Personal Service Insurance Company - AIICO

1 PSIP ersonal Service Insurance Company1000 River RoadSuite 300 Conshohocken, PA 19428 New Jersey StandardPersonal Auto PolicyPSIC NJ SPOL (12/11)POLICY GUIDELINES ection I. Definitions ..1 section II. Insuring Agreement ..2 section III. When and Where Coverage When Coverage Where Coverage IV. Liability Personal Injury Protection Coverage ..6C. Uninsured and Underinsured Motorist Comprehensive and Collision Coverages Damage to Your V. Duties After An Accident or Loss ..27 section VI. Conditions ..28A. Policy Changes.

2 28B. Renewal/Nonrenewal ..29D. Our Right to Recover Payments ..29E. Suit Against F. Change of Interest ..30G. Bankruptcy or Past Premium Payment Obligations ..30I. Limitation on Lawsuit Option ..30J. Concealment or Fraud ..31K. Loss Payable Joint Additional Insured-Lessor ..31iNEW JERSEY STANDARDPERSONAL AUTO Insurance POLICYSECTION Applicable to All define some words and phrases to shorten the policy. This makes it easier to read and words and phrases are printed in boldface italics. YOU can pick them out easily.

3 Private Passenger Automeans a private passenger autonewly owned by or leased to youin addition to any shown on the policy declarations, all autos you own,or lease, for a term of at least 6 months;2. No other Insurance policy provides coverage for that auto; pay usany additional premium required when due; and4. The additional private passenger autois an acceptable risk to usunder and Collision Coverages for an additional private passengerauto shall not becomeeffective until younotify usand request coverage for the additional private passenger auto.

4 Forcoverages other than Part D, wewill provide the broadest coverage we now provide for any autoshownin the declarations to an additional private passenger autofor period of fourteen (14) days after youbecome the owner. Wewill not provide coverage after this fourteen (14) day period, unless within thisperiod youask usto insure the additional private passenger auto. If youask usto insure anadditional private passenger autoafter the fourteen (14) day period, any coverage weprovide for anadditional private passenger autowill begin at the time yourequest coverage.

5 If yourequest coveragenot already provided for any autoshown in the declarations for the additional private passenger autoorincrease yourlimits, these changes to yourpolicy will not become effective until after youask usto addthe coverage or increase yourlimits. a land motor vehicle with four or more wheels. It does not include:1. Any vehicle while located for use as a dwelling or other premises; or 2. A truck-tractor designed to pull a semi-trailer. Insuredmeans the person named as the insured on the policy declarations, and if an individual,named insuredincludes his or her spouse by marriage or domestic partner by civil union, if the spouseby marriage or domestic partner by civil union, is a resident of the household of the named insured.

6 If thespouse by marriage or domestic partner by civil union ceases to be a resident of the named insured shousehold, liability coverage will continue for the spouse by marriage or domestic partner by civil union,but only until the earlier of:1. The effective date of another policy listing the spouse or domestic partner as a named insured; or2. The end of the policy period in effect at the time he or she ceased to be a resident of such acquired private passenger automeans a replacement private passenger autoor anadditional private passenger autofor which Comprehensive and Collision Coverage is subject to theNew Jersey Mandatory Inspection Provision at section IV, Coverage D(2) of this policy.

7 Automeans an autonot owned by, registered to, leased to, or available or furnished for theregular use of:1. Yo u; 2. Any other person residing in the same household as you;3. Any relative. However, an autoowned by, registered to, leased to, or available or furnished for the regular use of arelativewill be considered a non-owned autofor liability arising from yourmaintenance or use of suchauto. A non-owned automust be an autoin the lawful possession of the person operating it. means in, on, entering into, or alighting from.

8 Passenger Automeans a self-propelled autodesigned for use principally on public roads andthat is one of the following types: 1. A private passenger or station wagon type automobile; or2. A private passenger pick up or private passenger van that: a. Has a Gross Vehicle Weight Rating of 10,000 lbs. or less; andb. Is not used for the delivery or transportation of persons or goods and materials unless such use is:(1) Incidental to your business of installing, maintaining or repairing furnishings or equipment; or(2) For farming or private passenger autodoes not include a a person who resides with you in yourhousehold, and is related to you by blood,marriage, civil union, adoption, or is a ward or foster child.

9 Private Passenger Automeans a private passenger auto youbecome the owner of, uacquire the autoduring the policy period shown on the declarations page;2. The autothat youacquire replaces one shown on the declarations page;3. No other Insurance policy provides coverage for that auto; upay usany additional premium required when due; and5. The replacement autois an acceptable risk to usunder our underwriting provide the replacement autowith the same coverage as the autoit replaces. Yo umust ask usto insure a replacement autowithin three (3) days after youbecome the owner if youwant to continuecoverage under Part D - Comprehensive and Collision Coverages.

10 The three (3) day period includes theday on which the replacement autois acquired and shall be extended by one day for each Saturday,Sunday, or New Jersey State holiday falling within the three (3) day period. If youask usto insure areplacement autoafter this three day period, any coverage weprovide under Part D for a replacementautowill begin at the time yourequest coverage. If yourequest coverage not already provided for anyautoshown in the declarations for the replacement autoor increase yourlimits, it will not becomeeffective until after youask usto add the coverage or increase yourlimits.