Pennsylvania Personal Auto Policy

1 Pennsylvania Personal auto Policy We know how important it is for you to stay on the move. 500 W 5th Street Winston-Salem NC 27102-3199. Integon Indemnity Corporation 10954 (06/13). PA 400 (09011999). Administrative Offices: 500 West Fifth Street, Winston-Salem, NC 27152. Toll Free Telephone Number: 1-800-526-0332. THIS Policy IS A LEGAL CONTRACT BETWEEN YOU AND US. THESE Policy PROVISIONS WITH THE DECARATIONS PAGE, YOUR. APPLICATION AND ENDORSEMENTS, IF ANY, ISSUED TO FORM A PART. THEREOF, COMPLETE THIS Policy . READ YOUR Policy CAREFULLY. IMPORTANT: Please read your Pennsylvania Personal auto Policy carefully as it contains language which may restrict or exclude coverage. The Policy specifically addresses who may use your covered auto and under what conditions coverage will be afforded. NOTICE: IN COMPLIANCE WITH SECTION 1725 OF VEHICLE CODE , YOU ARE HEREBY NOTIFIED THAT A RENTAL auto WILL BE. COVERED FOR COLLISION DAMAGES IF: 1.

2 YOU HAVE PURCHASED COLLISION COVERAGE FOR AT LEAST ONE (1). auto ON THE Policy AS SHOWN IN YOUR DECLARATIONS PAGE; AND. 2. THE auto IS RENTED BY YOU FOR 60 DAYS OR LESS; AND. 3. THE auto IS BEING OPERATED BY YOU OR ANY FAMILY MEMBER AT THE. TIME OF LOSS. TO REPORT A CLAIM: 1-800-468-3466. STATE OF Pennsylvania FRAUD HOTLINE. 1-888-565-IFDA. (1-888-565-4332). YOUR Personal auto Policy . QUICK REFERENCE. DECLARATIONS PAGE. Your Name and Address Your auto or Trailer Policy Period Coverages and Amounts of Insurance AGREEMENT .. 1 PART D - COVERAGE FOR DAMAGE. DEFINITIONS .. 1 TO YOUR auto .. 13. TORT LIABILITY INSURANCE 2 INSURING 13. PART A - LIABILITY COVERAGE .. 2 TOWING AND STORAGE CHARGES .. 13. INSURING AGREEMENT .. 2 TRANSPORTATION EXPENSES .. 13. SUPPLEMENTARY 3 EXCLUSIONS .. 14. EXCLUSIONS .. 3 LIMIT OF LIABILITY .. 14. LIMIT OF LIABILITY .. 4 PROOF OF LOSS .. 15. OUT OF STATE COVERAGE .. 4 PAYMENT OF LOSS .. 15. FINANCIAL RESPONSIBILITY REQUIRED.

3 5 NO BENEFIT TO BAILEE .. 15. OTHER 5 OTHER INSURANCE .. 15. PART B - FIRST PARTY APPRAISAL .. 15. BENEFITS COVERAGE .. 5 PART E - DUTIES AFTER AN ACCIDENT. DEFINITIONS .. 5 OR LOSS - FILING A CLAIM .. 15. BENEFITS .. 6 GENERAL DUTIES .. 15. EXCLUSIONS .. 6 ADDITIONAL DUTIES FOR. UNINSURED/UNDERINSURED. LIMIT OF LIABILITY .. 7 MOTORISTS COVERAGE .. 16. PRIORITIES OF POLICIES .. 7 ADDITIONAL DUTIES FOR COVERAGE. CONDITIONS .. 8 FOR DAMAGE TO YOUR auto .. 16. CONSTITUTIONALITY CLAUSE .. 8 PART F - GENERAL PROVISIONS .. 16. NON-DUPLICATION OF BENEFITS .. 8 BANKRUPTCY .. 16. PAYMENT OF ACCIDENTAL CHANGES .. 16. DEATH 8 LEGAL ACTION AGAINST US .. 16. PART C - UNINSURED / UNDERINSURED OUR RIGHT TO RECOVER PAYMENT .. 16. MOTORISTS COVERAGE .. 8. Policy PERIOD AND TERRITORY .. 16. INSURING AGREEMENT .. 8. TERMINATION - CANCELLATION, DEFINITIONS .. 9 NONRENEWAL, AUTOMATIC TERMINATION, EXCLUSIONS .. 9 OTHER TERMINATION PROVISIONS.

4 17. LIMIT OF LIABILITY .. 10 TRANSFER OF YOUR INTEREST. OTHER 12 IN THIS Policy .. 18. TRUST 12 MISREPRESENTATION AND FRAUD .. 18. ARBITRATION .. 12 TWO OR MORE AUTOS INSURED .. 18. CONFORMITY TO STATE STATUTES .. 18. ENDORSEMENT SECTION .. 20. Personal AUTOMOBILE Policy . AGREEMENT household. This includes a ward or foster child, or stepchild. This Policy is issued and renewed in reliance upon the truth and accuracy of the representations made in the "Loss" means: sudden, direct, and accidental application for this insurance. The terms of this Policy destruction or damage. impose obligations on all persons defined as "you." The "Noneconomic loss" means pain and suffering and responsibilities, acts and/or omissions, in connection other nonmonetary damages. with this insurance, of any person defined as "you" shall "Non-owned auto " means: any auto that is not owned be binding upon all other persons defined as "you.". by or furnished or available for the regular use of you, or In return for payment of the premium and subject to all any family member while in the custody of or being the terms of this Policy , we agree with you as follows: operated by you or any family member and while being DEFINITIONS used within the scope of the owner's express or implied permission.

5 However, non-owned auto does not Throughout this Policy , "You" and "Your" refer to: include any vehicle used as a temporary substitute for 1. The named insured shown in the Declarations; and an auto you own which is out of normal use because of its breakdown, repair, servicing, loss or destruction. 2. The spouse if a resident of the same household. "Occupying" means: in; upon; getting into, out of, on or "We," "us" and "our" refer to the Company providing this off. insurance as referred to in the Declarations. "Serious injury" means a Personal injury resulting in For purposes of this Policy , a private passenger type death, serious impairment of body function or permanent auto shall be deemed to be owned by a person if serious disfigurement. leased: "Property damage" means: physical injury to, 1. Under a written agreement to that person; and destruction of, or loss of use of tangible property. 2. For a continuous period of at least 6 months.

6 "Trailer" means: a non-powered vehicle with no The following words or phrases, when printed in bold- independent means of locomotion, including a farm faced type or in quotation marks, are defined as follows: wagon or farm implement, designed to be pulled by a: "Accident" means: a sudden, unexpected, and 1. Private passenger auto or station wagon; or unintended occurrence. 2. Pickup truck or private passenger van. "Actual Cash Value" means: the amount it would cost "Your covered auto " means: to replace the stolen or damaged property with property of like kind and quality. In the event replacement 1. Any auto shown in the Declarations. property of like kind and quality is unavailable, 2. Any of the following types of vehicles on the date allowances can be made for the difference in value you become the owner, but only if you have asked between the replacement and the damaged property. us to insure it as set forth below: " auto " means: a motor vehicle having more than three a) a private passenger auto or station wagon; or load-bearing wheels and which is of a kind required to be registered under the laws of Pennsylvania relating to b) a pickup truck or private passenger van that: motor vehicles designed primarily for operation upon the (1) is not used for the delivery or transportation public streets, roads and highways and driven by power of goods and materials unless such use is: other than muscular power.

7 A) incidental to your business of installing, "Bodily injury" means: bodily harm, sickness or maintaining or repairing furnishings or disease, including death that results therefrom. Bodily equipment; or injury does not include bodily harm, sickness, disease or death arising out of a medically defined b) for farming or ranching; and communicable disease contracted by any person nor the exposure of such a disease by any person to any other (2) has a Gross Vehicle Weight as specified by person. the manufacturer of less than 10,000. pounds. "Business" means: trade, profession or occupation. If the auto you acquire replaces one shown in the "Depreciation" means decline of value due to wear and Declarations, it will have the same coverage as the auto tear or obsolescence. it replaced, if you: "Economic loss" means medical and other out-of- a) acquire the auto during the Policy period; and pocket expenses. b) ask us to insure it within 30 days after you "Family member" means: a person related to you by blood, marriage or adoption who is a resident of your become the owner.

8 1. If you do not notify us within the time limit noted in b), no 4. If injured while occupying a motor vehicle other coverage exists for the replacement auto . than a private passenger motor vehicle as defined in If the auto you acquire is in addition to any shown in the the act ( Pennsylvania Motor Vehicle Financial Declarations, it will have the broadest coverage we now Responsibility Law of 1984 as amended.). provide for any auto shown in the Declarations, if you: Full Tort Option a) acquire the auto during the Policy period; If the Declaration shows "Full Tort" as the Tort Option b) ask us to insure it within 30 days after you chosen, the Full Tort Option applies. Each insured become the owner; and bound by this option may seek compensation for noneconomic loss claimed and economic loss c) we insure all autos you own. suffered because of bodily injury caused by accident If you do not notify us within the time limit noted in b), no as the consequence of the fault of another person.

9 Coverage exists for the newly acquired auto . Who is an Insured Under Tort Liability Insurance 3. Any trailer you own, while being pulled by your Options covered auto . As used in this section, an "insured" means : 4. Any auto or trailer not owned by you while used on 1. you or a family member; or a temporary basis as a substitute for any other auto described in this definition which is out of normal use 2. if residing in your household, a minor in the custody because of its: of either you or a family member a) breakdown; d) loss; or Other Insurance b) repair; e) destruction. 1. If you are an insured under more than one liability insurance Policy , and the policies have conflicting c) servicing; tort options, the Policy providing the Full Tort Option The definition of your covered auto does not apply to applies. PART D - COVERAGE FOR DAMAGE TO YOUR 2. If an insured, other than you, is covered by more auto . Your covered auto is redefined in PART D.

10 Than one liability insurance Policy , and the policies TORT LIABILITY INSURANCE OPTIONS have conflicting tort options: Limited Tort Option a. The insured is bound by the tort option of the Policy associated with the motor vehicle the If the Declarations shows "Limited Tort" as the Tort insured is occupying at the time of the Option chosen, the Limited Tort Option applies. Each accident. insured who is bound by this option may seek compensation only for economic loss suffered because b. The Full Tort Option applies if the insured is not of bodily injury caused by accident as the occupying a motor vehicle at the time of the consequence of the fault of another person. However, accident. each insured may recover damages as if the insured PART A - LIABILITY COVERAGE. damaged had elected the Full Tort Option: INSURING AGREEMENT. 1. If the bodily injury suffered is a serious injury; or If you pay a premium for this coverage, we will pay 2.