Orange County NC Website
Browse       Search
CAD 09 04 07 16 Includes copyrighted material of Insurance Services Office, Inc., with its permission <br />Copyright, Insurance Services Office, Inc., 2000 <br />Donegal Insurance Group <br />Page 4 of 6 <br />6.Rental Reimbursement Expenses <br />We will pay for rental reimbursement expenses <br />incurred by you for the rental of an "auto" <br />because of "loss", other than total theft, to a <br />covered "auto". We will pay rental <br />reimbursement expenses only for those <br />covered "autos": <br />a.For which you carry either Comprehensive <br />or Specified Causes of Loss Coverage if the <br />"loss" arises from such coverage; or <br />b.For which you carry either Collision <br />Coverage if the "loss" arises from such <br />coverage. <br />We will pay only for those expenses incurred <br />during the policy period beginning 24 hours after <br />the "loss" and ending, regardless of the policy's <br />expiration, when the covered "auto" is repaired <br />or replaced or we pay for its "loss". This <br />coverage does not apply while there are spare <br />or reserve "autos" available to you for your <br />operations. The most we will pay for rental <br />reimbursement expenses under this Coverage <br />Extension because of "loss" to a covered "auto" <br />is the limit of insurance shown in the Schedule <br />above for Rental Reimbursement Coverage. No <br />deductibles apply to this coverage. <br />If the Rental Reimbursement Coverage <br />endorsement is also attached to and made a <br />part of this policy, then the coverage provided <br />under this Rental Reimbursement Expenses <br />Coverage Extension will be excess over the <br />insurance provided by the Rental <br />Reimbursement Coverage endorsement. <br />7.Personal Effects Coverage <br />We will pay up to the limit of insurance shown in <br />the Schedule above for Personal Effects <br />Coverage for loss to wearing apparel and other <br />personal effects which are: <br />a.Owned by an "insured"; and <br />b.In or on your covered "auto". <br />This coverage applies only in the event of a total <br />theft of your covered "auto". <br />No deductibles apply to this coverage. <br />The insurance provided by this Personal Effects <br />Coverage provision is excess over any other <br />collectible insurance covering such property. <br />8.Auto Loan/Lease Gap Coverage <br />In the event of a total "loss" to a <br />covered "auto" shown on the <br />Declarations in the Schedule Of <br />Covered Autos You Own, we will <br />pay any unpaid amount due on the <br />lease or loan for a covered "auto", <br />less: <br />a.The amount paid under the Physical <br />Damage Coverage Section of the policy; <br />and <br />b.Any: <br />(1)Overdue lease/loan payments at the <br />time of the "loss"; <br />(2)Financial penalties imposed under a <br />lease for excessive use, abnormal wear <br />and tear or high mileage. <br />(3)Security deposits not returned by the <br />lessor; <br />(4)Costs for extended warranties, Credit <br />Life Insurance, Health, Accident or <br />Disability Insurance purchased with the <br />loan or lease; and <br />(5)Carry-over balances from previous <br />loans or leases. <br />We will pay the unpaid amount due on the lease <br />or loan only for those covered "autos": <br />a.For which you carry either Comprehensive <br />or Specified Causes of Loss Coverage if the <br />"loss" arises from such coverage; or <br />b.For which you carry either Collision <br />Coverage if the "loss" arises from such <br />coverage. <br />VII. AIRBAG ACCIDENTAL DISCHARGE COVERAGE <br />The following is added to subparagraph 3. under <br />paragraph B. Exclusions as found in SECTION III - <br />PHYSICAL DAMAGE COVERAGE: <br />The exclusion for "loss" caused by or resulting from <br />mechanical breakdown, as described in paragraph <br />B.3.a. above, does not apply with respect to the <br />accidental discharge of an airbag in a covered <br />"auto" if the airbag is repaired or replaced in a <br />manner acceptable to us. No deductible will apply to <br />such "loss". <br />POLICY NUMBER: CA9259856Docusign Envelope ID: 55889BA8-C67F-4754-881E-630DCDB08991