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(d) The appraisers shall only deter- 2. Travel Expenses
mine the actual cash value of the The most we will pay for Travel Expenses in-
covered vehicle. Appraisers shall curred by all insureds as a result of any one
have no authority to decide any loss is $500.
other questions of fact, decide
any questions of law, or conduct 3. Rental Car – Repayment of Deductible Ex-
appraisal on a class-wide or class- pense
representative basis. The most we will pay for Rental Car – Repay-
(e) A written appraisal that is both ment of Deductible Expense incurred as a re-
agreed upon by and signed by any sult of any one loss is $500.
two appraisers, and that also con- Nonduplication
tains an explanation of how they
arrived at their appraisal, will be We will not pay for any loss or expense under the
binding on the owner of the cov- Physical Damage Coverages for which the insured
ered vehicle and us. or owner of the covered vehicle has already re-
(f) We do not waive any of our rights ceived payment from, or on behalf of, a party who
is legally liable for the loss or expense.
by submitting to an appraisal.
(2) The damaged covered vehicle must be Exclusions
given to us in exchange for our pay- THERE IS NO COVERAGE FOR:
ment, unless we agree that the owner 1. ANY COVERED VEHICLE THAT IS:
may keep it. If the owner keeps the a. INTENTIONALLY DAMAGED; OR
covered vehicle, then our payment b. STOLEN
will be reduced by the value of the
covered vehicle after the loss; or BY OR AT THE DIRECTION OF AN IN-
c. Return the stolen covered vehicle to its SURED. This exclusion does not apply to the
extent of the ownership interest of an insured
owner and pay, as described in 1.a. above, who had no involvement in causing the loss.
for any direct, sudden, and accidental However, such innocent insured must comply
damage that resulted from the theft. with Missouri law by filing a police report and
2. The most we will pay for transportation ex- complete a sworn affidavit indicating the cause
penses under Comprehensive Coverage is $25 of the loss, and pledging to cooperate in any
per day subject to an aggregate limit of $750 criminal prosecution of the person committing
the act causing the loss;
per loss.
3. The most we will pay for loss to a non-owned 2. ANY COVERED VEHICLE WHILE IT IS
RENTED TO OR LEASED TO OTHERS BY
trailer or a non-owned camper is $2,500. AN INSURED;
Limits – Car Rental and Travel Expenses Cov- 3. ANY COVERED VEHICLE WHILE IT IS
erage USED TO CARRY PERSONS FOR A
1. Car Rental Expense CHARGE. This exclusion does not apply to
the use of a private passenger car on a share-
The limit for Car Rental Expense is shown on the-expense basis;
the Declarations Page under “Limit – Car
Rental Expense – Each Day, Each Loss”. 4. ANY COVERED VEHICLE DUE TO:
a. The limit shown under “Each Day” is the a. THEFT;
most we will pay for the daily rental b. CONVERSION;
charge. If: c. EMBEZZLEMENT; OR
(1) a dollar amount is shown, then we will d. SECRETION
pay the daily rental charge up to that
dollar amount; BY AN INSURED, A CONSIGNEE, AN
AGENT OF A CONSIGNEE, OR A PERSON
(2) a percentage amount is shown, then WHO OBTAINS POSSESSION OF THE
we will pay that percentage of the COVERED VEHICLE WITH THE PERMIS-
daily rental charge. SION OF A CONSIGNEE OR AGENT OF A
b. Subject to the “Each Day” limit, the limit CONSIGNEE;
shown under “Each Loss” is the most we 5. LOSS TO YOUR CAR OR A NEWLY AC-
will pay for Car Rental Expense incurred QUIRED CAR IF AN INSURED VOLUN-
as a result of any one loss. TARILY RELINQUISHES POSSESSION OF
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