Page 18 - HEADING TEXT

then we will pay the proportion of dam- than the State Farm Companies also
ages payable as primary that our applica- applies as excess coverage for the
ble limit bears to the sum of our applicable same accident,
limit and the limits of all other underin- then we will pay the proportion of damages
sured motor vehicle coverage that apply as payable as excess that our applicable limit
primary coverage. bears to the sum of our applicable limit and
b. If: the limits of all other underinsured motor ve-
(1) more than one vehicle policy issued hicle coverage that apply as excess coverage.
to you or any resident relative by b. If:
the State Farm Companies provides (1) more than one vehicle policy issued to
Underinsured Motor Vehicle Coverage you or any resident relative by the
which applies to the accident as pri- State Farm Companies provides Un-
mary coverage; and derinsured Motor Vehicle Coverage
(2) underinsured motor vehicle coverage which applies to the accident as ex-
provided by one or more sources other cess coverage; and
than the State Farm Companies also (2) underinsured motor vehicle coverage
applies as primary coverage for the provided by one or more sources other
same accident, than the State Farm Companies also
then the State Farm Companies will pay applies as excess coverage for the
the proportion of damages payable as pri- same accident,
mary that the maximum amount that may then the State Farm Companies will pay
be paid by the State Farm Companies as the proportion of damages payable as ex-
determined in 1. above bears to the sum of cess that the maximum amount that may
such amount and the limits of all other un- be paid by the State Farm Companies as
derinsured motor vehicle coverage that ap- determined in 1. above bears to the sum of
ply as primary coverage. such amount and the limits of all other un-
3. Except as provided in 2. above, the Underin- derinsured motor vehicle coverage that ap-
sured Motor Vehicle Coverage provided by this ply as excess coverage.
policy applies as excess coverage. Our Payment Options
a. If: We may, at our option, make payment to one or
(1) this is the only vehicle policy issued more of the following:
to you or any resident relative by the 1. The insured;
State Farm Companies that provides 2. The insured’s surviving spouse;
Underinsured Motor Vehicle Coverage
which applies to the accident as ex- 3. A parent or guardian of the insured, if the in-
cess coverage; and sured is a minor or an incompetent person; or
(2) underinsured motor vehicle coverage 4. A person authorized by law to receive such
provided by one or more sources other payment.

PHYSICAL DAMAGE COVERAGES
The physical damage coverages are Comprehensive is shown under “SYMBOLS” on the Declarations
Coverage, Collision Coverage, Emergency Road Page.
Service Coverage, and Car Rental and Travel Ex- If a deductible applies to Comprehensive Coverage,
penses Coverage. then it is shown on the Declarations Page. The de-
This policy provides: ductible that applies to Collision Coverage is shown
1. Comprehensive Coverage if “D”; on the Declarations Page.
2. Collision Coverage if “G”; Additional Definitions
3. Emergency Road Service Coverage if “H”; Covered Vehicle means:
4. Car Rental and Travel Expenses Coverage if “R1” 1. your car;

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