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State Farm Car Policy Booklet

Please read the Policy carefully. If there is an accident, contact your State farm agent or one of our Claim Offices at once. (See INSURED'S DUTIES in this Policy Booklet .). State farm . Car Policy Booklet Nevada Policy Form 9828A. CONTENTS. THIS Policy .. 3 Nonduplication ..19. Exclusions ..19. 4. If Other Physical Damage Coverage or Similar Coverage LIABILITY COVERAGE .. 5. Financed Vehicle ..21. Additional Definition .. 5 Our Payment Options ..21. Insuring 6. Supplementary 6. 6 DEATH, DISMEMBERMENT AND. 7 LOSS OF SIGHT COVERAGE ..22. 7 Additional Definition ..22. If Other Liability Coverage 8 Insuring Agreement ..22. Required Out-of- State Liability Coverage.

Please read the policy carefully. If there is an accident, contact your State Farm agent or one of our Claim Offices at once. (See “INSURED’S DUTIES” in this policy booklet.)

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Transcription of State Farm Car Policy Booklet

1 Please read the Policy carefully. If there is an accident, contact your State farm agent or one of our Claim Offices at once. (See INSURED'S DUTIES in this Policy Booklet .). State farm . Car Policy Booklet Nevada Policy Form 9828A. CONTENTS. THIS Policy .. 3 Nonduplication ..19. Exclusions ..19. 4. If Other Physical Damage Coverage or Similar Coverage LIABILITY COVERAGE .. 5. Financed Vehicle ..21. Additional Definition .. 5 Our Payment Options ..21. Insuring 6. Supplementary 6. 6 DEATH, DISMEMBERMENT AND. 7 LOSS OF SIGHT COVERAGE ..22. 7 Additional Definition ..22. If Other Liability Coverage 8 Insuring Agreement ..22. Required Out-of- State Liability Coverage.

2 9. Financial Responsibility Certification .. 9 Benefit ..22. Exclusions Death, Dismemberment and MEDICAL PAYMENTS COVERAGE .. 9 Loss of Sight Coverage and Loss of Earnings Additional Definitions .. 9 Coverage ..23. Insuring 10 Our Payment Options Death, Dismemberment Determining Medical Expenses .. 10 and Loss of Sight Coverage and Loss of Limit .. 10 Earnings Coverage ..24. 10. If Other Medical Payments Coverage or LOSS OF EARNINGS COVERAGE ..23. Similar Vehicle Insurance Applies ..11. Our Payment 12 Additional Insuring Agreement ..23. UNINSURED MOTOR VEHICLE COVERAGE ..12. Exclusions Death, Dismemberment and Additional Definitions .. 12 Loss of Sight Coverage and Loss of Earnings Insuring 13 Coverage.

3 23. Consent to Settlement .. 13. Our Payment Options Death, Dismemberment Deciding Fault and Amount .. 13 and Loss of Sight Coverage and Loss of 13 Earnings Coverage ..24. 14 INSURED'S DUTIES ..24. 14. If Other Uninsured Motor Vehicle Coverage Notice to Us of an Accident or Applies .. 15. Notice to Us of a Claim or Our Payment 15. Insured's Duty to Cooperate With PHYSICAL DAMAGE COVERAGES .. 15. Questioning Under Additional Definitions .. 16. Insuring Agreements .. 16 Other Duties Under the Physical Damage Supplementary Payments Comprehensive Coverage and Collision Coverage .. 17 Other Duties Under Medical Payments Limits and Loss Settlement Comprehensive Coverage, Uninsured Motor Vehicle Coverage and Collision 18 Coverage, Death, Dismemberment and Limits Car Rental and Travel Expenses Loss of Sight Coverage, and Loss of Coverage.

4 19 Earnings Coverage ..25. 2. 9828A. GENERAL TERMS .. 25 When Coverage Applies .. 25 Where Coverage Applies .. 25 Bankruptcy or Insolvency of the Insured ..28. Newly Owned or Newly Leased Car .. 26 Concealment or Fraud ..28. Changes to This Policy .. 26 Our Right to Recover Our 26 Legal Action Against Renewal .. 27 Choice of Law ..29. 27 Severability ..29. THIS Policy . 1. This Policy consists of: (2) Neither you nor any member of your a. the most recently issued Declarations household has, within the past three years, had: Page;. (a) vehicle insurance canceled or b. the Policy Booklet version shown on that nonrenewed by an insurer; or Declarations Page; and (b) either: c.

5 Any endorsements that apply, including those listed on that Declarations Page as (i) a license to drive; or well as those issued in connection with any (ii) a vehicle registration subsequent renewal of this Policy . suspended, revoked, or refused. 2. This Policy contains all of the agreements be- (3) Your car is used for pleasure and tween all named insureds and applicants and: business. a. us; and 4. All named insureds and applicants agree by b. any of our agents. acceptance of this Policy that: 3. We agree to provide insurance according to the a. the statements in above are made by terms of this Policy : the named insured or applicant and are true; and a.

6 Based on payment of premium for the cov- erages chosen; and b. we provide this insurance on the basis those statements are true. b. unless otherwise stated in EXCEPTIONS, Policy Booklet , AND ENDORSE- 5. Your purchase of this Policy may allow you to MENTS on the Declarations Page, in reliance purchase certain coverages, coverage options, coverage deductibles, coverage limits, or cov- on the following statements: erage terms on other policies from the State (1) The named insured is the sole owner farm Companies, subject to their applicable of your car. eligibility rules. 3. 9828A. DEFINITIONS. We define certain words and phrases below for use Non-Owned Car means a car that is in the lawful throughout the Policy .

7 Each coverage includes ad- possession of you or any resident relative and that ditional definitions only for use with that coverage. neither: These definitions apply to the singular, plural, and 1. is owned by: possessive forms of these words and phrases. De- fined words and phrases are printed in boldface a. you;. italics. b. any resident relative;. Bodily Injury means bodily injury to a person and c. any other person who resides primarily in sickness, disease, or death that results from it. your household; or Car means a land motor vehicle with four or more d. an employer of any person described in a., wheels, designed for use primarily on public roads.

8 B., or c. above; nor It does not include: 2. has been operated by, rented by, or in the pos- 1. Any vehicle while located for use as a dwelling session of: or other premises; or a. you; or 2. A truck-tractor designed to pull any type of b. any resident relative trailer. during any part of each of the 31 or more con- Car Business means a business or job where the secutive days immediately prior to the date of purpose is to sell, lease, rent, repair, service, mod- the accident or loss. ify, transport, store, or park land motor vehicles or any type of trailer. Occupying means in, on, entering, or exiting. Fungi means any type or form of fungus or fungi Our means the Company issuing this Policy as and includes: shown on the Declarations Page.

9 1. Mold; Owned By means: 2. Mildew; and 1. owned by;. 3. Any of the following that are produced or re- 2. registered to; or leased by fungi: 3. leased, if the lease is written for a period of 31. a. Mycotoxins; or more consecutive days, to. b. Spores; Pedestrian means a person who is not occupying: c. Scents; or 1. a motorized vehicle; or d. Byproducts. 2. a vehicle designed to be pulled by a motorized vehicle. Newly Acquired Car means a car newly owned by Person means a human being. you. A car ceases to be a newly acquired car on the earlier of: Private Passenger Car means: 1. the effective date and time of a Policy , includ- 1. a car of the private passenger type, other than a ing any binder, issued by us or any other com- pickup truck, van, minivan, or sport utility ve- pany that describes the car as an insured hicle, designed primarily to carry persons and vehicle; or their luggage; or 2.

10 The end of the 14th calendar day immediately 2. a pickup truck, van, minivan, or sport utility vehicle: following the date the car is delivered to you. a. that is not used for: If a newly acquired car is not otherwise afforded (1) wholesale; or comprehensive coverage or collision coverage by this or any other Policy , then this Policy will pro- (2) retail vide Comprehensive Coverage or Collision Cover- pick up or delivery; and 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.


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