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D, Fellow Employee CoYerage
<br />SECTION II - COVERED AUTOS LIABILITY
<br />COVERAGE, B, Exclusions, S, Fellow Employee,
<br />the following is added:
<br />Co-Employee Lawsuit Defense Cosl
<br />Reimbursement
<br />lf a suit seeking damages for "bodily injury" to any
<br />fellow "employee" of the "insured" arising out ol and
<br />in the course of the fellow "employee's" employment
<br />or while performing dutigs related to the conduct ot
<br />your business, or a suit seeking damages brought
<br />by the spouse, child, parent, brother or sister of that
<br />fellow "employee", is brought against you, we will
<br />reimburse reasonable costs that you incur in the
<br />defense of such matters. Any reimbursemont made
<br />puFuant to this sub-section will be in addition to the
<br />limits of liability set forth in the Declarations.
<br />SECTION III - PHYSICAL DAMAGE COVERAGE
<br />AMENDMENTS
<br />A. Transportation Expense - Limits Amended
<br />SECTION III - PHYSICAL DAMAGE COVERAGE,
<br />A. Coverage,4. Coverage Extensions, a, Trans-
<br />portation Expenses is amended by replacing $20
<br />per day/$600 maximum limit with $50 per day/$1000
<br />mdimum.
<br />B, Hired Auto Physical Damage - Loss Of Use
<br />Expenses - Limits Amended
<br />SECTION III - PHYSICAL DAMAGE COVERAGE,
<br />A, Coverage, 4. Coverage Extensions, b, Loss of
<br />Use Expenses is amended by replacing the $20 per
<br />day/$600 maximum limit with $50 per day/$750
<br />milimum limit.
<br />C. Personal Effects Coverage
<br />SECTION III - PHYSICAL DAMAGE COVERAGE,
<br />A" Coverage, 4, Coverage Extensions is amended
<br />by adding the following:
<br />c. Personal Effects
<br />We will pay up to $500 ior "loss" to personal
<br />efiects, which are:
<br />(1) Omed by an "insured"; and
<br />(2) ln of on your covered "auto."
<br />This coverage applies only in the event of the total
<br />theft of your covered "auto.' No deductible applies to
<br />this mverage
<br />D. Glass Repair- Deductible Waiver
<br />SECTION III - PHYSICAL DAMAGE COVERAGE,
<br />A, Coverage, 3. Glass Breakage - Hitting A Bird
<br />Or Animal - Falling Objects Or Missiles, is
<br />amended by adding the following:
<br />No deductible will apply to glass breakage il such
<br />glass is repaired, in a manner ac@ptable to us,
<br />rather than replaced.
<br />E. Hired Auto Physical Damage
<br />SECTION III - PHYSICAL DAMAGE COVERAGE,
<br />A. Coverage is amended by adding the following:
<br />5. Hired Auto Physical Damagc
<br />lf hired "autos" are covered "autos'for Liability
<br />Coverage and if Comprehensive, Specified
<br />Causes of Loss, or Collision coverages afe pro-
<br />vided under this coverage form for any "auto"
<br />you oM, then the Physical Damage Coverages
<br />provided are extended to "autos" you hire of like
<br />kind and use, subject to the iollowing:
<br />a. The mosi we will pay for any one "loss" is
<br />$50,000 or the actual €sh value or @st to
<br />repair or replae, wtrichever is less, minus a
<br />deductible;
<br />b. The deductible will be equal to the largest
<br />deductible applicable to any owned "auto"
<br />for that coverage. Any Comprehensive
<br />deductible does not apply to "loss" caused
<br />by f're or lightening;
<br />c. Hried Auto Physical Damage coverage is
<br />excess over any other collectible insurane,
<br />and
<br />d. Sublect to the above limit, deductible and
<br />excess provisions we will provide coverage
<br />equal to the broadest coverage appliGble to
<br />any cov€red "auto" you own.
<br />lf a limii for Hired Auto Physical Damage js
<br />indi€ted in the Declarations. then that limit
<br />replaces, and is not added to, the $50,000 limit
<br />indicated above.
<br />F- Rental Reimbureement
<br />SECTION III - PHYSICAL DAMAGE COVERAGE
<br />A. Coverage, is amended by adding the following:
<br />6" RentalReimbursement
<br />This coverage applies only to a covered "auto" of
<br />the prjvate passenger or light truck type as
<br />f0llows:
<br />a. We will pay for rental reimbursemeni
<br />expenses incuffed by you for ihe rental of a
<br />private passenger or light truck type "auto"
<br />becuse of "loss" to a covered private pas-
<br />senger or light truck type "auto". Payment
<br />applies in addition to the otherwise applica-
<br />ble amount of each coverage you have on a
<br />svered private passenger or light truck type
<br />"auto." No deductibles apply to this
<br />mverage.
<br />b. We will pay only for those expenses incurred
<br />during the policy period beginning 24 hours
<br />after the "loss" and ending, regardless of the
<br />policy's expiraiion, with the lesser of ihe fol-
<br />lowing number of days:
<br />(1) The number of days reasonably re-
<br />quired to repair or feplace the mvered
<br />private passenger or light truck type
<br />"auto'. lf "loss" is caused by thett, this
<br />number of days is added to the number
<br />of days it takes to lo€te the covered
<br />private passenger or light truck type
<br />"auto" and reiurn it to you, or
<br />(2) 30 days.
<br />c, Our payment is limited to the lesser of the
<br />following amounts:
<br />(1) Necssary and actual expenses
<br />incurred. or
<br />(2) $50 per day, up to a maimum of
<br />$1,000.
<br />d. This coverage does not apply while there
<br />are spare or reserue private passenger or
<br />light truck type "autos" available to you for
<br />your operations.
<br />e, lf "loss' results from the total theft of a
<br />covered "auto" of the private passenger or
<br />light iruck type, we will pay under this cover-
<br />age only that amount ol your rental feim-
<br />bursemeni expenses which is not already
<br />provided for under SECTION lll -
<br />PHYSICAL DAMAGE COVERAGE, A,
<br />Coverage, 4. Coverage Extensions,
<br />For th6 purposes ot this Rental Reimbursement
<br />coverage, light truck is defined as a truck with a
<br />gross vehicle weight of 10,000 lbs. or less as
<br />defined by the manutacturer as the maximum
<br />loaded weight the auto is designed lo carry.
<br />G. Accidental Airbag Deployment Coverage
<br />SECTION III . PHYSICAL DAMAGE COVERAGE,
<br />A. Coverage is amended by adding the followjng:
<br />7. Accidental Airbag Deployment Coverage
<br />We will pay to reset or replaoe factory installed
<br />airbag(s) in any covered "auto" for accidental
<br />discharge, other than discharge due to a
<br />collision loss,
<br />This coverage is applicable only if comprehen-
<br />sive @verage applies to the mvered "auto".
<br />This coverage is excess over any other collecti-
<br />ble insurance or reimbursement by manufac-
<br />turer's warranty.
<br />H, Auto Loan/Lease Gap Coverage
<br />SECTION III PHYSICAL DAMAGE COVERAGE,
<br />Item A., Coverage. is amended by adding the
<br />following:
<br />8, Auto Loan/Lease Gap Coverage
<br />This coyerage applies only to a covered "auto'
<br />described or designated in the Schedule or in
<br />the Declarations as including physical damage
<br />coverage.
<br />ln the event of a covered total "loss" to a
<br />covered "auto" described or designated in the
<br />Schedule or in the Declarations, we will pay any
<br />unpaid amount due on the lease or loan for a
<br />covefed "auto" less:
<br />a, The amount paid under the Physical
<br />Damage Coverage Section on the policy;
<br />and
<br />b. Any:
<br />(1) Overdue lease/loan payments at lhe
<br />time ot the "loss':
<br />(2) Financial penalties imposed under a
<br />lease for excessive use. abnormal wear
<br />and tear or high milsage;
<br />(31 Securiiy deposits not returned by the
<br />lessor:
<br />(4) Costs for extended warranties. Credii
<br />Life lnsurance, Health, Accident or
<br />Disability lnsurance purchased with the
<br />loan or lease: and
<br />(5) Carry-over balances from previous
<br />loans or leases.
<br />wN cA 27 06 16 lneludes copyrighted mai€dal oflnsurance SeNic6 Ofic., with ib permission Page 3 ot 5 wN cA 27 06 16 lnchrdes copyighted maierial ollnsurance Seruices Oftice, with its permission Page 4 of 5
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