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SA-1852/TXEP 6/11

TEXAS PERSONAL AUTO POLICY

SAFECO INSURANCE COMPANY OF AMERICAGENERAL INSURANCE COMPANY OF AMERICA

Home Office: Safeco Plaza, Seattle, Washington 98185-0001SAFECO INSURANCE COMPANY OF ILLINOIS

Home Office: 2800 W. Higgins Rd., Suite 1100, Hoffman Estates, Illinois 60195

(Each a stock insurance company.)

READY REFERENCE TO YOUR AUTO POLICY

BeginningOn Page

AGREEMENT 1

DEFINITIONS 1

PART A — LIABILITY COVERAGE 3Insuring AgreementInterest on JudgmentsSupplementary PaymentsExclusionsLimit of LiabilityOut of State CoverageFinancial ResponsibilityOther Insurance

PART B1 — MEDICAL PAYMENTS COVERAGE 6Insuring AgreementExclusionsLimit of LiabilityOther InsuranceAssignment of Payments

PART B2 — PERSONAL INJURY PROTECTION COVERAGE 8DefinitionsInsuring AgreementExclusionsLimit of LiabilityOther InsuranceLoss PaymentsAssignment of Payments

PART C — UNINSURED/UNDERINSURED MOTORISTS COVERAGE 10Insuring AgreementExclusionsLimit of LiabilityOther InsuranceArbitrationAdditional Duties

PART D — COVERAGE FOR DAMAGE TO YOUR AUTO 14Insuring AgreementTransportation ExpensesExclusionsLimit of LiabilityPayment of LossNo Benefit to BaileeOther Sources of RecoveryAppraisal

MEXICO COVERAGE LIMITED 18

PART E — DUTIES AFTER AN ACCIDENT OR LOSS 19

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SA-1852/TXEP 6/11

PART F — GENERAL PROVISIONS 19Policy Period and TerritoryBankruptcyChangesPayment of PremiumFraudLegal Action Against UsOur Right to Recover PaymentTerminationTransfer of Your Interest in This PolicyTwo or More Autos Insured; Two or More Auto PoliciesLoss Payable ClauseStorage CostsPayment of First Party BenefitsLoss PaymentNotice of Settlement of Liability Claim

ADDITIONAL COVERAGES 23Roadside Assistance CoverageLoss of Use CoverageSupplementary Death BenefitFull Safety Glass Coverage


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AGREEMENT

In return for your payment of all premiums, and in reliance upon the statements in the application we agreeto insure you subject to the terms, conditions and limitations of this policy. We will insure you for the cover-ages and limits shown on the Declarations. Your policy consists of the policy contract, Declarations andendorsements applicable to the policy.

DEFINITIONS

A. Throughout this policy, “you” and “your” referto:

1. The “named insured” shown in the Dec-larations;

2. The spouse if a resident of the samehousehold.

If the spouse ceases to be a resident ofthe same household during the policyperiod, the spouse will be considered“you” and “your” under this policy duringa period of separation in contemplationof divorce and only until the effectivedate of another policy listing the spouseas a named insured;

3. The civil partner, if a resident of thesame household, by civil union licensedand certified by the state; or

4. The domestic partner, if a resident ofthe same household;

“Domestic partner” means a personliving as a continuing partner with youand:

(a) is at least 18 years of age andcompetent to contract;

(b) is not a relative; and

(c) shares with you the responsibilityfor each other’s welfare, evidenceof which includes:

(1) the sharing in domesticresponsibilities for the mainte-nance of the household; or

(2) having joint financial obliga-tions, resources, or assets; or

(3) one with whom you havemade a declaration of dom-estic partnership or similardeclaration with an employeror government entity.

Domestic partner does not includemore than one person, a roommatewhether sharing expenses equally ornot, or one who pays rent to the namedinsured.

B. “We,” “us” and “our” refer to the Company asshown in the Declarations, providing this in-surance.

C. For purposes of this policy, a private passen-ger auto shall be deemed to be owned by aperson if leased:

1. Under a written agreement to that per-son; and

2. For a continuous period of at least sixmonths.

D. Throughout the policy, “minimum limits” re-fers to the following limits of liability requiredby Texas law to be provided under a policy ofautomobile liability insurance:

1. $30,000 for each person, subject to$60,000 for each accident, with respectto bodily injury; or

2. $25,000 for each accident with respectto property damage.

Other words and phrases are defined. They are inbold type when used.

E. “Bodily injury” means bodily harm, sick-ness or disease, including death that results.

F. “Business” includes trade, profession or oc-cupation.

G. “Business day” means a day other than aSaturday, Sunday or holiday recognized bythe state of Texas.

H. “Diminution in value” means the actual orperceived loss in market or resale valuewhich results from a direct and accidentalloss.

I. “Family member” means a person relatedto you by blood, marriage, civil union, domes-tic partnership or adoption who is a residentof your household. This includes a ward orfoster child who is a resident of your house-hold.

J. “Fungi” means any type or form of fungus,including yeast, mold or mildew, blight ormushroom and any mycotoxins, spore,scents or other substances, products or by-products produced, released by or arising outof fungi, including growth, proliferation orspread of fungi or the current or past pres-ence of fungi. However, this definition doesnot include any fungi intended by the in-sured for consumption.

K. “Occupying” means in; upon; or getting in,on, out or off.


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L. “Property damage” means physical injuryor destruction of tangible property includingloss of use.

M. “Punitive or exemplary damages” includedamages which are awarded to punish or de-ter wrongful conduct, to set an example, tofine, penalize or impose a statutory penalty,and damages which are awarded for anypurpose other than as compensatory dam-ages for bodily injury or property damage.

N. “Trailer” means a vehicle designed to bepulled by a:

1. Private passenger auto; or

2. Pickup, van or motorhome.

It also means a recreational camping vehicle,a farm wagon or farm implement while towedby a vehicle listed in N.1. or N.2. above.

O. “Your covered auto” means:

1. Any vehicle shown in the Declarations.

2. a. Any newly acquired vehicle, wheth-er operational or not, on the dateyou become the owner, subject toconditions for Newly AcquiredReplacement Vehicle and NewlyAcquired Additional Vehicle un-der O.2.b. below. Any newlyacquired vehicle must be of the fol-lowing types:

(1) a private passenger auto;

(2) a pickup or van that:

(a) has a Gross VehicleWeight Rating of 12,000lbs or less; and

(b) is not used for thedelivery or transportationof goods and materialsunless such use is:

i. incidental to yourbusiness of in-stalling, maintainingor repairing furnish-ings or equipment; or

ii. for farming or ranch-ing; or

(3) a motorhome or trailer.

b. A newly acquired vehicle is subjectto the following conditions:

(1) Newly Acquired ReplacementVehicle. If the vehicle youacquire replaces one shown inthe Declarations, the replace-ment vehicle will have the samecoverage as the vehicle itreplaced, other than Part D —Coverage for Damage to YourAuto. This provision applies only

if there is no other insurancepolicy that provides coveragefor that replacement vehicle.

Part D — Coverage for Dam-age to Your Auto shall applyfor the first thirty (30) days af-ter you acquire the vehicle,including the date of acquisi-tion, only to the extent Part D— Coverage for Damage toYour Auto applied to the vehi-cle being replaced. You mustnotify us within thirty (30) daysafter you acquire the replace-ment vehicle for Part D —Coverage for Damage to YourAuto to continue.

(2) Newly Acquired AdditionalVehicle. For any newlyacquired vehicle that is inaddition to any shown in theDeclarations coverage shallapply for the first thirty (30)days after you acquire thevehicle, including the date ofacquisition. Coverage shall bethe broadest coverage weprovide for any vehicle shownin the Declarations. Thiscoverage applies only if:

(a) you acquire the additionalvehicle during the policyperiod shown on theDeclarations; and

(b) there is no otherinsurance policy thatprovides coverage for theadditional vehicle.

If you wish to add or continuecoverage you must ask us toinsure the additional vehiclewithin thirty (30) days after youacquire the additional vehicle.This thirty (30) days of cover-age includes the day youacquire the vehicle.

(3) Collision Coverage for a newlyacquired vehicle begins on thedate that you acquire thevehicle. However, if the Dec-larations does not indicate thatCollision Coverage applies toat least one vehicle, you mustask us to insure the newlyacquired vehicle within four (4)days after you acquire it. If aloss occurs during the four (4)days after you acquire thevehicle but before you askedus to insure the newly acquiredvehicle, a $500 collisiondeductible will apply.


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(4) Comprehensive Coverage for anewly acquired vehicle beginson the date that you acquirethe vehicle. However, if theDeclarations does not indicatethat Comprehensive Coverageapplies to at least one vehicle,you must ask us to insure thenewly acquired vehicle withinfour (4) days after you acquireit. If a loss occurs during thefour (4) days after you acquirethe vehicle but before youasked us to insure the newlyacquired vehicle, a $500comprehensive deductible willapply.

3. Any auto or trailer you do not own whileused as a temporary substitute for anyother vehicle described in this definitionwhich is out of normal use because ofits:

a. breakdown;

b. repair;

c. servicing;

d. loss; or

e. destruction.

This provision (O.3.) does not apply toCoverage for Damage to Your Auto.

PART A — LIABILITY COVERAGE

INSURING AGREEMENT

A. We will pay damages for bodily injury orproperty damage for which any insured be-comes legally responsible because of anauto accident. We will settle or defend, as weconsider appropriate, any claim or suit askingfor these damages. In addition to our limit ofliability, we will pay all defense costs we in-cur. Our duty to settle or defend ends whenour limit of liability for this coverage has beenexhausted. We have no duty to defend anysuit or settle any claim for bodily injury orproperty damage not covered under thispolicy.

B. “Insured” as used in this Part means:

1. You or any family member for the own-ership, maintenance or use of any autoor trailer.

2. Any person using your covered autowith your express or implied permission.The actual use must be within the scopeof that permission.

3. For your covered auto, any person ororganization but only with respect to le-gal responsibility for acts or omissions ofa person for whom coverage is affordedunder B.1. and B.2. above.

4. For any auto or trailer, other than yourcovered auto, any other person or or-ganization but only with respect to legalresponsibility for acts or omissions ofyou or any family member for whomcoverage is afforded under this Part.This provision (B.4.) applies only if theperson or organization does not own orhire the auto or trailer.

INTEREST ON JUDGMENTS

We will pay interest on judgments subject to all ofthe following:

1. Any notice, demand, summons, judg-ment, or any process has been promptlyforwarded to us as required by the policyconditions.

2. We accept the defense or agree to thejudgment.

3. We will pay the interest on that part ofthe judgment that is covered and thatdoes not exceed our applicable limit ofliability.

4. We will pay interest that accrues afterentry of judgment and before we pay,tender, or deposit in court.

5. If we appeal the judgment, we will payinterest on the entire judgment.

6. Post-judgment interest is in addition tothe applicable limit of liability.

7. Where we are required to cover pre-judgment interest, it shall be included inthe limit of liability and is not an addi-tional amount of insurance.

SUPPLEMENTARY PAYMENTS

We will pay on behalf of an insured:

1. Up to $1,000 for the cost of bail bondsrequired because of an accident, includ-ing related traffic law violations. Theaccident must result in bodily injury orproperty damage covered under thispolicy. We are not obligated to apply foror furnish such bonds.

2. Premiums on appeal bonds and bondsto release attachments in any suit wedefend.

3. Up to $250 a day for loss of earnings,but not other income, because of at-tendance at hearings or trials at ourrequest.


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4. Other reasonable expenses incurred atour request.

5. All expenses incurred by an insured forfirst aid to others at the time of the acci-dent, not to exceed $10,000.

EXCLUSIONS

A. We do not provide Liability Coverage for:

1. Any insured who intentionally causesbodily injury or property damage.

2. Property damage to property owned orbeing transported by any insured.

3. Property damage to property:

a. rented to;

b. used by; or

c. in the care of;

any insured.

This exclusion (A.3.) does not apply toproperty damage to a residence orprivate garage.

4. Bodily injury to an employee of any in-sured during the course of employment.This exclusion (A.4.) does not apply tobodily injury to a domestic employeeunless workers compensation benefitsare required or available for that domes-tic employee.

5. Any insured’s liability arising out of theownership or operation of a vehiclewhile it is being used as a public or liv-ery conveyance. This exclusion (A.5.)does not apply to a share-the-expensecar pool.

6. Any insured using any vehicle whileemployed in the pickup or delivery ofnewspapers or magazines, food or anyproducts for the purpose of compensa-tion. This exclusion does not apply todelivery that is incidental to an in-sured’s business.

7. a. Any insured while employed orotherwise engaged in the businessof:

(1) selling;

(2) repairing;

(3) servicing;

(4) storing; or

(5) parking;

vehicles designed for use mainly onpublic highways. This includes roadtesting and delivery.

b. This exclusion (A.7.) does not ap-ply to the ownership, maintenanceor use of your covered auto by:

(1) you;

(2) any family member; or

(3) any partner, agent or employeeof you or any family member.

8. Any insured maintaining or using anyvehicle while that insured is employedor otherwise engaged in any business(other than farming or ranching) not de-scribed in Exclusions A.6. or A.7. Thisexclusion (A.8.) does not apply to themaintenance or use of a:

a. private passenger auto;

b. pickup, motorhome or van that:

(1) you own; or

(2) you do not own while used as atemporary substitute for yourcovered auto which is out ofnormal use because of its:

(a) breakdown;

(b) repair;

(c) servicing;

(d) loss; or

(e) destruction; or

c. trailer used with a vehicle de-scribed in A.8.a. or A.8.b. above.

9. Any insured using a vehicle without theexpress or implied permission of theowner or other person having lawfulpossession, or using a vehicle beyondthe scope of the permission granted.However, this exclusion does not applyto a family member using your cov-ered auto.

10. a. Bodily injury or property damagefor which any insured:

(1) is an insured under a nuclearenergy liability policy; or

(2) would be an insured under anuclear energy liability policybut for its termination uponexhaustion of its limit of liability.

b. A nuclear energy liability policy is apolicy issued by any of the follow-ing or their successors:

(1) Nuclear Energy LiabilityInsurance Association;

(2) Mutual Atomic Energy LiabilityUnderwriters; or

(3) Nuclear Insurance Associationof Canada.

11. Punitive or exemplary damagesawarded against any insured.


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12. Bodily injury to you or any familymember except to the extent of theminimum limits of Liability Coveragerequired by the Texas Motor VehicleSafety Responsibility Act.

13. Bodily injury or property damage aris-ing out of the use of your covered autowhile leased or rented to others. How-ever, this exclusion does not apply tothe operation of your covered auto byyou or a family member.

14. Property damage due to or as a con-sequence of a seizure of any vehicle byfederal or state law enforcement officersas evidence in a case against any in-sured under the Texas ControlledSubstances Act or the federal ControlledSubstances Act if you are convicted insuch a case.

15. Bodily injury or property damage aris-ing out of a criminal act or omission ofthe insured. However, this exclusion(15.) does not apply to traffic violations.

B. We do not provide Liability Coverage for theownership, maintenance or use of:

1. a. Any vehicle which:

(1) has fewer than four wheels;

(2) is designed mainly for use offpublic roads; or

(3) is a vehicle not licensed for useon public roads.

b. This exclusion does not apply:

(1) while such vehicle is beingused by an insured in amedical emergency; or

(2) to any trailer.

2. Any vehicle, other than your coveredauto, which is:

a. owned by you; or

b. furnished or available for your regu-lar use.

3. a. Any vehicle, other than your cov-ered auto, which is:

(1) owned by any family memberor other person who resideswith you; or

(2) furnished or available for theregular use of any familymember or other person whoresides with you.

b. However, this exclusion (B.3.) doesnot apply to you while you aremaintaining or occupying any ve-hicle which is:

(1) owned by a family member orother person who resides withyou; or

(2) furnished or available for theregular use of a familymember or other person whoresides with you.

4. Any vehicle while it is:

a. operating on a surface designed orused for racing, except for an orga-nized and controlled event that isnot a speed, performance, stunt ordemolition event;

b. participating in a high performancedriving or racing instruction courseor school; or

c. preparing for, practicing for, usedin, or competing in any prearrangedor organized:

(1) race activity; or

(2) speed, performance, stunt, ordemolition contest or exhibition.

LIMIT OF LIABILITY

A. If the Declarations indicates “per person”/“peraccident” coverage applies:

The limit of liability as shown in the Declara-tions for “each person” for Bodily InjuryLiability is our maximum limit of liability for alldamages, including damages for care andloss of services (including loss of consortiumand wrongful death), arising out of bodily in-jury sustained by any one person in any oneauto accident.

Subject to this limit for “each person,” the lim-it of liability shown in the Declarations for“each accident” for Bodily Injury Liability isour maximum limit of liability for all damagesfor bodily injury resulting from any one autoaccident.

The limit of liability shown in the Declarationsfor each accident for Property Damage Liabil-ity is our maximum limit of liability for allproperty damage resulting from any one ac-cident.

This is the most we will pay regardless of thenumber of:

1. Insureds;

2. Claims made;

3. Vehicles or premiums shown in the Dec-larations; or

4. Vehicles involved in the auto accident.

B. If the Declarations indicate Combined Sin-gle Limit applies, Paragraph A. above isreplaced by the following:

The limit of liability shown in the Declarationsfor this coverage is our maximum limit of


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liability for all damages resulting from anyone auto accident. This is the most we willpay regardless of the number of:

1. Insureds;

2. Claims made;



We will apply the limit of liability to provideany separate limits required by law for bodilyinjury and property damage liability.However, this provision will not change ourtotal limit of liability.

C. No one will be entitled to receive duplicatepayments for the same elements of loss un-der this coverage and Part B1 or Part C ofthis policy.

D. A vehicle and attached trailer are consideredone vehicle. Therefore the limits of liabilitywill not be increased for an accident involvinga vehicle which has an attached trailer.

OUT OF STATE COVERAGE

If an auto accident to which this policy applies oc-curs in any state or province other than the one inwhich your covered auto is principally garaged,we will interpret your policy for that accident asfollows:

A. If the state or province has:

1. A financial responsibility or similar lawspecifying limits of liability for bodily in-jury or property damage higher thanthe limit shown in the Declarations, yourpolicy will provide the higher specifiedlimit.

2. A compulsory insurance or similar lawrequiring a nonresident to maintain in-surance whenever the nonresident usesa vehicle in that state or province, yourpolicy will provide at least the requiredminimum limits and types of coverage.

B. No one will be entitled to duplicate paymentsfor the same elements of loss.

FINANCIAL RESPONSIBILITY

When this policy is certified as future proof of fi-nancial responsibility, this policy shall comply withthe law to the extent required. The insured mustreimburse us if we make a payment that we wouldnot have made if this policy was not certified asproof of financial responsibility.

OTHER INSURANCE

If there is other applicable liability insurance avail-able any insurance we provide shall be excessover any other applicable liability insurance. Ifmore than one policy applies on an excess basis,we will bear our proportionate share with othercollectible liability insurance.

PART B1 — MEDICAL PAYMENTS COVERAGE

INSURING AGREEMENT

A. We will pay usual and customary chargesincurred for reasonable and necessarymedical and funeral expenses because ofbodily injury:

1. Caused by accident; and

2. Sustained by an insured.

We will pay only those expenses incurred forservices rendered within three (3) years fromthe date of the accident.

We have a right to review medical expensesand services to determine if they are reason-able and necessary for the bodily injurysustained.


1. You or any family member:

a. while occupying; or

b. as a pedestrian or bicyclist whenstruck by;

a motor vehicle designed for use mainlyon public roads or a trailer of any type.

2. Any other person while occupying yourcovered auto with your express or

implied permission. The actual use mustbe within the scope of that permission.

3. Any other person while occupying, as aguest, an automobile not owned by youor a family member, while being oper-ated by you or a family member.

C. “Usual and customary charges” as used inthis Part mean:

Any amount which we determine representsa customary charge for services in the geo-graphic area in which the service is rendered.To determine whether a charge is customary,we may consider outside sources of infor-mation of our choice, including, but notlimited to:

1. Licensed, certified or registered healthcare professionals;

2. Medical examinations;

3. Medical file reviews;

4. Medical bill review services; or

5. Computerized data bases.

The insured shall not be responsible forpayment of any reduction applied by us. If amedical provider disputes an amount paid by


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us, we will be responsible for resolving suchdisputes.

EXCLUSIONS

We do not provide Medical Payments Coveragefor any insured for bodily injury:

1. Sustained while occupying any motor-ized vehicle having fewer than fourwheels.

2. Sustained while occupying your cov-ered auto when it is being used as apublic or livery conveyance. This exclu-sion (2.) does not apply to a share-the-expense car pool.

3. Sustained while occupying any vehiclewhile employed in the pickup or deliveryof newspapers or magazines, food orany products for the purpose of com-pensation. This exclusion does notapply to delivery that is incidental to aninsured’s business.

4. Sustained while occupying any vehiclelocated for use as a residence or prem-ises.

5. Occurring during the course of employ-ment if workers compensation benefitsare required or available for the bodilyinjury.

6. Sustained while occupying, or whenstruck by, any vehicle (other than yourcovered auto) which is:

a. owned by you; or

b. furnished or available for your regu-lar use.

7. Sustained while occupying, or whenstruck by, any vehicle (other than yourcovered auto) which is

a. owned by any family member orother person who resides with you;or

b. furnished or available for the regu-lar use of any family member orother person who resides with you.

However, this exclusion (7.) does notapply to you.

8. Sustained while occupying a vehiclewithout the express or implied permis-sion of the owner or other person havinglawful possession, or using a vehiclebeyond the scope of the permissiongranted. However this exclusion doesnot apply to a family member usingyour covered auto.

9. Sustained while occupying a vehiclewhen it is being used in the business ofan insured. This exclusion (9.) does not

apply to bodily injury sustained whileoccupying a:

a. private passenger auto;

b. pickup, van or motorhome that youown; or

c. trailer used with a vehicle de-scribed in a. or b. above.

10. Caused by or as a consequence of:

a. discharge of a nuclear weapon(even if accidental);

b. war (declared or undeclared);

c. civil war;

d. insurrection; or

e. rebellion or revolution.

11. From or as a consequence of the follow-ing, whether controlled or uncontrolledor however caused:

a. nuclear reaction;

b. radiation; or

c. radioactive contamination.

12. Sustained while occupying any vehiclewhile it is:

a. operating on a surface designed orused for racing except for an orga-nized and controlled event that isnot a speed, performance, stunt ordemolition event;





LIMIT OF LIABILITY

A. The limit of liability shown in the Declarationsfor this coverage is our maximum limit of lia-bility for each person injured in any oneaccident. This is the most we will pay regard-less of the number of:

1. Insureds;

2. Claims made;


4. Vehicles involved in the accident.

B. No one will be entitled to receive duplicatepayments for the same elements of loss


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under this coverage and Part A or Part C ofthis policy.

OTHER INSURANCE

If there is other applicable auto medical paymentsinsurance available any insurance we provideshall be excess over any other applicable automedical payments insurance. If more than onepolicy applies on an excess basis, we will bear ourproportionate share with other collectible automedical payments insurance.

ASSIGNMENT OF PAYMENTS

1. An insured may assign, in writing, pay-ments of medical expenses for servicesprovided to the insured that are coveredunder Part B1 of this policy to a physi-cian or other healthcare provider thatfurnished such services to the insured.

2. If we received an insured’s written as-signment of such payments, we will paythe medical expenses covered underPart B1 directly to the physician or otherhealth care provider that furnished theservices to the insured.

PART B2 — PERSONAL INJURY PROTECTION COVERAGE

DEFINITIONS

A. “Family member” as used in this Partmeans a person related to the named in-sured by blood, marriage, civil union,domestic partnership or adoption who is aresident of the named insured’s household.This includes a ward or foster child.

If the spouse of the named insured ceasesto be a resident of the same household dur-ing the policy period, the spouse will beconsidered a family member under this cov-erage during a period of separation incontemplation of divorce and only until theeffective date of another policy listing thespouse as a named insured.

B. “Your covered auto”, as used in this Partmeans a motor vehicle owned by thenamed insured:

1. To which the bodily injury liability cover-age of this policy applies and for which aspecific premium is charged; and

2. For which the named insured is re-quired by the Texas Motor VehicleSafety Responsibility Act to maintainfinancial responsibility.

C. “Motor vehicle” means a:

1. Self-propelled vehicle designed for useon a highway;

2. A trailer or semi-trailer designed for usewith a self-propelled vehicle; or

3. Vehicle propelled by electric power ob-tained from overhead wires, but notoperated on rails.

However, motor vehicle does not include:

a. traction engines;

b. road rollers or graders;

c. tractor cranes;

d. power shovels;

e. well drillers; or

f. implements of husbandry.

D. “Named insured” means the person namedin the Declarations.

E. “Insured” as used in this coverage means:

1. The named insured or any familymember:

a. While occupying; or

b. When struck by;

a motor vehicle.

2. Any other person while occupying yourcovered auto with your express or im-plied permission. The actual use mustbe within the scope of that permission.

F. “Usual and customary charges” as used inthis Part means:

Any amount which we determine representsa customary charge or services in the geo-graphic area in which the service is rendered.To determine whether a charge is customary,we may consider outside sources of infor-mation of our choice, including, but notlimited to:

1. Licensed, certified or registered healthcare professionals;

2. Medical examinations;

3. Medical file reviews;

4. Medical bill review services; or

5. Computerized data bases.

The insured shall not be responsible forpayment of any reduction applied by us. If amedical provider disputes an amount paid byus, we will be responsible for resolving suchdisputes.

INSURING AGREEMENT

A. We will pay, in accordance with the TexasInsurance Code, personal injury protectionbenefits to an insured who sustains bodilyinjury. The bodily injury must:

1. Result from an accident with a motorvehicle; and


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2. Arise out of the ownership, maintenanceor use of a motor vehicle as a vehicle.

We have a right to review medical expensesand services to determine if they are reason-able and necessary for the bodily injurysustained.

B. Subject to the limits shown in the Declara-tions, personal injury protection benefitsconsist of the following:

1. Medical And Funeral Expenses:

Payment for usual and customarycharges incurred for all reasonable ex-penses incurred within 3 years from thedate of the accident for necessary:

a. medical, surgical, X-ray and dentalservices, including prosthetic de-vices;

b. ambulance, hospital, professionalnursing and funeral services; and

c. services for remedial treatment andcare rendered in accordance with arecognized religious healing meth-od.

2. Loss Of Income:

a. 80% of an insured’s loss of in-come from employment providedthat, at the time of the accident, theinsured:

(1) was an income producer; and

(2) was in an occupational status.

These benefits do not apply to anyloss after the insured dies.

b. Loss of income is the difference be-tween:

(1) income which would have beenearned had the insured notbeen injured; and

(2) the amount of income actuallyreceived from employmentduring the disability.

c. If the income being earned as ofthe date of the accident is a salaryor fixed remuneration, it shall beused in determining the amount ofincome which would have beenearned. Otherwise, the averagemonthly income earned during theperiod, not to exceed 12 months,before the date of the accident,shall be used.

3. Replacement Services:

Reasonable expenses incurred for ob-taining services that replace those aninsured would normally have per-formed:

a. without pay;

b. during a period of disability; and

c. for the care and maintenance of thefamily or household.

These benefits apply only if, at the timeof the accident, the insured:

a. was not an income producer; and

b. was not in an occupational status.

These benefits do not apply to any lossafter the insured dies.

If a lapse occurs:

1. In the period of total disability; or

2. In the medical treatment;

of an insured who has received medical andfuneral expenses benefits under B.1. or lossof income benefits under B.2. above, andthat insured subsequently claims additionalbenefits based upon a recurrence of the bod-ily injury for which the original claim forbenefits was made, that insured must pro-vide us with reasonable proof of therecurrence of the bodily injury. However, inno event shall the maximum limit for the totalof all personal injury protection benefitspayable to any insured exceed the maxi-mum limit for the total of all personal injuryprotection benefits shown in the Declara-tions.

EXCLUSIONS

A. We do not provide Personal Injury ProtectionCoverage for any insured for bodily injurysustained:

1. In an accident caused intentionally bythat insured.

2. By that insured while in the commissionof a felony.

3. By that insured while attempting toelude arrest by a law enforcement offi-cial.

B. We do not provide Personal Injury ProtectionCoverage for bodily injury sustained by:

1. The named insured or any familymember as a result of the use or opera-tion of any motor vehicle, other thanyour covered auto, owned by thenamed insured.

2. Any family member as a result of theuse or operation of any motor vehiclewhich is owned by that family memberand for which the financial responsibilityrequired by the Texas Motor VehicleSafety Responsibility Act is not in effect.

LIMIT OF LIABILITY

A. The limit of liability shown in the Schedule orDeclarations for Personal Injury Protection


SA-1852/TXEP 6/11 - 10 -

Coverage is our maximum limit of liability foreach insured injured in any one accident.This is the most we will pay regardless of thenumber of:

1. Insureds;

2. Claims made;

3. Your covered autos or premiumsshown in the Declarations; or

4. Your covered autos involved in the ac-cident.

B. With respect to an accident to which thiscoverage applies, any amounts paid underPart A of this policy to an insured who is apassenger in your covered auto shall re-duce any amount that person may be entitledto recover under this coverage.

OTHER INSURANCE

If there is other Personal Injury Protection Insur-ance, we will pay only our share of the loss. Ourshare is the proportion that our limit of liabilitybears to the total of all applicable limits. However,any insurance we provide with respect to a vehicleyou do not own, including any vehicle while usedas a temporary substitute for your covered auto,

shall be excess over any other collectible Person-al Injury Protection Insurance.

LOSS PAYMENTS

Benefits are payable:

1. No more frequently than every twoweeks; and

2. Within 30 days after satisfactory proof ofclaim is received.

ASSIGNMENT OF PAYMENTS

1. An insured may assign, in writing, pay-ments of medical expenses for servicesprovided to the insured that are coveredunder this coverage to a physician orother health care provider that furnishedsuch services to the insured.

2. If we receive an insured’s written as-signment of such payments, we will paythe medical expenses covered underthis coverage directly to the physician orother health care provider that furnishedthe services to the insured.

PART C — UNINSURED/UNDERINSURED MOTORISTS COVERAGE

INSURING AGREEMENT

A. We will pay damages which an insured islegally entitled to recover from the owner oroperator of an uninsured motor vehicle be-cause of:

1. Bodily injury sustained by that insuredand caused by an accident; or

2. Property damage caused by an acci-dent.

The owner’s or operator’s liability for thesedamages must arise out of the ownership,maintenance or use of the uninsured motorvehicle.

Any judgment for damages arising out of suitbrought without our written consent is notbinding on us. If we and you do not agree asto whether or not a vehicle is actually unin-sured, the burden of proof as to that issue shallbe on us.


1. You or any family member.

2. Any Rated Driver shown on the Declara-tions other than you or a familymember.

3. Any other person occupying your cov-ered auto with your express or impliedpermission. The actual use must bewithin the scope of that permission.

4. Any person entitled to recover damagesbecause of bodily injury to which thiscoverage applies sustained by a persondescribed in B.1., B.2. or B.3. above.

C. “Property damage” as used in this Partmeans physical injury to, or destruction of, orloss of use of:

1. Your covered auto, not including atemporary substitute.

2. Any property owned by a person listedin 1. or 2. of the definition of an insuredwhile contained in your covered auto.

3. Any property owned by you, any familymember or any other rated drivershown on the Declarations while con-tained in any auto not owned, but beingoperated, by you, any family memberor any other rated driver shown on theDeclarations.

D. “Uninsured motor vehicle” means a landmotor vehicle or trailer of any type:

1. To which no liability bond or policy ap-plies at the time of the accident.

2. To which a liability bond or policy ap-plies at the time of the accident but itslimit of liability either:

a. Is not enough to pay the fullamount the insured is legally enti-tled to recover as damages; or


SA-1852/TXEP 6/11 - 11 -

b. Has been reduced by payments toothers to an amount which is notenough to pay the full amount theinsured is legally entitled to recov-er as damages.

3. Which is a hit-and-run vehicle whoseoperator or owner cannot be identifiedand which hits:

a. you, any family member or anyother rated driver shown on theDeclarations;

b. a vehicle which you, any familymember or any other rated drivershown on the Declarations are oc-cupying; or

c. your covered auto.

4. To which a liability bond or policy ap-plies at the time of the accident, but thebonding or insuring company:

a. denies coverage; or

b. is or becomes insolvent.

However, “uninsured motor vehicle” doesnot include any vehicle or equipment:

1. Owned by or furnished or available forthe regular use of you, any familymember or any other rated drivershown on the Declarations.

2. Owned or operated by a self-insurer un-der any applicable motor vehicle law,except a self-insurer which is or be-comes insolvent.

3. Owned by any governmental unit oragency.

4. Operated on rails or crawler treads.

5. Designed mainly for use off public roadswhile not on public roads.

6. While located for use as a residence orpremises.

EXCLUSIONS

A. We do not provide Uninsured/UnderinsuredMotorists Coverage for bodily injury sustained:

1. By an insured while occupying, orwhen struck by, any motor vehicleowned by that insured which is not in-sured for this coverage under this policy.This includes a trailer of any type usedwith that vehicle.

2. By any family member while occupy-ing, or when struck by, any motorvehicle you own which is insured for thiscoverage on a primary basis under anyother policy.

B. We do not provide Uninsured/UnderinsuredMotorists Coverage for bodily injury orproperty damage sustained by any insured:

1. Resulting from the intentional acts of theinsured.

2. If that insured or the legal representa-tive settles the bodily injury orproperty damage claim without ourconsent.

3. While occupying your covered autowhen it is being used as a public or liv-ery conveyance. This exclusion (B.3.)does not apply to a share-the-expensecar pool.

4. While using any vehicle while employedin the pickup or delivery of newspapersor magazines, food or any products forthe purpose of compensation. Thisexclusion does not apply to delivery thatis incidental to an insured’s business.

5. While using a vehicle without the ex-press or implied permission of the owneror other person having lawful posses-sion, or using a vehicle beyond thescope of the permission granted. How-ever, this exclusion does not apply toyou, any family member or any otherrated driver shown on the Declarationsusing your covered auto.

6. While occupying or operating an ownedmotorcycle or moped.

7. While using any vehicle while it is:

a. operating on a surface designed orused for racing except for an orga-nized and controlled event that isnot a speed, performance, stunt ordemolition event;


c. preparing for, practicing for, used in,or competing in any prearranged ororganized:


(2) speed, performance, stunt, ordemolition contest or exhibi-tion.

8. For the first $250 of the amount ofproperty damage to the property of thatinsured as the result of any one acci-dent.

9. For loss to your covered auto, anynon-owned auto or trailer for diminu-tion in value.


SA-1852/TXEP 6/11 - 12 -

C. This coverage shall not apply directly or indi-rectly to benefit:

1. Any insurer or self-insurer under any ofthe following or similar law:

a. Workers compensation law; or

b. Disability benefits law.

2. Any insurer of property.

D. We do not provide Uninsured/UnderinsuredMotorists Coverage for punitive or exemplarydamages.

LIMIT OF LIABILITY

A. The limit of liability shown in the Declarationsfor “each person” for Uninsured/Under-insured Motorists Coverage is our maximumlimit of liability for all damages, includingdamages for care and loss of services (in-cluding loss of consortium and wrongfuldeath), arising out of bodily injury sustainedby any one person in any one auto accident.

Subject to this limit for “each person”, the lim-it of liability shown in the Declarations for“each accident” for Uninsured/UnderinsuredMotorists Coverage is our maximum limit ofliability for all damages for bodily injury re-sulting from any one auto accident.

The limit of Property Damage Liability shownin the Declarations for “each accident” forUninsured/Underinsured Motorists Coverageis our maximum limit of liability for all proper-ty damage resulting from any one accident.

This is the most we will pay regardless of thenumber of:

1. Insureds;

2. Claims made;

3. Bonds or policies applicable;


5. Vehicles involved in the accident.

B. If the Declarations indicate Combined SingleLimit Coverage applies, paragraph (A.)above is replaced by the following:

The limit of liability shown in the Declarationsfor Uninsured/Underinsured Motorists Cover-age is our maximum limit of liability for alldamages resulting from any one auto acci-dent. This is the most we will pay regardlessof the number of:

1. Insureds;

2. Claims made;

3. Bonds or policies applicable;



We will apply the limit of liability to provideany separate limits required by law for bodilyinjury and property damage liability. How-ever, this provision will not change our totallimit of liability.

C. Subject to Paragraph A. or B. our limit of lia-bility will be the lesser of:

1. The difference between the amount ofan insured’s damages for bodily injuryor property damage and the amountpaid or payable to that insured for suchdamages by or on behalf of persons ororganizations who may be legally re-sponsible; and

2. The applicable limit of liability for thiscoverage.

D. No one will be entitled to receive duplicatepayments for the same elements of loss un-der this coverage and:

1. Part A, Part B1 or Part D of this policy;or

2. Personal Injury Protection Coverage.

E. We will not make a duplicate payment underthis coverage for any element of loss forwhich payment has been made by or on be-half of persons or organizations who may belegally responsible.

F. We will not pay for any element of loss if aperson is entitled to receive payment for thesame element of loss under any of the follow-ing or similar law:

1. Workers compensation law; or

2. Disability benefits or occupational dis-ease laws.

G. With respect to coverage under Paragraph 2.of the definition of uninsured motor vehicle,we will reduce the insured’s total damagesby any amount available to that insured,under any bodily injury liability bonds orpolicies applicable to the uninsured motorvehicle, that such insured did not recover asa result of a settlement between that insuredand the insurer of an uninsured motorvehicle. However, any reduction of theinsured’s total damages will not reduce thelimit of liability for this coverage.

This Paragraph (G.) shall not apply if we ad-vance payment to the insured in the amountequal to the tentative settlement with the in-surer of the uninsured motor vehicle.

H. A vehicle and attached trailer are consideredone vehicle. Therefore the limits of liabilitywill not be increased for an accident involvinga vehicle which has an attached trailer.

OTHER INSURANCE

If there is other applicable insurance availableunder one or more policies or provisions of


SA-1852/TXEP 6/11 - 13 -

coverage that is similar to the insurance providedunder this Part of the policy:

1. Any insurance we provide with respectto a vehicle you do not own, includingany vehicle while used as a temporarysubstitute for your covered auto, shallbe excess over any collectible insurance.

2. If the coverage under this policy is pro-vided:

a. on a primary basis, we will pay onlyour share of the loss that must bepaid under insurance providingcoverage on a primary basis. Ourshare is the proportion that our limitof liability bears to the total of allapplicable limits of liability for cov-erage provided on a primary basis.

b. on an excess basis, we will pay on-ly our share of the loss that must bepaid under insurance providingcoverage on an excess basis. Ourshare is the proportion that our limitof liability bears to the total of allapplicable limits of liability for cov-erage provided on an excess basis.

An insured that has Collision Coverage andUninsured/Underinsured Motorists Coverage— Property Damage may choose the cover-age from which to recover damages. Ifneither coverage is sufficient, the insuredmay recover under both Collision and Unin-sured/Underinsured Motorists Coveragesubject to the following:

1. The insured will pay the higher deducti-ble but does not have to pay bothdeductibles; and

2. The insured may not recover more thanactual damages.

ARBITRATION

A. If we and an insured do not agree:

1. Whether that insured is legally entitledto recover damages; or

2. As to the amount of damages which arerecoverable by that insured;

from the owner or operator of an uninsuredmotor vehicle then the matter may bearbitrated. However, disputes concerningcoverage under this Part may not bearbitrated.

Both parties must agree to arbitration. If soagreed, each party will select an arbitrator.The two arbitrators will select a third. If theycannot agree within 30 days, either mayrequest that selection be made by a judge ofa court having jurisdiction.

B. Each party will:

1. Pay the expenses it incurs; and

2. Bear the expenses of the third arbitratorequally.

C. Unless both parties agree otherwise, arbitra-tion will take place in the county in which theinsured lives. Local rules of law as to proce-dure and evidence will apply. A decisionagreed to by two of the arbitrators will bebinding as to:

1. Whether the insured is legally entitledto recover damages; and

2. The amount of damages. This appliesonly if the amount does not exceed theminimum limit for bodily injury liabilityspecified by the financial responsibilitylaw of the state in which your coveredauto is principally garaged. If theamount exceeds that limit, either partymay demand the right to a trial. Thisdemand must be made within 60 days ofthe arbitrators’ decision. If this demandis not made, the amount of damagesagreed to by the arbitrators will be bind-ing.

However, at any time before the arbitrators’decision, either party may revoke the agree-ment to arbitrate the matter.

ADDITIONAL DUTIES

A person seeking Uninsured Motorists Coverageunder Paragraph 2. of the definition of uninsuredmotor vehicle must also promptly:

1. Send us copies of the legal papers if asuit is brought; and

2. Notify us in writing of a tentativesettlement between the insured and theinsurer of the uninsured motor vehicleand allow us 30 days to advancepayment to that insured in an amountequal to the tentative settlement topreserve our rights against the insurer,owner or operator of such uninsuredmotor vehicle.


SA-1852/TXEP 6/11 - 14 -

PART D — COVERAGE FOR DAMAGE TO YOUR AUTO

INSURING AGREEMENT

A. We will pay for direct and accidental loss toyour covered auto or any non-owned auto,including its equipment, any child safety seatin use in your covered auto or non-ownedauto, minus any applicable deductible shownin the Declarations. We will pay for loss toyour covered auto caused by:

1. Other than collision only if the Declara-tions indicate that ComprehensiveCoverage is provided for that auto.

2. Collision only if the Declarations indi-cate that Collision Coverage is providedfor that auto.

If there is a loss to a non-owned auto, wewill provide the broadest coverage applicableto any vehicle shown in the Declarations.

Deductible

Unless stated otherwise, the applicable de-ductible shown in the Declarations shall beapplied to each accidental loss covered un-der this Part of the policy. However,

a. if loss to more than one of yourcovered autos or a non-ownedauto results from the same loss,only the highest applicable deducti-ble will apply;

b. in the event of a collision with an-other vehicle insured by:

(1) a Safeco insurance company;or

(2) another Liberty Mutual AgencyCorporation company;

no deductible will apply.

This does not include a vehicle de-scribed as your covered auto ornon-owned auto.

c. no deductible will apply to yourcovered auto or a non-ownedauto if the loss to your coveredauto or a non-owned auto resultsfrom the same event as a losscovered under your SafecoHomeowners. Condominium orRenters policy and we issue apayment under your Homeowners,Condominium or Renters policy forthe loss.

B. “Collision” means the upset of your cov-ered auto or a non-owned auto or itsimpact with another vehicle or object.

“Comprehensive” means loss, other thancollision, to your covered auto or anon-owned auto. Losses caused by thefollowing are not collision losses but arecomprehensive losses:

Loss caused by missiles or falling objects;fire; theft or larceny; explosion or earthquake;windstorm; hail, water or flood; maliciousmischief or vandalism; riot or civil commotion;contact with a bird or animal; or breakage ofglass.

If breakage of glass is caused by a collision,you may elect to have it considered a losscaused by collision.

C. 1. “Non-owned auto” means:

a. Any private passenger auto,pickup, van (other than cargo van)or trailer with a Gross VehicleWeight rating of 12,000 pounds orless or any cargo van or movingvan with a Gross Vehicle WeightRating of 18,000 pounds or less,not owned by or furnished or avail-able for the regular use of you orany family member while in thecustody of or being operated by youor any family member.

b. Any auto or trailer you do not ownwhile used as a temporary substi-tute for your covered auto whichis out of normal use because of its:

(1) breakdown;

(2) repair;

(3) servicing;

(4) loss; or

(5) destruction.

2. “Non-owned auto” does not includeany vehicle which has been operated orrented by or in the possession of you orany family member for 30 or more con-secutive days. This does not apply to atemporary substitute vehicle authorizedby us.

D. “Camper body” means a body equipped assleeping or living quarters which is designedto be mounted on a pickup.

TRANSPORTATION EXPENSES

A. Subject to the limitations described in para-graphs B. and C., below, we will pay:

1. Temporary transportation expensesincurred by you in the event of the totaltheft of your covered auto or a non-owned auto. We will pay for suchexpenses only if the Declarationsindicate that Comprehensive Coverageis provided for that auto. We will payonly expenses incurred during theperiod:

a. beginning 48 hours after the theft;and


SA-1852/TXEP 6/11 - 15 -

b. ending when your covered auto orthe non-owned auto is returned touse or we pay for its loss.

2. Indirect loss expenses for which you be-come legally responsible in the event ofa loss to a non-owned auto. We willpay only expenses beginning when thenon-owned auto is withdrawn from usefor more than 24 hours. We will pay forindirect loss expenses if the loss iscaused by:

a. a comprehensive loss only if theDeclarations indicate that Com-prehensive Coverage is providedfor any your covered auto.

b. collision only if the Declarationsindicate that Collision Coverage isprovided for any your coveredauto.

B. For the expenses described in paragraphsA.1. and A.2. we will pay the greater of thefollowing, without application of a deductible:

1. Up to $25 per day, to a maximum of$750; or

2. The limit for Loss of Use, if any, shownin the Declarations.

C. Our payment for the expenses described inparagraphs A.1. and A.2. will be limited tothat period of time reasonably required to re-pair or replace the your covered auto or thenon-owned auto.

EXCLUSIONS

We will not pay for:

1. Loss to your covered auto or any non-owned auto which occurs while it is be-ing used as a public or liveryconveyance. This exclusion (1.) doesnot apply to a share-the-expense carpool.

2. Loss to your covered auto or any non-owned auto while employed in thepickup or delivery of newspapers ormagazines, food or any products for thepurpose of compensation. This exclu-sion does not apply to delivery that isincidental to an insured’s business.

3. Damage or loss due and confined to:

a. wear and tear;

b. freezing;

c. mechanical or electrical breakdownor failure; or

d. road damage to tires.

This exclusion (3.) does not apply if thedamage results from the total theft ofyour covered auto or any non-ownedauto.

4. Damage or loss arising out of neglect.Neglect means your failure to adequate-ly maintain your covered auto or non-owned auto after the loss.

With respect to water under Compre-hensive Coverage, there is no coveragefor:

a. moisture, condensation, humidity,or vapor;

b. water intrusion around or throughpanels, surfaces and seals; or

c. water that collects in spaces orventilation systems; or

d. fungi, dry rot or bacteria;

resulting from neglect.

5. Loss due to or as a consequence of:

a. discharge of any nuclear weapon(even if accidental);

b. war (declared or undeclared);

c. civil war;

d. insurrection; or

e. rebellion or revolution.

6. Loss from or as a consequence of thefollowing, whether controlled or uncon-trolled or however caused:

a. nuclear reaction;

b. radiation; or

c. radioactive contamination.

7. Loss to:

a. any electronic equipment designedfor the production or reproductionof sound, pictures, audio, visual ordata or that receives or transmitssound, pictures or data signals.

b. This exclusion (7.) does not applyto:

(1) equipment designed for thereproduction of sound ortransmission of sound,pictures, audio, visual or datasignals and accessories usedwith such equipment, provided:

(a) the electronic equipmentis permanently installed bythe original vehicle manu-facturer or manufacturer’sdealership in your cov-ered auto or anynon-owned auto; or

(b) the electronic equipmentis:

i. removable from ahousing unit which ispermanently installed


SA-1852/TXEP 6/11 - 16 -

by the original vehi-cle manufacturer ormanufacturer’s deal-ership in the auto;

ii. designed to be solelyoperated by use ofthe power from theauto’s electrical sys-tem; and

iii. in or upon yourcovered auto or anynon-owned auto;

at the time of loss.

(c) any equipment installedthrough our TeensuranceTM

program.

However, we will pay only upto a total of $1,000 or the ac-tual cash value of yourcovered auto or any non-owned auto, whichever isless, for all such equipmentthat is not installed by the orig-inal vehicle manufacturer ormanufacturer’s dealership.

(2) any other electronic equipmentthat is:

(a) necessary for the normaloperation of the auto orthe monitoring of theauto’s operating systems;

(b) an integral part of thesame unit housing anyelectronic equipment des-cribed in 7.a. andpermanently installed bythe original vehiclemanufacturer or manu-facturer’s dealership inyour covered auto or anynon-owned auto.

8. Loss to:

a. tapes, records, discs, or other me-dia used with such equipmentdescribed in exclusion (7.); or

b. any other accessories, not perma-nently installed used with suchequipment described in exclusion(7.).

9. Loss to your covered auto or any non-owned auto due to destruction or con-fiscation by governmental or civilauthorities because you or any familymember:

a. engaged in illegal activities;

b. failed to comply with EnvironmentalProtection Agency or Departmentof Transportation standards; or

c. engaged in activities leading toconviction under the TexasControlled Substance Act or theFederal Controlled Substance Act.

This exclusion (9.) does not apply to theinterests of Loss Payees in your cov-ered auto.

10. Loss to a camper body, motorhome ortrailer you own which is not shown inthe Declarations. This exclusion (10.)does not apply to a camper body, mo-torhome or trailer you:

a. acquire during the policy period;and

b. ask us to insure within 30 days af-ter you become the owner.

11. Loss to any non-owned auto whenused by you or any family memberwithout the express or implied permis-sion of the owner.

12. Loss to equipment, whether operationalor not, whose design may be used forthe detection or location of law enforce-ment equipment.

13. Loss to any non-owned auto beingmaintained or used by any person whileemployed or otherwise engaged in thebusiness of:

a. selling;

b. repairing;

c. servicing;

d. storing; or

e. parking;

vehicles designed for use on publichighways. This includes road testing anddelivery.

14. Loss to any non-owned auto beingmaintained or used by any person whileemployed or otherwise engaged in anybusiness not described in exclusion 2.and 13. This exclusion (14.) does notapply to the maintenance or use by youor any family member of a non-ownedauto which is a private passenger autoor trailer.

15. Loss to your covered auto or any non-owned auto while it is:

a. operating on a surface designed orused for racing. This does not applyto an organized and controlledevent that is not a speed, perfor-mance, stunt or demolition event;



SA-1852/TXEP 6/11 - 17 -




16. Loss to, or loss of use of, a non-ownedauto rented by:

a. you; or

b. any family member;

if a rental vehicle company is precludedfrom recovering such loss or loss of use,from you or that family member, pursu-ant to the provisions of any applicablerental agreement or state law.

17. Loss to your covered auto or any non-owned auto, arising out of the actual,alleged or threatened presence, growth,proliferation or spread of fungi, dry rotor bacteria.

18. Loss to your covered auto, non-owned auto, or trailer, for diminutionin value.

19. Loss in excess of $1,000 per claim orthe actual cash value of your coveredauto or any non-owned auto, whicheveris less, for any furnishings or equipmentthat were not installed by the originalvehicle manufacturer or manufacturer’sdealership which mechanically or struc-turally changes your vehicle and resultsin increase in performance or change inappearance, including but not limited to:

a. custom murals, paintings or otherdecals or graphics;

b. custom wheels, tachometers, pres-sure and temperature gauges;

c. modified or custom engines andfuel systems, light bars, racingslicks and/or oversized tires, rollbars and lift kits, winches, utilityboxes, and tool boxes; or

d. non-standard paint.

This exclusion does not apply to equip-ment installed to make a vehiclehandicap accessible.

20. Loss arising out of the use of your cov-ered auto while leased or rented toothers.

21. Loss to your covered auto or a non-owned auto caused by an intentionalact by you or a family member, or atthe direction of you or a family mem-ber. However, this exclusion does notapply to the ownership interest of you ora family member who is not a partici-pant in the intentional act.

LIMIT OF LIABILITY

A. At our option, our limit of liability for loss willbe the lowest of:

1. The actual cash value of the stolen ordamaged property;

2. a. The amount necessary to repair orreplace the property with propertyof like kind and quality;

b. Determination of the cost of repairor replacement will be based uponone of the following:

(1) the cost of repair orreplacement agreed upon byyou and us;

(2) a competitive bid approved byus; or

(3) an estimate written based uponthe prevailing competitive price.You agree with us that we mayinclude in the estimate partsfurnished by the original vehiclemanufacturer or parts fromother sources including non-original equipment manu-facturers. The prevailingcompetitive price means pricescharged by a majority of therepair market in the area wherethe vehicle is to be repaired asdetermined by us; or

3. The limit of liability shown in the Decla-rations.

However, the most we will pay for loss to anynon-owned auto, which is a trailer, is$1,500.

B. An adjustment for depreciation and physicalcondition may be made based upon thephysical condition and wear and tear of theproperty or damaged part of the property atthe time of the loss. This adjustment forphysical condition includes but is not limitedto, broken, cracked or missing parts, rust,dents, scrapes, gouges and paint condition.When replacing parts normally subject to re-pair or replacement during the useful life ofthe vehicle, we will not pay for the amount ofany betterment.

C. No one will be entitled to receive duplicatepayments for the same elements of loss un-der this coverage and property damagecovered under Part C of this policy.

PAYMENT OF LOSS

We may pay for loss in money or repair or replacethe damaged or stolen property. We may, at ourexpense, return any stolen property to:

1. You; or

2. The address shown in this policy.


SA-1852/TXEP 6/11 - 18 -

If we return stolen property we will pay for anydamage resulting from the theft. We may keep allor part of the property at an agreed or appraisedvalue.

If we pay for loss in money, our payment will in-clude the applicable sales tax for the damaged orstolen property.

If you and we both agree, we will waive the appli-cable deductible shown in the Declarations for aloss to glass if the glass is repaired rather thanreplaced.

NO BENEFIT TO BAILEE

This insurance shall not directly or indirectly bene-fit any carrier or other bailee for hire.

OTHER SOURCES OF RECOVERY

If other sources of recovery also cover the loss,we will pay only our share of the loss. Our share isthe proportion that our limit of liability bears to thetotal of all applicable limits. However, any insur-ance we provide with respect to a non-ownedauto shall be excess over any other collectiblesource of recovery including, but not limited to:

1. Any coverage provided by the owner ofthe non-owned auto;

2. Any other applicable physical damageinsurance;

3. Any other source of recovery applicableto the loss.

APPRAISAL

A. If we and you do not agree on the amount ofloss, either may demand an appraisal of theloss. In this event, each party will select acompetent and impartial appraiser. The twoappraisers will select an umpire. The ap-praisers will state separately the actual cashvalue and the amount of loss. If they fail toagree, they will submit their differences to theumpire. A decision agreed to by any two willbe binding. Each party will:

1. Pay its chosen appraiser; and

2. Bear the expenses of the appraisal andumpire equally.

B. We do not waive any of our rights under thispolicy by agreeing to an appraisal.

MEXICO COVERAGE — LIMITED

WARNING

READ THIS ENDORSEMENT CAREFULLY!

Auto accidents in Mexico are subject to the lawsof Mexico only — NOT the laws of the UnitedStates of the America. Unlike the United States,the Republic of Mexico considers an auto accidenta CRIMINAL OFFENSE as well as a civil matter.

In some cases, the coverage under this endorse-ment may NOT be recognized by Mexicanauthorities and the company may not be allowedto implement this coverage at all in Mexico. Youshould consider purchasing auto coverage from alicensed Mexican Insurance Company before driv-ing into Mexico.

This endorsement does not apply to trips intoMexico that exceed 25 miles from the boundary ofthe United States of America.

The coverages for your covered auto providedby this policy are extended to accidents occurringin Mexico within 25 miles of the United Statesborder. The extension only applies for infrequenttrips into Mexico that do not exceed ten days atany one time.

“Infrequent trips” means less than five (5) tripsin any calendar month.

Additional Exclusion

We do not provide any coverage:

1. If your covered auto is not principallygaraged and used in the United States;and

2. To any insured who does not live in theUnited States.

Special Conditions

1. Other Insurance. The insurance weprovide by the endorsement will be ex-cess over any other collectibleinsurance.

2. Losses Payable Under Coverage forDamage to Your Auto. We will paylosses under Coverage for Damage toYour Auto in the United States, not inMexico. If your covered auto must berepaired in Mexico in order to be driven,we will not pay more than the actualcash value of such loss at the nearestUnited States point where the repairscan be made.


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PART E — DUTIES AFTER AN ACCIDENT OR LOSS

We have no duty to provide coverage under thispolicy unless there has been full compliance withthe following duties:

A. We must be notified promptly of how, whenand where the accident or loss happened.Notice should also include the names andaddresses of any injured persons and of anywitnesses.

B. A person seeking any coverage must:

1. Cooperate with us in the investigation,settlement or defense of any claim orsuit.

2. Promptly send us copies of any noticesor legal papers received in connectionwith the accident or loss.

3. Submit, as often as we reasonably require:

a. to physical examinations by physi-cians we select. We will pay forthese exams.

b. to examination under oath andsubscribe the same. We may ex-amine any insured separately andapart from the presence of any oth-er insured.

4. Authorize us to obtain:

a. medical reports that are reasonablyrelated to the accident or injury;and

b. other pertinent records.

5. Submit a proof of loss, under oath if re-quired by us.

For Personal Injury Protection Cover-age, if proof of loss is required, you mustsubmit it to us no later than six monthsafter the date of the accident.

C. A person seeking Uninsured Motorists Cov-erage must also:

1. Report the accident to the police or oth-er civil authority within twenty-four (24)hours or as soon as practicable if a hit-and-run driver is involved.

2. Promptly send us copies of the legal pa-pers if a suit is brought.

D. A person seeking Coverage for Damage toYour Auto must also:

1. Take reasonable steps after loss toprotect your covered auto or any non-owned auto and its equipment fromfurther loss. We will pay reasonableexpenses incurred to do this.

2. Promptly notify the police if your cov-ered auto or any non-owned auto isstolen.

3. Permit us to inspect and appraise thedamaged property before its repair ordisposal.

PART F — GENERAL PROVISIONS

POLICY PERIOD AND TERRITORY

A. This policy applies only to accidents andlosses which occur:

1. During the policy period as shown in theDeclarations; and

2. Within the policy territory.

B. The policy period is the period stated in theDeclarations. The policy may be renewed forsuccessive policy periods if the requiredpremium is paid and accepted by us on orbefore the expiration of the current policy pe-riod. The premium will be computed at ourthen current rate for coverage then offered.

C. The policy territory is:

1. The United States of America, its territo-ries or possessions;

2. Puerto Rico; or

3. Canada.

This policy also applies to loss to, or acci-dents involving, your covered auto whilebeing transported between their ports.

BANKRUPTCY

Bankruptcy or insolvency of the insured shall notrelieve us of any obligations under this policy.

CHANGES

A. This policy, your Declarations page and en-dorsements issued by us to this policycontain all the agreements between you andus. Its terms may not be changed or waivedexcept by endorsement issued by us.

B. The premium for your policy is based on in-formation we have received from you or othersources. You agree to cooperate with us indetermining if this information is correct andcomplete and you will notify us if it changes.If this information is incorrect, incomplete, orchanges, we will adjust your premium duringthe policy term or take other appropriate ac-tion based upon the corrected, completed orchanged information. Changes during thepolicy term that will result in a premium in-crease or decrease during the policy terminclude, but are not limited to, changes in:

1. The number, type or use classification ofinsured vehicles.


SA-1852/TXEP 6/11 - 20 -

2. Operators using insured vehicles includ-ing newly licensed family memberdrivers and any household membersthat have licenses.

3. The location where your vehicle is prin-cipally garaged.

4. Customized equipment or parts.

You also agree to disclose all licensed driv-ers residing in your household.

C. If we make a change which broadens cover-age under this edition of your policy withoutadditional premium charge, that change willautomatically apply to your policy as of thedate we implement the change in your state.This paragraph (C.) does not apply to chang-es implemented with a general programrevision that includes both broadenings andrestrictions in coverage, whether that generalprogram revision is implemented through in-troduction of:

1. A subsequent edition of your policy; or

2. An Amendatory Endorsement.

D. Additional or return premium of $3.00 or lessresulting from policy changes will be waived.

PAYMENT OF PREMIUM

If your initial premium payment is by check, draftor any remittance other than cash, coverage un-der this policy is conditioned upon the check, draftor remittance being honored upon presentment tothe bank or other financial institution. If the check,draft, or remittance is not honored upon present-ment, this policy may, at our option, be deemedvoid from its inception. This means that we will notbe liable under this policy for any claims or dam-ages which would otherwise be covered if thecheck, draft, or remittance had been honored up-on presentment.

FRAUD

This policy was issued in reliance upon the infor-mation provided on your application. We may voidthis policy in accordance with Chapter 705, Sub-chapter A of the Texas Insurance Code, if you oran insured have fraudulently concealed or mis-represented any material fact or circumstancematerial to the risk or contributed to the contin-gency or event on which the policy became dueand payable, or engaged in fraudulent conduct, atthe time application was made or any time duringthe policy period.

We may void this policy in accordance with Chap-ter 705, Subchapter A of the Texas InsuranceCode, or deny coverage for an accident or loss ifyou or an insured have fraudulently misrepre-sented a fact material to the question of theinsured’ s liability under the policy and mislead us,causing us to waive or lose a valid defense to thepolicy.

We may void this policy in accordance withChapter 705, Subchapter A of the Texas

Insurance Code, or deny coverage for fraud ormaterial misrepresentation as described aboveeven after the occurrence of an accident or loss.This means we will not be liable for any claims ordamages which would otherwise be covered. If wemake a payment, we may request that youreimburse us. If so requested, you must reimburseus for any payments we may have already made.

LEGAL ACTION AGAINST US

A. No legal action may be brought against usuntil there has been full compliance with allthe terms of this policy. In addition, underPart A, no legal action may be broughtagainst us until:

1. We agree in writing that the insured hasa legal obligation to pay damages; or

2. The amount of that obligation has beenfinally determined by judgment after trial.

B. No person or organization has any right un-der this policy to bring us into any action todetermine the legal liability of an insured.

OUR RIGHT TO RECOVER PAYMENT

A. If we make a payment under this policy andthe person to or for whom payment wasmade has a right to recover damages fromanother person, entity or organization weshall be subrogated to that right. That personshall:

1. Do whatever is necessary to enable usto exercise our rights; and

2. Do nothing after loss to prejudice them.

However, our rights in this paragraph (A.) donot apply under Part D, against any personusing your covered auto with your expressor implied permission or other person havinglawful possession and is not using a vehiclebeyond the scope of the permission granted.

B. If we make a payment under this policy andthe person to or for whom payment is maderecovers damages from another, that personshall:

1. Hold in trust for us the proceeds of therecovery; and

2. Reimburse us to the extent of our payment.

C. 1. Our rights do not apply under paragraphA. with respect to coverage underParagraph 2. of the definition ofuninsured motor vehicle if:

a. we have been given prompt writtennotice of a tentative settlement be-tween an insured and the insurerof an uninsured motor vehicle;and

b. we fail to advance payment to theinsured in an amount equal to the


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tentative settlement within 30 daysafter receipt of notification.

2. If we advance payment to the insured inan amount equal to the tentativesettlement within 30 days after receipt ofnotification:

a. That payment will be separate fromany amount the insured is entitledto recover under the provisions ofUninsured Motorists Coverage; and

b. We also have a right to recover theadvanced payment.

D. This provision only applies to Personal InjuryProtection Coverage when a person causingor contributing to the accident is unable toestablish that the vehicle that person wasoperating did not have financial responsibilitylimits required by Texas law on the date ofthe loss.

TERMINATION

A. Cancellation. This policy may be canceledduring the policy period as follows:

1. The named insured shown in the Decla-rations may cancel by:

a. returning this policy to us; or

b. giving us advance written or verbalnotice of the date cancellation is totake effect. We may waive the re-quirement the notice be in writingby confirming the date and time ofcancellation to you in writing.

2. We may cancel by mailing to the namedinsured shown in the Declarations at theaddress shown in this policy:

a. at least 10 days notice:

(1) If cancellation is fornonpayment of premium; or

(2) If notice is mailed during thefirst 60 days this policy is ineffect and this is not a renewalor continuation policy; or

b. at least 20 days notice in all othercases.

3. We will not cancel this policy solely be-cause you are an elected official.

4. After this policy is in effect for 60 days,or if this is a renewal policy, we will can-cel only:

a. for nonpayment of premium; or

b. if the insured submits a fraudulentclaim; or

c. if your driver’s license or that of:

(1) any driver who lives with you;or

(2) any driver who customarilyuses your covered auto;

has been suspended or revoked.This must have occurred:

(1) During the policy period; or

(2) Since the last anniversary of theoriginal effective date if thepolicy period is other than 1year.

However, in the event you or adriver described in 4.c. above hashad his or her driver’s license sus-pended or revoked, beforecanceling this policy we will offer tocontinue the policy with a provisionexcluding coverage when the per-son who has had his or her driver’slicense suspended or revoked isoperating your covered auto. Ifsuch offer is accepted by you, wewill issue an endorsement to thateffect; or

d. If the Texas Department of Insur-ance determines that continuationof the policy would result in a viola-tion of the Texas Insurance Codeor any other law governing thebusiness of insurance in Texas.

B. Nonrenewal. If we decide not to renew thispolicy, we will mail notice to the named in-sured shown in the Declarations at theaddress shown in this policy. Notice will bemailed at least 30 days before the end of thepolicy period. We will have the right not torenew or continue it only at each 1 year anni-versary of its original effective date.

However, we will not refuse to renew or con-tinue this policy solely because:

1. Of the age of you or any family mem-ber; or

2. You are an elected official.

C. Automatic Termination. If we offer to renewand you or your representative do not accept,this policy will automatically terminate at theend of the current policy period. Failure topay the required renewal premium when dueshall mean that you have not accepted ouroffer.

Coverage for your covered auto shall auto-matically terminate on the effective date ofany other motor vehicle insurance policycovering that vehicle.

D. Other Termination Provisions.

1. If the law in effect in your state at thetime this policy is issued or renewed:

a. requires a longer notice period;

b. requires a special form of or proce-dure for giving notice; or


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c. modifies any of the stated termina-tion reasons;

we will comply with those requirements.

2. We may deliver any notice instead ofmailing it. Proof of mailing of any noticeshall be sufficient proof of notice.

3. If this policy is canceled, you may be en-titled to a premium refund. If so, we willsend you the refund. The premium re-fund, if any, will be computed pro rata.However, making or offering to makethe refund is not a condition of cancella-tion.

4. The effective date of cancellation statedin the notice shall become the end of thepolicy period.

TRANSFER OF YOUR INTEREST IN THIS POLICY

A. Your rights and duties under this policy maynot be assigned without our written consent.However, if a named insured shown in theDeclarations dies, coverage will be providedfor:

1. The surviving spouse, civil partner ordomestic partner if resident in thesame household at the time of death.Coverage applies to the spouse, civilpartner or domestic partner as if anamed insured shown in the Declara-tions; and

2. The legal representative of the de-ceased person as if a named insuredshown in the Declarations. This appliesonly with respect to the representative’slegal responsibility to maintain or useyour covered auto.

B. Coverage will only be provided until the endof the policy period.

TWO OR MORE AUTOS INSURED; TWO ORMORE AUTO POLICIES

If this policy insures two or more autos or if anyother auto insurance policy issued to you by usapplies to the same accident, the maximum limitof our liability shall not exceed the highest limitapplicable to any one auto. In no event shall thelimit of liability of two or more motor vehicles ortwo or more policies be added together,combined, or stacked to determine the limit ofinsurance coverage available to you or anyinsured.

LOSS PAYABLE CLAUSE

As to the interest of the loss payee, this policy willremain in effect from the inception date and untilten days after proof of mailing that the cancella-tion notice has been mailed to the loss payee.When we pay the loss payee we shall, to the ex-tent of payment, have the loss payee’s rights ofrecovery.

STORAGE COSTS

If you give us your consent, we may move thedamaged property, at our expense, to reducestorage costs during the claims process. If you donot give us your consent, we will pay only thestorage costs which would have resulted if we hadmoved the damaged property.

PAYMENT OF FIRST PARTY BENEFITS

A. Within 15 days after we receive your writtennotice of claim, we must:

1. Acknowledge receipt of the claim.

If our acknowledgment of the claim isnot in writing, we will keep a record ofthe date, method and content of our ac-knowledgment.

2. Begin any investigation of the claim.

3. Specify the information you must pro-vide in accordance with paragraph A.above.

We may request more information, if duringthe investigation of the claim such additionalinformation is necessary.

B. After we receive the information we request,we must notify you in writing whether theclaim will be paid or has been denied orwhether more information is needed:

1. Within 15 business days; or

2. Within 30 days if we have reason to be-lieve the loss resulted from arson.

C. If we do not approve payment of your claimor require more time for processing yourclaim, we must:

1. Give the reasons for denying your claim;or

2. Give the reasons we require more timeto process your claim. But, we must ei-ther approve or deny your claim within45 days after our requesting more time.

D. In the event of a weather-related catastropheor major natural disaster, as defined by theTexas Department of Insurance, the claim-handling deadlines as stated above are ex-tended for an additional 15 days.

LOSS PAYMENT

A. If we notify you that we will pay your claim, orpart of your claim, we must pay within 5business days after we notify you.

B. If payment of your claim or part of your claimrequires the performance of an act by you,we must pay within 5 business days afterthe date you perform the act.

NOTICE OF SETTLEMENT OF LIABILITY CLAIM

A. We will notify you in writing of any initial offerto compromise or settle a claim against youunder the liability section of this policy. We


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will give you notice within 10 days after thedate the offer is made.

B. We will notify you in writing of any settlementof a claim against you under the liability

section of this policy. We will give you noticewithin 30 days after the date of thesettlement.

ADDITIONAL COVERAGES

AGREEMENT: WE WILL PROVIDE THE INSURANCE DESCRIBED IN EACH OF THE FOLLOWINGADDITIONAL COVERAGES ONLY IF INDICATED IN THE DECLARATIONS.

ROADSIDE ASSISTANCE COVERAGE CALL1-877-ROAD 101 (1-877-762-3101)

“Your covered auto” as used in this endorse-ment means a private passenger vehicle, motorhome or trailer owned by you and for which aspecific premium is shown on the Declarations forthis coverage.

The following coverages apply to each vehicle forwhich this coverage is shown on the Policy Decla-rations:

1. Each time your covered auto or anynon-owned auto is disabled due tomechanical or electrical breakdown wewill pay reasonable and necessaryexpenses for the use of an authorizedservice provider to tow or flatbed yourcovered auto or non-owned auto up to15 miles or to the nearest qualified placewhere necessary repairs can be madeduring regular business hours.

2. Each time your covered auto or anynon-owned auto is disabled requiring:

a. Towing to dislodge the vehicle fromits place of disablement within 100feet of a public street or highway; or

b. Labor, including change of tire, atthe place of its breakdown; or

c. Delivery of fuel, oil, water or otherfluids (we do not pay the costs ofthese items); or

d. Key lock-out services;

we will cover up to one (1) hour of laborfor the use of an authorized serviceprovider for service at the place of dis-ablement.

3. For policies with a 6 month policy term,coverage is limited to no more than twooccurrences per vehicle plus an addi-tional two occurrences per policy in a 6month policy period for both coverages1. and 2., above.

4. For policies with an annual policy term,coverage is limited to no more than fouroccurrences per vehicle plus an addi-tional four occurrences per policy in a 12month policy period for both coverages1. and 2. above.

Authorized service provider means a serviceprovider contracted by us providing, at no chargeto you, roadside assistance as described and lim-ited above.

When service is provided by other than an au-thorized service provider, we will reimburse youonly for reasonable charges as determined by us.

No deductible applies to this coverage.

LOSS OF USE COVERAGE

The provisions and exclusions that apply to Part D— Coverage for Damage to Your Auto also applyto this coverage except as changed below:

When there is a loss to any vehicle described inthe Declarations for which a specific premiumcharge indicates that Loss of Use Coverage isafforded, we will reimburse you for expenses youincur to rent a substitute vehicle.

This coverage applies only if:

1. The vehicle is withdrawn from use formore than 24 hours; and

2. The loss is caused by collision, or iscovered by the Comprehensive Cover-age of this policy;

However, this coverage does not apply to lossescaused by collision if Collision Coverage doesnot apply to the vehicle.

Our payment will be limited to that period of timereasonably required to repair or replace the vehi-cle. We will pay up to the amount per day and themaximum shown for Loss of Use in the Declara-tions.

No deductible applies to this coverage.

SUPPLEMENTARY DEATH BENEFITENDORSEMENT

Coverage under this endorsement is provided andpayable only when other benefits are paid or pay-able under: Personal Injury Protection Coverage,Medical Payments Coverage and/or Auto DeathIndemnity as afforded by this policy. The coverageis subject to the provisions of Personal Injury Pro-tection Coverage, Medical Payments Coverageand/or Auto Death Indemnity except as limited bythis endorsement.


SA-1852/TXEP 6/11 - 24 -

It is agreed that Medical Payments Coverage,Personal Injury Protection Coverage and/or AutoDeath Indemnity are extended to add the follow-ing:

Insuring Agreement And Limit Of Liability

We will pay a supplementary death benefit equalto the limit shown for the applicable coverages butnot more than $10,000 per person because ofdeath:

1. Caused by an auto accident; and

2. Sustained by an insured while wearinga seat belt or protected by an air bag.

We will pay benefits only if an auto accident wasthe proximate cause of death occurring withinthree years of the date of such accident. However,under Auto Death Indemnity, death must occurwithin one year of the date of such accident.

Proof Of Claim

We will pay benefits under this endorsement if thebeneficiary gives us proof of death of theinsured along with a police report or other proof,that the insured at the time of the auto accident,was wearing a seat belt or protected by an airbag.

Other Coverage Provided By This Policy

Any amounts payable under this endorsementshall not be reduced by any other amounts paid orpayable under this policy.

Definitions

“Insured” as used in this endorsement meansthe same as “insured” as defined in the applica-ble Medical Payments Coverage and/or PersonalInjury Protection Coverage. It also means the per-son or persons designated in Auto Death Indemni-Indemnity if afforded.

“Seat Belt” means manual or automatic safetybelts or seat and shoulder restraints or a child re-straint device.

“Air bag” is a functioning air bag designed toprotect the occupant of a seat in an auto.

“Beneficiary” means (in order of priority of pay-ment):

1. The surviving spouse if a resident in thesame household as the deceased at thetime of the accident, or

2. If the deceased is an unmarried minor,either of the surviving parents who hadlegal custody at the time of the accident,or

3. The estate of the deceased.

FULL SAFETY GLASS COVERAGE

We will pay under Comprehensive Coverage forthe cost of repairing or replacing damaged safetyequipment on your covered auto without a de-ductible. We will pay only if:

1. The Declarations indicates that Com-prehensive Coverage applies; and

2. A specific premium charge for Full Safe-ty Glass Coverage is shown in theDeclarations for your covered auto.

“Safety equipment”, as used in this coveragemeans the:

1. Glass used in the windshield, doors andwindows of your covered auto; and

2. Glass, plastic or other material used inthe lights of your covered auto.


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