Orange County NC Website
COMMERCIAL AUTO <br />CA T4 20 02 15Page 2 of 3 © 2015 The Travelers Indemnity Company. All rights reserved. <br />Includes copyrighted material of Insurance Services Office, Inc. with its permission. <br />Any "employee" of yours is an "insured" while us- <br />ing a covered "auto" you don't own, hire or borrow <br />in your business or your personal affairs. <br />D.SUPPLEMENTARY PAYMENTS – INCREASED <br />LIMITS <br />1.The following replaces Paragraph A.2.a.(2) of <br />SECTION II – COVERED AUTOS LIABILITY <br />COVERAGE: <br />(2)Up to $3,000 for cost of bail bonds (in- <br />cluding bonds for related traffic law viola- <br />tions) required because of an "accident" <br />we cover. We do not have to furnish <br />these bonds. <br />2.The following replaces Paragraph A.2.a.(4) of <br />SECTION II – COVERED AUTOS LIABILITY <br />COVERAGE: <br />(4)All reasonable expenses incurred by the <br />"insured" at our request, including actual <br />loss of earnings up to $500 a day be- <br />cause of time off from work. <br />E.TRAILERS – INCREASED LOAD CAPACITY <br />The following replaces Paragraph C.1. of SEC- <br />TION I – COVERED AUTOS: <br />1."Trailers" with a load capacity of 3,000 <br />pounds or less designed primarily for travel <br />on public roads. <br />F.HIRED AUTO PHYSICAL DAMAGE <br />The following is added to Paragraph A.4., Cover- <br />age Extensions, of SECTION III – PHYSICAL <br />DAMAGE COVERAGE: <br />Hired Auto Physical Damage Coverage <br />If hired "autos" are covered "autos" for Covered <br />Autos Liability Coverage but not covered "autos" <br />for Physical Damage Coverage, and this policy <br />also provides Physical Damage Coverage for an <br />owned "auto", then the Physical Damage Cover- <br />age is extended to "autos" that you hire, rent or <br />borrow subject to the following: <br />(1)The most we will pay for "loss" to any one <br />"auto" that you hire, rent or borrow is the <br />lesser of: <br />(a)$50,000; <br />(b)The actual cash value of the damaged or <br />stolen property as of the time of the <br />"loss"; or <br />(c)The cost of repairing or replacing the <br />damaged or stolen property with other <br />property of like kind and quality. <br />(2)An adjustment for depreciation and physical <br />condition will be made in determining actual <br />cash value in the event of a total "loss". <br />(3)If a repair or replacement results in better <br />than like kind or quality, we will not pay for the <br />amount of betterment. <br />(4)A deductible equal to the highest Physical <br />Damage deductible applicable to any owned <br />covered "auto". <br />(5)This Coverage Extension does not apply to: <br />(a)Any "auto" that is hired, rented or bor- <br />rowed with a driver; or <br />(b)Any "auto" that is hired, rented or bor- <br />rowed from your "employee". <br />G.PHYSICAL DAMAGE – TRANSPORTATION <br />EXPENSES – INCREASED LIMIT <br />The following replaces the first sentence in Para- <br />graph A.4.a., Transportation Expenses, of <br />SECTION III – PHYSICAL DAMAGE COVER- <br />AGE: <br />We will pay up to $50 per day to a maximum of <br />$1,500 for temporary transportation expense in- <br />curred by you because of the total theft of a cov- <br />ered "auto" of the private passenger type. <br />H.AUDIO, VISUAL AND DATA ELECTRONIC <br />EQUIPMENT – INCREASED LIMIT <br />Paragraph C.1.b. of SECTION III – PHYSICAL <br />DAMAGE COVERAGE is deleted. <br />I.WAIVER OF DEDUCTIBLE – GLASS <br />The following is added to Paragraph D., Deducti- <br />ble, of SECTION III – PHYSICAL DAMAGE <br />COVERAGE: <br />No deductible for a covered "auto" will apply to <br />glass damage if the glass is repaired rather than <br />replaced. <br />J.PERSONAL PROPERTY <br />The following is added to Paragraph A.4., Cover- <br />age Extensions, of SECTION III – PHYSICAL <br />DAMAGE COVERAGE: <br />Personal Property Coverage <br />We will pay up to $400 for "loss" to wearing ap- <br />parel and other personal property which is: <br />(1)Owned by an "insured"; and <br />(2)In or on your covered "auto". <br />This coverage only applies in the event of a total <br />theft of your covered "auto". <br />No deductibles apply to Personal Property cover- <br />age. <br />Docusign Envelope ID: C150751F-A203-41BF-AE65-69B40B7EC3BC