Texas Commercial Auto Policy

1 We know how important it is for you to stay on the (06/13) 16/11/2013 11:00:23 AM6/11/2013 11:00:23 AMTexas Commercial auto Policy 500 W 5th Street Winston-Salem NC 27102-3199 Integon Casualty Insurance Company Integon General Insurance Corporation Integon Indemnity Corporation Integon National Insurance Company Integon Preferred Insurance Company New South Insurance Company GMAC Insurance Company Online, Inc. MIC General Insurance Corporation National General Insurance Company National General Assurance Company 10465 (01012011) Texas COMMERICAL auto Policy Integon National Insurance Company 500 W 5th Street Winston-Salem, NC 27102-3199 TELEPHONE: 877-468-3466 Texas Commercial auto Policy Integon National Insurance Company 500 W 5th Street - Winston-Salem, NC 27101-2728 TELEPHONE: 877-468-3466 YOUR Texas Commercial auto Policy - QUICK REFERENCE SECTION I - COVERED AUTOS.

2 1 A. Description of Covered Autos Designation Symbols .. 1 B. Owned Autos You Acquire After the Policy Begins .. 1 C. Certain Trailers, Mobile Equipment and Temporary Substitute Autos .. 1 SECTION II - LIABILITY COVERAGE ..1 A. Coverage .. 1 B. Exclusions .. 2 C. Limit of Insurance .. 3 SECTION III - PHYSICAL DAMAGE ..4 A. Coverage .. 4 B. Exclusions .. 4 Limit of Insurance .. 5 Deductible .. 5 SECTION IV - COMMERICAL auto CONDITIONS ..5 A. Loss Conditions .. 5 B. General Conditions .. 6 SECTION V - DEFINITIONS ..7 SPECIAL PROVISIONS .. 8 THESE Policy PROVISIONS WITH THE DECLARATIONS PAGE, YOUR APPLICATION, AND ENDORSEMENTS, IF ANY, ISSUED TO FORM A PART THEREOF, COMPLETE THIS Policy IMPORTANT NOTICE To obtain information or make a complaint: You may call Integon National Insurance Company toll-free telephone number for information or to make a complaint at: 1- 877-468-3466 You may also write to Integon National Insurance Company at: 500 W 5th Street Winston-Salem, NC 27101-2728 You may contact the Texas Department of Insurance to obtain information on companies, coverages, rights or complaints at.

3 1- 800-252-3439 You may write the Texas Department of Insurance: Box 149104 Austin, TX 78714-9104 Fax: (512) 475-1771 Web: . us E- mail: To obtain price and Policy form comparisons and other information relating to residential property insurance and personal automobile insurance, you may visit the Texas Department of Insurance/Office of Public Insurance Counsel website: PREMIUM OR CLAIM DISPUTES: Should you have a dispute concerning your premium or about a claim, you should contact Integon National Insurance Company first. If the dispute is not resolved, you may contact the Texas Department of Insurance.

4 ATTACH THIS NOTICE TO YOUR Policy : This notice is for information only and does not become a part or condition of the attached document. AVISO IMPORTANTE Para obtener informacion o para someter una queja: Usted puede Ilamar al numero de telefono gratis de Integon National Insurance Company para informacion o para someter una queja al: 1- 877-468-3466 Usted tambien puede escribir a Integon National Insurance Company: 500 W 5th Street Winston-Salem, NC 27101-2728 Puede comunicarse con el Departamento de Seguros de Texas para obtener informacion acerca de companias, coberturas, derechos o quejas al: 1- 800-252-3439 Puede escribir al Departamento de Seguros de Texas : Box 149104 Austin, TX 78714-9104 Fax.

5 (512) 475-1771 Web: . us E- mail: Para obtener formas de comparacion de precios y poliza y otra informacion acerca del sequro de propiedad residencial y del seguro de automovil, visite el sitio web del Departamento de Seguros de Texas y la Oficina del Asesor Publico de Seguros: DISPUTAS SOBRE PRIMAS 0 RECLAMOS: Si tiene una disputa concerniente a su prima o a un reclamo, debe comunicarse con el Integon National Insurance Company primero. Si no se resuelve la disputa, puede entonces comunicarse con el departamento (TDI). UNA ESTE AVISO A SU POLIZA: Este aviso es solo para proposito de informacion y no se convierte en parte o condicion del documento adjunto.

6 03656 (12012007)Motor Vehicle Insurance Damage Claim Coverage, Settlement, and Disclosure (Administrative Code Section ) NOTICE BY LAW, YOU HAVE THE RIGHT TO SELECT WHERE YOUR MOTOR VEHICLE IS REPAIRED. HOWEVER, INTEGON NATIONAL INSURANCE COMPANY IS NOT REQUIRED TO PAY MORE THAN A REASONABLE CHARGE FOR THE REPAIRS PERFORMED. IN OTHER WORDS, INTEGON NATIONAL INSURANCE COMPANY IS NOT REQUIRED TO PAY THE COST FOR COVERED REPAIRS THAT IS GREATER THAN THE REASONABLE CHARGE. YOU MAY BE REQUIRED TO PAY THE DIFFERENCE. AT YOUR REQUEST WE WILL EXPLAIN TO YOU IN WRITING HOW WE DECIDE A REASONABLE CHARGE FOR THIS REPAIR.

7 IF YOU FILE A CLAIM AND SO REQUEST, WE ALSO WILL TELL YOU HOW MUCH WE WILL PAY FOR A COVERED REPAIR PERFORMED BY A REPAIR SHOP YOU CHOOSE. 1 COMMERICAL auto COVERAGE FORM - TE 0001 (01011999) Various provisions in this Policy restrict coverage. Read the entire Policy carefully to determine rights, duties and what is and is not covered. Throughout this Policy the words you and your refer to the Named Insured shown in the Declarations. The words we , us and our refer to the Company providing this insurance. Words and phrases that appear in bold face have special meaning.

8 Refer to SECTION V - DEFINITIONS. SECTION I - COVERED AUTOS ITEM TWO of the Declarations shows the autos that are covered autos for each of your coverages. The following numerical symbols describe the autos that may be covered autos. The symbols entered next to a coverage on the Declarations designate the only autos that are covered autos. A. Description of Covered Autos Designation Symbols SYMBOL DESCRIPTION 1 = ANY auto 2 = OWNED AUTOS ONLY. Only those autos you own (and for Liability Coverage any trailers you don t own while attached to power units you own). This includes those autos you acquire ownership of after the Policy begins.

9 3 = OWNED PRIVATE PASSENGER AUTOS ONLY. Only the private passenger autos you own. This includes those private passenger autos you acquire ownership of after the Policy begins. 4 = OWNED AUTOS OTHER THAN PRIVATE PASSENGER AUTOS ONLY. Only those autos you own that are not of the private passenger type (and for Liability Coverage any trailers you don t own while attached to power units you own). This includes those autos not of the private passenger type you acquire ownership of after the Policy begins. 5 = OWNED AUTOS SUBJECT TO NO-FAULT. Only those autos you own that are required to have No-Fault benefits in the state where they are licensed or principally garaged.

10 This includes those autos you acquire ownership of after the Policy begins provided they are required to have No-Fault benefits in the state where they are licensed or principally garaged. 6 = OWNED AUTOS SUBJECT TO A COMPULSORY UNINSURED MOTORISTS LAW. Only those autos you own that because of the law in the state where they are licensed or principally garaged are required to have and cannot reject Uninsured Motorists Coverage. This includes those autos you acquire ownership of after the Policy begins provided they are subject to the same state uninsured motorists requirement. 7 = SPECIFICALLY DESCRIBED AUTOS. Only those autos described in ITEM THREE of the Declarations for which a premium charge is shown (and for Liability Coverage any trailers you don t own while attached to any power unit described in ITEM THREE).