy,.we.may.cancel.only.for.one.or.more.of.the.followng.reasons:
      n
1 .. . onpayment.of.premum;
      m
2 .. . ateral.msrepresentaton.or.fraud.by.you.wth.respect.to.any.materal.fact.n.the.
      procurement.or.renewal.of.ths.polcy;
      m
3 .. . ateral.msrepresentaton.or.fraud.n.the.submsson.of.a.clam.under.ths.pol-
      cy;
4 .. . our.place.of.resdence.or.the.state.of.regstraton.or.lcense.of.a covered auto
      y
      s.changed.to.a.state.or.country.n.whch.we.do.not.accept.applcatons.for.the.n-
      surance.provded.by.ths.polcy;
      t
5 ... .he.named.nsured.shown.on.the.declarations page.s.convcted.of.a.crme.ars-
      ng.out.of.acts.ncreasng.the.hazard.nsured.aganst;
      .
6 .. we dscover.an.act.or.omsson,.or.a.volaton.of.a.condton.of.the.polcy,.that.oc-
      curred.durng.the.polcy.perod.that.substantally.and.materally.ncreased.the.haz-
      ard.nsured.aganst.by.us;
      .
7 .. a.materal.change.n.the.nature.or.extent.of.the.rsk.that.occurred.durng.the.polcy.
      perod.that.causes.the.rsk.of.loss.to.be.substantally.and.materally.ncreased.be-
      yond.that.contemplated.at.the.tme.the.polcy.was.ssued.or.last.renewed;.or
      a
8 .. . .determnaton.by.the.Commssoner.of.Insurance.that.contnuaton.of.the.polcy.
      would.volate.one.or.more.provsons.of.the.Nevada.Insurance.Code,.would.jeop-
      ardze.our.solvency,.or.would.be.hazardous.to.the.nterests.of.polcyholders,.cred-
      tors,.or.the.publc .

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.cancel-
laton.wll.be.effectve.for.all.coverages.for.all.persons.and.all.vehcles .

CANCELLATION REFUND

Upon.cancellaton,.you.may.be.enttled.to.a.premum.refund ..However,.our.makng.or.
offerng.of.a.refund.s.not.a.condton.of.cancellaton .

If.you.request.cancellaton.of.ths.polcy.durng.the.ntal.polcy.perod,.or.f.the.polcy.s.
cancelled.for.nonpayment.of.premum.durng.the.ntal.polcy.perod,.any.refund.due.wll.
be.computed.on.a.90%.of.a.daly.pro.rata.bass ..Ths.s.a.daly,.accelerated.method.of.
calculatng.short-rate.earned.premum.on.cancellatons ..Earned.premum.s.calculated.
on.a.daly.bass ..We.wll.supply.a.copy.of.the.table.to.you.on.request .

If.we.cancel.ths.polcy.durng.the.ntal.polcy.perod.for.any.reason.other.than.nonpay-
ment.of.premum,.or.f.ths.polcy.s.cancelled.by.ether.you.or.us.durng.any.renewal.
perod,.any.refund.due.wll.be.computed.on.a.daly.pro.rata.bass .


                                              26
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 ..How-
ever,.we.have.no.duty.to.provde.notce.of.nonrenewal.f.you have.obtaned.other.n-
surance.for.the.covered auto .

AUTOMATIC TERMINATION

If.we.or.an.affilate.offers.to.renew.or.contnue.ths.polcy.and.you.or.your.represen-
tatve.does.not.accept,.ths.polcy.wll.automatcally.termnate.at.the.end.of.the.current.
polcy.perod ..Falure.to.pay.the.requred.renewal.or.contnuaton.premum.when.due.
wll.mean.that.you.have.not.accepted.our.offer .

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.n-
surance .

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.effec-
tve.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.l-
ablty.of.an nsured.person .

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 re-
qure.to.help.us.exercse.those.recovery.rghts,.and.do.nothng.after.an.accdent.or.
loss.to.prejudce.those.rghts ..However,.we.may.not.exercse.such.rghts.of.recovery.
for.any.payment.made.under:
     P
1 .. . art.II.-.Medcal.Payments.Coverage;.or
                                             27
     P
2 .. . art.III.-.Unnsured/Undernsured.Motorst.Coverage.for.an.accdent.nvolvng.an.
     underinsured motor vehicle .
In.the.event.of.any.payment.under.Part.III.-.Unnsured/Undernsured.Motorst.Cover-
age.for.an.accdent.nvolvng.an.uninsured motor vehicle,.we.are.enttled.to.the.pro-
ceeds.of.any.settlement.or.recovery.from.any.person.legally.responsble.for.the.bodily
injury.for.whch.payment.was.made,.and,.f.applcable,.to.amounts.recoverable.from.
the.assets.of.an.nsolvent.nsurer.of.the.other.motor.vehcle .

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 ..We.are.enttled.to.rembursement.as.provded.n.ths.
secton.regardless.of.whether.the.total.amount.of.the.recovery.of.the.nsured.person.
on.account.of.the.njury.s.less.than.the.actual.loss.suffered.by.the.nsured.person ..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.
person’s.rght.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.oblga-
ton.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.also.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.based.on.the.proporton.that.the.actual.re-
covery.bears.to.the.total.of.our.payment.and.the.deductble ..A.proportonate.share.
of.collecton.expenses.and.attorney.fees.ncurred.n.connecton.wth.these.recovery.
efforts.wll.also.reduce.rembursement.of.the.deductble .

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 .

BANKRUPTCY

The.bankruptcy.or.nsolvency.of.an.nsured.person.wll.not.releve.us.of.any.oblga-
tons.under.ths.polcy .
                                           28
                                                                                                             Policy number: xxxxxxxx-x
                                                                                                                            xxxxx xxxx
                                                                                                                            xxxxx xxxx
                                                                                                                           Page x of x
Trailer Contents Coverage Endorsement
          If you pay the premium for Trailer Contents Coverage, the following coverage is added to your policy:
          Trailer Contents Coverage
          Insuring Agreement - Trailer Contents Coverage
          Subject to the Limits of Liability, if you pay the premium for Trailer Contents Coverage, we will pay for a covered
          loss to personal effects and non-owned personal effects which occurs while those items are located inside the
          covered trailer.
          Additional Definitions
          When used in this Trailer Contents Coverage, whether in the singular, plural, or possessive:
          1. "Covered loss" means a loss caused by one or more of the perils listed under the Covered Loss provision of this
             Trailer Contents Coverage.
          2. "Non-owned personal effects" means any personal property not owned by you or a relative, which is
             lawfully in the possession of you or a relative, other than:
             a. self-propelled vehicles or watercraft;
             b. deeds, documents, records, bills, money, coin collections, stamp collections, negotiable instruments, notes,
                 securities, or other evidence of debt;
             c. any property used in a business;
             d. any property held for rental to others by you or a relative;
             e. any property of your employees; and
             f. birds, livestock, or any other animals.
          3. "Personal effects" means any personal property owned by you or a relative other than:
              a.   watercraft, golf carts or other self-propelled vehicles, except electric wheelchairs or other self-propelled
                   vehicles that are:
                   (i) designed for assisting the physically impaired;
                   (ii) designed to operate off of the public roads; and
                   (iii) are not subject to motor vehicle registration;
              b.   deeds, documents, records, bills, money (other than coin collections), negotiable instruments, notes,
                   securities, or other evidence of debt;
              c.   any property used in a business, except personal effects transported, stored, or carried in the covered
                   trailer if you have paid the additional premium for artisan use;
              d.   any property held for rental to others by you or a relative; and
              e.   birds, livestock, or any other animals.

          4. "Covered trailer" means a non-motorized trailer, including a farm wagon or farm implement, that is:
              a. designed to be towed on public roads by a land motor vehicle; and
              b. shown on the Declarations Page for which this Trailer Contents Coverage has been purchased;
              but that is not used:
              a. for commercial or business purposes, unless you have paid the additional premium for covered trailer
                   artisan use;
              b. as a primary residence;
              c. as a premises for office, store or display purposes; or
              d. as a passenger conveyance.
                                                                                                      Policy number: xxxxxxxx-x
                                                                                                                     xxxxx xxxx
                                                                                                                     xxxxx xxxx
                                                                                                                    Page x of x
Covered Loss
A covered loss under this Trailer Contents Coverage must be caused by one or more of the following perils, except
as excluded:
1. fire or lightning;
2. explosion, smoke or charring;
3. windstorm, hail, earthquake, earth movement, volcanic explosion, lava flow, landslide, flood, rain, snow, sand,
    sleet or dust. However, this does not include loss to items in the covered trailer caused by rain, snow, sand,
    sleet or dust unless the covered trailer is first damaged by a direct, accidental force, creating an opening
    through which the rain, snow, sand, sleet or dust enters;
4. riot or civil commotion;
5. vandalism, except when caused by, or at the direction of, you or a relative;
6. aircraft or missiles;
7. objects falling on the covered trailer;
8. sudden impact caused by an animal;
9. any loss to personal effects or non-owned personal effects, if caused by a loss to the covered trailer for
    which Comprehensive Coverage or Collision Coverage is provided under Part IV – Damage To A Vehicle; or
10. theft of personal effects or non-owned personal effects.
Exclusions - Read the following exclusions carefully. If an exclusion applies, coverage will not be
provided under this trailer contents coverage.
Coverage under this Trailer Contents Coverage does not apply for loss:
1. caused by birds, vermin, rodents, insects or other animals. However, this exclusion does not apply when a bird
   or other animal causes a loss by collision or sudden impact;
2. for diminution of value;
3. that is confined to scorching, marring, scratching or breakage that is not a result of a covered loss;
4. caused by an intentional act of you or a relative or at the direction of you or a relative;
5. sustained while the covered trailer is being used to carry persons or property for compensation or a fee,
   including, but not limited to, delivery of magazines, newspapers, food, or any other products;
6. arising out of or related to a business. This exclusion does not apply to personal effects transported, stored,
   or carried in a covered trailer if you have paid the additional premium for artisan use. However, no coverage
   will be provided if a business is being conducted in your covered trailer;
7. resulting in, arising out of or related to any of the following:
   a. consequential damages;
   b. the cost of recreating any records or documentation; or
   c. business interruption;
8. that is due and confined to:
   a. wear and tear;
   b. prior loss or damage;
   c. manufacturing defects;
   d. improper or lack of routine maintenance, or failure to perform maintenance as prescribed by the
         manufacturer;
   e. contamination or pollutants, including, but not limited to, any:
         (i) solid, liquid, gaseous, bacterial, organic, or thermal irritant or contaminant;
         (ii) smoke, vapor, soot, or fumes;
         (iii) acids, alkalis, chemicals, or metals, including, but not limited to, lead or any material containing lead;
         (iv) poisons;
         (v) sewage or waste, including materials to be recycled, reconditioned or reclaimed;
         (vi) substances, including, but not limited to, asbestos or any material containing asbestos;
         (vii) odors; or
                                                                                                   Policy number: xxxxxxxx-x
                                                                                                                  xxxxx xxxx
                                                                                                                  xxxxx xxxx
                                                                                                                 Page x of x
         (viii) compounds;
                even if now or previously recognized as having a safe or useful purpose. This includes residential,
                recreational, work-site, and commercial pollution or contamination;
    f. freezing;
    g. gradual accumulation of snow or ice;
    h. scorching, marring, scratching, or breakage of property. However, this exclusion does not apply to
         scorching, marring, scratching or breakage caused by malicious mischief, vandalism, riot, civil commotion,
         fire, or lightning, or other covered loss; or
    i. mechanical or electrical breakdown or failure.
    This exclusion does not apply if the loss results from theft;
9. caused directly or indirectly by any of the following:
    a. mold, mildew or fungus, including any type or form of:
         (i) decomposing or disintegrating organic material or microorganism;
         (ii) organic surface growth on moist, damp, or decaying matter;
         (iii) yeast or spore-bearing plant-like organism; or
         (iv) spores, scents, toxins, bacteria, viruses, or any other by-products produced or released by any mold,
                mildew, fungus, or other microbes;
    b. water leakage or seepage unless occurring contemporaneously with, and due to, a covered loss;
    c. wet or dry rot;
    d. rust or corrosion;
    e. dampness of atmosphere or extremes of temperature; or
    f. deterioration;
    regardless of any other cause or event contributing concurrently or in any sequence to the loss; or
10. caused by the order of any governmental or civil authority to destroy, confiscate or seize any property otherwise
    covered under this Trailers Contents Coverage because you or any relative engaged in illegal activities.
Limits Of Liability
1. Payments for loss covered under this Trailer Contents Coverage:
    a.   are subject to a deductible, as shown on the Declarations Page, that shall apply to each loss. However,
         no deductible shall apply under this Trailers Contents Coverage if you have incurred a deductible under Part
         IV - Damage To A Vehicle for the trailer in the same loss; and
    b.   shall be reduced by the property's salvage value if we allow you to retain the salvage.
2. The aggregate limit of liability for loss to personal effects will be the lowest of:
    a.   the amount shown on the Declarations Page for Trailer Contents Coverage;
    b.   the cost of repairing the item or items;
    c.   the cost of replacing the item or items;
    d.   $500 per item; or
    e.   the applicable group limit set forth below.
3. Subject to the aggregate limit of liability shown on the Declarations Page for Trailer Contents Coverage, we
   will pay no more than $1,000 for loss to any group of personal effects from the following groups:
    a.   travel tickets, passports, and manuscripts;
    b.   coin collections and equipment, and stamp collections and collecting supplies;
    c.   trading cards, sports memorabilia, comic books, and other collectibles;
    d.   all cameras and equipment used with cameras;
    e.   jewelry, watches, gems, precious and semiprecious stones, art, heirlooms, antiques and furs (including any
         article containing fur which represents its principal value); or
    f.   non-motorized recreational equipment, firearms, firearm related equipment, ammunition and fishing, golf
         and skiing equipment.
                                                                                                           Policy number: xxxxxxxx-x
                                                                                                                          xxxxx xxxx
                                                                                                                          xxxxx xxxx
                                                                                                                         Page x of x
4. Subject to the aggregate limit of liability shown on the Declarations Page for Trailer Contents Coverage, we
   will pay no more than $3,000 for loss to any group of personal effects from the following groups:
      a.    electronic data processing system equipment, including, but not limited to, personal computers, monitors,
            printers, word processors, data media used for personal purposes and the recording or storage media used
            with that equipment;
      b.    devices or instruments for the transmitting, recording, receiving or reproduction of sound or pictures that are
            not permanently installed in the covered trailer, including accessories and antennas, tapes, wires, records,
            disks or other media for use with any such device or instrument;
      c.    silverware, silver-plated ware, goldware, gold-plated ware, fine china, crystal, and pewterware including,
            but not limited to, flatware, hollowware, tea sets, trays and trophies made of or including silver, gold or
            pewter; or
      d.    tools.
5. Subject to the limit of liability shown on the Declarations Page for Trailer Contents Coverage, for loss to non-
   owned personal effects, we will pay the lesser of:
      a.    the aggregate of $500 per loss to non-owned personal effects;
      b.    the cost of repairing the item or items; or
      c.    the cost of replacing the item or items.
6. Subject to all other applicable Limits of Liability, our limit of liability for loss to part of a pair or set, series of
   objects, pieces or panels is the lowest of:
      a. the cost to repair or replace the part that restores the set to its appearance and function before the loss;
      b. the difference between the actual cash value of the set before the loss and after the loss; or
      c. the cost of a substitute part that reasonably matches the rest of the set.
      We have no obligation to replace the entire set if only part is lost or damaged.
7. No one will be entitled to duplicate payment for the same elements of loss.
Payment Of Loss
At our expense, we may return any recovered stolen property to you or to the address shown on the Declarations
Page, with payment for any damage resulting from the theft. We may keep all or part of the property at the agreed
or appraised value. We may settle any loss with you or the owner or lien holder of the property. We may make
payment for a partial loss covered under this Trailer Contents Coverage directly to the repair facility with your
consent.
No Benefit To Bailee
Coverage under this Trailer Contents Coverage will not directly or indirectly benefit any carrier or other bailee for hire.
Appraisal
If we cannot agree with you on the amount of a loss, then the amount of loss may be determined by independent
appraisal if we and you agree. If we and you agree to an independent appraisal of the loss, each party shall
appoint a competent and impartial appraiser. The appraisers will determine the amount of loss. If they fail to agree,
the disagreement will be submitted to a qualified and impartial umpire chosen by the appraisers. If the two
appraisers are unable to agree upon an umpire within fifteen (15) days, we or you may request that a judge of a
court of record, in the county where you reside, select an umpire. The appraisers and umpire will determine the
amount of loss. The amount of loss agreed to by both appraisers, or by one appraiser and the umpire, will be
binding. You will pay your appraiser's fees and expenses. We will pay our appraiser's fees and expenses. Payment
of the umpire and all other expenses of the appraisal will be shared equally between us and you. Neither we nor
you waive any rights under this policy by agreeing to an appraisal.
All other terms, limits and provisions of this policy remain unchanged.
Form 5863 NV (10/06)
                                                                                                            Policy number: xxxxxxxx-x
                                                                                                                           xxxxx xxxx
                                                                                                                           xxxxx xxxx


Trailer Comprehensive/Collision Coverage Endorsement
           If you pay the premium for Comprehensive/Collision Coverage for a covered trailer, your policy is amended as
           follows:
           1.   In determining whether coverage applies to a covered trailer under Part IV – Damage To A Vehicle, artisan
                use of a covered trailer will not be considered a business purpose if you have paid the additional premium
                for artisan use of that covered trailer.
           2.   If you have purchased coverage for a covered trailer, but have not purchased that same coverage for a
                covered auto, coverage will be provided under Part IV – Damage To A Vehicle for loss to a covered trailer
                but no coverage will be provided under Part IV – Damage To A Vehicle for loss to any auto.
           3.   The following Additional Definition is added:
                “Covered trailer” means a trailer shown on the declarations page for which this Comprehensive/
                Collision Coverage has been purchased.
           4.   The following Exclusions are added:
                Coverage under Part IV – Damage To A Vehicle will not apply for loss to a covered trailer:
                (1) other than impact loss caused by birds, vermin, rodents, insects or other animals;
                (2) that is due and confined to:
                       a.    prior loss or damage;
                       b. manufacturing defects;
                       c.    improper or lack of routine maintenance, or failure to perform maintenance as prescribed by the
                             manufacturer;
                       d. contamination or pollutants, including, but not limited to, any:
                             (i)    solid, liquid, gaseous, bacterial, organic, or thermal irritant or contaminant;
                             (ii) smoke, vapor, soot, or fumes;
                             (iii) acids, alkalis, chemicals, or metals, including, but not limited to, lead or any material
                                    containing lead;
                             (iv) poisons;
                             (v) sewage or waste, including materials to be recycled, reconditioned or reclaimed;
                             (vi) substances, including, but not limited to, asbestos, silica or any material containing asbestos
                                    or silica;
                             (vii) odors; or
                             (viii) compounds;
                             even if now or previously recognized as having a safe or useful purpose. This includes residential,
                             recreational, work-site, and commercial pollution or contamination;
                       e.    gradual accumulation of snow or ice; or
                       f.    scorching, marring, scratching, or breakage of internal equipment or furnishings whether
                             permanently attached or not. This exclusion does not apply to:
                             (i)    scorching, marring, scratching or breakage caused by malicious mischief, vandalism, riot,
                                    civil commotion, fire, or lightning; or
                             (ii) breakage of glass that is permanently a part of or attached to the covered trailer;
                       This exclusion does not apply if the damage results from the theft of a covered trailer; or
                (3) caused directly or indirectly by any of the following:
                       a.    water leakage or seepage unless occurring contemporaneously with, and due to, a loss;
                       b. wet or dry rot;
                       c.    rust or corrosion;
                       d. dampness of atmosphere or extremes of temperature; or
                       e.    deterioration;
                        regardless of any other cause or event contributing concurrently or in any sequence to the loss.
                                                                                                      Policy number: xxxxxxxx-x
                                                                                                                     xxxxx xxxx
                                                                                                                     xxxxx xxxx
                The exclusions listed above shall apply only to the amount of loss that exceeds $500 if:
                (1) the coverage you have purchased for loss to the covered trailer has also been purchased for loss
                     to a covered auto; and
                (2) the loss excluded above for a covered trailer is a loss that would otherwise be covered under
                     your policy.
5.     The following provisions are added to the Limits of Liability section in Part IV – Damage To A Vehicle:
       No deductible will apply to the first $500 of loss to a covered trailer if the coverage you have purchased for
       loss to the covered trailer has also been purchased for loss to a covered auto.
       Regardless of any other provisions in the policy, if a loss occurs causing damage to both a covered trailer
       and a:
        a.    covered auto; or
        b. non-owned auto;
       any applicable deductibles, as shown on the declarations page or provided for in the policy, shall each apply
       separately to the covered trailer and auto.
       The actual cash value is determined by the market value, age and condition of the covered trailer at the time
       the loss occurs.
       If more than one covered trailer is shown on your declarations page, coverage will be provided as
       specified on the declarations page as to each covered trailer.
6.      The Lienholder Agreement under Part IV – Damage To A Vehicle will also apply for loss to a covered trailer.
7.      The following is deleted from the Cancellation provision under the General Provisions:
              For purposes of cancellation, this policy is neither severable nor divisible. Any cancellation will be
              effective for all coverages for all persons and all vehicles.
        and is replaced by:
              For purposes of cancellation, this policy is neither severable nor divisible. Any cancellation will be
              effective for all coverages for all persons, all vehicles, and all trailers.
8.      All Duties and General Provisions stated in the policy that apply to an auto or covered auto also apply to a
        covered trailer.
All other terms, limits and provisions of this policy remain unchanged.
Form 7962 (07/05)
      Application for Insurance
      Note: The heading below will not print for customers who e-sign.

      Please review, sign where
      indicated, and return                                                                                                       Note: For unsold policies, no policy number will appear.
                                                                                                                    Note: For customers who e-sign “Policy number 99999999-9”
      Note: The heading below will print for customers who e-sign.                                                                                    will print only if available.

      Please review and sign where                                                                                             Policy number: 99999999-9
                                                                                                                                     Policyholders: XXXXX XXXXXXXXXXXXXXX
      indicated                                                                                                                      May 10, 2002
                                                                                                                                                   XXX XXXXXXXXXXXXXXX

Note: For customers who sign the app electronically, “for policy number 99999999-9” will print if available.                         Page x of x Note: Page x of x” will not print for e-
Note: The heading below prints on all applications for policies that are sold.                               sign.
Policy and premium information for policy number 99999999-9
Note: The heading below prints on all applications for policies that are unsold.
Policy and premium information
Note: The name of the actual insuring entity will print below.
                      Insurance company:                         XXXXXXXXXXX XXXXXXXX XXXXXXXXX XXXXXXX
                                                                 X.X. XXX XXXXX
                                                                 XXXXXXXXX, XX XXXXX
                     Note: Agent name will print if provided. If Agent name is not provided, only the Agency name will print.
                      Agent:                                     XXXX XXXXXXXXXXX
                                                                 XXX XXXXXXXXXXXX
                                                                 9999 SMITH RD
                                                                 CLEVELAND, NV 99999
                                                                 99999
                                                                 999-999-9999
                      Note: “Named Insured” will print for heading if additional named insured is not present.
                      Named insureds:                            XXXXX XXXXXXXXXXXXXX
                                                                 XXX XXXXXXXXXXXXXXXX
                                                                 999 MAIN RD
                                                                 CLEVELAND, NV 99999
                                                                 e-mail address: creditdemo@aol.com
                                                                 Home: 999-999-9999
                                                                 Work: 999-999-9999
                                                                 Note: If there is no membership number, nothing will print, including the title.
                                                                 Membership number: 9999999
                      Note: The field below will print when credit has been pulled. The name and phone number of the vendor will print.
                      Financial responsibility vendor:           XXXXXXXXXXXXXXX
                                                                 999-999-9999
                      Note: The Policy period will print on all applications for policies that are sold.
                      Policy period:                             May 10, 2002 – Nov 10, 2002

                      Note: The date and time below will print on all applications for policies that are sold.
                      Effective date and time:               May 10, 2002 at 12:01 a.m.
                      Note: The paragraph below prints on all applications for policies that are not sold.
                      Your policy will be effective when your required initial payment is received by your agent or at a later date of your choice.
                      Total policy premium:                       $2,429.00
                      Initial payment required:                   $9,999.03

                      Unpaid balance:                            $xxx.xx Note: This field will print when there is an outstanding customer balance.

                      Minimum due:                               $xxx.xx Note: This field will print when there is an outstanding customer balance.

                      Initial payment received:                   $0.00
                      Note: SA Specifics – In the line below replace “# payments” with “payments” for payroll plans.
                      Payment plan:                              1 payment

                                                                                                                                                                                        ²
                                                                                                                                                                                       ±
                                                                                                                        Note: For customers who e-sign “Policy number 99999999-9”
                                                                                                                                                           will print only if available.
                                                                                                                                                                    Policy number: 99999999-9
                                                                                                                                                                   XXXXX XXXXXXXXXXXXXXX
                                                                                                                                                                   XXX XXXXXXXXXXXXXXX
                                                                                                                                                                                    Page x of x
                                                                                                                                                           “Page x of x” will not print for e-sign

Note: This section below will always print with the exception of Named Operator policies. When it applies to the state, Education level will print for the named insured and named
insured's spouse when there is a valid value other than the default value of 'X'. The Education labels and the variable text will not print if the default value is 'X'.
Drivers and household residents
        The applicant, spouse and all household residents xx years of age or older, all regular operators of the vehicles described in this
        application, and all children who live away from home who drive these vehicles, even occasionally, are listed below. Your total
        policy premium can be affected by all persons of driving age. While designating drivers as List Only or Excluded may increase
        policy premium, the violation and accident history of Excluded and List Only drivers does not affect premium.

                       Name                                 Date of birth                    Sex             Marital status    Relationship

                       XXXX XXXXXXXXXXXXXXX Oct 12, 1969                                     Male            Single            Insured
                       Driver status: Principal
                       Education level: XXXXXXXXXXXXXX


Note: The section below prints only when there is a named operator. The named operator field should print the insured’s first and last name. The Additional
information field should print ‘Named insured’. When it applies to the state, Education level will print for the named insured and named insured's spouse when there is a valid
value other than the default value of 'X'. The Education labels and the variable text will not print if the default value is 'X'.
Named operator                                                                                      Additional information

                       XXXXXXXX XXXXX                                                                 Named insured
                       Education level: XXXXXXXXXXXXXX


Note: The section below prints only when there is a driver with a filing.
Driver filing
                                                                                             Filing type                            State        Case number                      Effective date

                       XXXXX XXXXXXXXXXXXXXX                                                 XXXXXXXXXXXXX                          OH           9999999999                       Jul 31, 2002

Note: The section below prints the coverages selected by the insured.
Outline of coverage
                        Note: The message below regarding policy limits needs to print directly underneath the "Outline of coverage" heading when there is more than one vehicle on
                        the policy and at least one vehicle has Liability coverage. This message will not appear when every vehicle on the policy is PDO or when the policy is a Named
                        Operator policy.
                       Your insurance policy and any policy endorsements contain a full explanation of your coverage. The policy limits shown
                       for a vehicle may not be combined with the limits for the same coverage on another vehicle.

                       2002 ACURA MDX 4 DOOR MPV
                       VIN: XXX22222222222222
                       Garaging Zip Code: 44102
                       Primary use of the vehicle: Commute                               Limits                                               Deductible                             Premium

                       Liability To Others                                                                                                                                                $xxx
                          Bodily Injury Liability                                        $xx,xxx each person/$xx,xxx each accident
                          Property Damage Liability                                      $xx,xxx each accident

                       Uninsured/Underinsured Motorist                                   $xx,xxx each person/$xx,xxx each accident                    xx

                       Medical Payments                                                  $xxx each person                                                                                   xx
                       Comprehensive (Ex. of stated amt.)                               *Actual Cash Value                                    $xxx                                           xx
                        Comprehensive Window Glass                                       or Stated Amount                                      xxx glass
                       Collision                                                         *Actual Cash Value or Stated Amount                   $xxx                                          xxx
                       Rental Reimbursement                                              $xxxxxxxxxxxxxx                                                                                      xx
                       Roadside Assistance                                                                                                                                                   x

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                                                                                                                                                                                                   ±
                                                                                                                        Note: For customers who e-sign “Policy number 99999999-9”
                                                                                                                                                           will print only if available.
                                                                                                                                                                   Policy number: 99999999-9
                                                                                                                                                                  XXXXX XXXXXXXXXXXXXXX
                                                                                                                                                                  XXX XXXXXXXXXXXXXXX
                                                                                                                                                                                   Page x of x
                                                                                                                                                         “Page x of x” will not print for e-sign

                     Custom Parts or Equipment                                          $1,000 included with Comprehensive or Collision
                     Additional Custom Parts or Equipment                               $xxxxxxxx                                                                                        xxx
                     Loan/Lease Payoff                                                  25% Of The Actual Cash Value                                                                      xx

                     Total premium for 2002 ACURA                                                                                                                                      $xxxx


                     1993 TRAILER
                     VIN: XXXXXXXXXXXXXXXXX
                     Garaging Zip Code: 44102
                     Primary use of the vehicle: Commute                                Limits                                                 Deductible                          Premium

                     Comprehensive                                                      *                                                      $xxx                                    $xxx
                     Collision                                                          *                                                      $xxx                                      xxx
                     Trailer Contents Coverage                                          $xxxx                                                  $xxx                                      xx
                     Total premium for 1993 TRAILER                                                                                                                                   $xxx
                     * In the event of a loss, the maximum amount payable is the lesser of the actual cash value, subject to the deductible, or the limit of $2,500.

                     Subtotal policy premium                                                                                                                                            $XX
                     SR22 Driver filing fee                                                                                                                                             XX

                     Total xx month policy premium, with paid in full discount                                                                                                       $xxxxx



Note: The section below prints when discounts apply to the policy.
Premium discounts
                     Policy

                     99999999999 (For e-sign “999999” will print if available) home owner, paid in full and multi-car
                     Driver



                     XXXX XXXXXXXXXXXX                                                   XXXXXXXXXXXXX
                     Vehicle

                     2002 ACURA MDX                                                     vehicle tracking system



Note: This section below prints when there are surcharges.
Additional policy information
                     Policy

                     99999999999 (For e-sign “999999” will print if available) surcharge
                     Driver

                     XXXX XXXXXXXXXXXX                                                  XXXXXXXXXXXX
                     Vehicle

                     2002 ACURA MDX                                                     surcharge




                                                                                                                                                                                                ²
                                                                                                                                                                                               ±
                                                                                                                      Note: For customers who e-sign “Policy number 99999999-9”
                                                                                                                                                         will print only if available.
                                                                                                                                                          Policy number: 99999999-9
                                                                                                                                                         XXXXX XXXXXXXXXXXXXXX
                                                                                                                                                         XXX XXXXXXXXXXXXXXX
                                                                                                                                                                          Page x of x
                                                                                                                                                 “Page x of x” will not print for e-sign

Driving history
Note: The section below prints on all applications when there is a driver with a violation. Note: Paragraph below contains state specific language.
                      Please review the following information carefully because driving history is used to determine your rate. All accidents
                      are considered at-fault and chargeable if the driver was 50 percent or more at-fault unless the accident is under an
                      applicable payment threshold or we receive additional information from you or another source that proves the accident
                      was not-at-fault. We obtain driving history from the following sources:

                   • Your application (APP)                                            • Motor Vehicle Reports - provided by state agencies (MVR)
                   • Progressive claims history (PROG)                                 • Comprehensive Loss Underwriting Exchange - provided by
                                                                                         ChoicePoint, Inc. (CLUE)

                      Driver                                                           Description                                    Date                                 Source
                      XXXX XXXXXXXXXXXXXXX                                            Speeding                                        Jul 4, 2001                          APP
                      XXXXX XXXXXXXXXXXXXXX                                           Speeding                                        Jul 4, 2001                          APP
                                                                                 (no points charged)
                     Note: Variable text represents Brand name – Drive Insurance. Note: The sentence below only prints when all drivers have a clean driving record.
                      XXXXXXXXXXX uses driving history to determine your rate. There are no accidents or violations for drivers on this policy.
Note: The section below prints the applicable questions.
Risk tier information
                      Prior insurance: xxx (either ‘yes’ or ‘no’ answer will print here)
                      Prior insurance carrier: xxx (Prior insurance carrier will print if applicant has prior insurance.)
                      Policy number: (Policy number heading and prior policy number will only print if provided)
                      Bodily injury limits: (Bodily injury limits heading and actual limits will only print if provided)
                      Comp claims: x (Comp claims will print if the state use CMP counts in Tiering.)
                      Not at-fault accidents: x (NAFs, will print if the state use NAF counts in Tiering.)

Note: The heading below prints when there is a Lienholder and Additional Interest.
Lienholder and Additional Interest information
Note: The heading below prints when there is a Lienholder only.
Lienholder information
Note: The heading below prints when there is an Additional Interest only.
Additional Interest information
                         Note: The sections below prints the addresses on file for the Lienholder and Additional Interest.

                      Lienholder:                                                                LP #1
                                                                                                 123 FIRST MAIN AL 44102
                                                                                                 2002 ACURA MDX (XXX999999999999999)
                      Lienholder:                                                                AMERICAN SUZUKI (LOAN)
                                                                                                 2002 VOLKSWAGEN JETTA GL (XXX999999999999999)
                      Additional Interest:                                                       ADDITIONAL INTEREST
                                                                                                 123 FIRST MAIN, OH 44107

                  Note: The line below always prints.               Note: This line prints on all applications when a policy has been sold.
                      rr 0000, c S, rp 3, bp 21                      This application has been electronically transmitted.




                                                                                                                                                                                      ²
                                                                                                                                                                                     ±
                                                                                            Note: For customers who e-sign “Policy number 99999999-9”
                                                                                                                               will print only if available.
                                                                                                                                Policy number: 99999999-9
                                                                                                                               XXXXX XXXXXXXXXXXXXXX
                                                                                                                               XXX XXXXXXXXXXXXXXX
                                                                                                                                                Page x of x
                                                                                                                       “Page x of x” will not print for e-sign

Note: The following section always prints. Notice is state specific.
Offer of Uninsured/Underinsured Motorist Coverage
                      If you purchase this coverage, Uninsured/Underinsured Motorist Coverage would protect you, your resident relatives, and
                      occupants of a covered vehicle if any of you sustain bodily injury, including any resulting death, in an accident for which
                      the owner or operator of a motor vehicle who is legally liable does not have insurance (an uninsured motorist) or does not
                      have enough insurance (an underinsured motorist).

                      You may purchase Uninsured/Underinsured Motorist Coverage up to the limits of the bodily injury liability coverage that
                      you have selected. You may not purchase Uninsured/Underinsured Motorist Coverage with limits that exceed the limits of
                      the bodily injury liability coverage selected. Uninsured/Underinsured Motorist Coverage may not be added, combined, or
                      stacked together regardless of the number of vehicles listed on the policy.


Offer of Medical Payments Coverage
                      If you purchase this coverage, Medical Payments Coverage provides protection, without regard to legal liability, for
                      reasonable and necessary medical and funeral expenses incurred by an insured person who sustains bodily injury in an
                      accident while operating or occupying a covered vehicle or when struck as a pedestrian by a motor vehicle or trailer.

                      You may purchase Medical Payments Coverage in an amount of $1,000 as well as higher optional limits. This coverage
                      may not be added, combined, or stacked together regardless of the number of vehicles listed on the policy.




                                                                                                                                                            ²
                                                                                                                                                           ±
                                                                                  Note: For customers who e-sign “Policy number 99999999-9”
                                                                                                                     will print only if available.
                                                                                                                      Policy number: 99999999-9
                                                                                                                     XXXXX XXXXXXXXXXXXXXX
                                                                                                                     XXX XXXXXXXXXXXXXXX
                                                                                                                                      Page x of x
                                                                                                             “Page x of x” will not print for e-sign

Application agreement
           Verification of content
           I declare that the statements contained herein are true to the best of my knowledge and belief and do agree to pay any
           surcharges applicable under the Company rules which are necessitated by inaccurate statements. I declare that no
           persons other than those listed in this application regularly operate the vehicle(s) described in this application. I declare
           that none of the vehicles listed in this application will be used to carry persons or property for compensation or a fee, or
           for retail or wholesale delivery, including, but not limited to, the pickup, transport, or delivery of magazines, newspapers,
           mail, or food. I understand that this policy may be rescinded and declared void if this application contains any false
           information or if any information that would alter the Company’s exposure is omitted or misrepresented.

           Notice of information practices
           I understand that to calculate an accurate price for my insurance, the Company may obtain information from third parties,
           such as consumer reporting agencies that provide driving, claims and credit histories. The Company may use a credit-
           based insurance score based on the information contained in the credit history. The Company or its affiliates may obtain
           new or updated information to calculate my renewal premium or service my insurance. I may access information about
           me and correct it if inaccurate. In some cases, the law permits the Company to disclose the information it collects without
           authorization. However, the Company will not share personal information with nonaffiliated companies for their
           marketing purposes without consent. Complete details are in the Company’s Privacy Policy, which will be provided with
           this insurance policy and upon request.

Acknowledgement and agreement

               •    If I make my initial payment by electronic funds transfer, check, draft, or other remittance, the coverage afforded
                    under this policy is conditioned on payment to the Company by the financial institution. If the transfer, check,
                    draft, or other remittance is not honored by the financial institution, the Company shall be deemed not to have
                    accepted the payment and this policy shall be void.

               •    If I make my initial payment by credit card, the coverage afforded under this policy is conditioned on payment to
                    the Company by the card issuer. I understand that if the Company is unable to collect my initial payment from
                    the card issuer, the Company shall be deemed not to have accepted the payment and this policy shall be void. I
                    also understand that if I authorize a credit card transaction for any payment other than the initial payment, this
                    policy will be subject to cancellation for nonpayment of premium if the Company is unable to collect payment
                    from the card issuer. The Company is deemed "unable to collect" in the following instances: (1) when I reach
                    my credit limit on my credit card and the card issuer refuses the charge; (2) when the card issuer cancels or
                    revokes my credit card; or (3) when the card issuer does not pay the Company, for any reason whatsoever, upon
                    the Company's request.

                    Note: Variable text represents brand name.
               •    This insurance and personalized service is available at this price exclusively through a <XXXXXXXXXX>
                    independent agent. <XXXXXXXXXXX> affiliated companies selling insurance directly have different prices and
                    products.




                                                                                                                                                  ²
                                                                                                                                                 ±
                                                                                                  Note: For customers who e-sign “Policy number 99999999-9”
                                                                                                                                     will print only if available.
                                                                                                                                              Policy number: 99999999-9
                                                                                                                                             XXXXX XXXXXXXXXXXXXXX
                                                                                                                                             XXX XXXXXXXXXXXXXXX
                                                                                                                                                              Page x of x
                                                                                                                                  “Page x of x” will not print for e-sign

    Other charges
    I understand that if I cancel this policy, any refund due will be computed on a ninety percent (90%) of a daily pro-rata
    basis. This is a daily, accelerated method of calculating short-rate earned premium on cancellations. When I renew this
    policy, I understand that the Company will refund premium on a daily pro-rata basis.

    I agree to pay the installment fees shown on my billing statement that become due during the policy term and each
    renewal policy term in accordance with the payment plan I have selected. I understand that the amount of these fees may
    change upon policy renewal or if I change my payment plan. Any change in the amount of installment fees will be
    reflected on my payment schedule.

    I understand that a returned payment fee of <$XX.XX> will be assessed to the balance due on my policy if any check
    offered in payment is not honored by my bank or other financial institution. Imposition of such charge shall not deem the
    Company to have accepted the check unconditionally.

    I agree to pay a late fee of <$XX.XX> during the policy term and each renewal policy term when either the minimum
    amount due is not paid or payment is postmarked more than <XXX> days after the premium due date. The amount of
    this fee may change upon policy renewal.
    Note: The “Applicant signature” heading and the three paragraphs under the heading print for customers who elect to sign their application electronically.
    Applicant signature
    Note: First and last name of primary named insured will display in variable text field.
    I represent that I, <XXXXXXXXXXXXXX>, am the person identified as the named insured and the first driver in the
    Drivers and household residents section of this application. I acknowledge and agree to the statements contained within
    this application.

    I also acknowledge and agree that by typing my name in the designated boxes on the screen below this form and clicking
    "Continue", I am electronically signing this application, which will have the same legal effect as the execution of this
    document by a written signature and shall be valid evidence of my intent and agreement to be bound by its terms.

    I understand that my name already appears in the signature line below because I chose to electronically sign this
    application.

    Note: The signature line will appear on all applications.
    Note: Pre-fill name and date for those who elect to sign electronically.
    Note: "Not Applicable/Sample Form" will print on the signature line in the event the customer fails authentication or fails to e-sign.


    Signature of named insured                                                                 Date

X
    Form 7982 NV (01/10)




                                                                                                                                                                       ²
                                                                                                                                                                      ±
                                                                                                           Policy number: <xxxxxxxx-x>
                                                                                                                     <xxxxxx xxxxxxx>
                                                                                                                      <xxxxxx xxxxxx>
                                                                                                                     Page <x>of<x>
Named Non-Owner Coverage Endorsement
       If you elect Named Non-Owner Coverage, your policy, and any endorsements to your policy, is amended as follows:
       1.    General Definitions
             (a) The definition of "you" and "your" is deleted and replaced by the following:
                   "You" and "your" mean the person shown as the named insured on the declarations page.
             (b) The definition of "covered auto" is deleted and replaced by the following:
                   "Covered auto" means an auto you become the owner of during the policy period if:
                   a.     the auto is not covered by any other insurance policy;
                   b.     you notify us within 30 days of becoming the owner of the auto; and
                   c.     you pay any additional premium due.
                   If you ask us to insure the auto more than 30 days after you become the owner, any coverage we provide
                   will begin at the time you request coverage.
       2.    Part I - Liability To Others
             (a) The Additional Definition of "insured person" is deleted and replaced by the following:
                 "Insured person" means:
                 a. you with respect to an accident arising out of the ownership, maintenance, or use of an auto or trailer;
                      and
                 b. any person with respect to an accident arising out of that person's use of a covered auto with your
                      permission.
             (b) Exclusion 4 is deleted and replaced by the following:
                 4. bodily injury or property damage arising out of an accident involving any vehicle while being
                      maintained or used by a person while employed or engaged in any auto business. This exclusion does
                      not apply to a vehicle being operated by you;
             (c) Exclusion 11 is deleted and replaced by the following:
                   11. bodily injury or property damage arising out of the ownership, maintenance, or use of any vehicle
                       owned by you, other than a covered auto;
             (d) Exclusion 12 is deleted.
             (e) Exclusion 14 is deleted and replaced by the following:
                   14. bodily injury or property damage arising out of the use of a covered auto while leased or rented to
                       others or given in exchange for any compensation. This exclusion does not apply to the operation of a
                       covered auto by you;
             (f)   The Out-of-State Coverage provision is deleted and replaced by the following:
                   OUT-OF-STATE COVERAGE
                   If an accident to which this Part I applies occurs in any state, territory, or possession of the United States of
                   America or any province or territory of Canada, other than the one where you reside, and the state, province,
                   territory, or possession has:
                   1. a financial responsibility or similar law requiring limits of liability for bodily injury or property
                      damage higher than the limits shown on the declarations page, this policy will provide the higher
                      limits; or
                   2. a compulsory insurance or similar law requiring a non-resident to maintain insurance whenever the non-
                      resident uses an auto in that state, province, territory, or possession, this policy will provide the greater
                      of:
                      a. the required minimum amounts and types of coverage; or
                      b. the limits of liability under this policy.
                                                                                                       Policy number: <xxxxxxxx-x>
                                                                                                                 <xxxxxx xxxxxxx>
                                                                                                                  <xxxxxx xxxxxx>
                                                                                                                 Page <x>of<x>
3.   Part II – Medical Payments Coverage
     (a) The Additional Definition of "insured person" is deleted and replaced by the following:
           "Insured person" means:
           a. you:
               (i) while occupying an auto; or
               (ii) when struck by a motor vehicle or a trailer while not occupying a self-propelled motorized
                    vehicle; and
           b. any other person while occupying a covered auto with your permission.
     (b) Exclusion 2 is deleted and replaced by the following:
           2. arising out of an accident involving any vehicle while being maintained or used by a person while
              employed or engaged in any auto business. This exclusion does not apply to a vehicle being operated
              or occupied by you;
     (c) Exclusion 9 is deleted and replaced by the following:
         9. sustained by any person while occupying or when struck by any vehicle owned by you, other than a
              covered auto;
     (d) Exclusion 10 is deleted.
     (e) Exclusion 11 is deleted and replaced by the following:
           11. to you while occupying any vehicle other than a covered auto, without the permission of the owner
               of the vehicle or the person in lawful possession of the vehicle.
     (f)   Exclusion 12 is deleted and replaced by the following:
           12. to any person while occupying a covered auto while leased or rented to others or given in exchange
               for any compensation. This exclusion does not apply to the operation of a covered auto by you;
4.   Part III – Uninsured/Underinsured Motorist Coverage
     (a) The Additional Definition of "insured person" is deleted and replaced by the following:
           "Insured person" means:
           a. you except when occupying a vehicle, other than a covered auto, without the express or implied
               permission of the owner or the person in lawful possession of the vehicle;
           b. any person while operating a covered auto with your permission;
           c. any person occupying, but not operating, a covered auto with your express or implied permission;
           d. any person who is entitled to recover damages covered by this Part III because of bodily injury
               sustained by a person described in a, b, or c above.
     (b) All references to relative are deleted from the Additional Definitions of "underinsured motor vehicle" and
         "uninsured motor vehicle."
     (c) The following provision is deleted from the Additional Definition of "uninsured motor vehicle":
         c. to which a bodily injury liability bond or policy applies at the time of the accident, but its limit of liability
               for bodily injury is less than the minimum limit of liability for bodily injury specified by the financial
               responsibility law of the state in which the covered auto is principally garaged;
           and replaced by the following:
           c.   to which a bodily injury liability bond or policy applies at the time of the accident, but its limit of liability
                for bodily injury is less than the minimum limit of liability for bodily injury specified by the financial
                responsibility law of the state where you reside;
     (d) Exclusion 1.b. is deleted and replaced by the following:
                                                                                                   Policy number: <xxxxxxxx-x>
                                                                                                             <xxxxxx xxxxxxx>
                                                                                                              <xxxxxx xxxxxx>
                                                                                                             Page <x>of<x>
               1.b. a motor vehicle that is owned by you, other than a covered auto. This exclusion applies only to
                    damages in excess of the minimum limit mandated by the motor vehicle financial responsibility law of
                    Nevada;
All other terms, limits and provisions of this policy remain unchanged.
Form Z194 NV (08/07)
                                                                                                          Policy number: <xxxxxxxx-x>
                                                                                                                     <xxxxxx xxxxxxx>
                                                                                                                     <xxxxxx xxxxxxx>
                                                                                                                    Page <x> of <x>
Pet Injury Coverage Endorsement
        Your policy is amended as follows:
        If you have purchased Collision coverage for at least one covered auto under your policy, Pet Injury coverage is added
        to Part IV – Damage To A Vehicle.
        INSURING AGREEMENT – PET INJURY COVERAGE
        If your pet sustains injury or death while inside a covered auto or non-owned auto at the time of a loss covered
        under Collision or Comprehensive coverage, we will provide:
        1.    up to $1,000 for reasonable and customary veterinary fees incurred by you or a relative if your pet is injured in,
              or as a direct result of, the covered loss; or
        2.    a $1,000 death benefit if your pet dies in, or as a direct result of, the covered loss, less any payment we made
              toward veterinary expenses for your pet.
        In the event of a covered loss due to the theft of a covered auto or non-owned auto, we will provide the death
        benefit provided your pet is inside that auto at the time of the theft and your pet is not recovered.
        ADDITIONAL DEFINITION
        The following definition applies to this coverage:
        “Your pet” means any dog or cat owned by you or a relative.
        LIMITS OF LIABILITY
        The following additional Limits of Liability apply to Pet Injury coverage:
        1. The most we will pay for all damages in any one loss is a total of $1,000 regardless of the number of dogs or cats
           involved.
        2. If your pet dies in, or as a direct result of, a covered loss, we will provide a death benefit of $1,000, less any
           payment we made toward veterinary expenses for your pet.
        3. No deductible shall apply to this coverage.
        All other terms, limits and provisions of this policy remain unchanged.
        Form Z538 (10/08)
                                                                                                       Policy number: <xxxxxxxx-x>
                                                                                                                  <xxxxxx xxxxxxx>
                                                                                                                  <xxxxxx xxxxxxx>
                                                                                                                 Page <x> of <x>
Window Glass Coverage Endorsement
       Your policy is amended as follows:
       Part IV – Damage To A Vehicle
       The following is added to Part IV – Damage To A Vehicle:
       INSURING AGREEMENT – COMPREHENSIVE WINDOW GLASS COVERAGE
       If your declarations page shows that this coverage applies to your policy, we will pay under Comprehensive
       Coverage for loss, not caused by collision, to glass or plastic used in the windshield, backglass, windows, moonroof, or
       sunroof of a covered auto.
       This coverage is subject to the deductible shown on your declarations page.
       All other terms, limits, and provisions of this policy remain unchanged.
       Form 4884 (10/08)

				
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