Page 15 - HEADING TEXT

same bodily injury sustained by a person other the proportion of damages that our applicable
than you or any resident relative, then: limit bears to the sum of our applicable limit
a. the Uninsured Motor Vehicle Coverage and the limits of all other applicable uninsured
limits of such policies will not be added motor vehicle coverage.
together to determine the most that may be Our Payment Options
paid; and We may, at our option, make payment to one or
b. the maximum amount that may be paid more of the following:
from all such policies combined is the sin- 1. The insured;
gle highest applicable limit provided by any
one of the policies. We may choose one or 2. The insured’s surviving spouse;
more policies from which to make payment. 3. A parent or guardian of the insured, if the
2. If the Uninsured Motor Vehicle Coverage pro- insured is a minor or an incompetent person;
vided by this policy and uninsured motor vehicle or
coverage provided by one or more other sources 4. A person authorized by law to receive such
applies for the same accident, then we will pay payment.

UNDERINSURED MOTOR VEHICLE COVERAGE
This policy provides Underinsured Motor Vehicle a. are less than the amount of the insured’s
Coverage if “W” is shown under “SYMBOLS” on damages; or
the Declarations Page. b. have been reduced by payments to persons
Additional Definitions other than the insured to less than the
Insured means: amount of the insured’s damages.
1. you; Underinsured Motor Vehicle does not include a
land motor vehicle:
2. resident relatives; 1. whose ownership, maintenance, or use is pro-
3. any other person while occupying: vided Liability Coverage by this policy;
a. your car; 2. owned by, rented to, or furnished or available for
b. a newly acquired car; or the regular use of you;
c. a temporary substitute car. 3. owned by or rented to any government or any
of its political subdivisions or agencies;
Such vehicle must be used within the scope of
your consent. Such other person occupying a 4. designed for use primarily off public roads
vehicle used to carry persons for a charge is except while on public roads;
not an insured; and 5. while located for use as a dwelling or other
4. any person entitled to recover compensatory premises; or
damages as a result of bodily injury to an in- 6. defined as an uninsured motor vehicle under
sured as defined in 1., 2., or 3. above. Uninsured Motor Vehicle Coverage of this policy.
Underinsured Motor Vehicle means a land motor Insuring Agreement
vehicle: We will pay compensatory damages for bodily in-
1. the ownership, maintenance, and use of which jury an insured is legally entitled to recover from
is either: the owner or driver of an underinsured motor vehi-
a. insured or bonded for bodily injury liabil- cle. The bodily injury must be:
ity at the time of the accident; or 1. sustained by an insured; and
b. self-insured under any motor vehicle fi- 2. caused by an accident that involves the opera-
nancial responsibility law, any motor car- tion, maintenance, or use of an underinsured
rier law, or any similar law; and motor vehicle as a motor vehicle.
2. for which the total limits of insurance, bonds, We will pay only if the full amount of all available
and self-insurance for bodily injury liability limits of all bodily injury liability bonds, policies,
from all sources: and self-insurance plans that apply to the insured’s
15
9825A