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sustained, provided it results from an "accident" are an individual, the Personal Effects of a family <br /> for which you are legally liable. member, that is in the covered auto at the time of the <br /> However, coverage does not apply to any "auto" "loss". <br /> leased, hired, rented or borrowed in your Motor For the purposes of this extension Personal Effects <br /> Carrier Operations and any "auto" that is leased, means tangible property that is worn or carried by an <br /> hired, rented or borrowed with a driver is not a insured including portable audio, visual, or electronic <br /> covered "auto". devices. Personal Effects does not include tools, <br /> N. AUTO LOAN/LEASE GAP COVERAGE jewelry, guns, money and securities, or musical <br /> instruments. <br /> Section III — Physical Damage Coverage Q. EXTRA EXPENSE FOR STOLEN AUTO <br /> Paragraph A.4. Coverage Extensions is amended <br /> by the addition of the following: Section III — Physical Damage Coverage, A.4. <br /> Autos of the private passenger, light or medium Coverage Extensions is amended by adding the <br /> following: <br /> trucks that are loaned or leased for a period of six <br /> months or longer and which have been provided We will pay up to S1,000 for the expense incurred <br /> Physical Damage Coverage is a covered ''auto" returning a stolen covered "auto" to you because of <br /> under this Policy for which a premium charge has the total theft of such covered "auto". Coverage <br /> been made for Comprehensive, Specified Cause of applies only to those covered "autos" for which you <br /> Loss, or Collision Coverage. We will pay any carry Comprehensive or Specified Causes Of Loss <br /> unpaid amount due up to a limit of $10,000 on the Coverage. <br /> lease or loan for a covered "auto", including up to a R. RENTAL REIMBURSEMENT EXPENSES <br /> maximum of $500 for early termination fees or Section III — Physical Damage Coverage, A.4. <br /> penalties, on the lease or loan for a covered "auto", Coverage Extensions is amended by adding the <br /> less: following: <br /> 1. The amount paid under the Policy's Physical 1. This coverage applies only to a covered "auto"for <br /> Damage Coverage; and which Physical Damage Coverage is provided <br /> 2. Any: on this Policy. <br /> a. Overdue or any deferred lease/loan 2. We will pay for Rental Reimbursement <br /> payments at the time of the "loss"; Expenses incurred by you for the rental of an <br /> "auto" because of "loss" to a covered "auto". <br /> b. Financial penalties imposed under a lease Payment applies in addition to the otherwise <br /> for excessive use, abnormal wear and tear applicable amount of each coverage you have on <br /> or high mileage; a covered "auto". No deductibles apply to this <br /> c. Security deposits not returned by the coverage. <br /> lessor; 3. We will pay only for those expenses incurred <br /> d. Costs for extended warranties, Credit Life during the Policy period beginning 24 hours <br /> Insurance, Health, Accident or Disability after the "loss" and ending, regardless of the <br /> Insurance purchased with the loan or lease; Policy's expiration, with the lesser of the <br /> and following number of days <br /> e. Carry-over balances from previous loans or a. The number of days reasonably required to <br /> leases. repair or replace the covered "auto". If "loss" is <br /> The insurance provided by this Auto Loan/Lease caused by theft, this number of days is added <br /> Gap Coverage is excess over any other collectible to the number of days it takes to locate the <br /> insurance including but not limited to any coverage covered "auto" and return it to you; or <br /> provided by or purchased from the lessor or any b. 30 days. <br /> financial institution. 4. Our payment is limited to the lesser of the <br /> O. PERSONAL PROPERTY OF OTHERS following amounts: <br /> Section III — Physical Damage Coverage, A.4. a. Necessary and actual expenses incurred; <br /> Coverage Extensions is amended by adding the or <br /> following: <br /> b. $75 per day, subject to a $2,250 limit. <br /> We will pay up to $500 for loss to Personal <br /> Property Of Others in or on your covered "auto" in 5. This coverage does not apply while there are <br /> the event of a covered "auto" loss. spare or reserve "autos" available to you for <br /> your operations. <br /> No deductibles apply to this coverage. 6. If "loss" results from the total theft of a covered <br /> P. PERSONAL EFFECTS COVERAGE "auto" of the private passenger type, we will <br /> Section III — Physical Damage Coverage, A.4. pay under this coverage only that amount of <br /> Coverage Extensions is amended by adding the your Rental Reimbursement Expenses which <br /> following: is not already provided for under the Physical <br /> We will pay up to $500 for "loss" to your Personal Damage — Transportation Expense <br /> Effects not otherwise covered in the Policy or, if you <br /> CA145C(2-22) Includes copyrighted material of ISO Properties.Inc.with its permission. Page 3 of 5 <br />