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DEFINITIONS
We define certain words and phrases below for use 1. is owned by:
throughout the policy. Each coverage includes ad- a. you;
ditional definitions only for use with that coverage.
These definitions apply to the singular, plural, pos- b. any resident relative;
sessive, and any other form of these words and c. any other person who resides primarily in
phrases. Defined words and phrases are printed in your household; or
boldface italics. d. an employer of any person described in a.,
Bodily Injury means bodily injury to a person and b., or c. above; nor
sickness, disease, or death that results from it. 2. has been operated by, rented by, or in the pos-
Car means a land motor vehicle with four or more session of:
wheels, designed for use primarily on public roads.
Car does not include: a. you; or
1. Any vehicle while located for use as a dwelling b. any resident relative
or other premises; or during any part of each of the 31 or more con-
2. A truck-tractor designed to pull any type of trailer. secutive days immediately prior to the date of
the accident or loss.
Car Business means a business or job where the Occupying means in, on, entering, or exiting.
purpose is to sell, lease, rent, repair, service, mod-
ify, transport, store, or park land motor vehicles or Our means the Company issuing this policy as
any type of trailer. shown on the Declarations Page.
Fungi means any type or form of fungus or fungi Owned By means:
and includes: 1. owned by;
1. Mold; 2. registered to; or
2. Mildew; and 3. leased, if the lease is written for a period of 31
3. Any of the following that are produced or re- or more consecutive days, to.
leased by fungi: Pedestrian means a person who is not occupying:
a. Mycotoxins; 1. a motorized vehicle; or
b. Spores; 2. a vehicle designed to be pulled by a motorized
c. Scents; or vehicle.
d. Byproducts. Person means a human being.
Newly Acquired Car means a car newly owned by Private Passenger Car means:
you. A car ceases to be a newly acquired car on 1. a car of the private passenger type, other than a
the earlier of: pickup truck, van, minivan, or sport utility ve-
1. the effective date and time of a policy, includ- hicle, designed primarily to carry persons and
ing any binder, issued by us or any other com- their luggage; or
pany that describes the car as an insured 2. a pickup truck, van, minivan, or sport utility
vehicle; or vehicle:
2. the end of the 30th calendar day immediately a. that is not used for:
following the date the car is delivered to you.
If a newly acquired car is not otherwise afforded (1) wholesale; or
comprehensive coverage or collision coverage by (2) retail
this or any other policy, then this policy will pro- pickup or delivery; and
vide Comprehensive Coverage or Collision Cover-
age for that newly acquired car, subject to a b. that has a Gross Vehicle Weight Rating of
deductible of $500. Any coverage provided as a 10,000 pounds or less.
result of this paragraph will apply only until the end Resident Relative means a person, other than you,
of the 5th calendar day immediately following the who resides primarily with the first person shown as a
date the newly acquired car is delivered to you. named insured on the Declarations Page and who is:
Non-Owned Car means a car that is in the lawful 1. related to that named insured or his or her
possession of you or any resident relative and that spouse by blood, marriage, or adoption, includ-
neither: ing an unmarried and unemancipated child of

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