Gold Policy. Report Claims To: Alliance United Insurance Company P.O. Box 6042 Camarillo, CA Phone (800)

Size: px
Start display at page:

Download "Gold Policy. Report Claims To: Alliance United Insurance Company P.O. Box 6042 Camarillo, CA 93011-6042 Phone (800) 508-5833"

Transcription

1 Gold Policy Report Claims To: Alliance United Insurance Company P.O. Box 6042 Camarillo, CA Phone (800) Fraud Warning Pursuant to California Insurance Code Section , you are hereby notified that any person who knowingly presents a false or fraudulent claim for the payment of a loss is guilty of a crime and may be subject to fines and confinement in state prison. Warning No Coverage In Mexico This policy provides no coverage for accidents or losses that occur in Mexico. Unless you have automobile insurance written by a Mexican Insurance Company, you may spend many hours or days in jail if you have an accident in Mexico. Insurance coverage should be secured from a company licensed under the laws of Mexico to write such insurance in order to avoid complications and some other penalties possible under the laws of Mexico, including the possible impoundment of your automobile. Warning Reduction in Coverage There may be a Reduction in Coverage for some drivers of covered vehicles. See pages 9 and 10 of this policy. AG 21 (07/14)

2 CONTENTS POLICY AGREEMENT...1 POLICY PERIOD AND TERRITORY...1 YOUR DUTIES IN CASE OF AN ACCIDENT OR LOSS...1 Notice Of Accident Or Loss...1 Other Duties...1 DISCLOSURE OF HOUSEHOLD MEMBERS...2 FRAUD OR MISREPRESENTATION...2 GENERAL DEFINITIONS...3 PART I LIABILITY TO OTHERS...6 Insuring Agreement Bodily Injury...6 Insuring Agreement Property Damage...6 Additional Definitions...6 Additional Payments...7 Exclusions...7 Limits Of Liability...9 Reduction In Coverage...9 Financial Responsibility Laws...10 Other Insurance...10 Duties...10 PART II MEDICAL PAYMENTS COVERAGE...10 Insuring Agreement...10 Additional Definitions Exclusions Limit Of Liability...13 Right Of Reimbursement...13 Other Insurance...13 Other Payment...14 Payment Of Claims...14 PART III UNINSURED/UNDERINSURED MOTORIST COVERAGE...14 Insuring Agreement Uninsured/Underinsured Motorist Bodily Injury Coverage...14 Insuring Agreement Uninsured Motorist Property Damage Coverage...14 Additional Definitions...15 Exclusions...16 Limits Of Liability...18 Waiver Of Collision Deductible...19 Other Insurance...19 Arbitration...20 Proof Of Claim...21 Trust Agreement...21 PART IV DAMAGE TO A VEHICLE...21 Insuring Agreement Collision And Comprehensive...21 Exclusions...22 Limits Of Liability...25 Total Loss...26 Payment Of Loss...26 No Benefit To Bailee...26 Other Insurance...27

3 Appraisal...27 PART V EMERGENCY TOWING AND LABOR COVERAGE..27 Insuring Agreement Emergency Towing And Labor Coverage...27 PART VI RENTAL REIMBURSEMENT COVERAGE...27 Insuring Agreement Rental Reimbursement Coverage...27 PART VII GENERAL PROVISIONS...28 Policy Changes...28 Additional Premium Due Loss Settlement...28 Transfer...29 Two Or More Vehicles Insured...29 Policy Fee And / Or Filing Fee...29 Payment Of Premium...29 Cancellation...29 Non-renewal...30 Automatic Termination...30 Notice Of Limits Of Future Coverage...30 Proof Of Notice...31 Coverage Changes...31 Legal Action Under This Policy...31 Our Rights To Recover Payment...31 Bankruptcy...32 Consumer Affairs...32 POLICY ENDORSEMENTS...33 MI 01 Information Regarding Premium Discounts...33 MI 02 Auto Body Repair Consumer Bill Of Rights...34 MI 03 Loss Payee Endorsement...35 MI 04 Additional Insured Endorsement...36 MI 05 Named Driver Exclusion Endorsement...36 MI 06 Named Non-Owned Vehicle Coverage Endorsement MI 07 Deletion Of Uninsured/Underinsured Motorist Bodily Injury Coverage...38 MI 08 Deletion Of Uninsured Motorist Property Damage Coverage...39 MI 09 Business/Artisan Use Endorsement...39 MI 10 Named Operator Physical Damage Coverage Endorsement...41 MI 11 Privacy Notice...41

4 PLEASE REFER TO THE GENERAL PROVISIONS SECTION OF THIS POLICY AND READ THE FOLLOWING PROVISIONS CAREFULLY. 1. POLICY CHANGES 2. CANCELLATION 3. NON-RENEWAL THEY MAY AFFECT YOUR COVERAGE IN THE FUTURE. POLICY AGREEMENT If you pay the exact premium as billed by the due date, we agree to provide this insurance, subject to all the terms and provisions of this policy, and up to the Limits of Liability described in this policy and shown on the Declarations Page. POLICY PERIOD AND TERRITORY This policy applies only to accidents and losses occurring during the policy period shown on the Declarations Page and which occur within any state, territory, or possession of the United States of America, or any province of Canada, or while a covered vehicle, non-owned vehicle, or trailer is being transported between their ports. YOUR DUTIES IN CASE OF AN ACCIDENT OR LOSS NOTICE OF ACCIDENT OR LOSS If there is an accident or loss arising out of the ownership, maintenance or use of a vehicle for which coverage may be provided under this policy report it to us within twenty-four (24) hours or as soon as practicable by calling us at You should report each accident or loss even if an insured person is not at fault. The following information should be reported as it is obtained: 1. time; 2. place; 3. circumstances of the accident or loss; 4. names and addresses of any injured persons; 5. names and addresses of any witnesses; and 6. the license plate numbers of the vehicles involved. You should also notify the police within twenty-four (24) hours or as soon as practicable if: 1. a hit-and-run vehicle is involved; or 2. theft or vandalism has occurred. OTHER DUTIES We have no duty to provide coverage under this policy unless there has been full compliance with all terms of this policy. 1

5 A person claiming coverage under this policy must: 1. cooperate with us in any matter concerning a claim or lawsuit; 2. provide any written proof of loss we may reasonably require; 3. allow us to take signed or recorded statements, including statements under oath, and answer all reasonable questions we may ask, when and as often as we may reasonably require; 4. promptly send us any and all legal papers relating to any claim or lawsuit; 5. attend hearings and trials as we require; 6. take reasonable steps after a loss to protect the covered vehicle or non-owned vehicle from further loss. We will pay reasonable expenses incurred in providing that protection. If you fail to do so, any further damages will not be covered under this policy; 7. allow us to inspect and appraise the damage to a covered vehicle or non-owned vehicle before its repair or disposal; 8. submit to medical examinations at our expense by doctors we select as often as we may reasonably require; 9. authorize us to obtain medical and other records; 10. refuse to, except at your own expense, assume any obligation or incur any expense other than medical or surgical care imperative at the scene of the accident and at the time of accident; 11. allow us to extract samples and fluids from your covered vehicle, including, but not limited to; engine oil and transmission oil; and 12. allow us to access and extract all data contained in your covered vehicle s event data recorder. DISCLOSURE OF HOUSEHOLD MEMBERS Unless all individuals age 14 or older residing with you or in your household are listed on your application and the Declarations Page, coverage will not be afforded for those individuals. If you desire coverage for any individual other than those disclosed on the application and listed on the Declarations Page at any time during the policy period, you must request your producer or us to amend your policy to add those individuals. FRAUD OR MISREPRESENTATION This policy was issued in reliance upon the information provided on your insurance application. By your acceptance of this policy, you agree that the facts and information contained in your application and in the Declarations Page of this policy are correct and accurate and that you have not failed to disclose any material facts relating to the risks insured under this policy. We may void this policy and/or deny coverage for an accident or loss if you or an insured person have concealed or misrepresented any material fact or circumstance, or engaged in fraudulent conduct, at the time application was made or at any time during the policy period. We may void this policy or deny coverage for an accident or loss if you or any insured person has concealed or misrepresented any material fact or circumstance, or engaged in fraudulent conduct, in connection with the presentation, investigation 2

6 processing or settlement of a claim. You or the insured person must then reimburse us for all claim payments, administrative costs or processing costs incurred by us. This will include any legal or processing fees incurred during the collection of this reimbursement. We may void this policy for fraud or misrepresentation even after the occurrence of an accident or loss. This means that we will not be liable for any claims or damages which would otherwise be covered. GENERAL DEFINITIONS Except as otherwise defined in this policy, terms appearing in boldface will have the following meaning: 1. Accident means a sudden, unexpected, and unintended occurrence that results in bodily injury and/or property damage. 2. Bodily injury means bodily harm, sickness, or disease, including death that results from bodily harm, sickness, or disease. Bodily injury does not include any bodily harm, sickness or disease which arises out of a medically defined sexually transmitted communicable disease contracted by any insured, nor the exposure of such a disease by any insured to any other person. 3. Business includes a trade, profession, commercial enterprise, occupation, job or any activity for compensation, but shall not include the use of your covered vehicle when used to carry tools or supplies between your home and workplace or job site. 4. Covered vehicle means: a. a vehicle expressly identified by make, model and vehicle identification number on the Declarations Page; b. any additional vehicle on the date you become the owner if: i. you acquire the vehicle during the policy period shown on the Declarations Page; ii. iii. we insure all vehicles owned by you; and no other insurance policy provides coverage for that vehicle. For a vehicle you acquire in addition to any vehicle expressly identified on the Declarations Page, we will provide the broadest coverage we provide for any covered vehicle shown on the Declarations Page. We will provide coverage for a period of thirty (30) days after you become the owner. We will not provide coverage after this thirty (30) day period, unless within this period you ask us to insure the vehicle. However for coverage to apply under Part IV Damage To A Vehicle, you must have notified us of your intent to insure the additional vehicle prior to the loss for which coverage is applicable; c. any replacement vehicle on the date you become the owner if: 3

7 i. you acquire the vehicle during the policy period shown on the Declarations Page; ii. the vehicle that you acquire replaces one shown on the Declarations Page, provided that you have transferred title and possession of the replaced vehicle; and iii. no other insurance policy provides coverage for that vehicle. If the vehicle that you acquire replaces one expressly identified on the Declarations Page, it will have the same coverage as the covered vehicle it replaces. All coverage for the vehicle being replaced ends when you take delivery of the replacement vehicle. You must ask us to insure a replacement vehicle within thirty (30) days after you become the owner if you want to add or continue coverage under Part IV Damage To A Vehicle; and d. any trailer owned by you while drawn by or attached to a vehicle described in a, b, or c above. 5. Declarations Page means the report from us listing: a. the types of coverage you have elected; b. the limit for each coverage; c. the cost for each coverage; d. the specified vehicles covered by this policy; e. the types of coverage for each such vehicle; and f. other information applicable to this policy. 6. Loss means sudden, direct, and accidental loss or damage. 7. Minimum limits refers to the following limits of liability, as required by California law, to be provided under a policy of automobile liability insurance: a. $15,000 for each person, subject to $30,000 for each accident, with respect to bodily injury; and b. $5,000 for each accident with respect to property damage. 8. Non-owned vehicle means any vehicle that: a. is used with express permission of the owner of the vehicle; b. is not owned by: i. you; ii. any person listed as a driver on the Declaration Page; iii. an insured person s employer; iv. a relative; v. your non-resident spouse; vi. a person residing with you; vii. a corporation or partnership in which the combined ownership interest of you and your relatives exceeds twenty percent; and c. has never been owned by or registered to you, or any other person listed as a driver on the Declarations Page. 4

8 9. Occupying means in, on, entering, or exiting. 10. Owned means the person that: a. holds legal title to the vehicle; b. has legal possession of the vehicle that is subject to a written security agreement with an original term of six (6) months or more; or c. has legal possession of the vehicle that is leased to that person under a written agreement for a continuous period of six (6) months or more. 11. Owner means any person who, with respect to a vehicle: a. holds legal title to the vehicle; b. has legal possession of the vehicle that is subject to a written security agreement with an original term of six (6) months or more; or c. has legal possession of the vehicle that is leased to that person under a written agreement for a continuous period of six (6) months or more. 12. Property damage means physical damage to, or destruction or loss of use of, tangible property. 13. Relative means a person residing in the same household as you, and related to you by blood, marriage, or adoption, including a ward, stepchild, or foster child. Unmarried dependent children temporarily away from home will be considered residents if: a. they are under the age of twenty-five (25) years; and b. they intend to continue to reside in your household. 14. Resident and Residing means a person living in the household in which you reside when the accident or loss occurs. 15. Trailer means a vehicle designed to be towed on public roads by a vehicle. It includes a farm wagon or farm implement while being towed by a vehicle. It does not include a mobile home, or a trailer used as an office, store, display, or passenger conveyance. 16. Vehicle means a land motor vehicle: a. of the private passenger, pickup body, or station wagon; b. designed for operation principally upon public roads; c. with at least four (4) wheels; and d. with a gross vehicle weight of 10,000 pounds or less or a load capacity of one (1) ton or less. 17. War means war, whether or not declared, civil war, civil commotion, insurrection, rebellion, revolution, riot, terrorism or any act or condition incident to the foregoing. 18. We, Us, and Our mean the company providing the insurance, as shown on the Declarations Page. 19. You and Your mean a person shown as a named insured on the Declarations Page, and that person s spouse (not 5

9 including common-law marriage) if residing in the same household and disclosed on the application for this policy. PART I LIABILITY TO OTHERS INSURING AGREEMENT BODILY INJURY INSURING AGREEMENT PROPERTY DAMAGE Subject to the Limits of Liability, if you pay a premium for bodily injury and property damage liability coverage, we will pay damages, other than punitive or exemplary damages, for bodily injury and/or property damage for which an insured person becomes legally responsible because of an accident arising out of the ownership, maintenance, or use of a vehicle. We will defend any lawsuit for damages which are payable under this policy Part I, or settle any claim for those damages as we think appropriate. We have no duty to settle or defend any lawsuit or make any additional payments after we have paid or offered to pay the Limit of Liability for this coverage. If, in the defense of any claim, an insured person is entitled by law to independent counsel, and has not waived that right in writing, we will provide such counsel. The insured person may choose independent counsel provided that such counsel has the following minimum qualifications: 1. at least five (5) years of experience in civil litigation, including substantial defense experience in the subject at issue in the action; and 2. errors and omissions coverage. We are not obligated to pay the fees of such counsel until the insured person provides us with reasonable written proof that the counsel chosen possesses these minimum qualifications. In no event are we obligated to pay fees in excess of the rate actually paid by us to an attorney in the ordinary course of business in the defense of a similar action in the community in which the claim arose or is being defended. We have no duty to defend any suit or settle any claim for bodily injury or property damage not covered under this policy. ADDITIONAL DEFINITIONS When used in this Part I, insured person or insured persons means: 1. you with respect to an accident arising out of the ownership, maintenance, or use of a covered vehicle; 2. a relative with respect to an accident arising out of the ownership, maintenance, or use of a covered vehicle; 3. any person with respect to an accident arising out of that person s use of a covered vehicle with your express permission and within the scope of your permission, so long as that person was not a resident of your household unless disclosed on the application for this policy or added by endorsement. Such person must hold a valid driver s license or permit at the time of accident or loss, unless the person is listed on the Declarations Page as a driver; 6

10 4. a relative listed as a driver on the Declarations Page with respect to an accident arising out of the use of a non-owned vehicle with the express or implied permission of the owner of the vehicle; or 5. you with respect to an accident arising out of the maintenance or use of any vehicle with the express or implied permission of the owner of the vehicle. ADDITIONAL PAYMENTS In addition to our Limit of Liability, we will pay for an insured person: 1. all expenses we incur in the settlement of any claim or defense of any lawsuit; 2. interest accruing after entry of judgment, until we have paid or tendered that portion of the judgment which does not exceed our Limit of Liability. This does not apply if we have not been given notice of suit or the opportunity to defend an insured person; 3. premiums on appeal bonds or attachment bonds required in any lawsuit we defend. We have no duty to purchase bonds in an amount exceeding our Limit of Liability, and we have no duty to apply for or furnish these bonds; 4. up to $100 for a bail bond required because of an accident arising out of the ownership, maintenance, or use of a covered vehicle or non-owned vehicle. We have no duty to apply for or furnish this bond; and 5. reasonable expenses, including loss of earnings up to $50 a day, incurred at our request. EXCLUSIONS READ THE FOLLOWING EXCLUSIONS CAREFULLY. IF AN EXCLUSION APPLIES, COVERAGE WILL NOT BE AFFORDED UNDER THIS PART I. Coverage under this Part I, including our duty to defend, does not apply to: 1. bodily injury or property damage arising out of the ownership, maintenance, or use of a vehicle while being used to carry persons or property for compensation or a fee, including, but not limited to, delivery of magazines, newspapers, food, or any other products. This exclusion does not apply to shared-expense car pools; 2. any liability assumed by an insured person under any oral or written contract or agreement; 3. bodily injury to an employee of an insured person arising out of and in the course and scope of employment. Coverage does apply to a domestic employee unless benefits are payable or are required to be provided under any workers compensation, disability benefits or other similar law; 4. bodily injury or property damage arising out of an accident involving a vehicle while being used by an insured person while employed or engaged in the business of selling, leasing, repairing, parking, storing, servicing, delivering, or testing vehicles; 7

11 5. bodily injury or property damage due to nuclear reaction or radiation; 6. bodily injury or property damage for which insurance is afforded under a nuclear energy liability insurance contract. This exclusion applies even if the limits of the nuclear energy liability insurance are exhausted; 7. bodily injury or property damage caused by an intentional act of the insured person against whom the claim is made or at the direction of such insured person; 8. property damage to any property owned by, rented to, being transported by, used by, or in the charge of an insured person. However, this exclusion does not apply to a rented residence or a rented garage damaged by a covered vehicle; 9. bodily injury to: a. an insured person; b. any person listed as a driver on the Declarations Page; or c. any person residing with you; 10. bodily injury or property damage resulting from a relative s operation or use of a vehicle, other than a covered vehicle, owned by a person who resides with you; 11. bodily injury or property damage resulting from your operation or use of a vehicle owned by you, other than a covered vehicle; 12. bodily injury to you, a relative or any other person insured under this policy whenever the ultimate benefits of that indemnification accrue directly or indirectly to you, a relative or any other insured person; 13. bodily injury or property damage caused by any person using a vehicle without the express or implied permission of the owner or person having lawful possession, or any person who exceeds the scope of the permission granted; 14. bodily injury or property damage arising out of the ownership, maintenance or use of any vehicle used by an insured person while engaged in business activities; 15. bodily injury or property damage arising out of the ownership, maintenance or use of any motorized vehicle with less than four (4) wheels or a vehicle with more than four (4) wheels and a load capacity of more than one (1) ton unless listed on the Declarations Page; 16. bodily injury or property damage occurring outside the United States or any province of Canada; benefits payable under the no-fault laws of any state; 17. bodily injury or property damage occurring while your covered vehicle is rented or leased to others; 18. bodily injury or property damage caused by war or any consequence of war; 19. bodily injury or property damage arising out of the ownership, operation, maintenance or use of your covered auto while the vehicle is being used in connection with a personal vehicle sharing program by anyone other than you or a relative who is a resident and listed on the Declarations Page; or 20. bodily injury or property damage arising out of the ownership, maintenance, or use of a vehicle for the purpose of competing in or practicing or preparing for any prearranged or organized racing or speed contest. 8

12 LIMITS OF LIABILITY The Limits of Liability shown on the Declarations Page is the most we will pay regardless of the number of: 1. claims made; 2. covered vehicles; 3. insured persons; 4. lawsuits brought; 5. vehicles involved in an accident; or 6. premiums paid. The Limits of Liability shown in your Declarations Page for Part I are subject to the following: 1. the bodily injury liability limit for each person is the maximum we will pay for all damages from bodily injury sustained by one (1) person in any one (1) accident; 2. the bodily injury liability limit for each accident is the maximum we will pay for bodily injury sustained by two (2) or more persons in any one (1) accident, subject to the bodily injury liability limit for each person; and 3. the property damage liability limit for each accident is the maximum we will pay for property damage in any one (1) accident. The bodily injury limit for each person includes the aggregate of claims made for such bodily injury and claims derived from such bodily injury, including, but not limited to, loss of society, loss of companionship, loss of services, loss of consortium, and wrongful death. No one will be entitled to duplicate payments for the same elements of damages. Any payment to a person under this Part I shall be reduced by any payment to that person under Part III Uninsured/Underinsured Motorist Coverage. A vehicle and attached trailer are considered one (1) vehicle. Therefore, the Limits of Liability will not be increased for an accident involving a vehicle which has an attached trailer. REDUCTION IN COVERAGE The Limits of Liability shown on the Declarations Page for coverage provided under this Part I are amended and reduced to the minimum limits required by the applicable Financial Responsibility Law of the State of California for any coverage provided to a person; 1. other than you or a driver listed on the Declarations Page; or 2. to an insured person: a. Who causes bodily injury or property damage while operating a covered vehicle while that insured person is unlawfully under the influence of alcohol or drugs; 9

13 b. Who causes bodily injury or property damage while committing a felony while in the operation of a covered vehicle; c. Who causes bodily injury or property damage while attempting to avoid apprehension or arrest by a law enforcement official; or d. While operating a covered vehicle without a valid driver s license or permit unless that person is the named insured or listed as a driver on the Declarations Page. FINANCIAL RESPONSIBILITY LAWS When we certify this policy as proof of financial responsibility, this policy will comply with the law to the extent required. You must reimburse us if we make a payment that we would not have made if this policy was not certified as Proof of Financial Responsibility. OTHER INSURANCE If there is other applicable liability insurance or bond, we will pay only our share of the damages. Our share is the proportion that our Limits of Liability bears to the total of all applicable limits. Any insurance we provide for a vehicle, other than a covered vehicle, will be excess over any other collectible insurance, self-insurance, or bond. DUTIES In addition to fulfilling the required duties set forth in the Your Duties In Case Of An Accident Or Loss section of this policy, any insured person must cooperate with us and at our request attend hearings and trials and assist in making settlements, in securing and giving evidence, in obtaining the attendance of witnesses and in the conduct of suits. Insured persons shall not, except at their own cost make any payment, assume any obligation or incur any expense. No attorney fees or costs incurred by or on behalf of any insured person prior to the date notice is given to us of a lawsuit shall be payable under this policy. No other costs incurred by or on behalf of any insured person prior to the date notice is given to us shall be payable under this policy. If a claim is made or lawsuit is brought against any insured person, any papers, including legal papers received by any insured relating to such claim or lawsuit, must be sent to us immediately. PART II MEDICAL PAYMENTS COVERAGE INSURING AGREEMENT Subject to the Limits of Liability shown on the Declarations Page and the Right of Reimbursement provision under this Part II, if 10

14 you pay a premium for medical payments coverage, we will pay the usual and customary charge for reasonable and necessary medical expenses, incurred within one (1) year from the date of an accident, for medical and funeral services because of bodily injury: 1. caused by the accident; and 2. sustained by an insured person. ADDITIONAL DEFINITIONS When used in this Part II: 1. Insured person and insured persons mean: a. you or any relative while occupying a covered vehicle or non-owned vehicle, or when struck by a motor vehicle or trailer while not occupying a motor vehicle; and b. any other person while occupying a covered vehicle. 2. Medical expenses means reasonable and necessary medical, surgical, dental, x-ray, ambulance, hospital expenses and funeral services, and includes the cost of pharmaceuticals, orthopedics, and prosthetic devices. 3. Usual and customary charge means an amount which we determine represents a customary charge for services in the geographical area in which the service is rendered. We shall determine this customary charge through the use of independent sources of our choice. EXCLUSIONS READ THE FOLLOWING EXCLUSIONS CAREFULLY. IF AN EXCLUSION APPLIES, COVERAGE WILL NOT BE AFFORDED UNDER THIS PART II. Coverage under this Part II does not apply to: 1. bodily injury sustained while occupying a covered vehicle while being used to carry persons or property for compensation or a fee, including, but not limited to, delivery of magazines, newspapers, food, or any other products. This exclusion does not apply to shared-expense car pools; 2. bodily injury sustained while occupying any vehicle used as a residence or premises; 3. bodily injury if workers compensation benefits are available for the bodily injury; 4. bodily injury arising out of an accident involving a vehicle while being used by an insured person while engaged in the business of selling, leasing, repairing, parking, storing, servicing, delivering, or testing vehicles. However, this exclusion does not apply to you, a relative, or an agent or employee of you or a relative, when using a covered vehicle; 5. bodily injury sustained while occupying a vehicle for the purpose of competing in or practicing or preparing for any prearranged or organized racing or speed contest ; 6. bodily injury due to nuclear reaction or radiation; 7. bodily injury for which insurance is afforded under a nuclear energy liability insurance contract. This exclusion applies even if the limits of the nuclear energy liability insurance are 11

15 exhausted; 8. bodily injury sustained by any person while occupying a covered vehicle without the express or implied permission of you or a relative; 9. bodily injury sustained by you or a relative while occupying a non-owned vehicle without the express or implied permission of the owner; 10. medical or funeral expenses paid, payable, or eligible for payment under any: a. motor vehicle or premises insurance affording benefits for medical or funeral expenses; b. individual, blanket, or group accident, disability, health or hospitalization insurance; c. medical, surgical, hospital or funeral service, benefits or reimbursement plan; or d. workers compensation or disability benefits law, or any similar law; 11. bodily injury sustained while any insured person is occupying any motorized vehicle with less than four (4) wheels, or a vehicle with more than four (4) wheels and a load capacity of more than one (1) ton and is listed on the Declarations Page; 12. bodily injury caused by war or any consequence of war; 13. bodily injury occurring outside the United States or any province of Canada; 14. bodily injury occurring while your covered vehicle is rented or leased to others; 15. bodily injury sustained while your covered vehicle is being operated by a person excluded from coverage under this policy under a Named Driver Exclusion Endorsement; 16. bodily injury sustained while an insured person commits or attempts to commit or is fleeing a felony, or by the insured person s involvement in an illegal occupation; 17. bodily injury sustained by the owner of any non-owned vehicle; 18. bodily injury sustained while occupying, or when struck by, your covered auto while the vehicle is being used in connection with a personal vehicle sharing program by anyone other than you or a relative who is a resident and listed on the Declarations Page; 19. bodily injury arising out of the ownership, maintenance or use of any vehicle used by an insured person while engaged in business activities; or 20. bodily injury while operating a vehicle while that insured person is under the influence of: a. Alcohol; or b. A controlled substance as defined by the Federal Food and Drug Law at 21 U.S.C.A. Sections 811 and 812. Controlled Substances include but are not limited to cocaine, LSD, marijuana and all narcotic drugs. This Exclusion does not apply to the legitimate use of prescription drugs by a person following the orders of a licensed physician. 12

16 LIMIT OF LIABILITY The Medical Payments Limit of Liability shown on the Declarations Page is the most we will pay for each insured person injured in any one (1) accident, regardless of the number of: 1. claims made; 2. covered vehicles; 3. insured persons; 4. lawsuits brought; 5. vehicles involved in an accident; or 6. premiums paid. Any amounts payable to an insured person under this Part II will be reduced by any amounts paid or payable for the same expense under Part I Liability To Others or Part III Uninsured/ Underinsured Motorist Coverage. RIGHT OF REIMBURSEMENT If payment is made by us to or on behalf of an insured person under this Part II, the insured person shall reimburse us from the proceeds of any sums received from any other sources for such medical and funeral expenses. Any amount recovered by the insured person shall be held by the insured person in trust for us and reimbursed to us within 30 days of receipt of such proceeds to the extent of our payments made under this Part II. This includes reimbursement to us out of any: 1. sums paid by or on behalf of any persons or organizations who may be legally responsible; and 2. sums paid under the provisions of any: a. motor vehicle or premises insurance affording benefits for medical expenses; b. individual, blanket, or group accident, disability, health or hospitalization insurance; c. medical, surgical, hospital or funeral service, benefits or reimbursement plan; and d. workers compensation or disability benefits law, or any similar law. In order to protect our right of reimbursement, we may notify persons or organizations that may be legally responsible for payment of medical or funeral expenses to or on behalf of the insured person. OTHER INSURANCE If there is other applicable insurance or self-insurance providing coverage for medical or funeral expenses, any insurance we provide shall be excess over the other applicable insurance or selfinsurance. If there is other applicable excess insurance or selfinsurance, we will pay only our share of the excess expenses. Our share is the proportion that our Limit of Liability bears to the total of all applicable excess limits. 13

17 OTHER PAYMENT If an insured person recovers any or all of their medical expenses from any source other than from us prior to an insured person bringing a claim under this Part, the insured person will have no right to recover that amount recovered for medical expenses under this Part II. PAYMENT OF CLAIMS We may pay you or any other person making a claim under this policy Part II or any person or organization rendering medical or funeral services. The total amount available under this Part shall be reduced by any payment made by us under this Part. Payment by us shall not constitute an admission that the medical or funeral expenses were reasonable, necessary or otherwise covered under this Part. PART III UNINSURED/UNDERINSURED MOTORIST COVERAGE INSURING AGREEMENT UNINSURED/UNDERINSURED MOTORIST BODILY INJURY COVERAGE Subject to the Limits of Liability, if you pay a premium for Uninsured/ Underinsured Motorist Bodily Injury Coverage, we will pay for damages, other than punitive or exemplary damages, which an insured person is legally entitled to recover from the owner or operator of an uninsured motor vehicle or underinsured motor vehicle because of bodily injury: 1. sustained by an insured person; 2. caused by accident; and 3. arising out of the ownership, maintenance, or use of an uninsured motor vehicle or underinsured motor vehicle. We will pay for damages which an insured person is legally entitled to recover for bodily injury from the owner or operator of an underinsured motor vehicle only after the limits of liability under all applicable bodily injury liability bonds or policies have been exhausted by payment of judgment or settlements. INSURING AGREEMENT UNINSURED MOTORIST PROPERTY DAMAGE COVERAGE Subject to the Limits of Liability, if you pay a premium for Uninsured Motorist Property Damage Coverage, we will pay for damages, other than punitive or exemplary damages, which an insured person is legally entitled to recover from the owner or operator of an uninsured motor vehicle due to property damage: 1. caused by accident; and 2. arising out of the ownership, maintenance or use of an uninsured motor vehicle. You, or someone on your behalf, must notify us of any accident resulting in property damage within ten (10) business days from the date of the accident. 14

18 ADDITIONAL DEFINITIONS When used in this Part III: 1. Insured person and insured persons mean: a. you or a relative; b. any person occupying a covered vehicle; c. any person occupying a non-owned vehicle while it is being operated by you; and d. any person who is entitled to recover damages covered by this Part III because of bodily injury sustained by a person described in a, b, or c above. 2. Property damage means physical damage to, or destruction of, a covered vehicle. It does not include loss of use of the covered vehicle. 3. Underinsured motor vehicle means a land motor vehicle to which a bodily injury liability bond, policy, cash deposit, or self-insurance certificate applies at the time of the accident, but the sum of all such bonds, policies, deposits or selfinsurance is less than the coverage limit for Underinsured Motorist Coverage shown on the Declarations Page. An underinsured motor vehicle does not include any vehicle or equipment: a. owned by you or a relative; b. owned by any governmental unit or agency; c. operated on rails or crawler treads; d. designed mainly for use off public roads, while not on public roads; e. while used as a residence or premises; f. expressly identified by make, model and vehicle identification number on the Declarations Page of this policy; or g. not required to be registered as a motor vehicle. 4. Uninsured motor vehicle means a land motor vehicle or trailer of any type: a. to which no liability bond or policy applies at the time of the accident; b. to which a liability bond or policy applies at the time of the accident, but the bonding or insuring company: i. denies coverage or refuses to admit coverage thereunder except conditionally or with reservation; or ii. is or becomes insolvent within two (2) years of the accident; or c. that is a hit-and-run vehicle whose operator or owner cannot be identified and which causes bodily injury by physically contacting: i. you or a relative; or ii. a vehicle that an insured person is occupying; provided the insured person, or someone on his or her behalf, reports the accident to the police or civil authority within twenty-four (24) hours or as soon as practicable after the accident. Within thirty (30) days 15

19 of the accident the insured person, or someone on his or her behalf, must also provide us with a statement under oath that the insured person, or his or her legal representative, has a cause of action against the owner or operator of a vehicle who cannot be identified. The statement must set forth facts supporting the claim. At our request, the insured person must make available for inspection the vehicle which the insured person was occupying at the time of the accident. An uninsured motor vehicle does not include any vehicle or equipment: a. owned by you or a relative; b. owned or operated by a self-insurer under any applicable vehicle law, except a self-insurer that is or becomes insolvent; c. owned by any governmental unit or agency; d. operated on rails or crawler treads; e. designed mainly for use off public roads, while not on public roads; f. while used as a residence or premises; g. expressly identified by make, model and vehicle identification number on the Declarations Page of this policy; or h. not required to be registered as a motor vehicle. 5. You and Your mean a person shown as a named insured on the Declarations Page and that person s spouse. EXCLUSIONS READ THE FOLLOWING EXCLUSIONS CAREFULLY. IF AN EXCLUSION APPLIES, COVERAGE WILL NOT BE AFFORDED UNDER THIS PART III. Coverage under this Part III does not apply to: 1. bodily injury sustained by any person while occupying your covered vehicle while being used to carry persons or property for compensation or a fee, including, but not limited to, delivery of magazines, newspapers, food, or any other products. This exclusion does not apply to shared-expense car pools; 2. property damage sustained while a covered vehicle is being used to carry persons or property for compensation or a fee, including, but not limited to, delivery of magazines, newspapers, food, or any other products. This exclusion does not apply to shared-expense car pools; 3. bodily injury sustained by any person while using or occupying a covered vehicle without the express permission of you or a relative; 4. bodily injury sustained by any person while using or occupying a non-owned vehicle without the express or implied permission of the owner; 5. bodily injury sustained by any person while using or occupying a vehicle owned by you or a relative, other than a covered vehicle; 16

20 6. bodily injury or property damage while your covered vehicle is being operated by a person excluded from coverage under this policy under a Named Driver Exclusion Endorsement; 7. bodily injury sustained by any person while using or occupying a motor vehicle, other than a covered vehicle, if the owner has insurance similar to that provided under this Part III; 8. bodily injury sustained by any person if that person or the legal representative of that person makes a settlement or prosecutes any action to judgment without our written consent; 9. bodily injury sustained while occupying a vehicle owned or leased (for at least 6 months) which is not a covered vehicle; 10. bodily injury or property damage occurring outside the United States or any province of Canada; 11. property damage sustained while using a vehicle for the purpose of competing in or practicing or preparing for any prearranged or organized racing or speed contest ; 12. property damage sustained while a covered vehicle is being used or driven by any person engaged in the business of selling, leasing, repairing, parking, storing, servicing, delivering or testing vehicles. However, this exclusion does not apply to you, a relative, or an agent or employee of you or a relative when using a covered vehicle; 13. property damage due to nuclear reaction or radiation; 14. property damage for which insurance is afforded under a nuclear energy liability insurance contract. This exclusion applies even if the limits of the nuclear energy liability insurance are exhausted; 15. property damage to a trailer; 16. property damage if there is no actual, direct physical contact between the uninsured motor vehicle and the covered vehicle; 17. property damage if the owner or operator of the uninsured motor vehicle, or the license plate number of the uninsured motor vehicle, cannot be identified; 18. a claim for diminution in value of your covered vehicle; 19. a claim for loss of use of your covered vehicle; 20. loss or damage to personal property contained within your covered vehicle, except a child passenger restraint system; 21. property damage to a vehicle, other than a covered vehicle; 22. bodily injury or property damage sustained while any insured person is occupying any motorized vehicle with less than four (4) wheels, or a vehicle with more than four (4) wheels and a load capacity of more than one (1) ton and is listed on the Declarations Page; 23. bodily injury or property damage sustained while an insured person commits or attempts to commit or is fleeing a felony, or by the insured person s involvement in an illegal occupation; 24. bodily injury or property damage arising out of the ownership, maintenance or use of any vehicle used by an insured person, while otherwise engaged in business activities; 25. bodily injury sustained by the owner of a non-owned vehicle; 26. any bodily injury or property damage claim due to the 17

Millennium Policy. Report Claims To: Alliance United Insurance Company P.O. Box 6042 Camarillo, CA 93011-6042 Phone (800) 508-5833

Millennium Policy. Report Claims To: Alliance United Insurance Company P.O. Box 6042 Camarillo, CA 93011-6042 Phone (800) 508-5833 Millennium Policy Report Claims To: Alliance United Insurance Company P.O. Box 6042 Camarillo, CA 93011-6042 Phone (800) 508-5833 Fraud Warning Pursuant to California Insurance Code Section 1879.2, you

More information

DISCOVERY INSURANCE COMPANY PO BOX 200 KINSTON, NORTH CAROLINA 28502

DISCOVERY INSURANCE COMPANY PO BOX 200 KINSTON, NORTH CAROLINA 28502 PERSONAL AUTO POLICY STOCK COMPANY DISCOVERY INSURANCE COMPANY PO BOX 200 KINSTON, NORTH CAROLINA 28502 THESE POLICY PROVISIONS WITH THE DECLARATIONS PAGE AND ENDORSEMENTS, IF ANY, ISSUED TO FORM A PART

More information

OREGON MUTUAL INSURANCE GROUP G0574AO (1-10) SECTION II - PERSONAL INJURY PROTECTION

OREGON MUTUAL INSURANCE GROUP G0574AO (1-10) SECTION II - PERSONAL INJURY PROTECTION OREGON MUTUAL INSURANCE GROUP G0574AO (1-10) SECTION II - PERSONAL INJURY PROTECTION We agree with you, subject to all the terms of this endorsement and to all of the terms of the policy unless modified

More information

FLORIDA PERSONAL INJURY PROTECTION

FLORIDA PERSONAL INJURY PROTECTION POLICY NUMBER: COMMERCIAL AUTO CA 22 10 01 08 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. FLORIDA PERSONAL INJURY PROTECTION For a covered "auto" licensed or principally garaged in,

More information

ONYX BUSINESS AUTO POLICY COVERAGE

ONYX BUSINESS AUTO POLICY COVERAGE ONYX BUSINESS AUTO POLICY COVERAGE Various provisions in this policy restrict overage Read the entire policy carefully to determine rights, duties and what is and is not covered. Throughout this policy

More information

AMENDATORY ENDORSEMENT NORTH CAROLINA PERSONAL AUTO POLICY

AMENDATORY ENDORSEMENT NORTH CAROLINA PERSONAL AUTO POLICY AMENDATORY ENDORSEMENT NORTH CAROLINA PERSONAL AUTO POLICY This Endorsement amends the Policy as follows: I. DEFINITIONS The Definitions Section is amended as follows: A. The third paragraph is replaced

More information

MENDAKOTA CASUALTY COMPANY (Serviced by KAI Advantage Auto, Inc.) PERSONAL AUTOMOBILE INSURANCE POLICY ILLINOIS

MENDAKOTA CASUALTY COMPANY (Serviced by KAI Advantage Auto, Inc.) PERSONAL AUTOMOBILE INSURANCE POLICY ILLINOIS MENDAKOTA CASUALTY COMPANY (Serviced by KAI Advantage Auto, Inc.) PERSONAL AUTOMOBILE INSURANCE POLICY ILLINOIS IMPORTANT Notify the Company s claim office in Itasca, Illinois by telephone, of every accident

More information

PERSONAL AUTOMOBILE INSURANCE POLICY ILLINOIS IMPORTANT

PERSONAL AUTOMOBILE INSURANCE POLICY ILLINOIS IMPORTANT PERSONAL AUTOMOBILE INSURANCE POLICY ILLINOIS IMPORTANT Notify the Company at 7400 N. Caldwell, Niles, IL 60714, (773) 299-7500, of EVERY accident, however slight, immediately upon its occurrence. Delay

More information

PERSONAL AUTOMOBILE INSURANCE POLICY ILLINOIS IMPORTANT

PERSONAL AUTOMOBILE INSURANCE POLICY ILLINOIS IMPORTANT PERSONAL AUTOMOBILE INSURANCE POLICY ILLINOIS IMPORTANT Notify the Company at 4245 N. Knox, Chicago, IL 60641, (773) 458-1010, of EVERY accident, however slight, immediately upon its occurrence. Delay

More information

NEVADA NAMED NON-OWNER PERSONAL AUTO POLICY READY REFERENCE TO YOUR AUTO POLICY

NEVADA NAMED NON-OWNER PERSONAL AUTO POLICY READY REFERENCE TO YOUR AUTO POLICY NEVADA NAMED NON-OWNER PERSONAL AUTO POLICY SAFECO INSURANCE COMPANY OF AMERICA FIRST NATIONAL INSURANCE COMPANY OF AMERICA Home Office: Safeco Plaza, Seattle, Washington 98185-0001 SAFECO INSURANCE COMPANY

More information

SPECIMEN. Personal Auto Policy AGREEMENT

SPECIMEN. Personal Auto Policy AGREEMENT Personal Auto PP 00 01 01 05 Personal Auto Policy AGREEMENT In return for payment of the premium and subject to all the terms of this policy, we agree with you as follows: DEFINITIONS A. Throughout this

More information

NORTH DAKOTA PERSONAL INJURY PROTECTION ENDORSEMENT

NORTH DAKOTA PERSONAL INJURY PROTECTION ENDORSEMENT COMMERCIAL AUTO CA 22 34 10 13 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NORTH DAKOTA PERSONAL INJURY PROTECTION ENDORSEMENT For a covered "auto" licensed or principally garaged in,

More information

TABLE OF CONTENTS Minimum Provisions for Automobile Liability Insurance Policies Covering Motor Vehicles

TABLE OF CONTENTS Minimum Provisions for Automobile Liability Insurance Policies Covering Motor Vehicles Insurance Department Sec. 38a-334 page 1 (10-00) TABLE OF CONTENTS Minimum Provisions for Automobile Liability Insurance Policies Covering Motor Vehicles Required areas of coverage.... 38a-334-1 Definitions....

More information

AUTO INSURANCE POLICY

AUTO INSURANCE POLICY AUTO INSURANCE POLICY WHERE TO FIND IT INSURANCE AGREEMENT AND DECLARATIONS GENERAL DEFINITIONS AUTOMOBILE LIABILITY Additional Definitions For This Coverage Coverage Provided Additional Benefits We Will

More information

Personal Auto Policy

Personal Auto Policy NEW YORK Personal Auto Policy For questions about your policy, please call: 1-800-926-6012 Esurance Property and Casualty Insurance Company 650 Davis Street San Francisco, CA 94111-1904 Fraud Statement:

More information

PERSONAL AUTO POLICY

PERSONAL AUTO POLICY PERSONAL AUTO PP 00 01 01 05 PERSONAL AUTO POLICY AGREEMENT In return for payment of the premium and subject to all the terms of this policy, we agree with you as follows: DEFINITIONS A. Throughout this

More information

UNIQUE INSURANCE COMPANY GEORGIA

UNIQUE INSURANCE COMPANY GEORGIA UNIQUE INSURANCE COMPANY GEORGIA PERSONAL AUTOMOBILE INSURANCE POLICY UIC PPA GA 09_14 Table of Contents AGREEMENT General Definitions............................. 3, 4 PART I LIABILITY COVERAGE Insuring

More information

PERSONAL AUTO POLICY AGREEMENT In return for payment of the premium and subject to all the terms of this policy, we agree with you as follows:

PERSONAL AUTO POLICY AGREEMENT In return for payment of the premium and subject to all the terms of this policy, we agree with you as follows: PERSONAL AUTO PP 00 01 06 98 PERSONAL AUTO POLICY AGREEMENT In return for payment of the premium and subject to all the terms of this policy, we agree with you as follows: A. Throughout this policy, "you"

More information

e-copy Michigan Personal Auto Policy Bristol West Preferred Insurance Company Claims HelpPoint Claim Services 1-800-527-3907

e-copy Michigan Personal Auto Policy Bristol West Preferred Insurance Company Claims HelpPoint Claim Services 1-800-527-3907 Bristol West is a member of the Farmers Insurance Group of Companies. Michigan Personal Auto Policy Claims HelpPoint Claim Services 1-800-527-3907 All Other Calls 1-888-888-0080 (Toll-Free) Bristol West

More information

California Basic Auto Policy

California Basic Auto Policy Bristol West is a member of the Farmers Insurance Group of companies. California Basic Auto Policy Coast National Insurance Company IMPORTANT NOTICE The insured has made Coast National Insurance Company

More information

PERSONAL AUTO POLICY

PERSONAL AUTO POLICY PERSONAL AUTO PP 00 01 01 05 PERSONAL AUTO POLICY AGREEMENT In return for payment of the premium and subject to all the terms of this policy, we agree with you as follows: A. Throughout this policy, "you"

More information

Personal Auto Policy. We know how important it is for you to stay on the move.

Personal Auto Policy. We know how important it is for you to stay on the move. Personal Auto Policy We know how important it is for you to stay on the move. Detriot, Michigan CIM Insurance Corporation MIC Property and Casualty Insurance Corporation Motors Insurance Corporation St.

More information

PERSONAL AUTO POLICY

PERSONAL AUTO POLICY PERSONAL AUTO PP 00 01 06 98 PERSONAL AUTO POLICY AGREEMENT In return for payment of the premium and subject to all the terms of this policy, we agree with you as follows: DEFINITIONS A. Throughout this

More information

OREGON LAWS 2015 Chap. 5 CHAPTER 5

OREGON LAWS 2015 Chap. 5 CHAPTER 5 CHAPTER 5 AN ACT SB 411 Relating to personal injury protection benefits; creating new provisions; and amending ORS 742.500, 742.502, 742.504, 742.506, 742.524 and 742.544. Be It Enacted by the People of

More information

VIRGINIA PERSONAL AUTO POLICY

VIRGINIA PERSONAL AUTO POLICY VIRGINIA PERSONAL AUTO POLICY READ YOUR POLICY, DECLARATIONS AND ENDORSEMENTS CAREFULLY The automobile insurance contract between the named insured and the company shown on the Declarations page consists

More information

Personal Automobile Policy

Personal Automobile Policy Personal Automobile Policy 4245 N. Knox Avenue Chicago, IL 60641 Phone (773) 458-1055 www.stonegateins.com A Stock Insurance Company YOUR AUTO POLICY QUICK REFERENCE 8912-009 (Ed. 01-08) DECLARATIONS PAGE

More information

STANDARD PERSONAL AUTO POLICY TABLE OF CONTENTS

STANDARD PERSONAL AUTO POLICY TABLE OF CONTENTS STANDARD PERSONAL AUTO POLICY TABLE OF CONTENTS PART A LIABILITY COVERAGE PART B MEDICAL PAYMENTS COVERAGE PART C UNINSURED MOTORISTS COVERAGE - NEW JERSEY PART D COVERAGE FOR DAMAGE TO YOUR AUTO PART

More information

13.12.3.1 ISSUING AGENCY: New Mexico Public Regulation Commission Insurance Division. [7/1/97; 13.12.3.1 NMAC - Rn & A, 13 NMAC 12.3.

13.12.3.1 ISSUING AGENCY: New Mexico Public Regulation Commission Insurance Division. [7/1/97; 13.12.3.1 NMAC - Rn & A, 13 NMAC 12.3. TITLE 13 CHAPTER 12 PART 3 INSURANCE MOTOR VEHICLE INSURANCE UNINSURED AND UNKNOWN MOTORISTS COVERAGE 13.12.3.1 ISSUING AGENCY: New Mexico Public Regulation Commission Insurance Division. [7/1/97; 13.12.3.1

More information

LOUISIANA HIRED AUTO AND NON-OWNED AUTO LIABILITY/UNINSURED MOTORISTS INSURANCE (BODILY INJURY)

LOUISIANA HIRED AUTO AND NON-OWNED AUTO LIABILITY/UNINSURED MOTORISTS INSURANCE (BODILY INJURY) POLICY NUMBER: COMMERCIAL GENERAL LIABILITY CG 04 19 01 96 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. LOUISIANA HIRED AUTO AND NON-OWNED AUTO LIABILITY/UNINSURED MOTORISTS INSURANCE

More information

Page 1 of 20. Auto. Sample Document. Policy AFA10

Page 1 of 20. Auto. Sample Document. Policy AFA10 Page 1 of 20 Auto Policy AFA10 Policy number Policy effective Policyholders Page 2 of 20 Table of Contents GENERAL PROVISIONS... 3 When And Where The Policy Applies... 3 Conformity To State Statutes...

More information

Page 1 of 20. Motorcycle Policy. Sample Document AIU342

Page 1 of 20. Motorcycle Policy. Sample Document AIU342 Page 1 of 20 Motorcycle Policy AIU342 Policy number Policy effective Policyholders Page 2 of 20 Table of Contents General...4 When And Where The Policy Applies...4 Insurance Coverage In Mexico...4 Premium

More information

Virginia Personal Auto Policy

Virginia Personal Auto Policy Virginia Personal Auto Policy We know how important it is for you to stay on the move. St. Louis, Missouri GMAC Insurance Company Online, Inc. MIC General Insurance Corporation National General Insurance

More information

California Personal Automobile Policy

California Personal Automobile Policy California Personal Automobile Policy We know how important it is for you to stay on the move. 500 W 5th Street Winston Salem, NC 27101-2728 Integon National Insurance Company INTEGON NATIONAL INSURANCE

More information

BEAR RIVER MUTUAL INSURANCE COMPANY. Car Owner Policy Non-Assessable UTAH

BEAR RIVER MUTUAL INSURANCE COMPANY. Car Owner Policy Non-Assessable UTAH BEAR RIVER MUTUAL INSURANCE COMPANY Car Owner Policy Non-Assessable UTAH THIS POLICY IS FOR THOSE WHO NEVER USE OR CONSUME ALCOHOL, ILLEGAL DRUGS OR ILLEGAL SUBSTANCES Bear River Mutual Insurance Company

More information

Motor Vehicle Policy Amendment Additional lnterest - Additional Insured - Lessor Massachusetts - (M- 0070-S Ed. 04-08)

Motor Vehicle Policy Amendment Additional lnterest - Additional Insured - Lessor Massachusetts - (M- 0070-S Ed. 04-08) Policy Number: Motor Vehicle Policy Amendment Additional lnterest - Additional Insured - Lessor Massachusetts - (M- 0070-S Ed. 04-08) The coverage provided under: 1. Bodily Injury To Others (Part 1), 2.

More information

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. UNINSURED MOTORISTS COVERAGE CALIFORNIA

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. UNINSURED MOTORISTS COVERAGE CALIFORNIA POLICY NUMBER: PERSONAL AUTO PP 04 87 08 05 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. UNINSURED MOTORISTS COVERAGE CALIFORNIA SCHEDULE Uninsured Motorists Premium Coverage Limit Of

More information

LYNDON SOUTHERN INSURANCE COMPANY. TENNESSEE Personal Auto Policy

LYNDON SOUTHERN INSURANCE COMPANY. TENNESSEE Personal Auto Policy LYNDON SOUTHERN INSURANCE COMPANY TENNESSEE Personal Auto Policy WARNING Any person who knowingly provides false, incomplete or misleading information to an insurance company commits a fraudulent insurance

More information

Pennsylvania Personal Auto Policy

Pennsylvania Personal Auto Policy Pennsylvania Personal Auto Policy We know how important it is for you to stay on the move. 500 W 5th Street Winston-Salem NC 27102-3199 Integon Indemnity Corporation 10954 (06/13) PA 400 (09011999) Administrative

More information

New York State Department of Financial Services

New York State Department of Financial Services New York State Department of Financial Services Home Regulation 68 index page In order to assist you in viewing Regulation 68 in its most current form, this webpage has incorporated the text of the 1st

More information

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. PERSONAL INJURY PROTECTION COVERAGE MINNESOTA

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. PERSONAL INJURY PROTECTION COVERAGE MINNESOTA POLICY NUMBER: PERSONAL AUTO PP 05 67 01 15 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. PERSONAL INJURY PROTECTION COVERAGE MINNESOTA With respect to coverage provided by this endorsement,

More information

Equity Insurance Company PO Box 8036, Waco, TX 76714 (800) 792-3224

Equity Insurance Company PO Box 8036, Waco, TX 76714 (800) 792-3224 PO Box 8036, Waco, TX 76714 (800) 792-3224 (NAIC # 28746) POLICY (EIC VA PAP 2012-10) VIRGINIA Your Quick Reference Guide POLICY TERMS (PP 00 01 01 05) ENDORSEMENTS Agreement 2 PP 01 99 07 06 Amendment

More information

Personal Auto Policy

Personal Auto Policy Nevada Personal Auto Policy For questions about your policy, please call: 1-800-926-6012 Esurance Insurance Company 650 Davis Street San Francisco, CA 94111-1904 Important: Please read your Nevada Personal

More information

Section 60-1.1 Mandatory provisions.

Section 60-1.1 Mandatory provisions. 11 NYCRR 60-1.1 OFFICIAL COMPILATION OF CODES, RULES AND REGULATIONS OF THE STATE OF NEW YORK TITLE 11. INSURANCE DEPARTMENT CHAPTER III. POLICY AND CERTIFICATE PROVISIONS SUBCHAPTER B. PROPERTY AND CASUALTY

More information

UNITED AUTOMOBILE INSURANCE COMPANY FLORIDA PERSONAL AUTOMOBILE INSURANCE POLICY

UNITED AUTOMOBILE INSURANCE COMPANY FLORIDA PERSONAL AUTOMOBILE INSURANCE POLICY UNITED AUTOMOBILE INSURANCE COMPANY FLORIDA PERSONAL AUTOMOBILE INSURANCE POLICY United Automobile Insurance Company P.O. Box 694140 Miami Gardens, FL 33269-1140 IMPORTANT LIMITED COVERAGE POLICY: Please

More information

Automobile Insurers Bureau

Automobile Insurers Bureau Automobile Insurers Bureau Massachusetts Automobile Policy Please read your policy. Part of the policy is a page marked Coverage Selections. It shows the types and amounts of coverage you have purchased.

More information

Automobile Insurers Bureau

Automobile Insurers Bureau Automobile Insurers Bureau Massachusetts Automobile Policy Please read your policy. Part of the policy is a page marked Coverage Selections. It shows the types and amounts of coverage you have purchased.

More information

Personal Auto Policy. We know how important it is for you to stay on the move.

Personal Auto Policy. We know how important it is for you to stay on the move. Personal Auto Policy We know how important it is for you to stay on the move. St. Louis, Missouri National General Insurance Company National General Assurance Company YOUR PERSONAL AUTO POLICY QUICK REFERENCE

More information

SECURITY NATIONAL INSURANCE COMPANY FLORIDA PERSONAL AUTO POLICY IMPORTANT NOTICE

SECURITY NATIONAL INSURANCE COMPANY FLORIDA PERSONAL AUTO POLICY IMPORTANT NOTICE SECURITY NATIONAL INSURANCE COMPANY FLORIDA PERSONAL AUTO POLICY IMPORTANT NOTICE The named insured has made Security National Insurance Company (hereinafter called the Company) a written application,

More information

LIQUOR LIABILITY COVERAGE FORM

LIQUOR LIABILITY COVERAGE FORM COMMERCIAL GENERAL LIABILITY CG 00 34 12 07 LIQUOR LIABILITY COVERAGE FORM THIS FORM PROVIDES CLAIMS-MADE COVERAGE. PLEASE READ THE ENTIRE FORM CAREFULLY. Various provisions in this policy restrict coverage.

More information

Nevada Family Automobile Insurance Policy

Nevada Family Automobile Insurance Policy GEICO ONE GEICO PLAZA Washington, D. C. 20076-0001 Telephone: 1-800-841-3000 Nevada Family Automobile Insurance Policy A-30-NV (02-08) SECTION I POLICY INDEX Page Liability Coverages Your Protection Against

More information

New York Personal Automobile Policy

New York Personal Automobile Policy New York Personal Automobile Policy We know how important it is for you to stay on the move. 500 W 5th Street Winston Salem, NC 27101-2728 New South Insurance Company CIM Insurance Corporation MIC Property

More information

Missouri Family Automobile Insurance Policy

Missouri Family Automobile Insurance Policy GEICO ONE GEICO PLAZA Washington, D.C. 20076-0001 Telephone: 1-800-841-3000 Missouri Family Automobile Insurance Policy Government Employees Insurance Company GEICO General Insurance Company GEICO Indemnity

More information

North Carolina Personal Automobile Policy

North Carolina Personal Automobile Policy North Carolina Personal Automobile Policy We know how important it is for you to stay on the move. 500 W 5th Street Winston Salem, NC 27101-2728 Integon General Insurance Corporation New South Insurance

More information

RESIDENT LIABILITY COVERAGE POLICY

RESIDENT LIABILITY COVERAGE POLICY Page 1 of 6 RESIDENT LIABILITY COVERAGE POLICY As part of a rental agreement, your your lease requirement. landlord may require you to carry liability coverage. This policy satisfies Definitions We, Us,

More information

POLICY FORM NUMBER LA1040 SIXTH EDITION EFFECTIVE NOVEMBER 2014 (LA1040-6) LOUISIANA

POLICY FORM NUMBER LA1040 SIXTH EDITION EFFECTIVE NOVEMBER 2014 (LA1040-6) LOUISIANA POLICY LOUISIANA FORM NUMBER LA1040 SIXTH EDITION EFFECTIVE NOVEMBER 2014 (LA1040-6) 0 Table of Contents INSURING AGREEMENT 1 GENERAL DEFINITIONS 1 PART I - LIABILITY TO OTHERS 2 INSURING AGREEMENT 2 ADDITIONAL

More information

11 NYCRR 60-2.0. Text is current through February 15, 2002, and annotations are current through August 1, 2001.

11 NYCRR 60-2.0. Text is current through February 15, 2002, and annotations are current through August 1, 2001. 11 NYCRR 60-2.0 OFFICIAL COMPILATION OF CODES, RULES AND REGULATIONS OF THE STATE OF NEW YORK TITLE 11. INSURANCE DEPARTMENT CHAPTER III. POLICY AND CERTIFICATE PROVISIONS [FN1] SUBCHAPTER B. PROPERTY

More information

Preferred Auto Insurance Company, Inc. TENNESSEE PREFERRED AUTO INSURANCE COMPANY, INC PERSONAL AUTO POLICY

Preferred Auto Insurance Company, Inc. TENNESSEE PREFERRED AUTO INSURANCE COMPANY, INC PERSONAL AUTO POLICY Preferred Auto Insurance Company, Inc. TENNESSEE PREFERRED AUTO INSURANCE COMPANY, INC PERSONAL AUTO POLICY WARNING Any person who knowingly provides false, incomplete or misleading information to an insurance

More information

FLORIDA PERSONAL INJURY PROTECTION

FLORIDA PERSONAL INJURY PROTECTION POLICY NUMBER: COMMERCIAL AUTO CA 22 10 01 13 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. FLORIDA PERSONAL INJURY PROTECTION For a covered "auto" licensed or principally garaged in,

More information

PROPOSED DRAFT AS OF 2/15/11

PROPOSED DRAFT AS OF 2/15/11 PROPOSED DRAFT AS OF 2/15/11 NEW YORK STATE INSURANCE DEPARTMENT REGULATION NO. 68 (11 NYCRR 65) REGULATIONS IMPLEMENTING THE COMPREHENSIVE MOTOR VEHICLE INSURANCE REPARATIONS ACT Subpart 65-0 Subpart

More information

Senate Bill 411 Sponsored by Senators GELSER, ROSENBAUM; Senator SHIELDS (Presession filed.)

Senate Bill 411 Sponsored by Senators GELSER, ROSENBAUM; Senator SHIELDS (Presession filed.) 78th OREGON LEGISLATIVE ASSEMBLY--2015 Regular Session Enrolled Senate Bill 411 Sponsored by Senators GELSER, ROSENBAUM; Senator SHIELDS (Presession filed.) CHAPTER... AN ACT Relating to personal injury

More information

MENDAKOTA INSURANCE COMPANY

MENDAKOTA INSURANCE COMPANY MENDAKOTA INSURANCE COMPANY (Serviced by KAI Advantage Auto, Inc.) PERSONAL AUTOMOBILE INSURANCE POLICY (INDIANA) IMPORTANT Notify the Company s claim office in Elk Grove Village, Illinois by telephone,

More information

Insurance Code section 11580.2

Insurance Code section 11580.2 Insurance Code section 11580.2 (a) (1) No policy of bodily injury liability insurance covering liability arising out of the ownership, maintenance, or use of any motor vehicle, except for policies that

More information

QUICK REFERENCE OKLAHOMA AUTO POLICY. USAA 9800 Fredericksburg Road San Antonio, Texas 78288 DECLARATIONS PAGE

QUICK REFERENCE OKLAHOMA AUTO POLICY. USAA 9800 Fredericksburg Road San Antonio, Texas 78288 DECLARATIONS PAGE USAA 9800 Fredericksburg Road San Antonio, Texas 78288 OKLAHOMA AUTO POLICY READ YOUR POLICY, DECLARATIONS AND ENDORSEMENTS CAREFULLY The automobile insurance contract between the named insured and the

More information

COMMERCIAL AUTOMOBILE INSURANCE POLICY ILLINOIS

COMMERCIAL AUTOMOBILE INSURANCE POLICY ILLINOIS COMMERCIAL AUTOMOBILE INSURANCE POLICY ILLINOIS IMPORTANT Notify the Company at 4245 N. Knox Ave., Chicago, IL 60641, (773)299-7500, 7500, of EVERY accident, however slight, immediately upon its occurrence.

More information

PERSONAL AUTO POLICY INDEX The Index shows the page where the section begins. The section may continue to additional pages.

PERSONAL AUTO POLICY INDEX The Index shows the page where the section begins. The section may continue to additional pages. PERSONAL AUTO POLICY INDEX The Index shows the page where the section begins. The section may continue to additional pages. DECLARATIONS Your Name ( Named Insured ) And Address Your Auto Or Trailer Policy

More information

PERSONAL LIABILITY PERSONAL LIABILITY DL 24 01 12 02

PERSONAL LIABILITY PERSONAL LIABILITY DL 24 01 12 02 PERSONAL LIABILITY PERSONAL LIABILITY DL 24 01 12 02 AGREEMENT We will provide the insurance described in this policy in return for the premium and compliance with all applicable provisions of this policy.

More information

ILLINOIS PERSONAL AUTO POLICY. Falcon Insurance Company. 724 Enterprise Drive Oak Brook, Illinois 60523 (630) 423-3130

ILLINOIS PERSONAL AUTO POLICY. Falcon Insurance Company. 724 Enterprise Drive Oak Brook, Illinois 60523 (630) 423-3130 ILLINOIS PERSONAL AUTO POLICY Falcon Insurance Company 724 Enterprise Drive Oak Brook, Illinois 60523 (630) 423-3130 IMPORTANT Notify the office of the Company at Oak Brook, Illinois of every accident

More information

SPECIMEN. Private Fleet Automobile Policy AGREEMENT

SPECIMEN. Private Fleet Automobile Policy AGREEMENT AGREEMENT In return for payment of the premium and subject to all the terms of this policy, we agree with you as follows: DEFINITIONS A. Throughout this policy, "you" and "your" refer to: 1. The "named

More information

WISCONSIN PERSONAL AUTO POLICY READY REFERENCE TO YOUR AUTO POLICY

WISCONSIN PERSONAL AUTO POLICY READY REFERENCE TO YOUR AUTO POLICY WISCONSIN PERSONAL AUTO POLICY SAFECO INSURANCE COMPANY OF ILLINOIS Home Office: 2800 W. Higgins Rd., Suite 1100, Hoffman Estates, Illinois 60195 (A stock insurance company.) READY REFERENCE TO YOUR AUTO

More information

D R A F T. LC 117 2016 Regular Session 1/19/16 (TSB/ps)

D R A F T. LC 117 2016 Regular Session 1/19/16 (TSB/ps) LC 0 Regular Session // (TSB/ps) D R A F T SUMMARY Provides that insurer that has duty to defend insured against claim has fiduciary duty toward insured if insurer does defend against claim. Provides that

More information

OKLAHOMA PERSONAL AUTO POLICY

OKLAHOMA PERSONAL AUTO POLICY Variable Field for Company Logo OKLAHOMA PERSONAL AUTO POLICY SAFECO INSURANCE COMPANY OF AMERICA Home Office: Safeco Plaza, Seattle, Washington 98185-0001 (A stock insurance company.) READY REFERENCE

More information

PERSONAL LIABILITY COVERAGE

PERSONAL LIABILITY COVERAGE AAIS -- THIS IS A LEGAL CONTRACT -- PLEASE READ IT CAREFULLY GL-1 Ed 1.0 PERSONAL LIABILITY COVERAGE TABLE OF CONTENTS Agreement...1 Definitions...2 Principal Personal Liability Coverages Coverage L --

More information

GEICO ONE GEICO PLAZA. Washington, D. C. 20076-0001. Telephone: 1-800-841-3000. Florida. Family. Automobile. Insurance. Policy

GEICO ONE GEICO PLAZA. Washington, D. C. 20076-0001. Telephone: 1-800-841-3000. Florida. Family. Automobile. Insurance. Policy GEICO ONE GEICO PLAZA Washington, D. C. 20076-0001 Telephone: 1-800-841-3000 Florida Family Automobile Insurance Policy Å Å Å Å Government Employees Insurance Company GEICO Casualty Company GEICO General

More information

A SUMMARY OF EDUCATORS PROFESSIONAL LIABILITY INSURANCE FOR CONGRESS OF HOUSTON TEACHERS

A SUMMARY OF EDUCATORS PROFESSIONAL LIABILITY INSURANCE FOR CONGRESS OF HOUSTON TEACHERS A SUMMARY OF EDUCATORS PROFESSIONAL LIABILITY INSURANCE FOR CONGRESS OF HOUSTON TEACHERS SCHEDULE OF COVERAGE Limits of Liability Coverage A -- $2,000,000 per Insured per occurrence $3,000,000 per occurrence

More information

North Carolina Interlocal Risk Management Agency (NCIRMA) Workers Compensation and Employers Liability Insurance Policy

North Carolina Interlocal Risk Management Agency (NCIRMA) Workers Compensation and Employers Liability Insurance Policy North Carolina Interlocal Risk Management Agency (NCIRMA) Workers Compensation and Employers Liability Insurance Policy WORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY QUICK REFERENCE Beginning

More information

COAST NATIONAL INSURANCE COMPANY California Basic Auto Policy IMPORTANT NOTICE. e-copy

COAST NATIONAL INSURANCE COMPANY California Basic Auto Policy IMPORTANT NOTICE. e-copy COAST NATIONAL INSURANCE COMPANY California Basic Auto Policy IMPORTANT NOTICE The insured has made Coast National Insurance Company (hereinafter called the Company) a written application incorporated

More information

COMMERCIAL PROFESSIONAL LIABILITY COVERAGE FORM

COMMERCIAL PROFESSIONAL LIABILITY COVERAGE FORM COMMERCIAL PROFESSIONAL LIABILITY COVERAGE FORM Various provisions in this policy restrict coverage. Read the entire policy carefully to determine rights, duties and what is and is not covered. Throughout

More information

AUTOMOBILE LIABILITY & PHYSICAL DAMAGE COVERAGE AGREEMENT PART A GENERAL

AUTOMOBILE LIABILITY & PHYSICAL DAMAGE COVERAGE AGREEMENT PART A GENERAL AUTOMOBILE LIABILITY & PHYSICAL DAMAGE COVERAGE AGREEMENT PART A GENERAL I. The TASB Risk Management Fund (Fund) provides coverage as outlined in this Automobile Liability & Physical Damage Coverage Agreement.

More information

ARIZONA AUTOMOBILE POLICY READY REFERENCE TO YOUR AUTOMOBILE POLICY

ARIZONA AUTOMOBILE POLICY READY REFERENCE TO YOUR AUTOMOBILE POLICY ARIZONA AUTOMOBILE POLICY READY REFERENCE TO YOUR AUTOMOBILE POLICY DECLARATIONS PAGE AGREEMENT Your Name and Address Your Auto or Trailer Policy Period Coverage and Amounts of Insurance DEFINITIONS 1

More information

AMENDMENT TO TAIPA PERSONAL AUTO POLICY EFFECTIVE JANAURY 1, 2014

AMENDMENT TO TAIPA PERSONAL AUTO POLICY EFFECTIVE JANAURY 1, 2014 TAIPA James Langford, CPCU, AIM, ARP, ARe Association Manager jlangford@taipa.org TEXAS AUTOMOBILE INSURANCE PLAN ASSOCIATION CITYVIEW BLDG. 3 1120 S. CAPITAL OF TEXAS HWY., STE. 105 AUSTIN, TX 78746-6464

More information

KANSAS PERSONAL INJURY PROTECTION

KANSAS PERSONAL INJURY PROTECTION POLICY NUMBER: COMMERCIAL AUTO CA 22 14 02 96 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. KANSAS PERSONAL INJURY PROTECTION For a covered "auto" licensed or principally garaged in, or

More information

Individual Pharmacist Professional Liability Insurance Policy

Individual Pharmacist Professional Liability Insurance Policy THIS IS A LEGAL CONTRACT -- PLEASE READ THIS CAREFULLY -- Individual Pharmacist Professional Liability Insurance Policy Table of Contents Page DEFINITIONS... 1 PROFESSIONAL LIABILITY COVERAGE... 3 SUPPLEMENTAL

More information

PERSONAL AUTO POLICY INDEX The Index shows the page where the section begins. The section may continue to additional pages.

PERSONAL AUTO POLICY INDEX The Index shows the page where the section begins. The section may continue to additional pages. PERSONAL AUTO POLICY INDEX The Index shows the page where the section begins. The section may continue to additional pages. DECLARATIONS Your Name ( Named Insured ) And Address Your Auto Or Trailer Policy

More information

G.S. 20-279.21 Page 1

G.S. 20-279.21 Page 1 20-279.21. "Motor vehicle liability policy" defined. (a) A "motor vehicle liability policy" as said term is used in this Article shall mean an owner's or an operator's policy of liability insurance, certified

More information

VIRGINIA ACTS OF ASSEMBLY -- 2015 SESSION

VIRGINIA ACTS OF ASSEMBLY -- 2015 SESSION VIRGINIA ACTS OF ASSEMBLY -- 2015 SESSION CHAPTER 585 An Act to amend and reenact 38.2-2206 of the Code of Virginia and to amend the Code of Virginia by adding in Article 7 of Chapter 3 of Title 8.01 a

More information

e-copy Florida Personal Auto Policy Security National Insurance Company Claims HelpPoint Claim Services 1-800-527-3907

e-copy Florida Personal Auto Policy Security National Insurance Company Claims HelpPoint Claim Services 1-800-527-3907 Florida Personal Auto Policy Claims HelpPoint Claim Services 1-800-527-3907 All Other Calls 1-888-888-0080 (Toll-Free) Security National Insurance Company Form 1005 02/11 This is your new Personal Auto

More information

GARAGEKEEPERS COVERAGE

GARAGEKEEPERS COVERAGE THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY GARAGEKEEPERS COVERAGE This endorsement modifies insurance provided under the BUSINESSOWNERS COVERAGE FORM SCHEDULE Location No. Coverages

More information

2015 Massachusetts Automobile Insurance Policy. Memorandum of Changes

2015 Massachusetts Automobile Insurance Policy. Memorandum of Changes 2015 Massachusetts Automobile Insurance Policy Memorandum of Changes This edition of the policy incorporates the provisions of the Massachusetts Mandatory Endorsement M-0099-S (Ed. 9-11), and, in addition,

More information

NEW MEXICO SELF-INSURERS' FUND WORKERS' COMPENSATION AND EMPLOYERS' LIABILITY PLAN

NEW MEXICO SELF-INSURERS' FUND WORKERS' COMPENSATION AND EMPLOYERS' LIABILITY PLAN NEW MEXICO SELF-INSURERS' FUND WORKERS' COMPENSATION AND EMPLOYERS' LIABILITY PLAN In return for the payment of the premium and subject to all terms of this Policy, we agree with you as follows. GENERAL

More information

AUTOMOBILE POLICY ALABAMA Equity Insurance Company Managed by

AUTOMOBILE POLICY ALABAMA Equity Insurance Company Managed by AUTOMOBILE POLICY ALABAMA Equity Insurance Company Managed by P.O.Box 467398 Atlanta, GA 31150 30001 (07/14) ALABAMA PERSONAL AUTO POLICY QUICK REFERENCE This policy is a legal contract between you (the

More information

NON-RESIDENT PRIVATE AUTO LIABILITY INSURANCE

NON-RESIDENT PRIVATE AUTO LIABILITY INSURANCE PART 1 - LIABILITY COVERAGE INSURING AGREEMENT A. We will pay damages for bodily injury or property damage, other than punitive or exemplary damages, for which you become legally responsible because of

More information

GENERAL CONDITIONS NON-RESIDENT PRIVATE AUTO LIABILITY INSURANCE

GENERAL CONDITIONS NON-RESIDENT PRIVATE AUTO LIABILITY INSURANCE NON-RESIDENT PRIVATE AUTO LIABILITY INSURANCE NON-RESIDENT PRIVATE AUTO LIABILITY INSURANCE 1 CONTENTS PART 1 LIABILITY COVERAGE INSURING AGREEMENT... 3 PART 2 MEDICAL PAYMENTS COVERAGE INSURING AGREEMENT...

More information

OCEAN HARBOR CASUALTY INSURANCE COMPANY

OCEAN HARBOR CASUALTY INSURANCE COMPANY OCEAN HARBOR CASUALTY INSURANCE COMPANY LIMITED PERSONAL AUTO POLICY Read your Policy carefully. This Policy does not satisfy all Financial Responsibility Laws. This is a restricted Policy. This Policy

More information

Ontario Automobile Policy (OAP 1)

Ontario Automobile Policy (OAP 1) Ontario Automobile Policy (OAP 1) Owner's Policy Approved by the Superintendent of Financial Services for use as the standard Owner's Policy on or after January 1, 2001. About This Policy This is your

More information

INDIANA PERSONAL CAR POLICY

INDIANA PERSONAL CAR POLICY INDIANA PERSONAL CAR POLICY P.O. Box 723128 Atlanta, GA 31139 In the event of an accident please call: 1-888-580-8134 All other calls: 1-888-952-2902 Form 05-IN (06/2011) Page 1 of 27 Insuring Agreement

More information

Rental Car Coverage and the MAP - So Much Exposure & So Little Coverage!

Rental Car Coverage and the MAP - So Much Exposure & So Little Coverage! Rental Car Coverage and the MAP - So Much Exposure & So Little Coverage! RENTAL CAR COVERAGE & THE MAP- SO MUCH EXPOSURE & SO LITTLE COVERAGE Robin Federici, CPCU, AAI, ARM, AINS, AIS, CPIW PO BOX 781

More information