2025-232-E-AMS-Harrod and Assoc. Constructors-OC Health Department Improvements

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Copyright, 2010 Selective Insurance Company of America. All rights reserved. CA 77 35 02 10 Includes copyrighted material of Insurance Services Office, Inc., with its permission.Page 5 of 8 Hired Car Physical Damage Coverage The following is added to SECTION III — PHYSICAL DAMAGE COVERAGE, Paragraph A. 4. Coverage Extensions: c. If Comprehensive, Specified Causes of Loss or Collision coverage is provided by this policy, you may extend that coverage to apply to Physical Damage “loss” to hired “autos.” We will provide coverage equal to the broadest coverage available to any covered “auto” shown in the Declarations. But, the most we will pay for “loss” to a hired “auto” in any one “accident” is the lesser of: 1. $75,000; or 2. The actual cash value of the damaged or stolen property as of the time of the “loss”; or 3. The actual cost of repairing or replacing the damaged or stolen property with other property of like kind or quality. A part is of like kind and quality when it is of equal or better condition than the pre-accident part. We will use the original equipment from the manufacturer when: (a) The operational safety of the vehicle might otherwise be impaired; (b) Reasonable and diligent efforts to locate the appropriate rebuilt, aftermarket or used part have been unsuccessful; (c) A new original equipment part of like kind and quality is available and will result in the lowest overall repair cost; (d) For vehicles insured under policies written on or before December 31, 2003, the vehicle has been used no more than 15,000 miles unless the pre- accident condition warrants otherwise; or (e) For vehicles insured under policies written on or after January 1, 2004, the vehicle has been used no more than 20,000 miles unless the pre-accident condition warrants otherwise. For each hired “auto” our obligation to pay “loss” will be reduced by a deductible equal to the highest deductible applicable to any owned “auto” for that coverage. No deductible will be applied to “loss” caused by fire or lightning. We will also pay up to $750 per “accident” for loss of use of the hired “auto” if it results from an “accident” for which you are legally liable. The lessor must suffer an actual financial “loss” for this coverage to apply. Hired Car Physical Damage Coverage provided by this extension is excess over any other collectible insurance. Auto Loan/Lease Gap Coverage The following is added to SECTION III, A. 4. — Coverage Extensions: d. If a long-term leased “auto” is a covered “auto” for the Physical Damage Coverage applicable to a total “loss,” and the lessor is an additional insured under this Coverage Part, we will pay the differ- ence between amounts you owe the lessor under the lease terms and the amount of insurance paid the lessor for the total “loss” of the covered “auto” minus: any payments overdue at the time of the loss; any financial penalties imposed due to wear and tear, high mileage or similar charges; any security deposits not refunded by the lessor; any costs for credit life, health and accident, or disability insurance; any costs for extended warranties; or any carry over balances from previous leases or loans. You are responsible for the deductible applicable to the “loss” for the covered “auto.” Personal Effects The following is added to of SECTION III, A. 4. — Coverage Extensions: e. If Comprehensive Coverage is provided on this coverage form for a covered “auto” you own and that covered “auto” is stolen, we will pay up to the Limit of Insurance shown on the Commercial Automobile Extension Supplemental Schedule, without application of a deductible, for personal effects that are stolen with that covered “auto.” Personal effects do not include jewelry, tools, money or securities. This coverage is excess over any other collectible insurance. The Following is added to SECTION III, A. 4. — Coverage Extensions: f. If you are a Board of Education, Municipality or other Governmental Entity, or Volunteer Emer- gency Services Organization, we will pay up to $1,000 or the amount of the deductible under any auto policy available to your volunteer or em- ployee, whichever is less, for any “loss” described in this section to any “auto” owned or used by a volunteer or employee while en route to and during any official duty authorized by you. In no event will we pay for any “loss” under this Coverage to any “auto” owned, hired, or borrowed by your organization. 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