ILLINOISAUTO POLICY

Form 9610D IL (03/07)version 3.0

CONTENTS

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

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

PART I - LIABILITY TO OTHERS . Insurng .Agreement . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 . Addtonal .Defintons . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 . Addtonal .Payments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 . Exclusons . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 . Lmts .of .Lablty . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5 . Fnancal .Responsblty .Laws . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6 . Other .Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6 . Out-of-State .Coverage . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6

PART II - MEDICAL PAYMENTS COVERAGE . Insurng .Agreement . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 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 .- .Unnsured/Undernsured .Motorst . . . .Bodly .Injury .Coverage . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9 . Insurng .Agreement .- .Unnsured .Motorst . . .Property .Damage .Coverage . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10 . Notce .and .Consent .Requrements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10 . Addtonal .Defintons . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10 . Exclusons . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .11 . Lmts .of .Lablty . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12 . Other .Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 14 . Arbtraton . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 14

PART IV - DAMAGE TO A VEHICLE . Insurng .Agreement .- .Collson .Coverage . . . . . . . . . . . . . . . . . . . . . . . . . 15 . Insurng .Agreement .- .Comprehensve .Coverage . . . . . . . . . . . . . . . . . . . 15 . Insurng .Agreement .- .Addtonal .Custom .Parts .or .Equpment .Coverage . 16 . Insurng .Agreement .- .Rental .Rembursement .Coverage . . . . . . . . . . . . . 16 . Insurng .Agreement .- .Lmted .Loan/Lease .Payoff .Coverage . . . . . . . . . . 17 . Addtonal .Defintons . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 17 . Exclusons . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 18 . Lmts .of .Lablty . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 19 . Payment .of .Loss . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 21 . No .Benefit .to .Balee . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 21 . Loss .Payable .Clause . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 21 . Other .Sources .of .Recovery . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 22 . Apprasal . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 22

PART V - ROADSIDE ASSISTANCE COVERAGE . Insurng .Agreement . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 22 . Addtonal .Defintons . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 22 . Exclusons . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 23 Unauthorzed .Servce .Provder . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 23 . Other .Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 24

PART VI - DUTIES IN CASE OF AN ACCIDENT OR LOSS . . . . . . . . . . . . . 24

PART VII - GENERAL PROVISIONS . Polcy .Perod .and .Terrtory . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 24 . Changes . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 25 . Duty .to .Report .Changes . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 25 . Settlement .of .Clams . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 25 . Terms .of .Polcy .Conformed .to .Statutes . . . . . . . . . . . . . . . . . . . . . . . . . . 26 . Transfer .of .Interest . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 26 . Fraud .or .Msrepresentaton . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 26 . Payment .of .Premum .and .Fees . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 26 . Cancellaton . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 27 . Cancellaton .Refund . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 29 . Nonrenewal . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 29 . Automatc .Termnaton . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 29 . Legal .Acton .Aganst .Us . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 29 . Our .Rghts .to .Recover .Payment . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 30 . Jont .and .Indvdual .Interests . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 31 . Bankruptcy . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 31

CONSUMER HOTLINE . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 31

1ILLINOIS AUTO POLICY

INSURING AGREEMENT

In .return .for .your payment .of .the .premum, .we .agree .to .nsure .you .subject .to .all .the .terms, .condtons, .and .lmtatons .of .ths .polcy . .We .wll .nsure .you for .the .coverages .and .the .lmts .of .lablty .shown .on .ths .polcys .declarations page . .Your polcy .con-ssts .of .the .polcy .contract, .your nsurance .applcaton, .the .declarations page, .and .all .endorsements .to .ths .polcy .

GENERAL DEFINITIONS

The .followng .defintons .apply .throughout .the .polcy . .Defined .terms .are .prnted .n .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 .perod .

that .does .not .permanently .replace .an .auto .shown .on .the .declarations page .f: . .a . . .we .nsure .all .other .autos you .own; b . . .the .additional auto .s .not .covered .by .any .other .nsurance .polcy; . .c . . .you .notfy .us .wthn .30 .days .of .becomng .the .owner .of .the .additional auto; .

and d . . .you .pay .any .addtonal .premum .due . . .An .additional auto .wll .have . the .broadest .coverage .we .provde . for .any .auto .

shown .on .the .declarations page . .If .you .ask .us to .nsure .an .additional auto .more .than .30 .days .after you become .the .owner, .any .coverage .we .provde .wll .begn .at .the .tme .you .request .coverage .

2 . . .Auto .means .a .land .motor .vehcle: . .a . . .of .the .prvate .passenger, .pckup .body, .or .cargo .van .type; . .b . . .desgned .for .operaton .prncpally .upon .publc .roads; . .c . . .wth .at .least .four .wheels; .and . .d . . .wth .a .gross .vehcle .weght .ratng .of .12,000 .pounds .or .less, .accordng .to .the .

manufacturers .specficatons . . .However, .auto .does .not .nclude .step-vans, .parcel .delvery .vans, .or .cargo .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 . . .Child restraint system .means .any .devce .desgned .to .restran, .seat .or .poston .

chldren .that .meets .the .standards .of .the .Unted .States .Department .of .Transporta-ton .

6 . . .Covered auto .means: . .a . . .any .auto or .trailer shown .on .the .declarations page for .the .coverages .appl-

cable .to .that .auto or .trailer; . .b . . .any .additional auto; . .c . . .any .replacement auto; .or . .d . . .a .trailer owned .by .you .

27 . . .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 .

8 . . .Occupying .means .n, .on, .enterng, .or .extng .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 .durng .the .first .30 .days .after you .become .the .owner .unless .you .notfy .us .wth-n .that .30-day .perod .that .you want .us .to .extend .coverage .beyond .the .ntal .30 .days . .If .the .auto .beng .replaced .dd .not .have .coverage .under .Part .IV .- .Damage .To .A .Vehcle, .such .coverage .may .be .added, .but .the .replacement auto .wll .have .no .coverage .under .Part .IV .untl .you .notfy .us .of .the .replacement auto .and .ask .us .to .add .the .coverage .

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:

. .a . . .for .commercal .purposes; . .b . . .as .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 . .b . . .the .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 .

We .wll .settle .or .defend, .at .our .opton, .any .clam .for .damages .covered .by .ths .Part .I . .If .a .lawsut .s .brought .aganst .an .insured person .seekng .both .compensatory .and .pu-ntve .or .exemplary .damages .wth .respect .to .a .clam .for .acts .or .alleged .acts .covered .under .ths .Part .I, .we .wll .provde .a .defense .to .such .lawsut .wthout .lablty .for .any .pun-tve .or .exemplary .damages .

3ADDITIONAL DEFINITIONS

When .used .n .ths .Part .I:1 . . .Insured person .means: . .a . . .you .or .a .relative wth .respect .to .an .accdent .arsng .out .of .the .ownershp, .

mantenance, .or .use .of .an .auto or .trailer; . .b . . .any .person .wth .respect .to .an .accdent .arsng .out .of .that .persons .use .of .a .

covered auto wth .the .permsson .of you or .a relative; . .c . . .any .person .or .organzaton .wth .respect .only .to .vcarous .lablty .for .the .acts .

or .omssons .of .a .person .descrbed .n .a .or .b .above; .and . .d . . .any .Addtonal .Interest .shown .on .the .declarations page .wth .respect .only .to .

ts .lablty .for .the .acts .or .omssons .of .a .person .descrbed .n .a .or .b .above .2 . . .Property damage .means .physcal .damage .to, .destructon .of, .or .loss .of .use .of, .

tangble .property .

ADDITIONAL PAYMENTS

In .addton .to .our .lmt .of .lablty, .we .wll .pay .for .an .insured person:1 . . .all .expenses .we .ncur .n .the .settlement .of .any .clam .or .defense .of .any .lawsut;2 . . .nterest .accrung .after .entry .of .judgment, .untl .we .have .pad, .offered .to .pay, .or .de-

posted .n .court, .that .porton .of .the .judgment .whch .does .not .exceed .our .lmt .of .lablty . .Ths .does .not .apply .f .we .have .not .been .gven .notce .of .sut .or .the .oppor-tunty .to .defend .an .insured person;

3 . . .the .premum .on .any .appeal .bond .or .attachment .bond .requred .n .any .lawsut .we .defend . .We .have .no .duty .to .purchase .a .bond .n .an .amount .exceedng .our .lmt .of .lablty, .and .we .have .no .duty .to .apply .for .or .furnsh .these .bonds;

4 . . .up .to .$250 .for .a .bal .bond .requred .because .of .an .accdent .resultng .n .bodily in-jury or .property damage .covered .under .ths .Part .I . .We .have .no .duty .to .apply .for .or .furnsh .ths .bond; .and

5 . . .reasonable .expenses, .ncludng .loss .of .earnngs .up .to .$200 .per .day, .ncurred .at .our .request .

EXCLUSIONS - READ THE FOLLOWING EXCLUSIONS CAREFULLY. IF AN EX-CLUSION APPLIES, COVERAGE WILL NOT BE AFFORDED UNDER THIS PART I.

Coverage .under .ths .Part .I, .ncludng .our duty .to .defend, .wll .not .apply .to .any .insured person for:1 . . .bodily injury .or .property damage .arsng .out .of .the .ownershp, .mantenance, .or .

use .of .any .vehcle .or .traler .whle .beng .used: . .a . . .to .carry .persons .or .property .for .compensaton .or .a .fee; .or . .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;2 . . .any .lablty .assumed .under .any .contract .or .agreement .by .you or .a .relative;3 . . .bodily injury .to .an .employee .of .that .insured person .arsng .out .of .or .wthn .the .

course .of .employment . .Ths .excluson .does .not .apply .to .domestc .employees .f .

4benefits .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 . . .bodily injury or .property damage .resultng .from, .or .sustaned .durng .practce .or .preparaton .for:

. .a . . .any .pre-arranged .or .organzed .racng, .stuntng, .speed, .or .demolton .contest .or .actvty; .or

. .b . . .any .drvng .actvty .conducted .on .a .permanent .or .temporary .racetrack .or .race-course;

6 . . .bodily injury or .property damage .due .to .a .nuclear .reacton .or .radaton;7 . . .bodily injury or .property damage .for .whch .nsurance: . .a . . .s .afforded .under .a .nuclear .energy .lablty .nsurance .contract; .or . .b . . .would .be .afforded .under .a .nuclear .energy .lablty .nsurance .contract .but .for .

ts .termnaton .upon .exhauston .of .ts .lmt .of .lablty;8 . . .any .oblgaton .for .whch .the .Unted .States .Government .s .lable .under .the .Federal .

Tort .Clams .Act;9 . . .bodily injury .or .property damage .caused .by .an .ntentonal .act .of .that .insured

person, .or .at .the .drecton .of .that .insured person, even .f .the .actual .njury .or .damage .s .dfferent .than .that .whch .was .ntended .or .expected;

10 . . .property damage . to .any .property .owned .by, .rented .to, .beng .transported .by, .used .by, .or .n .the .charge .of .that .insured person . .Ths .excluson .does .not .apply .to .a .rented .resdence .or .a .rented .garage;

11 . . .bodily injury or .property damage .arsng .out .of .the ownershp, .mantenance, .or .use .of .any .vehcle .owned .by .you or .furnshed .or .avalable .for .your regular .use, .other .than .a .covered auto for .whch .ths .coverage .has .been .purchased;

12 . . .bodily injury or .property damage .arsng .out .of .the .ownershp, .mantenance, .or .use .of .any .vehcle .owned .by .a .relative .or .furnshed .or .avalable .for .the .regular .use .of .a .relative, .other .than .a .covered auto for .whch .ths .coverage .has .been .purchased . .Ths .excluson .does .not .apply .to .your mantenance .or .use .of .such .vehcle;

13 . . .bodily injury .or .property damage .arsng .out .of .your or .a .relatives use .of .a .ve-hcle, .other .than .a .covered auto, .wthout .the .permsson .of .the .owner .of .the .ve-hcle .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;

15 . . .puntve .or .exemplary .damages; .or16 . . .bodily injury .or .property damage .caused .by, .or .reasonably .expected .to .result .from, .

a .crmnal .act .or .omsson .of .that .insured person . .Ths .excluson .apples .regardless .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 .

If .a .court .wth .proper .jursdcton .determnes .an .excluson .s .partly .or .wholly .nvald .or .unenforceable .because .t .does .not .permt .ths .polcy .to .satsfy .the .mnmum .requre-

5ments .of .the .Illnos .Motor .Vehcle .Safety .and .Famly .Fnancal .Responsblty .Law, .the .excluson .wll .only .apply .to .the .extent .that .the .lmts .of .lablty .of .ths .polcy .exceed .the .mnmum .lmts .of .lablty .requred .by .law .

LIMITS OF LIABILITY

The .lmt .of .lablty .shown .on .the .declarations page .for .lablty .coverage .s .the .most .we .wll .pay .regardless .of .the .number .of:1 . . .clams .made;2 . . .covered autos;3 . . .insured persons;4 . . .lawsuts .brought;5 . . .vehcles .nvolved .n .the .accdent; .or6 . . .premums .pad .

If .your .declarations page .shows .a .splt .lmt:1 . . .the .amount .shown .for .each .person .s .the .most .we .wll .pay .for .all .damages .due .

to .bodily injury .to .one .person .resultng .from .any .one .accdent;2 . . .subject .to .the .each .person .lmt, .the .amount .shown .for .each .accdent .s .the .

most .we .wll .pay .for .all .damages .due .to .bodily injury .sustaned .by .two .or .more .persons .n .any .one .accdent; .and

3 . . .the .amount .shown .for .property .damage .s .the .most .we .wll .pay .for .the .total .of .all .property damage .resultng .from .any .one .accdent .

The .each .person .lmt .of .lablty .apples .to .the .total .of .all .clams .made .for .bodily 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 . .However, .ths .provson .shall .not .reduce .coverage .under .ths .Part .I .to .an .amount .less .than .the .mnmum .lmt .mandated .by .the .Illnos .Motor .Vehcle .Safety .and .Famly .Fnancal .Responsblty .Law .

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 .

6An .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 .

FINANCIAL RESPONSIBILITY LAWS

When .we .certfy . ths .polcy .as .proof .of .financal . responsblty, . ths .polcy .wll .com-ply .wth .the .law .to .the .extent .requred . .The .insured person must .remburse .us f .we .make .a .payment .that .we .would .not .have .made .f .ths .polcy .was .not .certfied .as .proof .of .financal .responsblty .

OTHER INSURANCE

If .there .s .any .other .applcable .lablty .nsurance .or .bond, .we .wll .pay .only .our .share . .of .the .damages . .Our .share .s .the .proporton .that our lmt .of .lablty .bears .to .the .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:1 . . .a .financal .responsblty .or .smlar .law .requrng .lmts .of .lablty .for .bodily injury .

or .property damage .hgher .than .the .lmts .shown .on .the .declarations page, .ths .polcy .wll .provde .the .hgher .lmts; .or

2 . . .a .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 . . .the .requred .mnmum .amounts .and .types .of .coverage; .or . .b . . .the .lmts .of .lablty .under .ths .polcy .

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:1 . . .sustaned .by .an .insured person; .and2 . . .caused .by .that .motor vehicle .accdent .

We, .or .someone .on .our .behalf, .wll .determne:1 . . .whether .the .expenses .for .medical services .are .reasonable; .and2 . . .whether .the .medical services .are .necessary .

7ADDITIONAL DEFINITIONS

When .used .n .ths .Part .II:1 . . .Insured person .means: . .a . . .you .or .a .relative: () . .whle .occupying an .auto; .or . . . .() . .when .struck .by .a .motor vehicle .or .a .traler .whle .not .occupying a .self-

propelled .motorzed .vehcle; .and . .b . . .any .other .person .whle .occupying .a .covered auto wth .the .permsson .of

you or .a relative .2 . . .Medical services .means .medcal, .surgcal, .dental, .x-ray, .ambulance, .hosptal, .

professonal .nursng, .and .funeral .servces, .and .ncludes .the .cost .of .eyeglasses, .hearng .ads, .pharmaceutcals, .orthopedcs .and .prosthetc .devces .

3 . . .Motor vehicle .means .a .land .motor .vehcle .desgned .for .use .prncpally .on .publc .roads .

EXCLUSIONS - READ THE FOLLOWING EXCLUSIONS CAREFULLY. IF AN EX-CLUSION APPLIES, COVERAGE WILL NOT BE AFFORDED UNDER THIS PART II.

Coverage .under .ths .Part .II .wll .not .apply .to .bodily injury:1 . . .sustaned .by .any .person .whle .occupying a .covered auto whle .t .s .beng .used: . .a . . .to .carry .persons .or .property .for .compensaton .or .a .fee; .or . .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;2 . . .arsng .out .of .an .accdent .nvolvng .a .vehcle .whle .beng .mantaned .or .used .by .a .

person .whle .employed .or .engaged .n .any .auto business . .Ths .excluson .does .not .apply .to .you, .a .relative, .or .an .agent .or .employee .of .you .or .a .relative, .when .usng .a .covered auto;

3 . . .to .any .person .resultng .from, .or .sustaned .durng .practce .or .preparaton .for: . .a . . .any .pre-arranged .or .organzed .racng, .stuntng, .speed, .or .demolton .contest .

or .actvty; .or . .b . . .any .drvng .actvty .conducted .on .a .permanent .or .temporary .racetrack .or .race-

course;4 . . .due .to .a .nuclear .reacton .or .radaton;5 . . .for .whch .nsurance: . .a . . .s .afforded .under .a .nuclear .energy .lablty .nsurance .contract; .or . .b . . .would .be .afforded .under .a .nuclear .energy .lablty .nsurance .contract .but .for .

ts .termnaton .upon .exhauston .of .ts .lmt .of .lablty;6 . . .for .whch .the .Unted .States .Government .s .lable .under .the .Federal .Tort .Clams .Act;7 . . .sustaned .by .any .person .whle .occupying .any .vehcle or .traler .whle .located .for .

use .as .a .resdence .or .premses;8 . . .f .workers .compensaton .benefits .are .avalable .for .the .bodily injury;9 . . .sustaned .by .any .person .whle .occupying .or .when .struck .by .any .vehcle .owned .

by .you or .furnshed .or .avalable .for .your regular .use, .other .than .a .covered auto for .whch .ths .coverage .has .been .purchased;

810 . . .sustaned .by .any .person .whle .occupying .or .when .struck .by .any .vehcle .owned .by .a .relative .or .furnshed .or .avalable .for .the .regular .use .of .a .relative, .other .than .a .covered auto for .whch .ths .coverage .has .been .purchased . .Ths .excluson .does .not .apply .to .you; .

11 . . .to .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;

12 . . .to .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;

13 . . .caused .drectly .or .ndrectly .by: . .a . . .war .(declared .or .undeclared) .or .cvl .war; . .b . . .warlke .acton .by .any .mltary .force .of .any .government, .soveregn .or .other .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 .lmt .of .lablty .shown .on .the .declarations page .for .Medcal .Payments .Coverage .s .the .most .we .wll .pay .for .each .insured person .njured .n .any .one .accdent, .regard-less .of .the .number .of:1 . . .clams .made;2 . . .covered autos;3 . . .insured .persons;4 . . .lawsuts .brought;5 . . .vehcles .nvolved .n .the .accdent; .or6 . . .premums .pad .

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

Any .amount .payable .to .an .insured person .under .ths .Part .II .wll .be .reduced .by .any .amount .pad .or .payable .for .the .same .expense .under .Part .I .- .Lablty .To .Others .or .Part .III .- .Unnsured/Undernsured .Motorst .Coverage .

If .multple .auto .polces .ssued .by .us are .n .effect .for .you, .we wll .pay .no .more .than .the .hghest .lmt .of .lablty .for .ths .coverage .avalable .under .any .one .polcy .

9UNREASONABLE OR UNNECESSARY MEDICAL EXPENSES

If .an .insured person ncurs .expenses .for .medical services that .we .deem .to .be .unrea-sonable .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 .dsputed .amount .to .the .medcal .servce provder .or .the .medcal .servce provder .has .ntated .collecton .actv-ty .aganst .the .insured person for .the .unreasonable .or .unnecessary .expenses .

OTHER INSURANCE

If .there .s .other .applcable .auto .medcal .payments .nsurance, .we .wll .pay .only .our .share .of .the loss . .Our .share .s .the .proporton .that .our .lmt .of .lablty .bears .to .the .total .of .all .applcable .lmts . .However, .any .nsurance .we .provde .for .an .insured person 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 - UNINSURED/UNDERINSURED MOTORIST BODILY INjURY COVERAGE

If .you .pay .the .premum .for .ths .coverage, .we wll .pay .for .damages .that .an .insured person .s .legally .enttled .to .recover .from .the .owner .or .operator .of .an .uninsured mo-tor vehicle .or an underinsured motor vehicle .because .of .bodily injury:1 . . .sustaned .by .an .insured person;2 . . .caused .by .an .accdent; .and3 . . .arsng .out .of .the .ownershp, .mantenance, .or .use .of .an .uninsured motor vehi-

cle or an underinsured motor vehicle .

We .wll .pay .under .ths .coverage .only .after .the .lmts .of .lablty .under .all .applcable .bod-ly .njury .lablty .bonds .and .polces .have .been .exhausted .by .payment .of .judgments .or .settlements . .However, .ths .shall .not .apply .f .we and .the .insured person .agree, .wth-out .arbtraton, .that .the .insured person .has .suffered .bodily injury or .death, .and .also .agree .on .the .amount .of .damages .wthn .the .Lmt .of .Lablty .that .the .insured person .s .legally .enttled .to .collect .under .ths .coverage .

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INSURING AGREEMENT - UNINSURED MOTORIST PROPERTY DAMAGE COVERAGE

If .you .pay .the .premum .for .ths .coverage, .we .wll .pay .for .damages .that .an .insured person .s .legally .enttled .to .recover .from .the .owner .or .operator .of .an .uninsured mo-tor vehicle .because .of .property damage:1 . . .caused .by .an .accident; .and2 . . .arsng .out .of .the .ownershp, .mantenance, .or .use .of .an .uninsured motor vehicle .

We .wll .also .pay .for .replacement .of .a .child restraint system .that .was .n .use .by .a .chld .n .a .covered auto .at .the .tme .of .an .accdent for .whch .ths .coverage .apples .due .to .the .lablty .of .the .owner .or .operator .of .an .uninsured motor vehicle .

NOTICE AND CONSENT REQUIREMENTS

An .insured person .must .notfy .us .n .wrtng .at .least .30 .days .before .enterng .nto .any .settlement .wth .the .owner .or .operator .of .an .uninsured .motor vehicle or .an .underin-sured .motor vehicle, .or .any .lablty .nsurer . .In .order .to .preserve .our .rght .of .subroga-ton, .we .may .elect .to .pay .any .sum .offered .n .settlement .by, .or .on .behalf .of, .the .owner .or .operator .of .an .uninsured .motor vehicle or .an .underinsured .motor vehicle . .If .we do .ths, .the .insured person .agrees .to .assgn .to .us .all .ther .rghts .aganst .the .owner .or .operator .of .the .uninsured .motor vehicle or .underinsured .motor vehicle, .to .the .extent .of .our .payment .

Any .judgment .or .settlement .for .damages .aganst .an .owner .or .operator .of .an .unin-sured motor vehicle .or .an .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 . . .you .or .a .relative; b . . .any .person .whle .operatng .a covered auto wth .the .permsson .of .you .or .a .

relative; . .c . . .any .person .occupying, .but .not .operatng, .a covered auto; .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 . . .Property damage .means .only .physcal .damage .to .or .destructon .of .a .covered

auto . .Property damage .does .not .nclude .loss .of .use .of .a .covered auto .result-ng .from .ts .physcal .damage .or .destructon .

3 . . .Underinsured motor vehicle .means .a .land .motor .vehcle .of .any .type .to .whch .a .bodly .njury .lablty .bond .or .polcy .apples .at .the .tme .of .the .accdent, .but .the .sum .of .all .applcable .lmts .of .lablty .for .bodly .njury .s .less .than .the .coverage .lmt .for .Unnsured/Undernsured .Motorst .Bodly .Injury .Coverage .shown .on .the .decla-rations page .

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. 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 . . .owned .by .any .governmental .unt .or .agency; . .c . . .operated .on .rals .or .crawler .treads; . .d . . .desgned .manly .for .use .off .publc .roads, .whle .not .on .publc .roads; . .e . .whle .located .for .use .as .a .resdence .or .premses; . .f . . .that .s .a .covered auto; .or . .g . . .that .s .an .uninsured motor vehicle .4 . . .Uninsured motor vehicle .means .a .land .motor .vehcle .of .any .type: . .a . . .to .whch .no .bodly .njury .lablty .bond .or .polcy .apples .at .the .tme .of .the .accdent; . .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 .or .becomes .nsolvent; . .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; .or

. .d . . .that .s .a .ht-and-run .vehcle .whose .owner .or .operator .cannot .be .dentfied .and .whch .strkes .or .causes .an .object .to .strke:

. . . .() . .you .or .a .relative; . . . .() . .a .vehcle .that .you .or .a .relative .are .occupying; .or . . . .() . .a .covered auto; . . . .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 .

. .An .uninsured 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, .other .than .a .covered vehicle; . .b . . .owned .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; . .d . . .operated .on .rals .or .crawler .treads; . .e . . .desgned .manly .for .use .off .publc .roads, .whle .not .on .publc .roads; . .f . . .whle .located .for .use .as .a .resdence .or .premses; .or . .g . . .that .s .an .underinsured motor vehicle .

EXCLUSIONS - READ THE FOLLOWING EXCLUSIONS CAREFULLY. IF AN EX-CLUSION APPLIES, COVERAGE WILL NOT BE AFFORDED UNDER THIS PART III.

Coverage .under .ths .Part .III .wll .not .apply:1 . . .to .bodily injury .sustaned .by .any .person .whle .usng .or .occupying: a . a .covered auto .whle .beng .used: . . . .() . .to .carry .persons .or .property .for .compensaton .or .a .fee; .or

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. . . .() . .for .retal .or .wholesale .delvery, .ncludng, .but .not .lmted .to, .the .pckup, .transport, .or .delvery .of .magaznes, .newspapers, .mal, .or .food .

. . . .Ths .excluson .does .not .apply .to .shared-expense .car .pools; .or . .b . . .a .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;

2 . . .to .bodily injury .sustaned .by .you or .a .relative whle .usng .any .vehcle, .other .than .a .covered auto, .wthout .the .permsson .of .the .owner .of .the .vehcle .or .the .person .n .lawful .possesson .of .the .vehcle;

3 . . .drectly .or .ndrectly .to .benefit .any .nsurer .or .self-nsurer .under .any .of .the .followng .or .smlar .laws:

. .a . . .workers .compensaton .law; .or . .b . . .dsablty .benefits .law;4 . . .to .any .puntve .or .exemplary .damages; .or5 . . .to .bodily injury .sustaned .by .any .person .f .that .person .or .the .legal .representatve .

of .that .person .settles .wthout .our .wrtten .consent .

Coverage .under .ths .Part .III .wll .not .apply .to .property damage:1 . . .sustaned .whle .a .covered auto .s .beng .used: . .a . . .to .carry .persons .or .property .for .compensaton .or .a .fee; .or . .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;2 . . .resultng .from, .or .sustaned .durng .practce .or .preparaton .for: . .a . . .any .pre-arranged .or .organzed .racng, .stuntng, .speed, .or .demolton .contest .

or .actvty; .or . .b . . .any .drvng .actvty .conducted .on .a .permanent .or .temporary .racetrack .or .race-

course;3 . . .to .a .covered auto for .whch .nsurance: . .a . . .s .afforded .under .a .nuclear .energy .lablty .nsurance .contract; .or . .b . . .would .be .afforded .under .a .nuclear .energy .lablty .nsurance .contract .but .for . .

ts .termnaton .upon .exhauston .of .ts .lmt .of .lablty;4 . . .to .a .traler;5 . . .f .there .s .no .actual .physcal .contact .between .the .uninsured motor vehicle and .

the .covered auto; .or6 . . .f .the .owner .or .operator .of .the .at-fault .uninsured motor vehicle .cannot .be .dent-

fied .

LIMITS OF LIABILITY

The .lmt .of .lablty .shown .on .the .declarations page .for .Unnsured/Undernsured .Mo-torst .Coverage .s .the .most .we .wll .pay .regardless .of .the .number .of:1 . . .clams .made;2 . . .covered autos;3 . . .insured persons;4 . . .lawsuts .brought;

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5 . . .vehcles .nvolved .n .the .accdent; .or6 . . .premums .pad .

If .your .declarations page .shows .a .splt .lmt:1 . . .the .amount .shown .for .each .person .s .the .most .we .wll .pay .for .all .damages .due .

to .bodily injury .to .one .person; .and2 . . .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 injury to .an .insured person and .all .clams .of .others .derved .from .such .bodily injury, .nclud-ng, .but .not .lmted .to, .emotonal .njury .or .mental .angush .resultng .from .the .bodily .in-jury .of .another .or .from .wtnessng .the .bodily injury .to .another, .loss .of .socety, .loss .of .companonshp, .loss .of .servces, .loss .of .consortum, .and .wrongful .death .

If . the .declarations page . shows . that . combned .sngle . lmt .or . CSL .apples, . the .amount .shown .s .the .most .we .wll .pay .for .the .total .of .all bodily injury .damages .result-ng .from .any .one .accdent . .However, .wthout .changng .ths .total .lmt .of .lablty, .we wll .comply .wth .any .law .that .requres .us to .provde .any .separate .lmts .

The .lmts .of .lablty .under .ths .Part .III .for .bodily injury .wll .be .reduced .by .all .sums:1 . . .pad .because .of .bodily injury .by .or .on .behalf .of .any .persons .or .organzatons .that .

may .be .legally .responsble;2 . . .pad .under .Part .I .- .Lablty .To .Others; .and3 . . .pad .or .payable .because .of .bodily injury .under .any .workers .compensaton .law .We .wll .not .pay .under .ths .Part .III .any .expenses .pad .or .payable .under .Part .II .- .Med-cal .Payments .Coverage .

The .lmt .of .lablty .under .ths .Part .III .for .property damage to .a .covered auto .s .the .lowest .of:1 . . .the .actual .cash .value .of .the .covered auto .at .the .tme .of .the .accident;2 . . .the .amount .necessary .to .replace .the .covered auto;3 . . .the .amount .necessary .to .repar .the .covered auto .to .ts .pre-loss .condton; .or4 . . .the .lmt .of .lablty .shown .on .the .declarations page .for .Unnsured .Motorst .Prop-

erty .Damage .for .the .covered auto .

The .lmt .of .lablty .under .ths .Part .III .for .property damage wll .be .reduced .by .all .sums .pad .because .of .property damage:a . . .by .or .on .behalf .of .any .persons .or .organzatons .who .may .be .legally .responsble; .andb . . .under .Part .IV .- .Damage .To .A .Vehcle .

Payments .for .property damage .under .ths .Part .III .are .subject .to .the .followng .provsons:1 . . .any .amount .payable .shall .be .subject .to .the .deductble .shown .on .the .declarations

page; .and2 . . .no .more .than .one .deductble .shall .be .appled .to .any .one .accdent .

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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 . .If .ths .polcy .and .any .other .polcy .pro-vdng .smlar .nsurance .apply .to .the .same .accident, .the .maxmum .lmt .of .lablty .un-der .all .the .polces .shall .be .the .hghest .applcable .lmt .of .lablty .under .any .one .polcy . .However, .any .nsurance .we .provde .wth .respect .to .a .vehcle .that .s .not .a .covered auto .wll .be .excess .over .any .other .unnsured .or .undernsured .motorst .coverage .

ARBITRATION

If .we .and .an .insured person .cannot .agree .on:1 . . .the .legal .lablty .of .the .operator .or .owner .of .an .uninsured motor vehicle or .an

underinsured motor vehicle; .or2 . . .the .amount .of .the .damages .sustaned .by .the .insured person;ths .wll .be .determned .by .arbtraton .f .we .and .the .insured person .mutually .agree .to .arbtraton .pror .to .the .expraton .of .the .bodly .njury .statute .of .lmtatons .n .the .state .n .whch .the .accdent .occurred .

In .the .event .of .arbtraton, .each .party .wll .select .an .arbtrator . .The .two .arbtrators .wll .select .a .thrd . .If .the .two .arbtrators .cannot .agree .on .a .thrd .arbtrator .wthn .45 .days, .then .ether .party .may .request .that .the .arbtraton .be .submtted .to .the .Amercan .Arbtra-ton .Assocaton, .or .on .jont .applcaton .by .the .insured person and .us, .the .thrd .arb-trator .may .be .apponted .by .a .court .havng .jursdcton .Each .party .wll .pay .the .costs .and .fees .of .ts .arbtrator .and .any .other .expenses .t .ncurs . .The .costs .and .fees .of .the .thrd .arbtrator .wll .be .shared .equally . .In .the .event .the .arbtra-tors .award .reasonable .arbtraton .costs, .fees .or .expenses, .we .wll .pay .only .that .porton .of .such .awarded .costs, .fees .or .expenses .as .s .necessary .to .prevent .the .amount .aval-able .under .ths .polcy .for .payment .of .compensatory .damages .awarded .by .the .arbtra-tors .from .beng .reduced .to .an .amount .less .than .the .mnmum .amount .requred .under .the .Illnos .Vehcle .Code .and .the .Illnos .Insurance .Code, .as .amended .

Unless .both .partes .agree .otherwse, .arbtraton .wll .take .place .n .the .county .n .whch .the .insured person .resdes . .Rules .of .procedure .and .evdence .wll .apply .accordng .to .Illnos .law .

A .decson .agreed .to .by .two .of .the .arbtrators .wll .be .bndng .wth .respect .to .a .deter-mnaton .of:1 . . .the .legal .lablty .of .the .operator .or .owner .of .an .uninsured motor vehicle or .an

underinsured motor vehicle; .and2 . . .the .amount .of .the .damages .sustaned .by .the .insured person .The .arbtrators .wll .have .no .authorty .to .award .an .amount .n .excess .of .the .lmt .of .lablty .The .decson .of .the .arbtrators .s .bndng .only .f .the .amount .of .the .award .does .not .ex-

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ceed .$50,000 .for .bodily injury .or .death .of .any .one .person, .$100,000 .for .bodily in-jury .or .death .of .two .or .more .persons .n .any .one .motor .vehcle .accdent, .or .the .corre-spondng .polcy .lmts .for .bodily injury .or .death, .whchever .s .less . .If .the .award .of .the .arbtrators .for .damages .caused .by .an .uninsured motor vehicle or .an underinsured motor vehicle exceeds .the .applcable .lmt .set .forth .n .ths .paragraph, .ether .party .may .demand .the .rght .to .a .tral . .Ths .demand .must .be .made .n .wrtng .wthn .60 .days .of .the .arbtrators .decson . .If .the .demand .s .not .made .wthn .60 .days, .the .amount .of .damag-es .agreed .to .by .the .arbtrators .wll .be .bndng .

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; .or2 . . .non-owned auto;and .ts .custom parts or equipment, resultng .from .collision wth .another .object .or .from .overturnng .

In .addton, .we wll .pay .the .reasonable .cost .to .replace .any .child restraint system .damaged .n .an .accdent .to .whch .ths .coverage .apples .

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; .or2 . . .non-owned auto;and .ts .custom parts or equipment, .that .s .not .caused .by .collision .

A .loss .not .caused .by .collision ncludes:1 . . .contact .wth .an .anmal .(ncludng .a .brd);2 . . .exploson .or .earthquake;3 . . .fire;4 . . .malcous .mschef .or .vandalsm;5 . . .mssles .or .fallng .objects;6 . . .rot .or .cvl .commoton;7 . . .theft .or .larceny;8 . . .wndstorm, .hal, .water, .or .flood; .or9 . . .breakage .of .glass .not .caused .by .collision .

In .addton, .we .wll .pay .for:1 . . .reasonable .transportaton .expenses .ncurred .by .you f .a .covered auto s .stolen; .

and2 . . .loss .of .use .damages .that .you .are .legally .lable .to .pay .f .a .non-owned auto .s .stolen .

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A .combned .maxmum .of .$900, .not .exceedng .$30 .per .day, .wll .apply .to .these .add-tonal .benefits . .The .addtonal .benefit .for .transportaton .expenses .wll .not .apply .f .you .purchased .Rental .Rembursement .Coverage .for .the .stolen .covered .auto .

Coverage .for .transportaton .expenses .and .loss .of .use .damages .begns .48 .hours .after .you .report .the .theft .to .us .and .ends .the .earlest .of:1 . . .when .the .auto has .been .recovered .and .returned .to .you .or .ts .owner;2 . . .when .the .auto has .been .recovered .and .repared;3 . . .when .the .auto has .been .replaced; .or4 . . .72 .hours .after .we .make .an .offer .to .settle .the .loss .f .the .auto s .deemed .by .us to .

be .a .total .loss .

We .must .receve .wrtten .proof .of .transportaton .expenses .and .loss .of .use .damages .

INSURING AGREEMENT - ADDITIONAL CUSTOM PARTS OR EQUIPMENT COVERAGE

We .wll .pay .for .sudden, .drect, .and .accdental .loss .to .custom parts or equipment on .a .covered auto for .whch .ths .coverage .has .been .purchased . .Ths .coverage .apples .only .f .you .have .purchased .both .Comprehensve .Coverage .and .Collson .Coverage .for .that .covered auto and .the .loss .s .covered .under .one .of .those .coverages . .Ths .cov-erage .apples .n .addton .to .any .coverage .automatcally .provded .for .custom parts or equipment .under .Comprehensve .Coverage .or .Collson .Coverage .

INSURING AGREEMENT - RENTAL REIMBURSEMENT COVERAGE

We wll .remburse .rental .charges .ncurred .when .you .rent .an auto .from .a .rental .agen-cy .or .auto .repar .shop .due .to .a .loss .to .a .covered auto .for .whch .Rental .Remburse-ment .Coverage .has .been .purchased . .Ths .coverage .apples .only . f .you .have .pur-chased .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:1 . . .when .the .covered auto .cannot .be .drven .due .to .a .loss; .or2 . . .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;

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2 . . .when .the .covered auto .has .been .repared;3 . . .when .the .covered auto .has .been .replaced;4 . . .72 .hours .after .we .make .an .offer .to .settle .the .loss .f .the .covered auto s .deemed .

by .us to .be .a .total .loss; .or5 . . .when .you ncur .30 .days .worth .of .rental .charges .

You must .provde .us .wrtten .proof .of .your .rental .charges .to .be .rembursed .

INSURING AGREEMENT - LIMITED 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:1 . . .the .actual .cash .value .of .the .covered auto .at .the .tme .of .the .total .loss; .and2 . . .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:

. .a . . .unpad .finance .charges .or .refunds .due .to .the .owner .for .such .charges; . .b . . .excess .mleage .charges .or .charges .for .wear .and .tear; . .c . . .charges .for .extended .warrantes .or .refunds .due .to .the .owner .for .extended .

warrantes; . .d . . .charges . for . credt . nsurance .or . refunds .due . to . the .owner . for . credt . nsur-

ance; . .e . . .past .due .payments .and .charges .for .past .due .payments; .and . .f . . .collecton .or .repossesson .expenses .

However, .our payment .under .ths .coverage .shall .not .exceed .the .lmt .of .lablty .shown .on .the .declarations page . .The .lmt .of .lablty .s .a .percentage .of .the .actual .cash .value .of .the .covered auto .at .the .tme .of .the .loss .

Ths .coverage .apples .only . f .you .have .purchased .both .Comprehensve .Coverage .and .Collson .Coverage .for .that .covered auto and .the .loss .s .covered .under .one .of .those .coverages .

ADDITIONAL DEFINITIONS

When .used .n .ths .Part .IV:1 . . .Collision .means .the .upset .of .a .vehcle .or .ts .mpact .wth .another .vehcle .or .object .2 . . .Custom parts or equipment .means .equpment, .devces, .accessores, .en-

hancements, .and .changes, .other .than .those .that .are .offered .as .standard .or .op-tonal .equpment .by .the .manufacturer .specfically .for .that .auto model, .or .that .are .nstalled .by .the .auto dealershp .as .part .of .the .orgnal .sale .of .a .new .auto, .that:

. .a . . .are .permanently .nstalled .or .attached; .and . .b . . .alter .the .appearance .or .performance .of .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 .

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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 EXCLU-SION APPLIES, COVERAGE WILL NOT BE AFFORDED UNDER THIS PART IV.

Coverage .under .ths .Part .IV .wll .not .apply .for .loss:1 . . .to .any .vehcle .whle .beng .used; . .a . . .to .carry .persons .or .property .for .compensaton .or .a .fee; .or . .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;2 . . .to .a .non-owned auto .whle .beng .mantaned .or .used .by .a .person .whle .em-

ployed .or .engaged .n .any .auto business;3 . . .to .any .vehcle .resultng .from, .or .sustaned .durng .practce .or .preparaton .for: . .a . . .any .pre-arranged .or .organzed .racng, .stuntng, .speed, .or .demolton .contest .

or .actvty; .or . .b . . .any .drvng .actvty .conducted .on .a .permanent .or .temporary .racetrack .or .race-

course;4 . . .to .any .vehcle .for .whch .nsurance: . .a . . .s .afforded .under .a .nuclear .energy .lablty .nsurance .contract; .or . .b . . .would .be .afforded .under .a .nuclear .energy .lablty .nsurance .contract .but .for .

ts .termnaton .upon .exhauston .of .ts .lmt .of .lablty;5 . . .to .any .vehcle .caused .by .an .ntentonal .act .commtted .by .or .at .the .drecton .of .you, .

a .relative, .or .the .owner .of .a .non-owned auto, .even .f .the .actual .damage .s .dffer-ent .than .that .whch .was .ntended .or .expected . .However, .ths .excluson .does .not .apply .to .an .nnocent .co-nsureds .legal .nterest .n .the .covered auto f:

. .a . . .the .nnocent .co-nsured .dd .not .cooperate .n .or .contrbute .to .the .creaton .of .the .loss;

. .b . . .the .loss .arose .out .of .a .pattern .of .crmnal .domestc .volence; .and . .c . . .the .perpetrator .of .the .loss .s .crmnally .prosecuted .for .the .act .causng .the .loss;6 . . .to .a .covered auto .whle .t .s .leased .or .rented .to .others .or .gven .n .exchange .for .

compensaton . .Ths .excluson .does .not .apply .to .the .operaton .of .a .covered auto .by .you .or .a .relative;

7 . . .due .to .destructon .or .confiscaton .by .governmental .or .cvl .authortes .of .any .ve-hcle .because .you .or .any .relative engaged .n .llegal .actvtes;

8 . . .to .any .vehcle .that .s .due .and .confined .to: . .a . . .wear .and .tear; . .b . . .freezng; . .c . . .mechancal, .electrcal, .or .electronc .breakdown .or .falure; .or . .d . . .road .damage .to .tres . . .Ths .excluson .does .not .apply .f .the .damage .results .from .the .theft .of .a .vehcle;

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9 . . .to .portable .equpment, .devces, .accessores, .and .any .other .personal .effects .that .are .not .permanently .nstalled . .Ths .ncludes, .but .s .not .lmted .to:

. .a . . .tapes, .compact .dscs, .cassettes, .DVDs, .and .other .recordng .or .recorded .meda; . .b . . .any .case .or .other .contaner .desgned .for .use . n .storng .or .carryng . tapes, .

compact .dscs, .cassettes, .DVDs, .or .other .recordng .or .recorded .meda; . .c . . .any .devce .used .for .the .detecton .or .locaton .of .radar, .laser, .or .other .speed .

measurng .equpment .or .ts .transmssons; .and . .d . . .CB .rados, .telephones, .two-way .moble .rados, .DVD .players, .personal .com-

puters, .personal .dgtal .assstants, .or .televsons;10 . . .to .any .vehcle .for .dmnuton .of .value;11 . . .to .any .vehcle .caused .drectly .or .ndrectly .by: . .a . . .war .(declared .or .undeclared) .or .cvl .war; . .b . . .warlke .acton .by .any .mltary .force .of .any .government, .soveregn .or .other .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 .

LIMITS OF LIABILITY

1 . . .The .lmt .of .lablty .for .loss .to .a .covered auto, .non-owned auto, .or .custom parts or equipment .s .the .lowest .of:

. .a . . .the .actual .cash .value .of .the .stolen .or .damaged .property .at .the .tme .of .the .loss .reduced .by .the .applcable .deductble;

. .b . . .the .amount .necessary .to .replace .the .stolen .or .damaged .property .reduced .by .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 . . .the .Stated .Amount .shown .on .the .declarations page for .that .covered auto . . .However, .the .most .we wll .pay .for .loss .to: . .a . . .custom parts or equipment s .$1,000 .unless .you . purchased .Addtonal .

Custom .Parts .or .Equpment .Coverage .(ACPE) . .If .you purchased .ACPE, .the .most .we wll .pay .s .$1,000 .plus .the .amount .of .ACPE .you purchased;

b . . .a .trailer .s .the .lmt .of .lablty .shown .on .the .declarations page .for .that .trail-er . .If .the .trailer .s .not .shown .on .the .declarations page, .the .lmt .of .lablty .s .$500 .

2 . . .Payments .for . loss .to .a .covered auto, .non-owned auto, .or .custom parts or equipment are .subject .to .the .followng .provsons:

. .a . . .If .coverage .apples .to .a .non-owned auto, .we .wll .provde .the .broadest .cov-erage .applcable .to .any .covered .auto shown .on .the .declarations page .

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. .b . . .If .you 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 equipment .

. .d . . .In .determnng .the .amount .necessary .to .repar .damaged .property .to .ts .pre-loss .condton, .the .amount .to .be .pad .by .us:

. . . .() . .wll .not .exceed .the .prevalng .compettve .labor .rates .charged .n .the .area .where .the .property .s .to .be .repared .and .the .cost .of .repar .or .replacement .parts .and .equpment, .as .reasonably .determned .by .us; .and

. . . .() . .wll .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 . . .To .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, .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 .prop-erty .as .referred .to .n .subsecton .1, .an .adjustment .may .be .made .for .better-ment .or .deprecaton .and .physcal .condton .on:

. . . .() . .batteres; . . . .() . .tres; . . . .() . .engnes .and .transmssons, .f .the .engne .has .greater .than .80,000 .mles; .

and . . . .(v) . .any .other .mechanical parts that .are .nonfunctonng .or .noperatve . We .wll .not .make .an .adjustment .for .the .labor .costs .assocated .wth .the .re-

placement .or .repar .of .these .parts . . .g . . .The .actual .cash .value .s .determned .by .the .market .value, .age, .and .condton .

of .the .vehcle .at .the .tme .the .loss .occurs .3 . . .No .deductble .wll .apply .to .a .loss to .wndow .glass .when .the .glass .s .repared .n-

stead .of .replaced .4 . . .Duplcate .recovery .for .the .same .elements .of .damages .s .not .permtted .5 . . .Any .amount .pad .or .payable .to .a .person .under .ths .Part .IV .shall .be .reduced .by .

any .amount .pad .for .property damage, .as .defined .n .Part .III .- .Unnsured/Under-nsured .Motorst .Coverage, .under .Part .IIIs .Unnsured .Motorst .Property .Damage .Coverage .

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PAYMENT OF LOSS

We may, .at .our opton:1 . . .pay .for .the .loss .n .money; .or2 . . .repar .or .replace .the .damaged .or .stolen .property .

At .our .expense, .we .may .return .any .recovered .stolen .property .to .you .or .to .the .address .shown .on .the .declarations page, .wth .payment .for .any .damage .resultng .from .the .theft . .We .may .keep .all .or .part .of .the .property .at .the .agreed .or .apprased .value .

We .may .settle .any .loss .wth .you .or .the .owner .or .lenholder .of .the .property .

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 auto s .not .a .total .loss, .we may .make .payment .to .you and .the .reparer .of .the .auto .

Protecton .of .the .lenholders .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-

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 .actu-ally .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 .subro-gated .to .the .rghts .of .the .party .we .pay, .to .the .extent .of .our .payment . .When .we .pay .a .lenholder .for .a .loss .for .whch .you .are .not .covered, .we .are .enttled .to .the .lenholders .rght .of .recovery .aganst .you .to .the .extent .of .our .payment . .Our rght .to .subrogaton .wll .not .mpar .the .lenholders .rght .to .recover .the .full .amount .of .ts .clam .

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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 .appl-cable .lmts . .However, .any .nsurance .we .provde .for .a .non-owned .auto, or .trailer .not .shown .on .the .declarations page, .wll .be .excess .over .any .other .collectble .source .of .recovery .ncludng, .but .not .lmted .to:1 . . .any .coverage .provded .by .the .owner .of .the .non-owned auto .or .trailer;2 . . .any .other .applcable .physcal .damage .nsurance; .and3 . . .any .other .source .of .recovery .applcable .to .the .loss .

APPRAISAL

If .we .cannot .agree .wth .you .on .the .amount .of .a .loss, .then .we .or .you .may .demand .an .apprasal .of .the .loss . .Wthn .30 .days .of .any .demand .for .an .apprasal, .each .party .shall .appont .a .competent .appraser .and .shall .notfy .the .other .party .of .that .apprasers .den-tty . .The .apprasers .wll .determne .the .amount .of .loss . .If .they .fal .to .agree, .the .dsagree-ment .wll .be .submtted .to .a .qualfied .umpre .chosen .by .the .apprasers . .If .the .two .ap-prasers .are .unable .to .agree .upon .an .umpre .wthn .15 .days, .we .or .you .may .request .that .a .judge .of .a .court .of .record, .n .the .county .where .you resde, .select .an .umpre . .The .apprasers .and .umpre .wll .determne .the .amount .of .loss . .The .amount .of .loss .agreed .to .by .both .apprasers, .or .by .one .appraser .and .the .umpre, .wll .be .bndng . .You .wll .pay .your .apprasers .fees .and .expenses . .We .wll .pay .our .apprasers .fees .and .expenses . .All .other .expenses .of .the .apprasal, .ncludng .payment .of .the .umpre .f .one .s .selected, .wll .be .shared .equally .between .us and .you . .Nether .we .nor .you .wave .any .rghts .un-der .ths .polcy .by .agreeng .to .an .apprasal .

PART V - ROADSIDE ASSISTANCE COVERAGE

INSURING AGREEMENT

If .you .pay .the .premum .for .ths .coverage, .we wll .pay .for .our .authorzed .servce .represen-tatve .to .provde .the .followng .servces .when .necessary .due .to .a .covered emergency:1 . . .towng .of .a covered disabled auto to .the .nearest .qualfied .repar .faclty; .and2 . . .labor .on .a .covered disabled auto at .the .place .of .dsablement .

If .a .covered disabled auto s .towed .to .any .place .other .than .the .nearest .qualfied .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 . . .mechancal .or .electrcal .breakdown;

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. .b . . .battery .falure; . .c . . .nsufficent .supply .of .fuel, .ol, .water, .or .other .flud; . .d . . .flat .tre; . .e . . .lock-out; .or . .f . . .entrapment .n .snow, .mud, .water, .or .sand, .wthn .100 .feet .of .a .road .or .hgh-

way .

EXCLUSIONS - READ THE FOLLOWING EXCLUSIONS CAREFULLY. IF AN EX-CLUSION APPLIES, COVERAGE WILL NOT BE AFFORDED UNDER THIS PART V.

Coverage .under .ths .Part .V .wll .not .apply .to:1 . . .the .cost .of .purchasng .parts, .flud, .lubrcants, .fuel, .or .replacement .keys, .or .the .la-

bor .to .make .replacement .keys;2 . . .nstallaton .of .products .or .materal .not .related .to .the .dsablement;3 . . .labor .not .related .to .the .dsablement;4 . . .labor .on .a .covered disabled auto for .any .tme .perod .n .excess .of .60 .mnutes .per .

dsablement;5 . . .towng .or .storage .related .to .mpoundment, .abandonment, .llegal .parkng, .or .other .

volatons .of .law;6 . . .assstance .wth .jacks, .levelers, .arbags, .or .awnngs;7 . . .towng .from .a .servce .staton, .garage, .or .repar .shop;8 . . .labor .or .repar .work .performed .at .a .servce .staton, .garage, .or .repar .shop;9 . . .auto .storage .charges;10 . . .a .second .servce .call .or .tow .for .a .sngle .dsablement;11 . . .dsablement .that .occurs .on .roads .not .regularly .mantaned, .sand .beaches, .open .

fields, .or .areas .desgnated .as .not .passable .due .to .constructon, .weather, .or .earth .movement;

12 . . .mountng .or .removng .of .snow .tres .or .chans;13 . . .tre .repar;14 . . .repeated .servce .calls .for .a covered disabled auto .n .need .of .routne .mante-

nance .or .repar;15 . . .dsablement .that .results .from .an .ntentonal .or .wllful .act .or .acton .by .you, .a .rela-

tive, or .the .operator .of .a .covered disabled auto; .or16 . . .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:1 . . .towng .of .a covered disabled auto to .the .nearest .qualfied .repar .faclty; .and2 . . .labor .on .a .covered disabled auto at .the .place .of .dsablement;whch .s .necessary .due .to .a .covered emergency .

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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:1 . . .cooperate .wth .us .n .any .matter .concernng .a .clam .or .lawsut;2 . . .provde .any .wrtten .proof .of .loss .we .may .reasonably .requre;3 . . .allow .us .to .take .sgned .and .recorded .statements, .ncludng .sworn .statements .and .

examnatons .under .oath, .whch .we .may .conduct .outsde .the .presence .of .you .or .any .other .person .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;

5 . . .attend .hearngs .and .trals .as .we .requre;6 . . .take .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 .re-sults .n .further .loss, .any .addtonal .damages .wll .not .be .covered .under .ths .polcy;

7 . . .allow .us .to .have .the .damaged .covered auto, .or .any .other .damaged .vehcle .for .whch .coverage .s .sought, .nspected .and .apprased .before .ts .repar .or .dsposal;

8 . . .submt .to .medcal .examnatons .at .our .expense .by .doctors .we .select .as .often .as .we .may .reasonably .requre; .and

9 . . .authorze .us .to .obtan .medcal .and .other .records .

PART VII - GENERAL PROVISIONS

POLICY PERIOD AND TERRITORY

Ths .polcy .apples .only . to .accdents .and . losses .occurrng .durng . the .polcy .perod .shown .on .the .declarations page .and .that .occur .wthn .a .state, .terrtory, .or .possesson .

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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 .ssued .by us, contan .all .the .agreements .between .you .and .us . .Subject .to .the .followng, .the .terms .of .ths .polcy .may .not .be .changed .or .waved .except .by .an .endorsement .ssued .by .us .

The .premum .for .ths .polcy .s .based .on .nformaton .we .receved .from .you .and .other .sources . .You .agree .to .cooperate .wth .us .n .determnng .f .ths .nformaton .s .correct .and .complete, .and .to .notfy .us .f .t .changes .durng .the .polcy .perod . .If .ths .nformaton .s .ncorrect, .ncomplete, .or .changes .durng .the .polcy .perod, .you agree .that .we .may .adjust .your .premum .accordngly . .Changes .that .may .result .n .a .premum .adjustment .are .contaned .n .our rates .and .rules . .These .nclude, .but .are .not .lmted .to, you .or .a .relative .obtanng .a .drvers .lcense .or .operators .permt, .or .changes .n:1 . . .the .number, .type, .or .use .classficaton .of .covered autos;2 . . .operators .usng .covered autos;3 . . .an .operators .martal .status;4 . . .the .place .of .prncpal .garagng .of .any .covered auto;5 . . .coverage, .deductbles, .or .lmts .of .lablty; .or6 . . .ratng .terrtory .or .dscount .elgblty .

The .coverage .provded .n .your polcy .may .be .changed .only .by .the .ssuance .of .a .new .polcy .or .an .endorsement .by .us . .However, .f .durng .the .polcy .perod .we broaden .any .coverage .afforded .under .the .current .edton .of .your polcy .wthout .addtonal .premum .charge, .that .change .wll .automatcally .apply .to .your polcy .as .of .the .date .the .coverage .change .s .mplemented .n .your .state .

If .you .ask .us .to .delete .a .vehcle .from .ths .polcy, .no .coverage .wll .apply .to .that .vehcle .as .of .the .date .and .tme .you .ask .us .to .delete .t .

DUTY TO REPORT CHANGES

You .must .promptly .notfy .us when:1 . . .your .malng .or .resdence .address .changes;2 . . .the .prncpal .garagng .address .for .a .covered auto .changes;3 . . .there .s .a .change .wth .respect .to .the .resdents .n .your household .or .the .persons .

who .regularly .operate .a .covered auto;4 . . .an .operators .martal .status .changes; .or5 . . .you .or .a .relative .obtan .a .drvers .lcense .or .operators .permt .

SETTLEMENT OF CLAIMS

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

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expenses, .or .loss .payable .under .ths .polcy . .Such .systems .may .be .developed .by .us .or .a .thrd .party .and .may .nclude .computer .software, .databases, .and .specalzed .tech-nology .

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 .legal .representatve .of .the .named .nsured, .whle .actng .as .such, .and .for .persons .cov-ered .under .ths .polcy .on .the .date .of .the .named .nsureds .death .

FRAUD OR MISREPRESENTATION

Ths .polcy .was .ssued .n .relance .upon .the .nformaton .provded .on .your nsurance .applcaton . .We .may .vod .ths .polcy .at .any .tme, .ncludng .after .the .occurrence .of .an .accdent .or .loss, .f .you:1 . . .made .ncorrect .statements .or .representatons .to .us wth .regard .to .any .materal .

fact .or .crcumstance;2 . . .concealed .or .msrepresented .any .materal .fact .or .crcumstance; .or3 . . .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 .

We .wll .not .vod .ths .polcy .due .to .a .msrepresentaton .of .a .materal .fact .or .crcum-stance .n .the .applcaton .after .ths .polcy .has .been .n .effect .for .one .year .or .one .polcy .perod, .whchever .s .less .

We may .deny .coverage .for .an .accdent .or .loss .f .you .or .a .person .seekng .coverage .has .knowngly .concealed .or .msrepresented .any .materal .fact .or .crcumstance, .or .engaged .n .fraudulent .conduct, .n .connecton .wth .the .presentaton .or .settlement .of .a .clam .

PAYMENT OF PREMIUM AND FEES

If .your .ntal .premum .payment .s .by .check, .draft, .electronc .funds .transfer, .or .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 .

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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 .the .polcy .s .cancelled .for .nonpay-ment .of .premum .

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

We .may .cancel .ths .polcy .for .any .reason .f .the .notce .s .maled wthn .the .first .60 .days .of .the .ntal .polcy .perod .

After .ths .polcy .s .n .effect .for .more .than .60 .days, .or .f .ths .s .a .renewal .or .contnuaton .polcy, .we .may .cancel .only .for .one .or .more .of .the .followng .reasons:1 . . .nonpayment .of .premum;2 . . .materal .msrepresentaton .or .fraud .by .you .wth .respect .to .any .materal .fact .n .the .

procurement .or .renewal .of .the .polcy;3 . . .an .nsured .person .volated .any .of .the .terms .or .condtons .of .the .polcy;4 . . .the .named .nsured .faled .to .fully .dsclose .motor .vehcle .accdents .and .movng .traf-

fic .volatons .for .the .precedng .36 .months;5 . . .an .nsured .person .made .a .false .or .fraudulent .clam .or .knowngly .aded .or .abetted .

another .n .the .presentaton .of .such .a .clam;6 . . .the .named .nsured, .or .any .operator .who .ether .resdes .n .the .same .household .or .

customarly .operates .a .covered auto: . .a . . .has . had . a . drvers . lcense . under . suspenson . or . revocaton . wthn . the . 12 .

months .pror .to .the .notce .of .cancellaton; . .b . . .s .or .becomes .subject .to .eplepsy .or .heart .attacks, .and .such .ndvdual .does .

not .produce .a .certficate .from .a .physcan .testfyng .to .the .persons .unqual-fied .ablty .to .operate .a .motor .vehcle .safely;

. .c . . .has: . . . .() . .an .accdent .record;

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. . . .() . .a .crmnal .or .traffic .convcton .record; .or . . . .() . .a .physcal .or .mental .condton .whch .s .such .that .the .persons .operaton .

of .a .motor .vehcle .mght .endanger .the .publc .safety; . .d . . .has .been .addcted .to .the .use .of .narcotcs .or .other .drugs .wthn .the .36 .months .

pror .to .the .notce .of .cancellaton; . .e . . .has, .durng .the .36 .months .mmedately .precedng .the .notce .of .cancellaton, .

been .convcted .of, .or .forfeted .bal .for: . . . .() . .any .felony; . . . .() . .crmnal .neglgence .resultng .n .death; . . . .() . .homcde .or .assault .arsng .out .of .the .operaton .of .a .motor .vehcle; . . . .(v) . .operatng .a .motor .vehcle .whle .n .an .ntoxcated .condton .or .whle .under .

the .nfluence .of .drugs; . . . .(v) . .beng .ntoxcated .whle .n, .or .about, .an .auto, .or .whle .havng .custody .of .

an .auto; . . . .(v) . .leavng .the .scene .of .an .accident .wthout .stoppng .to .report; . . . .(v) . .theft .or .unlawful .takng .of .a .motor .vehcle; .or . . . .(v) . .makng .false .statements .n .an .applcaton .for .an .operators .or .chauffeurs .

lcense; .or . .f . . .has, .wthn .the .12 .months .mmedately .precedng .the .notce .of .cancellaton, .

been .convcted .of, .or .forfeted .bal .for, .three .or .more .volatons .of: . . . .() . .any .law, .ordnance .or .regulaton .lmtng .the .speed .of .motor .vehcles; .or . . . .() . .any .of . the .provsons .of . the .motor .vehcle . laws .of .any .state, .volaton .

of .whch .consttutes .a .msdemeanor, .whether .or .not .the .volatons .were .repettons .of .the .same .offense .or .dfferent .offenses;

7 . . .the .covered auto .s: . .a . . .so .mechancally .defectve .that .ts .operaton .mght .endanger .publc .safety; . .b . . .used .n .carryng .passengers .for .hre .or .compensaton . .However, .ths .shall .not .

apply .to .a .shared-expense .car .pool; . .c . . .used .n .the .busness of .transportaton .of .flammables .or .explosves; . .d . . .an .authorzed .emergency .vehcle; . .e . . .changed .n .shape .or .condton .durng .the .polcy .perod .so .as .to .ncrease .the .

rsk .substantally; .or . .f . . .subject .to .an .nspecton .by .law .and .has .not .been .nspected .or, .f .nspected, .

has .faled .to .qualfy;8 . . .your .place .of .resdence, .or .the .state .of .regstraton .or .lcense .of .a covered auto, .

s .changed .to .a .state .or .country .n .whch .we .do .not .accept .applcatons .for .the .n-surance .provded .by .ths .polcy;

9 . . .any .other .reason .permtted .by .statute .

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 .sho