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4. Subject to the above limit, deductible, and excess provisions we will provide @ver- age equal to the broadest ooverage appli- cable to any mvered "auto" you own in- sured under this policy. Coverage indudes loss of use of that hired au- to, provided it results from an "aocident" for whictr you are legally liable and as a result of which a monetary loss is sustained by the leasing or rental concem. The most we will pay for any one "accident" is $3,000. lf a limit for Hired Auto - Physical Damage is shourn in the Schedule, then that limit replac- es, and is not added to, the $50,000 limit indi- cated above and the deductibles shown in the Schedule are applicable. J. Rental Reimbursement SECTION III . PHYSICAL DAMAGE COV. ERAGE is amended by adding the following: 1. We will pay for rental reimbursement ex- penss inqrrred by you for the rental of an "auto" because of a 'loss" to a covered "auto". Payment applies in addition to the otherwise applicable amount of each cov- erage you have on a @vered "auto". No deductible applies to this coverage. 2. We will pay only for those expenses in- curred during the policy period beginning 24 hours after the "loss" and ending, re- gardless of the policy's expiration, with the lesser of the following number of days: a. The number of days reasonably re- quired to repair the covered "auto". lf "loss" is caused by theft, this number of days is added to the number of days it takes to locate the covered "auto" and return it to you; or b. 30 days. 3. Our paynent is limited to the lesser of the following amounts: a. Necessary and actual expenses in- curred; or b. $50 per day. 4. This coverage does not apply while there are spare or reserve "autos" available to you for your operations. 5. We will pay under this ooverage only that amount of lour rental reimbursement ex- penses whidr is not already provided for under SECTION lll - PHYSICAL DAM- AGE COVERAGE, A" Goverage, 4. Coverage Extensions. K. Transportation Expense - Higher Limits SECTION III . PHYSICAL DAMAGE COV. ERAGE, A" Coverage, 4. Coverage Exten- sions is amended by replacing $20 per day with $50 per day, and $600 maximum with $1,500 maximum in Extension a. Transpor. tation Expenses. L. Airbag Coverage SECTION III - PHYSICAL DAMAGE COV- ERAGE, B. Exclusions, 3.a. is amended by adding the following: However, the mechanical and elecirical breakdown portion of this exdusion does not apply to the accidental discharge of an airbag. This coverage for airbags is exoess over any other colleclible insurance or wananty. M. Loan orLease Gap Goverage 1. SECTION III - PHYSICAL DAMAGE COVERAGE, C. Limit of Insurance is deleted in its entirety and replaoed by the following, but only for private passenger type "autos" with an original loan or lease, and only in the event of a 'total loss" to such a private passenger type "auto": a. The most we will pay for'loss" in any one "a6ident" is the greater of: (1) The amount due under the terms of the lease or loan to which your oovered private passenger type "auto" is subject, but will not include: (a) Overdue lease or loan pay- ments; (b) Financial penalties imposed under the lease due to high mileage, excessive use or abnormal wear and tear; (c) Seanrity deposits not re- funded by the lessor; (d) Costs for extended wanan- ties, Credit Life lnsurance, Health, Accident or Disabil- ity lnsurance purchased with the loan or lease; and (e) CarrYr'over balances from previous loans or leases, or (2) Actual cash value of the stolen or damaged property. b. An adjustment for depreciation and physical condition will be made in de- termining actual cash value at the time of "loss". lndudes copyrighted material of ISO Properties, lnc., with its permission.AA 288 06 20 Page 3 of 4