Page 29 - HEADING TEXT

GENERAL TERMS
1. When Coverage Applies the request. The added amount due will
The coverages provided by this policy are be calculated based on that date; or
shown on the Declarations Page and apply to b. apply to the State Farm Companies for a
accidents and losses that occur during the policy separate policy to insure the car newly
period. The policy period is shown on the Dec- owned by you. Such policy will be issued
larations Page and is for successive periods of only if both the applicant and the vehicle
six months each for which the renewal premium are eligible for coverage at the time of the
is paid. The policy period begins and ends at application.
12:01 AM Standard Time at the address shown 4. Changes to This Policy
on the Declarations Page. a. Changes in Policy Provisions
2. Where Coverage Applies We may only change the provisions of this
The coverages provided by this policy are policy by:
shown on the Declarations Page and apply to
accidents and losses that occur: (1) issuing a revised policy booklet, a re-
vised Declarations Page, or an en-
a. in the United States of America and its terri- dorsement; or
tories and possessions; (2) revising this policy to give broader
b. in Canada; and coverage without an additional pre-
c. while a vehicle for which coverage is mium charge. If any coverage pro-
provided by this policy is being shipped vided by this policy is changed to give
between the ports of the United States of broader coverage, then we will give
America, its territories, its possessions, you the broader coverage as of the
and Canada. date we make the change effective in
Liability Coverage, Medical Payments Cover- the state of Missouri without issuing a
revised policy booklet, a revised Dec-
age, and Physical Damage Coverages also ap- larations Page, or an endorsement.
ply in Mexico within 50 miles of the United
States border. A Physical Damage Coverage b. Change of Interest
loss in Mexico is determined on the basis of (1) No change of interest in this policy is
cost at the nearest United States point. effective unless we consent in writing.
Death, Dismemberment and Loss of Sight Cover- (2) Except under Death, Dismemberment
age, Total Disability Coverage, and Loss of Earn- and Loss of Sight Coverage and Loss of
ings Coverage apply anywhere in the world. Earnings Coverage, if a named insured
3. Newly Owned or Newly Leased Car shown on the Declarations Page dies,
then the definition of insured under
If you want to insure a car newly owned by you each of the coverages provided by this
with the State Farm Companies after that car policy is changed to include:
ceases to be a newly acquired car, then you must (a) any person with lawful custody
either: of your car, a newly acquired
a. request we replace the car currently shown car, or a temporary substitute car
on the Declarations Page of this policy with until a legal representative is
the car newly owned by you and pay us any qualified; and then
added amount due. If you make such request (b) the legal representative of the de-
while this policy is in force and: ceased named insured.
(1) before the car newly owned by you This only applies while such person is
ceases to be a newly acquired car, maintaining or using your car, a
then that car newly owned by you will newly acquired car, or a temporary
be insured by this policy as your car substitute car.
beginning on the date the car newly
owned by you is delivered to you. The Policy notice requirements are met by
added amount due will be calculated mailing the notice to the most recent
based on that date; or policy address that we have on record
for the deceased named insured.
(2) after the car newly owned by you
ceases to be a newly acquired car, then c. Joint and Individual Interests
that car newly owned by you will be If you consists of more than one person or
insured by this policy as your car be- entity, then each acts for all to change or
ginning on the date and time you make cancel the policy.
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