These additional coverages apply only if the Coverage Selection Page indicates that Part 7,

Collision and Part 9, Comprehensive coverages apply to your auto.

1. Accidental Discharge of Airbag Coverage

A. Airbag Coverage

We will pay the cost to repair or restore a safety airbag in your auto which has

accidentally discharged. No deductible applies to this Airbag Coverage.

B. Conditions

If you are entitled by other insurance or warranty for the cost to repair or restore the

airbag, we will pay only the cost not covered by the other insurance or warranty.

2. Auto Loan/Lease Coverage

A. Definitions

For the purpose of this coverage the following definition is added to the Definitions of

your policy:

“Total loss” means a loss in which we have determined the cost to replace or repair the

vehicle to its pre-loss condition plus salvage value equals or exceeds the Actual Cash

Value.

B. Auto Loan/Lease Coverage

The Auto Loan/Lease coverage applies if a covered, total loss occurs to your auto and:

(1) The auto is a private passenger, pick-up or van, as defined in Rule 27, except that

antiques, motor homes/camper bodies are not eligible.

(2) The total loss occurred:

a. Within 36 months of the date you financed/leased your auto; and

b. The miles shown on the odometer at the time the total loss occurred was less

than 45,000.

C. What We Pay

In the event of a covered total loss to which this endorsement applies, we will pay any

unpaid amount due on the auto loan or lease for the auto, less:

(1) Any amount paid for the loss under Part 7, Collision or Part 9, Comprehensive of the

policy; and

(2) The amount of the applicable deductible subtracted from the loss paid under Part 7,

Collision or Part 9, Comprehensive of the policy; and

(3) Any:

a. Overdue loan or lease payments at the time of the loss;

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b. Financial penalties imposed under a lease for excessive use, abnormal wear and

tear or high mileage;

c. Security deposits not refunded by a lessor;

d. Costs for Extended Warranties, Credit Life insurance, Health, Accident or

Disability insurance purchased with the loan or lease; and

e. Carry-over balances from previous loans or leases.

(4) Condition

If you are entitled to other insurance for this coverage, we will pay only the cost in

excess of the other insurance, subject to the limitations listed above.

3. Excellent Driver Reward

A. Conditions

This applies if a covered loss occurs to your auto and:

(1) The operator at the time of the loss was licensed at least 6 years;

(2) Has an Operator SDIP Rating of 99, 98, or 00; and

(3) Is a listed operator on your policy.

B. Deductible Reduction coverage

Under Part 7, Collision or Part 9, Comprehensive, the following is added to the

deductible provisions:

In the event of a covered loss the deductible amount shown on the Coverage Selection

Page will be reduced by $250.

4. New Car Protection

A. Definitions

For the purpose of this coverage the following definitions are added to the Definitions of

your policy:

(1) “New” does not mean

a. Previously titled under the motor vehicle laws of any state.

b. Substitute or non-owned vehicle.

c. Leased vehicle.

d. Motorcycle, motor home/camper body or trailer.

(2) “Total loss” means a loss in which we have determined the cost to replace or repair

the vehicle to its pre-loss condition plus salvage value equals or exceeds the Actual

Cash Value.

B. New Car Protection

The New Car Protection amends the amount we pay under Part 7, Collision coverage or

Part 9, Comprehensive coverage if a covered total loss occurs to your auto and:

(1) Your auto is new; and

(2) The total loss occurred:

a. Within 12 months of the date you purchased your auto; and

b. The miles shown on the odometer at the time the total loss occurred was less

than 15,000.

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What We Pay

We will pay, less the applicable deductible:

(1) The cost in cash we can arrange for you to obtain a new auto. The new auto will be

the same year, make, model and optional equipment installed at the date you

purchased your auto.

(2) If such an auto is unavailable, we will pay the cost in cash we can arrange for you to

obtain an available auto which will be similar in class and body type to the year,

make, model, and optional equipment installed at the date you purchased your

auto.

C. Condition

The most we will pay under this additional coverage is the lesser of the amount you paid

for your auto or the Manufacturers Suggested Retail Price (MSRP) of the vehicle of the

same year, make, model, and optional equipment installed at the date you purchased

your auto.

5. Pet Injury Coverage

We will pay up to $500, regardless of the number of pets involved, for:

A. Reasonable and customary costs incurred by you within 96 hours for veterinary fees

arising out of a collision; or

B. Your pet’s replacement cost if your pet dies in the collision.

Coverage only applies if your pet is inside the covered auto or non-owned auto at the time of

the collision.

Pet is defined as a cat or dog. However, this coverage does not apply to the following dog

breeds, or any mixed breed dogs containing any part of a breed, listed below:

1. Akita

2. Chow chow

3. Doberman pinscher

4. German Shepherd

5. Perro de Presa Canario

6. Pit Bull or Pit Bull Type

7. Rottweiler

8. Shibu Inu

9. Wolf Hybrid

If you have a claim which provides coverage under both: 2. Auto Loan/Lease Coverage and

4. New Car Protection, the most we will pay is the greater amount of either: 2. Auto

Loan/Lease Coverage or 4. New Car Protection but in no circumstance will we make

payments under both: 2. Auto Loan/Lease Coverage and 4. New Car Protection.