Page 26 - HEADING TEXT

The benefits shown in the schedules are doubled for Exclusions – Death, Dismemberment and Loss of
an insured who at the time of the accident was oc- Sight Coverage and Loss of Earnings Coverage
cupying a private passenger car and using a seat DEATH, DISMEMBERMENT AND LOSS OF
belt in the manner recommended by the vehicle’s SIGHT COVERAGE AND LOSS OF EARNINGS
manufacturer. COVERAGE DO NOT APPLY TO AN INSURED:
LOSS OF EARNINGS COVERAGE 1. WHILE IN THE COURSE AND SCOPE OF
This policy provides Loss of Earnings Coverage if HIS OR HER EMPLOYMENT IN A CAR
“Z” is shown under “SYMBOLS” on the Declara- BUSINESS;
tions Page. 2. WHILE OCCUPYING, LOADING, OR UN-
Additional Definitions LOADING:
Insured means a person whose name is shown un- a. AN EMERGENCY VEHICLE IN THE
der “Loss of Earnings Coverage – Persons Insured” COURSE AND SCOPE OF HIS OR HER
on the Declarations Page. EMPLOYMENT;
Total Disability means the insured’s inability to b. A VEHICLE, OTHER THAN AN
work, either full or part time, in his or her occupa- EMERGENCY VEHICLE, WHILE USED
tion or any other similar occupation for which he or IN THE:
she is reasonably fitted by education, training, or (1) INSURED’S BUSINESS; OR
experience. (2) COURSE AND SCOPE OF HIS OR
Weekly Earnings means 85% of all earnings for the HER EMPLOYMENT IN OTHER
insured’s services before any deductions. When THAN A CAR BUSINESS.
weekly earnings cannot be determined on a weekly This exclusion (2.b.) does not apply if the
basis an average will be used. The average is 85% vehicle is a private passenger car;
of the total earnings for the 52 weeks just prior to
the accident divided by 52. c. A MILITARY VEHICLE; OR
Insuring Agreement d. A VEHICLE WHILE IT IS:
We will pay the insured his or her loss of weekly (1) BEING PREPARED FOR, USED IN
earnings, which occur while the insured is living, PRACTICE FOR, OR OPERATED IN
due to continuous total disability that: ANY RACING CONTEST, SPEED
CONTEST, HILL-CLIMBING CON-
1. is the direct result of bodily injury caused by TEST, JUMPING CONTEST, OR ANY
an accident that involves the use of a land mo- SIMILAR CONTEST; OR
tor vehicle or any type of trailer as a vehicle (2) ON A TRACK DESIGNED PRI-
and not due to any other cause. At the time of MARILY FOR RACING OR HIGH-
the accident, the insured must be occupying or SPEED DRIVING. This exclusion
be struck as a pedestrian by a land motor vehi- (2.d.(2)) does not apply if the vehicle
cle or any type of trailer; and is being used in connection with an
2. starts within 20 days immediately following the activity other than racing, high-speed
date of the accident and lasts for a period of at driving, or any type of competitive
least 30 consecutive days. We will not pay for driving;
the first seven days of the 30 day period. 3. WHILE OCCUPYING, LOADING, UN-
Limit LOADING, OR WHO IS STRUCK AS A PE-
The most we will pay any one insured is: DESTRIAN BY:
1. $250 for each full workweek of total disability; a. A MOTOR VEHICLE THAT RUNS ON
RAILS OR CRAWLER-TREADS;
and
2. a pro rata portion of $250 for less than a full b. A MOTOR VEHICLE THAT IS DE-
SIGNED FOR USE PRIMARILY OFF
workweek of total disability. PUBLIC ROADS WHILE OFF PUBLIC
Subject to the workweek limit, the most we will pay ROADS; OR
any one insured for all loss of weekly earnings due c. A MOTOR VEHICLE OR ANY TYPE OF
to any one accident is $15,000. TRAILER, EITHER OF WHICH IS LO-
We will pay once every two weeks the insured’s CATED FOR USE AS A DWELLING OR
loss of weekly earnings owed. OTHER PREMISES; OR

26
9825A