Análisis de infomerciales

We established the premium for this policy based on the statements you made in the application for insurance. We have the right to recompute the premium if we

ENDORSEMENTS

THE FOLLOWING ENDORSEMENTS APPLY TO YOUR POLICY ONLY IF THE ENDORSEMENT FORM NUMBER APPEARS ON THE DECLARATIONS PAGE.

RENTAL CAR COVERAGE ENDORSEMENT 20070

This endorsement does not apply unless the form number appears on the Declarations Page. In consideration of an additional premium charge, Part D – Car Damage Coverage - is extended to a rented vehicle. The rental vehicle may be for pleasure use or as a substitute for yourcovered auto which is out of service due to an accident or loss.

PUNITIVE DAMAGES WAIVER 20071

This endorsement does not apply unless the form number appears on the Declarations Page. In consideration of a reduced premium for the Punitive Damage Waiver, it is agreed that the insurance afforded by this policy under Part A – Liability Coverages shall not apply to payment of any punitive or exemplary damages arising from any accident or loss.

EXTENDED TRANSPORTATION 20036

EXPENSES COVERAGE

This endorsement does not apply unless the form number appears on the

Declarations Page.

The provisions and exclusions that apply to Part D – Coverage for Damage to Your Auto also apply to this endorsement except as changed by this

endorsement.

When there is a loss to your covered auto described on the Declarations Page

Expenses Coverage is afforded for that vehicle, we will pay reasonable rental expense incurred through a rental car company, without application of a

deductible, up to $30 per day to a maximum of $900 for transportation expenses incurred by you while your covered auto is being repaired. Our payment will be limited to that period of time reasonably required to repair or replace your

covered auto. We will not pay for additional insurance purchased for any rental vehicle.

This coverage applies only if:

1. Your covered auto is withdrawn from use for more than 24 hours; and

2. The loss is caused by collision or is otherwise covered under Part D of this policy.

However, this coverage does not apply when there is a total theft of your covered auto. Such coverage is provided under Part D of this policy.

Our payment will be limited to that period of time reasonably required to repair or replace your covered auto.

TOWING AND LABOR COSTS 20052

COVERAGE

This endorsement does not apply unless the form number appears on the

Declarations Page.

We will pay towing and labor costs incurred each time your covered auto is disabled, up to the amount shown on the Declarations Page as applicable to that vehicle. We will only pay for labor performed at the place of disablement.

NAMED NON-OWNER COVERAGE 20035

This endorsement does not apply unless the form number appears on the Declarations Page. If you have elected Named Non-Owner Coverage (and therefore do not have a covered auto under this policy, we will only cover the permissive use of a non- owned auto by the named insured. The following policy changes shall apply:

1. The general policy definition of “you”and “your” are revised and “you” and “your” mean the named insured. No entity or personother than the named insured has any insurance under this policy. 2. No coverage applies under the policy for use of any vehicleother than the permissive use of a non-owned auto by a named insured. 3. No coverage applies under the policy for any personother than the named insured. 4. The “Other Insurance” clause in every part of this policy is revised and any insurance we provide shall be excess over any other applicable insurance, self-insurance or bond providing the same or similar insurance or benefits. This will not apply for: a. Part A - Liability Coverage in relation to a policy of liability insurance that applies to a vehicleowned by a person, firm, or corporation engaged in the businessof retail sales of motor vehicles and that policy is issued to that business, but only if the named insured is: i. Operating that motor vehicle; and ii. Not employed by the motor vehicle’s owneror that business. b. Part C - Uninsured Motorist Coverage as otherwise required by Georgia law or as decided by a court with proper jurisdiction. 5. No Part D - Coverage for Damage to Your Auto applies under the

policy.

ACCIDENTAL DEATH & DISMEMBERMENT 20065

This endorsement does not apply unless the form number appears on the

Declarations Page.

This endorsement contains only the principal provisions relating to the coverage and payment of loss described herein. The insurance described is automatically

terminated if the policy is canceled as provided therein or if the named insured

ceases to fall within the definition of a named insured as defined in this policy.

LIMIT OF LIABILITY

The principal sum, in limits ranging from $1,000 to $10,000 in increments of $1,000 as selected by the named insured and so indicated on the Declarations Page. Insurance applies only with respect to those coverages for which an amount is specified against loss resulting directly and independently of all other causes for accidental bodily injury which arise out of the hazards described and are sustained by the named insured during the term of the policy, herein called injuries, to the extent herein provided.

The following description contains the principal provisions relating to coverage and payment of loss:

DEATH, DISMEMBERMENT OR LOSS OF SIGHT - If within ninety (90)days from the date of loss, such injuries shall result in death of the named insured,

dismemberment or loss of sight, the company will pay:

1. of Life...The Principal Sum

2. Loss of Both Hands, Feet, or Eyes ...……….The Principal Sum 3. Loss of one Hand and one Foot ...………The Principal Sum 4. Loss of either Hand or Foot ...……....…..One Half Principal Sum 5. Loss of Sight of one Eye ...……....….One Half Principal Sum 6. Loss of Thumb or Finger...……One Half Principal Sum

Loss shall mean with regard to hand or foot, complete severance through or above the wrist or ankle joint, with regard to sight of eyes, entire and irrecoverable loss of sight; with regard to thumb and index finger, complete severance.

Subject to the terms of the endorsement the hazards insured against are all those to which the named insured may be exposed:

1. While the named insured is riding solely as a passenger in or on, boarding or alighting from any public conveyance, including air, licensed to carry passengers for hire; or

2. When the named insured sustains bodily injury caused by unavoidable exposure to the elements following the forced landing, stranding, sinking or wrecking of such means of transportation described above in which the

named insured has been riding solely as a passenger; or,

3. While the named insured is driving or riding in or on; boarding or alighting from, a four-wheel private passenger auto of the strictly pleasure car type.