Page 2 - HEADING TEXT

CONTENTS

THIS POLICY..................................................... 3 Nonduplication .................................................17
Exclusions ........................................................17
DEFINITIONS..................................................... 4
If Other Underinsured Motor Vehicle
Coverage Applies .............................................17
LIABILITY COVERAGE.................................. 5 Our Payment Options.......................................18
Additional Definition......................................... 5
Insuring Agreement............................................ 6 PHYSICAL DAMAGE COVERAGES............18
Supplementary Payments................................... 6
Limits................................................................. 6 Additional Definitions......................................18
Nonduplication................................................... 7 Insuring Agreements ........................................19
Exclusions.......................................................... 7 Supplementary Payments – Comprehensive
If Other Liability Coverage Applies................... 8 Coverage and Collision Coverage....................20
Required Out-of-State Liability Coverage......... 9 Limits and Loss Settlement – Comprehensive
Financial Responsibility Certification ............... 9 Coverage and Collision Coverage ......................21
Limits – Car Rental and Travel Expenses
MEDICAL PAYMENTS COVERAGE.............. 9 Coverage ..........................................................22
Nonduplication .................................................22
Additional Definitions ....................................... 9
Insuring Agreement ......................................... 10 Exclusions ........................................................22
Determining Medical Expenses....................... 10 If Other Physical Damage Coverage or Similar
Coverage Applies...............................................24
Limit ................................................................ 10 Financed Vehicle ..............................................24
Nonduplication ................................................ 10 Our Payment Options ......................................24
Exclusions........................................................ 10
If Other Medical Payments Coverage or DEATH, DISMEMBERMENT AND
Similar Vehicle Insurance Applies....................11 LOSS OF SIGHT COVERAGE .......................25
Our Payment Options....................................... 12
Additional Definition .......................................25
UNINSURED MOTOR VEHICLE Insuring Agreement..........................................25
COVERAGE........................................................... 13
Benefit..............................................................25
Additional Definitions ..................................... 13 Exclusions – Death, Dismemberment and
Insuring Agreement ......................................... 13 Loss of Sight Coverage and Loss of Earnings
Notice of Tentative Settlement......................... 13 Coverage ..........................................................26
Deciding Fault and Amount............................. 13 Our Payment Options– Death, Dismemberment
Limits............................................................... 14 and Loss of Sight Coverage and Loss of
Nonduplication ................................................ 14 Earnings Coverage ...........................................27
Exclusions........................................................ 14
If Other Uninsured Motor Vehicle Coverage LOSS OF EARNINGS COVERAGE...............26
Applies ............................................................. 14 Additional Definitions......................................26
Our Payment Options....................................... 15
Insuring Agreement..........................................26
UNDERINSURED MOTOR VEHICLE Limit.................................................................26
COVERAGE...................................................... 15
Exclusions– Death, Dismemberment and
Additional Definitions ..................................... 15 Loss of Sight Coverage and Loss of Earnings
Insuring Agreement.......................................... 15 Coverage ..........................................................26
Notice of Tentative Settlement......................... 16 Our Payment Options – Death, Dismemberment
Deciding Fault and Amount............................. 16 and Loss of Sight Coverage and Loss of
Limits............................................................... 16 Earnings Coverage ...........................................27

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