The provisions and exclusions that apply to Part D also apply to this endorsement except Exclusion 8 and the Limit of Liability provision. We will pay for direct and accidental loss or damage to covered property while it is:
1. in or att ached to; or
2. within 25 feet of and used in connecti on with
the auto shown in the Schedule or in the Declarati ons for which a specifi c premium charge indicates that Auto Homes - Contents Coverage is provided.
Loss or damage to covered property must be caused by: 1. fi re or lightning;
2. windstorm; 3. hail; 4. earthquake; 5. explosion;
6. riot or civil commoti on;
7. forced landing of any aircraft or its parts or equipment; 8. fl ood or rising waters;
58
Loss to any “snowmobile:” a. operated in; or
b. while in practi ce or preparati on for;
any racing or speed contest regardless of whether or not such contest is prearranged or organized.
Copyright, North Carolina Rate Bureau, 1996, 2005
NC 03 95 (Ed. 7-87)
THIS ENDORSEMENT DOES NOT APPLY UNLESS THIS FORM NUMBER IS LISTED UNDER THE FORMS SECTION ON THE DECLARATIONS PAGE
AUTO HOMES - CONTENTS COVERAGE
The provisions and exclusions that apply to Part D also apply to this endorsement except Exclusion 8 and the Limit of Liability provision. We will pay for direct and accidental loss or damage to covered property while it is:
1. in or att ached to; or
2. within 25 feet of and used in connecti on with
the auto shown in the Schedule or in the Declarati ons for which a specifi c premium charge indicates that Auto Homes - Contents Coverage is provided.
Loss or damage to covered property must be caused by: 1. fi re or lightning;
2. windstorm; 3. hail; 4. earthquake; 5. explosion;
6. riot or civil commoti on;
7. forced landing of any aircraft or its parts or equipment; 8. fl ood or rising waters;
9. vandalism and malicious mischief;
10. external discharge or leakage of water. This does not include loss resulti ng from: a. rain;
b. snow; or c. sleet;
whether or not wind driven. “Covered property” means:
1. radio and television antennas, awnings, cabanas, or equipment designed to create additi onal living faciliti es while the auto is off a highway; and
2. household furniture or other personal property owned by you or for which you may be liable. If you so elect, property owned by a family member or by your employee who resides with you is covered.
7
EXCLUSIONS
We do not cover Medical Payments Coverage for any insured for bodily injury:
1. Sustained while occupying your covered auto when it is being used as a public or livery conveyance. This exclusion does not apply to a share-the-expense car pool. 2. Sustained while occupying any vehicle located for use as a residence or premises. 3. Occurring while employed or otherwise engaged in the business of:
a. selling; b. repairing; c. servicing; d. storing; or e. parking;
vehicles designed for use mainly on public highways. This includes road testi ng and delivery. This exclusion applies only if Workers’ Compensati on benefi ts are available for the bodily injury.
4. Sustained while occupying, or when struck by, any vehicle (other than your covered
auto) which is:
a. owned by you; or
b. furnished for your regular use.
5. Sustained while occupying, or when struck by, any vehicle (other than your covered
auto which is:
a. owned by any family member; or
b. furnished for the regular use of any family member. However, this exclusion does not apply to you.
6. Sustained while occupying a vehicle without a reasonable belief that that insured is enti tled to do so.
This Exclusion 6. does not apply to a family member using your covered auto which is owned by you.
7. Sustained while occupying any auto not owned by, or furnished for the regular use of, you or any family member while used to carry persons or property for a fee. This exclusion does not apply to:
a. a share-the-expense car pool, or b. you or any family member.
8. Resulti ng from the maintenance or use of any auto not owned by, or furnished for the regular use of, you or any family member while that insured is engaged in the
business of: a. selling; b. repairing; c. servicing; d. storing; or e. parking;
vehicles designed for use mainly on public highways. This includes road testi ng and delivery. This exclusion does not apply to you or any family member.
6
However, any insurance we provide for a vehicle you do not own shall be excess over any other collecti ble insurance.
PART B > MEDICAL PAYMENTS COVERAGE INSURING AGREEMENT
We will pay reasonable expenses incurred for necessary medical and funeral services because of bodily injury:
1. Caused by accident; and 2. Sustained by an insured.
We will pay only those expenses incurred for services rendered within 3 years from the date of the accident.
Reasonable medical expenses do not include expenses: 1. For treatment, services, products or procedures that are:
a. Experimental in nature, for research, or not primarily designed to serve a medical purpose; or
b. Not commonly and customarily recognized throughout the medical profession and within the United States as appropriate for the treatment of bodily injury; or
2. Incurred for:
a. The use of thermography or other related procedures of a similar nature; or b. The use of acupuncture or other related procedures of a similar nature; or c. The purchase or rental of equipment not primarily designed to serve a medical
purpose.
Expenses are reasonable only if they are consistent with the usual fees charged by the majority of similar medical providers in the geographical area in which the expenses were incurred for the specifi c medical service.
Services are necessary only if the services are rendered by a licensed medical provider within the scope of the provider’s practi ce and license and are essenti al in achieving maximum medical improvement for the bodily injury sustained in the accident.
We have the right to make or obtain a uti lizati on review of the medical expenses and services to determine if they are reasonable and necessary for the bodily injury sustained.
“Insured” as used in this Part means: 1. You or any family member:
a. while occupying; or
b. as a pedestrian when struck by;
a motor vehicle designed for use mainly on public roads or a trailer of any type. 2. Any other person while occupying:
a. your covered auto; or b. any other motor vehicle:
(1) operated by you; or
(2) operated by a family member if the motor vehicle is a private passenger auto or trailer.
59
ADDITIONAL EXCLUSIONS
We will not pay for loss or damage to:
1. equipment or accessories of your covered auto which are usual to an auto of the private passenger or truck type;
2. arti cles held as samples or for sale, storage, repair, or delivery aft er sale; exhibiti on merchandise, theatrical wardrobes;
3. business or offi ce equipment; or
4. records or accounts, currency, coins, deeds, banknotes, bullion, evidences of debt, securiti es, ti ckets, stamps, or manuscripts.
LIMIT OF LIABILITY
Our limit of liability for loss will be the lesser of the:
1. stated amount shown in the Schedule or in the Declarati ons; 2. actual cash value of the property at the ti me of loss or damage; or 3. amount necessary to repair or replace the property.
Our payment for loss will be reduced by a $25 deducti ble. The maximum amount payable is the Limit of Liability less a $25 deducti ble. However, the deducti ble will not apply to loss caused by fi re or lightning. An adjustment for depreciati on and physical conditi on will be made in determining cash value at the ti me of loss.
Copyright, North Carolina Rate Bureau, 1980, 1987
NC 03 96 (Ed. 7-87)
THIS ENDORSEMENT DOES NOT APPLY UNLESS THIS FORM NUMBER IS LISTED UNDER THE FORMS SECTION ON THE DECLARATIONS PAGE
AUTO HOMES - CONTENTS COVERAGE Excluding Malicious Mischief and Vandalism
The provisions and exclusions that apply to Part D also apply to this endorsement except Exclusion 8 and the Limit of Liability provision. We will pay for direct and accidental loss or damage to covered property while it is:
1. in or att ached to; or
2. within 25 feet of and used in connecti on with
the auto shown in the Schedule or in the Declarati ons for which a specifi c premium charge indicates that Auto Homes - Contents Coverage is provided.
Loss or damage to covered property must be caused by: 1. fi re or lightning;
2. windstorm; 3. hail; 4. earthquake; 5. explosion;
6. riot or civil commoti on;
7. forced landing of any aircraft or its parts or equipment; 8. fl ood or rising waters;
60
9. external discharge or leakage of water. This does not include loss resulti ng from: a. rain;
b. snow; or c. sleet;
whether or not wind driven. “Covered property” means:
1. radio and television antennas, awnings, cabanas, or equipment designed to create additi onal living faciliti es while the auto is off a highway; and
2. household furniture or other personal property owned by you or for which you may be liable. If you so elect, property owned by a family member or by your employee who resides with you is covered.
ADDITIONAL EXCLUSIONS
We will not pay for loss or damage to:
1. equipment or accessories of your covered auto which are usual to an auto of the private passenger or truck type;
2. arti cles held as samples or for sale, storage, repair, or delivery aft er sale; exhibiti on merchandise, theatrical wardrobes;
3. business or offi ce equipment; or
4. records or accounts, currency, coins, deeds, banknotes, bullion, evidences of debt, securiti es, ti ckets, stamps, or manuscripts.
LIMIT OF LIABILITY
Our limit of liability for loss will be the lesser of the: 1. stated amount shown in the Schedule or in the Declarati ons; 2. actual cash value of the property at the ti me of loss or damage; or 3. amount necessary to repair or replace the property.
Our payment for loss will be reduced by a $25 deducti ble. The maximum amount payable is the Limit of Liability less a $25 deducti ble. However, the deducti ble will not apply to loss caused by fi re or lightning. An adjustment for depreciati on and physical conditi on will be made in determining actual cash value at the ti me of loss.
NC 03 99 (Ed. 7-87)
THIS ENDORSEMENT DOES NOT APPLY UNLESS THIS FORM NUMBER IS LISTED UNDER THE FORMS SECTION ON THE DECLARATIONS PAGE
AUTO DEATH INDEMNITY, SPECIFIC DISABILITY,