COVERAGE FOR DAMAGE TO YOUR AUTO Customizing Equipment Coverage

Coverage for Audio, Visual and Data Electronic Equipment

All the provisions of the policy apply to the coverage(s) provided by this endorsement except as modiﬁ ed herein:

A. Customizing Equipment Coverage

When Customizing Equipment Coverage is indicated as applicable to a your covered

auto [in the Schedule or in the Declarati ons], the provisions of Part D – Coverage for

Damage to Your Auto are modiﬁ ed as follows: 1. The following is added to Exclusion 12:

This exclusion does not apply to any your covered auto described [in the Schedule or in the Declarati ons] as subject to Customizing Equipment Coverage.

2. The following is added to the Limit of Liability:

With respect to coverage provided for custom furnishings or equipment, our limit of liability will be the lesser of the:

1. amount shown [in the Schedule or in the Declarations];

2. actual cash value of the stolen or damaged custom furnishings or equipment; or

3. amount necessary to repair or replace the custom furnishings or equipment with other property of like kind or quality.

This amount does not include any reducti on in the value of the property aft er it has been repaired, as compared to its value before it was damaged. For the purpose of this Endorsement, a camper body shown [in the Schedule or in the Declarati ons], or any cap, cover or bedliner in or upon a pickup truck you own shall not be considered custom furnishings or equipment.

Any amount payable for loss to custom furnishings or equipment will be reduced by any amounts payable for damage to these furnishings or equipment under Part D of the policy.

An adjustment for depreciati on and physical conditi on will be made in determining actual cash value at the ti me of loss.

B. Coverage for Audio, Visual and Data Electronic Equipment

When Coverage for Audio, Visual and Data Electronic Equipment Coverage is indicated as applicable to a your covered auto [in the Schedule or in the Declarati ons], the provisions of Part D – Coverage for Damage to Your Auto are modiﬁ ed as follows: 1. Exclusions 4.a. and 4.c. do not apply.

2. The following is added to the Insuring Agreement:

We will pay, without applicati on of a deducti ble and subject to the limit of liability for Coverage for Audio, Visual and Data Electronic Equipment Coverage, for direct

2. the damages sustained by the insured for bodily injury reduced by: a. all sums described in items _{1. and 2. in the preceding paragraph; and} b. all sums paid or payable because of the bodily injury under any workers’

compensati on law. However, this reducti on does not apply to the extent that an employer’s lien is required to be paid under North Carolina’s workers’ compensati on law.

The limit of property damage liability under this coverage shall be reduced by all sums paid because of the property damage by or on behalf of persons or organizati ons who may be legally responsible. This includes all sums payable under Part A.

B. The ﬁ rst paragraph of Arbitration is deleted and replaced by the following: If:

1. We and an insured do not agree:

a. Whether that insured is legally enti tled to recovercompensatory damages from the owner or driver of an uninsured motor vehicle; or b. As to the amount of such damages; and

2. That insured has not ﬁ led a lawsuit against us to sett le the dispute; then the insured may demand to sett le the dispute by arbitrati on. C. Item _{5. of Arbitration is deleted and replaced by the following:}

5. Any arbitrati on acti on against us must begin within the same ti me limit required by the laws of the state where the accident occurred for ﬁ ling a lawsuit against the owner or operator of the uninsured motor vehicle for the damages arising out of the accident. The starti ng point for this ti me period is the date on which the cause of acti on accrues against the owner or operator of the uninsured motor vehicle in the state where the accident occurred.

3. PART C2 - COMBINED UNINSURED/UNDER-INSURED MOTORISTS COVERAGE Part C_{2 is amended as follows:}

A. The fourth and ﬁ ft h paragraphs of Limit of Liability are deleted and replaced by the following:

The limits of bodily injury liability shown in the Schedule or Declarati ons for each person and each accident for this coverage shall be reduced by all sums:

1. Paid because of the bodily injury by or on behalf of persons or organizati ons who may be legally responsible. This includes all sums paid under Part A; and 2. Paid or payable because of the bodily injury under any disability beneﬁ ts law

or any similar law.

The most we will pay for bodily injury damages to an insured under this coverage is the lesser of:

1. the limit of bodily injury liability shown in the Schedule or Declarati ons for each person for this coverage reduced by all sums described in items _{1. and 2.} of the preceding paragraph; or

2. the damages sustained by the insured for bodily injury reduced by: a. all sums described in items _{1. and 2. in the preceding paragraph; and}

36492 (8-84)

THIS ENDORSEMENT DOES NOT APPLY UNLESS THIS FORM NUMBER IS LISTED UNDER THE FORMS SECTION ON THE DECLARATIONS PAGE

IMPORTANT NOTICE - NORTH CAROLINA REINSURANCE FACILITY

To the extent liability, medical payments, uninsured motorists and underinsured motorists coverages are included in this policy, those coverages have been reinsured through the North Carolina Reinsurance Facility because the Company has elected not to retain those coverages voluntarily. The premium for the reinsured coverages is higher than if the coverages had not been so reinsured. The speciﬁ c reason or reasons why the coverages have been so reinsured will be furnished on writt en request. You may seek insurance through other insurers and, since other companies may elect not to reinsure your policy, it may be to your advantage to do so.

NC 00 11 05 08

THIS ENDORSEMENT DOES NOT APPLY UNLESS THIS FORM NUMBER IS LISTED UNDER

THE FORMS SECTION ON THE DECLARATIONS PAGE

AMENDATORYENDORSEMENT NORTH CAROLINA PERSONAL AUTO POLICY

This endorsement is a part of your policy. Except for the changes it makes, all other terms of the policy remain the same and apply to this endorsement.

1. PART A - LIABILITY COVERAGE

Part A is amended as follows:

Exclusion _{2. is deleted and replaced by the following:} We do not provide Liability Coverage for any insured: 2. For property damage to property:

a. owned in whole or in part by that insured; or b. being transported by that insured;

2. PART C1 - UNINSURED MOTORISTS COVERAGE Part C_{1 is amended as follows:}

A. The third paragraph of Limit of Liability is deleted and replaced by the following: The limits of bodily injury liability shown in the Schedule or Declarati ons for each person and each accident for this coverage shall be reduced by all sums:

or any similar law.

The most we will pay for bodily injury damages to an insured under this coverage is the lesser of:

1. the limit of bodily injury liability shown in the Schedule or Declarati ons for each person for this coverage reduced by all sums described in items _{1. and 2.} of the preceding paragraph; or

and accidental loss to any electronic equipment that records, emits, ampliﬁ es, receives or transmits audio, visual or data signals. This coverage applies only if the equipment is permanently installed in your covered auto at the ti me of loss. We will also pay, without applicati on of a deducti ble and subject to the limit of liability for Coverage for Audio, Visual and Data Electronic Equipment Coverage, for direct and accidental loss to any accessories used with electronic equipment

permanently installed in your covered auto.

3. The following is added to the Limit of Liability:

Our limit of liability for the total of all losses to audio, visual or data electronic equipment and any accessories used with this equipment, as a result of any one occurrence shall be the lesser of the:

(_{1) Amount shown in the Schedule or in the Declarati ons;} (_{2) Actual cash value of the stolen or damaged property; or}

(_{3) Amount necessary to repair or replace the property with other property of} like kind or quality.

This amount does not include any reducti on in the value of the property aft er it has been repaired, as compared to its value before it was damaged. An adjustment for depreciati on and physical conditi on will be made in determining actual cash value at the ti me of loss.

Material in [brackets] may be amended as necessary.

Copyright, North Carolina Rate Bureau, ₂₀₀₅

NC 03 19 (Ed. 7-80)

THIS ENDORSEMENT DOES NOT APPLY UNLESS THIS FORM NUMBER IS LISTED UNDER THE FORMS SECTION ON THE DECLARATIONS PAGE

ADDITIONAL INSURED - LESSOR

Insured Company Policy Number

Eﬀ ecti ve Date Expirati on Date Named Insured

Address

Additi onal Insured (Lessor) Descripti on of your leased auto: Coverages:

1. (a) Single Limit Liability $______ each accident or

(b) Bodily Injury Liability $______ each person $______ each accident

Property Damage Liability $______ each accident 2. No-Fault Coverage $______ each accident

NC 03 15 (Ed. 06-05)

THIS ENDORSEMENT DOES NOT APPLY UNLESS THIS FORM NUMBER IS LISTED UNDER THE FORMS SECTION ON THE DECLARATIONS PAGE

COVERAGE FOR DAMAGE TO YOUR AUTO Customizing Equipment Coverage

Coverage for Audio, Visual and Data Electronic Equipment

All the provisions of the policy apply to the coverage(s) provided by this endorsement except as modiﬁ ed herein:

A. Customizing Equipment Coverage

When Customizing Equipment Coverage is indicated as applicable to a your covered

auto [in the Schedule or in the Declarati ons], the provisions of Part D – Coverage for

Damage to Your Auto are modiﬁ ed as follows: 1. The following is added to Exclusion 12:

This exclusion does not apply to any your covered auto described [in the Schedule or in the Declarati ons] as subject to Customizing Equipment Coverage.

2. The following is added to the Limit of Liability:

With respect to coverage provided for custom furnishings or equipment, our limit of liability will be the lesser of the:

1. amount shown [in the Schedule or in the Declarations];

2. actual cash value of the stolen or damaged custom furnishings or equipment; or

3. amount necessary to repair or replace the custom furnishings or equipment with other property of like kind or quality.

Any amount payable for loss to custom furnishings or equipment will be reduced by any amounts payable for damage to these furnishings or equipment under Part D of the policy.

An adjustment for depreciati on and physical conditi on will be made in determining actual cash value at the ti me of loss.

B. Coverage for Audio, Visual and Data Electronic Equipment

2. The following is added to the Insuring Agreement:

We will pay, without applicati on of a deducti ble and subject to the limit of liability for Coverage for Audio, Visual and Data Electronic Equipment Coverage, for direct

compensati on law. However, this reducti on does not apply to the extent that an employer’s lien is required to be paid under North Carolina’s workers’ compensati on law.

B. The ﬁ rst paragraph of Arbitration is deleted and replaced by the following: If:

1. We and an insured do not agree:

a. Whether that insured is legally enti tled to recovercompensatory damages from the owner or driver of an uninsured motor vehicle; or b. As to the amount of such damages; and

3. PART C2 - COMBINED UNINSURED/UNDER-INSURED MOTORISTS COVERAGE Part C_{2 is amended as follows:}

A. The fourth and ﬁ ft h paragraphs of Limit of Liability are deleted and replaced by the following:

The limits of bodily injury liability shown in the Schedule or Declarati ons for each person and each accident for this coverage shall be reduced by all sums:

or any similar law.

The most we will pay for bodily injury damages to an insured under this coverage is the lesser of:

1. the limit of bodily injury liability shown in the Schedule or Declarati ons for each person for this coverage reduced by all sums described in items _{1. and 2.} of the preceding paragraph; or

2. the damages sustained by the insured for bodily injury reduced by: a. all sums described in items _{1. and 2. in the preceding paragraph; and}

b. all sums paid or payable because of the bodily injury under any workers’ compensati on law. However, this reducti on does not apply to the extent that an employer’s lien is required to be paid under North Carolina’s workers’ compensati on law.

B. The ﬁ rst paragraph of Arbitration is deleted and replaced by the following: If:

1. We and an insured do not agree:

a. Whether that insured is legally enti tled to recover compensatory damages from the owner or driver of an uninsured motor vehicle or

underinsured motor vehicle; or

b. As to the amount of such damages; and

underinsured motor vehicle for the damages arising out of the accident. If

the acti on is between an insured and the owner or operator of an uninsured

motor vehicle, then the starti ng point for this ti me limit is the date on which

the cause of acti on accrues against the owner or operator of the uninsured motor vehicle in the state where the accident occurred. If the acti on is between an insured and the owner or operator of an underinsured motor

vehicle, then the starti ng point for this ti me limit is the later of the following:

a. The date we advance payment to the insured in an amount equal to a tentati ve sett lement between the insured and the owner or operator of the underinsured motor vehicle; or

b. The date any applicable liability bonds or policies have been exhausted by payments of judgments or sett lements.

4. PART D - COVERAGE FOR DAMAGE TO YOUR AUTO Part D is amended as follows:

Exclusion _{9 is changed by deleti ng the following:}

This exclusion does not apply to the interests of Loss Payees in your covered auto. 5. PART F - GENERAL PROVISIONS

Part F is amended as follows:

Termination - Cancellation, Nonrenewal, Automatic Termination, Other Termination Provisions is amended by adding the following to paragraph _{4 of}

the Cancellation Provision:

g. The named insured is no longer an eligible risk under G.S. _58-37-1. h. Any other reason permitt ed by the North Carolina General Statutes.

Other Termination Provisions is deleted and replaced by the following:

1. If the law in eﬀ ect in North Carolina at the ti me this policy is issued, renewed or conti nued:

a. requires a longer noti ce period;

NC 03 04 (Ed. 1-98)

THIS ENDORSEMENT DOES NOT APPLY UNLESS THIS FORM NUMBER IS LISTED UNDER THE FORMS SECTION ON THE DECLARATIONS PAGE

In document North Carolina Personal Automobile Policy (Page 32-34)