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DocuSign Envelope ID: 531A624F -5F3E- 4968- AE71- AC91280DFFCE <br />d. Costs for extended warranties, Credit Life <br />Insurance, Health, Accident or Disability <br />Insurance purchased with the loan or lease; <br />and <br />e. Carry-over balances from previous loans or <br />leases. <br />Coverage does not apply to any unpaid amount <br />due on a loan for which the covered "auto" is not <br />the sole collateral. <br />N. PERSONAL PROPERTY OF OTHERS <br />SECTION III — PHYSICAL DAMAGE COVERAGE, <br />AA. Coverage Extensions is amended by adding <br />the following: <br />We will pay up to $500 for loss to personal property <br />of others in or on your covered "auto." <br />This coverage applies only in the event of "loss" to <br />your covered "auto" caused by fire, lightning, <br />explosion, theft, mischief or vandalism, the covered <br />"auto's" collision with another object, or the covered <br />"auto's" overturn. <br />No deductibles apply to this coverage. <br />O. PERSONAL EFFECTS COVERAGE <br />SECTION III — PHYSICAL DAMAGE COVERAGE, <br />A.4. Coverage Extensions is amended by adding <br />the following: <br />We will pay up to $500 for "loss" to your personal <br />effects not otherwise covered in the policy or, if you <br />are an individual, the personal effects of a family <br />member, that is in the covered auto at the time of the <br />"loss ". <br />For the purposes of this extension personal effects <br />means tangible property that is worn or carried by an <br />insured including portable audio, visual, or electronic <br />devices. Personal effects does not include tools, <br />jewelry, guns, money and securities, or musical <br />instruments <br />P. EXTRA EXPENSE FOR STOLEN AUTO <br />SECTION III — PHYSICAL DAMAGE COVERAGE, <br />A.4. Coverage Extensions is amended by adding <br />the following: <br />We will pay up to $1,000 for the expense incurred <br />returning a stolen covered "auto" to you because of <br />the total theft of such covered "auto ". Coverage <br />applies only to those covered "autos" for which you <br />carry Comprehensive or Specified Causes Of Loss <br />Coverage. <br />Q. RENTAL REIMBURSEMENT <br />SECTION III — PHYSICAL DAMAGE COVERAGE, <br />A.4. Coverage Extensions is amended by adding <br />the following: <br />1. This coverage applies only to a covered "auto" for <br />which PHYSICAL DAMAGE COVERAGE is <br />provided on this policy. <br />2. We will pay for rental reimbursement expenses <br />incurred by you for the rental of an "auto" <br />because of "loss" to a covered "auto ". Payment <br />applies in addition to the otherwise applicable <br />amount of each coverage you have on a covered <br />"auto ". No deductibles apply to this coverage. <br />We will pay only for those expenses incurred <br />during the policy period beginning 24 hours <br />after the "loss" and ending, regardless of the <br />policy's expiration, with the lesser of the <br />following number of days. <br />a. The number of days reasonably required to <br />repair or replace the covered "auto ". If <br />"loss" is caused by theft, this number of <br />days is added to the number of days it <br />takes to locate the covered "auto" and <br />return it to you; or <br />b. 30 days. <br />4. Our payment is limited to the lesser of the <br />following amounts: <br />a. Necessary and actual expenses incurred; <br />or <br />b. $75 per day, subject to a $2,250 limit. <br />5. This coverage does not apply while there are <br />spare or reserve "autos" available to you for <br />your operations. <br />6. If "loss" results from the total theft of a covered <br />"auto" of the private passenger type, we will <br />pay under this coverage only that amount of <br />your rental reimbursement expenses which is <br />not already provided for under the Physical <br />Damage — Transportation Expense Coverage <br />Extension included in this endorsement. <br />7. Coverage provided by this extension is excess <br />over any other collectible insurance and /or <br />endorsement to this policy. <br />R. AIRBAG COVERAGE <br />SECTION III — PHYSICAL DAMAGE COVERAGE, <br />B.3.a. Exclusions is amended by adding the following: <br />If you have purchased Comprehensive or Collision <br />Coverage under this policy, the exclusion relating to <br />mechanical breakdown does not apply to the <br />accidental discharge of an airbag. <br />S. NEW VEHICLE REPLACEMENT COST <br />The following is added to Paragraph C. Limit of <br />Insurance of SECTION III — PHYSICAL DAMAGE <br />COVERAGE <br />In the event of a total "loss" to your new covered <br />auto of the private passenger type or vehicle having <br />a gross vehicle weight of 20,000 pounds or less, to <br />which this coverage applies, we will pay at your <br />option: <br />a. The verifiable new vehicle purchase price you <br />paid for your damaged vehicle, not including <br />any insurance or warranties. <br />b. The purchase price, as negotiated by us, of a <br />new vehicle of the same make, model, and <br />equipment, or most similar model available, not <br />including any furnishings, parts, or equipment <br />not installed by the manufacturer or their <br />dealership. <br />CA7450(7 -14) Includes copyrighted material of ISO Properties, Inc, with its permission. Page 3 of 4 <br />