filing at a glance · filing at a glance company: grange property & casualty insurance company...

Filing at a Glance

Company: Grange Property & Casualty Insurance Company

Product Name: KY PA3

State: Kentucky

TOI: 19.0 Personal Auto

Sub-TOI: 19.0001 Private Passenger Auto (PPA)

Filing Type: Form

Date Submitted: 04/08/2014

SERFF Tr Num: GRAN-129453404

SERFF Status: Closed-Approved

State Tr Num: GRAN-129453404

State Status: Filing Closed

Co Tr Num: 1407PCPA316FO00

Effective DateRequested (New):

07/17/2014

Effective DateRequested (Renewal):

01/17/2015

Author(s): Sharon Daehler

Reviewer(s): Diane Traylor (primary)

Disposition Date: 04/23/2014

Disposition Status: Approved

Effective Date (New): 07/17/2014

Effective Date (Renewal): 01/17/2015

State Filing Description:

Final Action Date 06/06/2014

SERFF Tracking #: GRAN-129453404 State Tracking #: GRAN-129453404 Company Tracking #: 1407PCPA316FO00

State: Kentucky Filing Company: Grange Property & Casualty Insurance Company

TOI/Sub-TOI: 19.0 Personal Auto/19.0001 Private Passenger Auto (PPA)


Project Name/Number: /

PDF Pipeline for SERFF Tracking Number GRAN-129453404 Generated 04/25/2014 04:00 PM

General Information

Company and Contact

Filing Fees

Project Name: Status of Filing in Domicile:

Project Number: Domicile Status Comments:

Reference Organization: Reference Number:

Reference Title: Advisory Org. Circular:

Filing Status Changed: 04/23/2014

State Status Changed: 04/23/2014 Deemer Date: 06/07/2014

Created By: Sharon Daehler Submitted By: Sharon Daehler

Corresponding Filing Tracking Number:

Filing Description:

This filing contains forms for our new Personal Auto and Miscellaneous Auto rate plan in the PinPoint Auto program. Thedetails of the changes submitted are in the explanatory memo attached to the Supporting Documentation tab.

Please do not hesitate to contact me for any questions you may have in regards to this filing. I may be reached at (800) 422-0550, extension 3179.

Filing Contact InformationSharon Daehler, Product Manager [email protected]

671 S. High Street

Columbus, OH 43206-1014

614-445-3179 [Phone]

614-445-2404 [FAX]

Filing Company InformationGrange Property & CasualtyInsurance Company

671 South High Street

Columbus, OH 43216

(614) 445-2900 ext. [Phone]

CoCode: 11982

Group Code: 267

Group Name:

FEIN Number: 31-4192970

State of Domicile: Ohio

Company Type: P&C

State ID Number:

Fee Required? Yes

Fee Amount: $50.00

Retaliatory? Yes

Fee Explanation: Retaliatory fee is $50

Per Company: Yes

Company Amount Date Processed Transaction #Grange Property & Casualty Insurance Company $50.00 04/08/2014 81068607







Correspondence Summary DispositionsStatus Created By Created On Date SubmittedApproved Diane Traylor 04/23/2014 04/23/2014







Disposition

Disposition Date: 04/23/2014

Effective Date (New): 07/17/2014

Effective Date (Renewal): 01/17/2015

Status: Approved

Comment: Forms for new Personal Auto and Miscellaneous Auto rate plan in the PinPoint Auto program

Rate data does NOT apply to filing.

Schedule Schedule Item Schedule Item Status Public AccessSupporting Document Certification of Flesch Score (if applicable) Yes

Supporting Document Filing Fee Yes

Supporting Document Third Party Authorization (if applicable) Yes

Supporting Document Explanatory Memo Yes

Form Personal Auto Policy Yes

Form Personal Auto Amendatory Endorsement KentuckyPA113KY

Yes

Form Extended Non-Owned Coverage for Named Individual A-16

Yes

Form Additional Insured - Lessor A32A Yes

Form Camper Body Coverage A74 Yes

Form Additional Insured A75 Yes

Form Additional Named Insured A76 Yes

Form Personal Effects Coverage A80 Yes

Form Miscellaneous Type Vehicle Endorsement A158 Yes

Form Covered Property Endorsement A159 SC Yes

Form Coverage for Damage to Your Auto A160 Yes

Form Snowmobile Endorsement - A 161 Yes

Form Cancellation Privilege A163 Yes

Form Antique, Classic or Special Interest Vehicle RestrictedUse A164

Yes

Form Agreed Value A165 Yes

Form Basic Personal Injury Protection Coverage A178 Yes







Schedule Schedule Item Schedule Item Status Public AccessForm Additional Personal Injury Protection Coverage A179 Yes

Form Identity Theft Coverage A538 Yes

Form Exclusion of Named Person(s) from All Vehicles B137 Yes

Form Loan/Lease Gap Coverage B152 Yes

Form Loss Settlement-Original Equipment Manufacturer PartsPA101

Yes

Form Personal Auto Deductible Waiver PA105 Yes

Form Personal Auto Mobile Devices Coverage PA107 Yes

Form Personal Auto Pet Injury Coverage PA108 Yes

Form Personal Auto New Auto Replacement Cost PA109 Yes

Form Personal Auto Towing and Labor Costs PA110 Yes

Form Personal Auto Rental Reimbursement/TransportationExpenses Coverage PA111

Yes

Form Important Notice Higher Limits Available Yes

Form Important Notice Credit Usage Yes

Form Declarations Page Yes

Form Rating Information Page Yes

Form Application Yes

Form Cancellation Notice Yes

Form Mid Term Notice of Cancellationfor NSF/DSF Yes

Form Void at Inception Notice Yes

Form Lapse Notice Yes

Form Audio/Visual Equipment Endorsement A151 Yes

Form Personal Auto Plus Endorsement - A 154KY Yes







Form Schedule

Item

No.

Schedule Item

Status

Form

Name

Form

Number

Edition

Date

Form

Type

Form

Action

Action Specific

Data

Readability

Score Attachments1 Personal Auto Policy ENN01O 7-2012 PCF Replaced Previous Filing

Number:Replaced FormNumber:

ENN01O 7-2012

ENN010_072012_1.pdf

2 Personal AutoAmendatory EndorsementKentucky PA113KY

ENDPA113KY

6-2014 END New 46.000 ENDPA113KY_062014_1.pdf

3 Extended Non-OwnedCoverage for NamedIndividual A-16

ENDA16 6-2014 END Replaced Previous FilingNumber:Replaced FormNumber:

INN02 (2-2008)

ENDA16_062014_1.pdf

4 Additional Insured - LessorA32A

ENDA32A 12-2000 END Replaced Previous FilingNumber:Replaced FormNumber:

AK673 12-2000

ENDA32A_122000_1.pdf

5 Camper Body CoverageA74


IK679 8-88

ENDA74_081988_1.pdf

6 Additional Insured A75 ENDA75 8-1998 END Replaced Previous FilingNumber:Replaced FormNumber:

IK680 8-88

ENDA75_081988_1.pdf

7 Additional Named InsuredA76


INN03 (4-2007)

ENDA76_042007_1.pdf

8 Personal Effects CoverageA80


INN04 2-2008

ENDA80_022008_1.pdf

9 Miscellaneous TypeVehicle EndorsementA158

ENDA158KY

6-2014 END Replaced Previous FilingNumber:Replaced FormNumber:

INN07O 2-2008

ENDA158KY_062014_1.pdf







Item

No.

Schedule Item

Status

Form

Name

Form

Number

Edition

Date

Form

Type

Form

Action

Action Specific

Data

Readability

Score Attachments10 Covered Property

Endorsement A159 SCENDA159 1-2009 END Replaced Previous Filing


CK817O 10-2011

ENDA159_012009_1.pdf

11 Coverage for Damage toYour Auto A160


INN08 2-2008

ENDA160_032011_1.pdf

12 Snowmobile Endorsement- A 161


INN09 2-2008

ENDA161_062014_1.pdf

13 Cancellation PrivilegeA163


IK823 1-92

ENDA163_011992_1.pdf

14 Antique, Classic or SpecialInterest Vehicle RestrictedUse A164


IK828 2-92

ENDA164_021992_1.pdf

15 Agreed Value A165 ENDA165 4-2007 END Replaced Previous FilingNumber:Replaced FormNumber:

AK829M 4-2007

ENDA165_042007_1.pdf

16 Basic Personal InjuryProtection Coverage A178


AK1095O 6-2002

ENDA178_062002_1.pdf

17 Additional Personal InjuryProtection Coverage A179


IK1096O 7-2001

ENDA179_072001_1.pdf

18 Identity Theft CoverageA538


IK1200 2-2006

ENDA538_022006_1.pdf

19 Exclusion of NamedPerson(s) from AllVehicles B137

ENDB137 8-2005 END Replaced Previous FilingNumber:Replaced FormNumber:

IK916O 12-1997

ENDB137KY_121997_1.pdf







Item

No.

Schedule Item

Status

Form

Name

Form

Number

Edition

Date

Form

Type

Form

Action

Action Specific

Data

Readability

Score Attachments20 Loan/Lease Gap

Coverage B152ENDB152 12-2000 END Replaced Previous Filing


IK1086 12-2000

ENDB152_122000_1.pdf

21 Loss Settlement-OriginalEquipment ManufacturerParts PA101

ENDPA101 10-2013 END New 51.800 ENDPA101_102013_1.pdf

22 Personal Auto DeductibleWaiver PA105

ENDPA105 10-2013 END New 47.300 ENDPA105_102013_1 New.pdf

23 Personal Auto MobileDevices Coverage PA107


24 Personal Auto Pet InjuryCoverage PA108


25 Personal Auto New AutoReplacement Cost PA109


26 Personal Auto Towing andLabor Costs PA110


27 Personal Auto RentalReimbursement/Transportation Expenses CoveragePA111


28 Important Notice HigherLimits Available

NOT0023KY

6-1990 DSC Replaced Previous FilingNumber:Replaced FormNumber:

NOT0023KY_061990_1.pdf

29 Important Notice CreditUsage

NOT0024KY

5-2012 DSC Replaced Previous FilingNumber:Replaced FormNumber:

NOT0024KY_052012_1.pdf

30 Declarations Page DEC0001 4-2013 DEC Replaced Previous FilingNumber:Replaced FormNumber:

FA241D 1-2009

KY PA3 dec forfiling.pdf

31 Rating Information Page RAT0001 9-2011 DEC Replaced Previous FilingNumber:Replaced FormNumber:

PAKYRTA

PA3 RatingPage.pdf







Item

No.

Schedule Item

Status

Form

Name

Form

Number

Edition

Date

Form

Type

Form

Action

Action Specific

Data

Readability

Score Attachments32 Application GW0001K

Y9-2013 ABE Replaced Previous Filing


GW_App_KY_PA3_Agent_TaxCode_output.pdf

33 Cancellation Notice UBSC0001 CNR Replaced Previous FilingNumber:Replaced FormNumber:

KY PA3UBSC0001NP.pdf

34 Mid Term Notice ofCancellationfor NSF/DSF

UBSCX0001

CNR Replaced Previous FilingNumber:Replaced FormNumber:

KY PA3UBSCX0001.pdf

35 Void at Inception Notice UBSV0001 CNR Replaced Previous FilingNumber:Replaced FormNumber:

KY PA3UBSV0001Void.pdf

36 Lapse Notice UBSL0001 CNR Replaced Previous FilingNumber:Replaced FormNumber:

KY PA3UBSL0001NP.pdf

37 Audio/Visual EquipmentEndorsement A151

INN05 4-2007 END Withdrawn Previous FilingNumber:Replaced FormNumber:

INN05_022009Withdraw.pdf

38 Personal Auto PlusEndorsement - A 154KY

BK721O 3-2008 END Withdrawn Previous FilingNumber:Replaced FormNumber:

BK721O_032008Withdraw.pdf

Form Type Legend:ABE Application/Binder/Enrollment ADV Advertising

BND Bond CER Certificate

CNR Canc/NonRen Notice DEC Declarations/Schedule

DSC Disclosure/Notice END Endorsement/Amendment/Conditions

ERS Election/Rejection/Supplemental Applications OTH Other







Grange Property & Casualty Insurance Company

671 South High Street • Columbus, OH 43206-1066

A Stock Company Wholly-Owned by

Grange Mutual Casualty Company

Personal Auto

Policy

Kentucky

ENN01O (07-2012)

Grange Property & Casualty Insurance Company -- Personal Auto

ENN01O (07-2012)

THIS PAGE

INTENTIONALLY

LEFT BLANK.

Jacket - 2 (KY)


PERSONAL AUTO POLICY COVER SHEET

This Personal Auto Policy Cover Sheet identifies the important forms that make up your Personal Automobile

insurance policy. Your Personal Automobile insurance policy is a legal contract between you and Grange

Property & Casualty Insurance Company and consists of the following forms:

Declarations Page

This is the form which shows your coverages, amounts of insurance, premium charges, risk characteristics,

and any endorsements that modify your policy or provide you with additional coverages.

Endorsements

Endorsements that modify your coverage may be included with your Personal Auto Policy - Kentucky. If so,

they will be listed on your Declarations Page.

Please read your Declarations Page, Personal Auto Policy - Kentucky Form, and any endorsements

included with your policy carefully.

ENN01OK (07-2012)

Policy Form/Section Page Numbers Form Number Edition Date

Personal Auto Policy - Kentucky

Policy Jacket ENN01O (07-2012)

Cover Sheet Cover - 1 and 2 ENN01OK (07-2012)

Index Index - 1 and 2 BNN01OI (10-2011)

Definitions Definitions - 1 and 2 INN01OJ (03-2008)

Part A - Liability Coverage A - 1 through A - 6 CNN01OA (06-2009)

Part B - Medical Payments Coverage B - 1 through B - 4 ANN01OB (10-2011)

Part C - Uninsured Motorists Coverage C - 1 through C - 3 ANN01OC (06-2009)

Part C - Underinsured Motorists Coverage C - 3 and C - 4 ANN01OC (06-2009)

Part D - Coverage For Damage To Your Auto D - 1 through D - 8 BNN01OD (10-2011)

Part E - Duties After An Accident Or Loss E - 1 and E - 2 BNN01OE (10-2011)

Part F - General Provisions F - 1 through F - 6 CNN01OF (07-2012)

Cover - 1 (KY)


ENN01OK (07-2012)

THIS PAGE

INTENTIONALLY

LEFT BLANK.

Cover - 2 (KY)


BNN01OI (10-2011)

Your Personal Auto insurance policy is an important legal contract between you and Grange Property &

Casualty Insurance Company.

PLEASE READ YOUR POLICY CAREFULLY. The policy sets forth, in detail, the rights and obligations of both

you and Grange Property & Casualty Insurance Company. IT IS THEREFORE IMPORTANT THAT YOU READ

YOUR POLICY.

The following Index identifies the major provisions of your policy and the page numbers where these provisions

are located in the policy form. Amendatory or optional coverage endorsements may be attached to your policy to

modify these provisions or provide you with additional coverage(s).

THESE POLICY PROVISIONS WITH THE DECLARATIONS PAGE AND ENDORSEMENTS, IF ANY,

COMPLETE THIS POLICY.

INDEX

Subject Beginning

On Page

Agreement ........................................................................................................................ Definitions - 1

Definitions ....................................................................................................................... Definitions - 1

Part A - Liability Coverage

Exclusions ......................................................................................................................... A - 1

Financial Responsibility ....................................................................................................... A - 4

Insuring Agreement ............................................................................................................. A - 1

Limit of Liability .................................................................................................................. A - 4

Other Insurance .................................................................................................................. A - 4

Out of State Coverage ......................................................................................................... A - 4

Supplementary Payments .................................................................................................... A - 1

Part B - Medical Payments Coverage

Disputes Regarding Expenses............................................................................................... B - 3

Exclusions ......................................................................................................................... B - 1

Insuring Agreement ............................................................................................................. B - 1

Limit of Liability .................................................................................................................. B - 3

Other Insurance .................................................................................................................. B - 4

Part C - Uninsured Motorists Coverage

Arbitration .......................................................................................................................... C - 2

Excluded Motor Vehicles ..................................................................................................... C - 1

Exclusions ......................................................................................................................... C - 1

Insuring Agreement ............................................................................................................. C - 1

Limit of Liability .................................................................................................................. C - 2

Other Insurance................................................................................................................... C - 2

Part C - Underinsured Motorists Coverage

Arbitration .......................................................................................................................... C - 4

Excluded Motor Vehicles ..................................................................................................... C - 3

Exclusions ......................................................................................................................... C - 3

Insuring Agreement ............................................................................................................. C - 3

Limit of Liability .................................................................................................................. C - 3

Other Insurance................................................................................................................... C - 4

Index - 1 (KY)


BNN01OI (10-2011)

INDEX

Subject Beginning

On Page

Part D - Coverage For Damage To Your Auto

Appraisal ........................................................................................................................... D - 6

Exclusions ......................................................................................................................... D - 2

Insuring Agreement ............................................................................................................. D - 1

Limit of Liability .................................................................................................................. D - 5

Loss Payable Clause ........................................................................................................... D - 7

No Benefit to Bailee ............................................................................................................ D - 6

Other Sources of Recovery .................................................................................................. D - 6

Payment of Loss ................................................................................................................. D - 6

Transportation Expenses ..................................................................................................... D - 2

Part E - Duties After An Accident Or Loss ................................................................................ E - 1

Part F - General Provisions

Additional Policy Coverages

Towing and Labor Costs ................................................................................................. F - 5

Rental Reimbursement/Transportation Expenses .............................................................. F - 5

Bankruptcy ......................................................................................................................... F - 1

Changes ............................................................................................................................ F - 1

Conformity to State Law ...................................................................................................... F - 2

Fees .................................................................................................................................. F - 5

Fraud ................................................................................................................................ F - 2

Known Loss ........................................................................................................................ F - 4

Legal Action Against Us ....................................................................................................... F - 2

Misrepresentations ............................................................................................................. F - 1

Our Right to Recompute Premium ........................................................................................ F - 4

Our Right to Recover Payment.............................................................................................. F - 2

Our Right to Use Other Resources ........................................................................................ F - 5

Payment of Premium .......................................................................................................... F - 2

Policy Period, Territory, and Interpretation ............................................................................. F - 3

Termination ........................................................................................................................ F - 3

Transfer of Your Interest in This Policy .................................................................................. F - 4

Two or More Auto Policies ................................................................................................... F - 4

Index - 2 (KY)


INN01OJ (03-2008)

Definitions - 1 (KY)

AGREEMENT

In return for payment of the premium and subject to all

the terms of this policy, we agree with you as follows:

DEFINITIONS

The terms defined below have the following meaning

when they appear in bold type throughout this policy,

whether in the singular, plural or possessive:

A. "You" and "Your" refer to the named insured,

which includes all individuals named on the Decla-

rations Page, and that person's spouse if a resi-

dent of the same household.

If the spouse ceases to be a resident of the same

household during the policy period or prior to the

inception of this policy, the spouse will be consid-

ered "you" and "your" under this policy but only

until the earlier of:

1. The end of 90 days following the spouse's

change of residency;

2. The effective date of another policy listing the

spouse as a named insured; or

3. The end of the policy period.

B. "We", "us" and "our" refer to Grange Property &

Casualty Insurance Company.

C. "Bodily injury" means bodily harm, sickness or

disease, including death resulting therefrom.

D. "Business" includes trade, profession, or

occupation.

E. "Family member" means a person related to you

by blood, marriage or adoption and whose principal

residence is at the location shown on the Declara-

tions Page.

F. "Occupying" means in, upon, getting in, on, out or

off.

G. "Owned" and "Own" mean the person:

1. Has legal title;

2. Has possession under a written lease agree-

ment for a continuous period of at least 6

months; or

3. Has possession subject to a lien or security

agreement.

H. "Property damage" means physical injury to, de-

struction of, or loss of use of tangible property.

I. "Trailer" means a vehicle designed to be pulled by

a:

1. Private passenger auto; or

2. Pickup or van.

It also means a farm wagon or farm implement

while towed by a vehicle listed in 1. or 2.

above.

J. "Your covered auto" means:

1. Any vehicle shown on the Declarations Page.

2. Any of the following types of vehicles, acquired

during the policy period, on the date you be-

come the owner:

a. a private passenger auto; or

b. a pickup or van for which no other insur-

ance provides coverage and that has a

Gross Vehicle Weight of less than 12,000

lbs. according to the manufacturer's

specifications.

If the vehicle you acquire replaces one shown on

the Declarations Page, you must ask us to insure

that replacement vehicle within 30 days after you

become the owner. Until you notify us, within that

30 day period, the replacement vehicle will have

the same coverage as the vehicle it replaced.

If the vehicle you acquire is in addition to any

shown on the Declarations Page, you must ask us

to insure that additional vehicle within 30 days after

you become the owner. Until you notify us, within

that 30 day period, the additional vehicle will have

the broadest coverage limits we now provide for

any vehicle shown on the Declarations Page.

Changes to the policy resulting from additional or

replacement vehicles, which you ask us to insure

within 30 days of becoming the owner, will be

made effective on the date you became the

owner.

Changes to the policy resulting from additional or

replacement vehicles, which you ask us to insure

on or after 30 days of becoming the owner, will be

effective on the date you first notify us.

3. Any trailer you own.


INN01OJ (03-2008)

Definitions - 2 (KY)

4. Any auto or trailer you do not own that is

not in excess of 12,000 lbs. Gross Vehicle

Weight, while used as a temporary substi-

tute for any other vehicle described in this

definition which is out of normal use be-

cause of its:

a. breakdown;

b. repair;

c. servicing;

d. loss; or

e. destruction.

This provision (J.4.) does not apply to

Coverage for Damage to Your Auto.


CNN01OA (06-2009)

A - 1 (KY)

PART A - LIABILITY COVERAGE

Insuring Agreement

A. Subject to the limit of liability, if you pay the

premium when due, we will pay compensatory

damages for bodily injury or property damage

for which any insured becomes legally responsible

because of an auto accident. Damages include

pre-judgment interest awarded against the

insured. We will settle or defend, as we consider

appropriate, any claim or suit asking for these

damages. In addition to our limit of liability, we pay

all defense costs we incur. We reserve the right to

recover from any party to whom we have provided

a defense, any defense costs incurred by us

should a court of competent jurisdiction conclude

that we had no duty to provide a defense to that

party. Our duty to settle or defend ends when our

limit of liability for this coverage has been

exhausted by payment of judgment or settlements.

We have no duty to defend any suit or settle any

claim for bodily injury or property damage not

covered under this policy.

B. "Insured" as used in this part means:

1. You or any family member for the ownership,

maintenance or use of any auto or trailer.

2. Any person using your covered auto.

3. For any auto or trailer, other than your

covered auto, any person or organization but

only with respect to legal responsibility for acts

or omissions of you or any family member for

whom coverage is afforded under this Part.

This provision (B.3.) applies only if the person

or organization does not own or hire the auto

or trailer.

However, "insured" as used in this Part does not

include the following:

1. The United States of America or any of its

agencies.

2. Any person with respect to bodily injury or

property damage resulting from the operation

of an auto by that person while acting within

the scope of their office or employment of the

United States Government as an employee.

This applies only if the provisions of Section

2679 of Title 28, United States Code as

amended, require the Attorney General of the

United States to defend that person in any civil

action which may be brought for the bodily

injury or property damage.

Supplementary Payments

In addition to our limit of liability, at our insured's

request, we will pay on behalf of an insured:

1. Up to $500 for the cost of bail bonds required

because of an accident, including related

traffic law violations. The accident must result

in bodily injury or property damage covered

under this policy. We are not required to apply

for or furnish these bonds.

2. Premiums on appeal bonds and bonds to

release attachments in any suit we defend,

provided such bonds shall not exceed our limit

of liability. We are not required to apply for or

furnish these bonds.

3. Interest accruing after a judgment is entered in

any suit we defend. Our duty to pay interest

ends when we offer to pay that part of the

judgment which does not exceed our limit of

liability for this coverage.

4. All reasonable expenses incurred by the

insured at our request to assist us in the

investigation or defense of a lawsuit, including

actual loss of earnings up to $200 a day

because of time off from work for attendance

at hearings or trials.

5. Other reasonable expenses incurred at our

request.

Exclusions

A. We do not provide Liability Coverage for any

person:

1. Who intentionally causes or directs another to

cause the bodily injury or property damage.

2. For property damage to property owned or

being transported by that person.

3. For property damage to property:

a. rented to;

b. used by; or


CNN01OA (06-2009)

A - 2 (KY)

c. in the care of that person.

This exclusion (A.3.) does not apply to

property damage to a residence or private

garage.

4. For bodily injury to an employee of that

person during the course of employment. This

exclusion (A.4.) does not apply to bodily

injury to a domestic employee unless workers'

compensation benefits are required or

available for that domestic employee.

5. For that person's liability arising out of the

ownership or operation of a vehicle while it is

being used to carry persons or property for

compensation or a fee, or otherwise available

for hire. This exclusion (A.5.) does not apply to

a share-the-expense car pool.

6. While employed or otherwise engaged in the

business of:

a. selling;

b. repairing;

c. servicing;

d. storing;

e. parking; or

f. washing;

vehicles designed for use mainly on public

highways. This includes road testing and

delivery. This exclusion (A.6.) does not apply

to the ownership, maintenance or use of your

covered auto by;

a. you;

b. any family member; or

c. any partner, agent or employee of you or

any family member.

7. Maintaining or using any vehicle while that

person is employed or otherwise engaged in

any business (other than farming or ranching)

not described in Exclusion A.6. This exclusion

(A.7.) does not apply to the maintenance or

use of a:

a. private passenger auto;

b. pickup or van that you own; or

c. trailer used with a vehicle described in

(a.).

8. Using a vehicle without a reasonable belief

that that person is entitled to do so. This

exclusion (A.8.) does not apply to a family

member using your covered auto which is

owned by you.

9. For bodily injury or property damage for

which that person:

a. is an insured under a nuclear energy

liability policy; or

b. would be an insured under a nuclear

energy liability policy but for its termination

upon exhaustion of its limit of liability.

A nuclear energy liability policy is a policy

issued by any of the following or their

successors:

a. Nuclear Energy Liability Insurance

Association;

b. Mutual Atomic Energy Liability

Underwriters; or

c. Nuclear Insurance Association of Canada.

10. For bodily injury or property damage caused

by your covered auto when it is driven,

operated or used with your permission by a

person other than a family member whom you

know:

a. is under the minimum age to obtain a

driver's license;

b. does not have a valid driver's license;

c. has a suspended driver's license;

d. has a revoked driver's license; or


CNN01OA (06-2009)

A - 3 (KY)

e. has a restricted driver's license and is

operating a vehicle beyond the scope of

such restriction.

This exclusion (A.10.) does not apply when it

is not required for a person to obtain a driver's

license to operate your covered auto.

11. For bodily injury or property damage caused

by, or reasonably expected to result from, a

criminal act or omission of an insured. This

exclusion applies regardless of whether that

insured is actually charged with, or convicted

of, a crime. For purposes of this exclusion,

criminal acts or omissions do not include traffic

violations.

12. For any liability assumed under any contract or

agreement by you or a family member.

B. We do not provide Liability Coverage for the

ownership, maintenance, or use of:

1. Any motorized vehicle having fewer than four

wheels or designed mainly for use off public

roads. However, this exclusion (B.1.) does not

apply to any insured using:

a. any trailer; or

b. any non-owned golf cart.

2. Any vehicle, other than your covered auto,

which is:

a. owned by you; or

b. furnished or available for your regular use.


which is;

a. owned by any family member; or

b. furnished or available for the regular use

of any family member.

However, this exclusion (B.3.) does not apply

to you while you are maintaining or

occupying any vehicle which is:

a. owned by a family member; or


of a family member.

4. Any vehicle, for the purpose of:

a. competing in; or

b. practicing or preparing for;

any prearranged or organized racing, or

involvement in any hill climb, demolition,

stunting or speed contest.


which:

a. is not of the private passenger auto,

pickup body, or cargo van type: and

b. has a Gross Vehicle Weight of 12,000 lbs.

or more according to the manufacturer's

specifications.

C. Even if excluded in the policy the following items

will be covered for persons insured by the policy to

the extent of the minimum required tort liability and

basic reparation benefits insurance required by

KRS Chapter 304.39:

1. Intentional acts.

2. Punitive damages to the extent that the total

amount for compensatory and punitive

damages combined does not exceed the per

person or per occurrence liability limits of the

policy.

3. Use of the automobile described in the policy

by anyone when the automobile is used in an

automobile business owned by the insured.

4. Damage to the environment or damage

caused by nuclear materials.

5. Use of the automobile described in the policy

to carry persons for hire.

6. Damage to the property of others in the care,

custody, and control of the insured for which

the insured might be found legally liable.


CNN01OA (06-2009)

A - 4 (KY)

7. Use of the automobile by an employee of the

United States Government in the course of

duty.

8. Business use of the automobile described in

the policy when this use is within uses

acceptable in the insurer's underwriting

guidelines for private passenger automobiles.

Limit of Liability

A. The limit of liability shown on the Declarations

Page for "each person" for Bodily Injury Liability is

our maximum limit of liability for all damages due

to a bodily injury, including damages for care,

loss of services, loss of consortium, loss of

companionship or death, arising out of bodily

injury sustained by any one person in any one

auto accident. Subject to this limit for "each

person", the limit of liability shown on the

Declarations Page for "each accident" for Bodily

Injury Liability is our maximum limit of liability

under this coverage for all damages for bodily

injury resulting from any one accident. The limit of

liability shown on the Declarations Page for "each

accident" for Property Damage Liability is our

maximum limit of liability under this coverage for all

property damage resulting from any one auto

accident.

These limits are the most we will pay regardless of

the number of:

1. Insureds;

2. Claimants or injured persons;

3. Claims made;

4. Vehicles or premiums shown on the

Declarations Page; or

5. Vehicles involved in the auto accident.

B. We will apply the limit of liability to provide any

separate limits required by law for bodily injury

and property damage liability. However, this

provision (B.) will not change our total limit of

liability.

C. No one will be entitled to receive duplicate

payments under this policy for the same elements

of damages.

D. To the extent that the limits of liability for this

coverage exceed the limits of liability required by

the Kentucky Motor Vehicle Reparations Act,

damages payable under this coverage are

compensatory damages; they do not include

punitive or exemplary damages.

Out of State Coverage

If an auto accident to which this policy applies occurs

in any state or province other than the one in which

your covered auto is principally garaged, we will

interpret the bodily injury liability and property

damage liability coverage of your policy for that

accident as follows:

A. If the state or province has:

1. A financial responsibility or similar law

requiring limits of liability for bodily injury or

property damage higher than the Liability

Coverage limit shown on the Declarations

Page, your policy will provide the higher

specified limit.

2. A compulsory bodily injury liability or

property damage liability insurance or similar

law requiring a nonresident to maintain liability

insurance whenever the nonresident uses a

vehicle in that state or province, your policy

will provide at least the required minimum

amounts of bodily injury or property damage

liability coverages.

B. No one will be entitled to duplicate payments for

the same elements of loss.

Financial Responsibility

When this policy is certified as future proof of financial

responsibility, this policy shall comply with the law to

the extent required.

Other Insurance

If there is other applicable liability insurance we will pay

only our share of the loss. Our share is the proportion

that our limit of liability bears to the total of all

applicable limits.

Any insurance we provide for a vehicle you do not

own, including any vehicle while used as a temporary

substitute for your covered auto, shall be excess over

any other collectible insurance or self-insurance

whether primary, excess or contingent. However, any


CNN01OA (06-2009)

A - 5 (KY)

insurance we provide for a vehicle you do not own

shall be primary if:

1. Such vehicle is loaned by a person, firm or

corporation engaged in the business of selling,

repairing and servicing motor vehicles;

2. Such vehicle is used as a temporary substitute for

your covered auto which is out of normal use

because of its breakdown, repair or servicing, and

3. The bodily injury or property damage results

from an auto accident caused by the negligence of

you or any family member.


CNN01OA (06-2009)

THIS PAGE

INTENTIONALLY

LEFT BLANK.

A - 6 (KY)


ANN01OB (10-2011)

B - 1 (KY)

PART B - MEDICAL PAYMENTS COVERAGE

Insuring Agreement

A. Part B - Medical Payments Coverage is provided

where a premium is shown on the Declarations

Page for the vehicle and coverage. Subject to the

Limits of Liability shown on the Declarations Page

for Part B - Medical Payments Coverage, if you

pay the premium when due, we will pay reason-

able expenses incurred by the insured for neces-

sary medical and funeral services because of

bodily injury:

1. Caused by an auto accident; and

2. Sustained by an insured.

We pay only those expenses incurred within 1 year

from the date of the accident.

B. We have the right to utilize outside sources,

vendors, experts, consultants and software tools of

our choosing to review the medical expense invoi-

ces and medical treatment records to assist us in

determining, among other things, if the expenses

and treatment are reasonable and necessary.

C. "Insured" as used in this Part B - Medical Pay-

ments Coverage 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 your cov-

ered auto.

D. "Reasonable" as used in this Part, means ex-

penses that are consistent with the usual charges

of the majority of similar medical providers in the

geographic area in which the expenses were in-

curred for the specific medical service.

E. "Necessary" as used in this Part, means services

that are rendered by a medical provider within the

legally authorized scope of the provider's practice

and are recognized within that practice as being

appropriate treatment in achieving maximum medi-

cal improvement for the bodily injury sustained in

the accident.

Exclusions

We do not provide any coverage under this Part B -

Medical Payments Coverage for any insured for bod-

ily injury:

1. Sustained while occupying any vehicle having

fewer than four wheels.

2. Sustained while occupying your covered

auto when it is being used to carry persons or

property for compensation or a fee, or other-

wise available for hire. This exclusion (2.) does

not apply to your covered auto under this

Part B - Medical Payments Coverage while

used in a share-the- expense car pool.

3. Sustained while occupying any vehicle being

used as a residence or premises.

4. Occurring during the course of employment if

benefits are payable, required to be provided,

or available for the bodily injury under a

workers' compensation or disability benefits

law or any similar law.

5. Sustained while occupying, or when struck

by, any vehicle (other than your covered

auto) which is:

a. owned by you; or

b. furnished or available for your regular use.

6. Sustained while occupying, or when struck

by, any vehicle other than your covered auto

which is:

a. owned by any family member; or


of any family member.

However, this exclusion (6.) does not apply to

you.

7. Sustained while occupying a vehicle other

than your covered auto without the express

or implied permission of the owner, or if the

use exceeds the scope of that permission.


ANN01OB (10-2011)

B - 2 (KY)

8. Sustained by someone other than you or a

family member while occupying your cov-

ered auto without express or implied permis-

sion from you or a family member, or if the

use exceeds the scope of that permission.

9. Sustained while occupying a vehicle when it

is being used in the business of an insured.

This exclusion (8.) does not apply to bodily

injury sustained while occupying a:

a. private passenger auto;

b. pickup or van; or

c. trailer used with a vehicle described in a.

or b. above.

10. Caused by or as a consequence of:

a. discharge of nuclear device (even if

accidental);

b. war (declared or undeclared);

c. civil war;

d. insurrection; or

e. rebellion or revolution.

11. From or as a consequence of the following,

whether controlled or uncontrolled, or however

caused:

a. nuclear reaction;

b. radiation; or

c. radioactive contamination.

12. From or as a consequence of fungus, mold,

mildew or spores, regardless of the factors

causing or contributing to its growth.

13. Sustained while occupying any vehicle, for

the purpose of:

a. participating in; or


any prearranged, organized or spontaneous

race, speed, hill climb, demolition, or stunting

activity.

14. Sustained while occupying any vehicle being

operated on a driving track in a facility de-

signed for racing vehicles.

15. Caused by, or reasonably expected to result

from, a criminal act or omission of an insured.

This exclusion applies regardless of whether

that insured is actually charged with, or con-

victed of, a crime. For purposes of this

exclusion, criminal acts or omissions do not

include traffic violations.

16. Sustained out of the ownership, maintenance

or use of any vehicle while rented, loaned or

leased to others or given in exchange for any

compensation by an insured.

17. Intentionally caused by an insured, or at the

direction of an insured, even if the actual in-

jury or damage is different than that which was

intended or expected.

18. Sustained out of an accident involving a ve-

hicle while being maintained or used by an

insured while engaged in any auto business

operations, but this exclusion (A. 18.) does not

apply to the ownership, maintenance or use of

your covered auto in auto business opera-

tions by you, a family member, or any

partner, agent or employee of you or a family

member.

19. Caused by or arising from the transmission of

a sexually transmitted disease by an insured.

20. Caused by or arising out of the involvement of

an insured in sexual molestation or any sex-

ual activity, corporal punishment, physical or

mental abuse, harassment, including sexual

harassment, whether actual, alleged or

threatened.

21. Caused by or arising out of the use, sale,

manufacture, delivery, transfer or possession

by any person of a Controlled Substance(s) as

defined by the Federal Food and Drug Law at

21 U.S.C.A. Sections 811 and 812. Controlled

Substances include but are not limited to

cocaine, LSD, marijuana and all narcotic

drugs. However, this exclusion does not apply

to the legitimate use of prescription drugs by a


ANN01OB (10-2011)

B - 3 (KY)

person following the orders of a licensed

physician.

22. Sustained while occupying or using a motor-

cycle or recreational motor vehicle. Recrea-

tional motor vehicle means any land motor

vehicle designed for recreational use off public

roads.

Limit of Liability


Page for this coverage is our maximum limit of

liability for each person injured in any one accident.

This is the most we will pay regardless of the num-

ber of:

1. Insureds;

2. Claims made;

3. Vehicles or premiums shown on the Declara-

tions Page; or

4. Vehicles involved in the accident.

B. We will pay under Part B - Medical Payments

Coverage, the lesser of:

1. reasonable expenses incurred by the insured

for necessary medical and funeral services

because of bodily injury; or

2. any negotiated reduced rate accepted by a

medical provider.

C. We do not owe payment to the insured or medical

provider for any balance bill received by the in-

sured if the medical provider has agreed to reduce

the charge for services after a review by us. We

may make payment under this coverage to the

insured or to the medical provider or on behalf of

the insured.

D. We will not pay for the same medical expense

under more than one coverage. If an insured is

entitled to recover for medical expenses under

Part B - Medical Payments Coverage, we will pay

for those expenses under that coverage. We will

not pay for those same expenses under Part A -

Liability Coverage or Part C - Uninsured Motorists

Coverage if an insured is entitled to recover these

expenses under Part B - Medical Payments

Coverage.

E. No payment will be made unless the injured per-

son or that person's legal representative agrees in

writing that any payment shall be applied toward

any settlement or judgment that person receives

under Part A - Liability or Part C - Uninsured Moto-

rists Coverage.

F. In no event will an insured be entitled to receive

duplicate payments for the same element of loss.

G. If the limit of liability shown on the Declarations

Page for Part B - Medical Payments Coverage is

more than $10,000, the most we will pay for any

funeral services or expense is $10,000 for each

person.

H. This coverage shall not apply directly or indirectly

to benefit any insurer or self-insurer. No insurer or

self-insurer will be subrogated to any right of re-

covery under this coverage.

We may make payment under this coverage to the

insured or to the medical provider on behalf of the

insured.

Disputes Regarding Expenses

A. If the insured does not agree with our determina-

tion that an expense is not reasonable, necessary,

or related to the automobile accident and wishes to

contest our decision, the insured may make a

written demand for arbitration. In this event, each

party shall select a competent and impartial

arbitrator. The two arbitrators shall select a third. A

decision agreed to by at least two of the arbitrators

will be binding on all parties.

B. Each party to the arbitration will:

1. Pay the expense it incurs;

2. Bear the expense of the third arbitrator equally.

However, should the arbitrators determine that our

determination was incorrect, we will pay all reasonable

costs related to the arbitration, including the expense

of all arbitrators.

Any arbitrations against us will be barred unless com-

menced within 180 days after the date you are advised

of our determination.


ANN01OB (10-2011)

B - 4 (KY)

Other Insurance

If there is other applicable auto medical payments in-

surance we will pay only our share of the expenses

incurred by the insured for medical and funeral

services. Our share is the proportion that our limit of

liability bears to the total of all applicable limits.

However, any insurance we provide with respect to a

vehicle you do not own, including any vehicle used as

a temporary substitute for your covered auto, shall be

excess over any other collectible auto insurance pro-

viding payments for medical or funeral expenses.


ANN01OC (06-2009)

C - 1 (KY)

PART C - UNINSURED MOTORISTS

COVERAGE

Insuring Agreement

A. Subject to the limit of liability, if you pay the premi-

um when due, we will pay damages which an in-

sured is legally entitled to recover from the owner

or operator of an uninsured motor vehicle be-

cause of bodily injury:

1. Sustained by an insured; and

2. Caused by accident.

The owner's or operator's liability for these dam-

ages must arise out of the ownership,

maintenance, or use of the uninsured motor

vehicle.

Any judgment for damages arising out of a suit

brought without our written consent is not binding

on us.

To the extent that the limits of liability for this cov-

erage exceed the limits of liability required by the

Kentucky Motor Vehicle Reparations Act, damages

payable under this coverage are compensatory

damages, they do not include punitive or exem-

plary damages.

B. "Insured" as used in the Part means:

1. You;

2. Any family member who does not own a mo-

tor vehicle;

3. Any other person while occupying your cov-

ered auto with a reasonable belief that that

person is entitled to do so.

C. Uninsured Motor Vehicle means a land motor

vehicle or trailer of any type:

1. To which no bodily injury liability bond or policy

applies at the time of the accident.

2. To which a liability bond or policy applies at the

time of the accident. In this case its limit for

bodily injury liability must be less than the

minimum limit for bodily injury liability speci-

fied by the financial responsibility law of the

state in which your covered auto is principally

garaged.

3. Which is a hit and run vehicle whose operator

or owner cannot be identified causing injury to

an insured.

4. To which a bodily injury liability bond or policy

applies at the time of the accident but the

bonding or insuring company:

a. denies coverage; or

b. is or becomes insolvent.

Excluded Motor Vehicles

However, uninsured motor vehicle does not include

any vehicle or equipment:

1. Owned by or furnished for the regular use of

you or any family member.

2. Owned or operated by a self-insurer under any

applicable motor vehicle law.

3. Owned by any governmental unit or agency.

4. Operated on rails or crawler treads.

5. Designed mainly for use off public roads while

not on public roads.

6. While located for use as a residence or

premises.

Exclusions

A. We do not provide Uninsured Motorists Coverage

for bodily injury sustained by any person:

1. While occupying or when struck by, any mo-

tor vehicle owned by, furnished to, or available

for the regular use of you or any family

member, a resident of your household, or any

driver listed on the Rating Information Page of

this policy, which is not insured for this cover-

age under this policy. This includes a trailer of

any type used with that vehicle.

2. If that person or legal representative settles

the bodily injury claim without our consent.


ANN01OC (06-2009)

C - 2 (KY)

3. While occupying your covered auto when it

is being used to carry persons or property for a

fee. This exclusion (A.3.) does not apply to a

share-the-expense car pool.

4. Using a vehicle without a reasonable belief

that that person is entitled to do so.

B. This coverage shall not apply directly or indirectly

to benefit any insurer or self-insurer under any of

the following or similar law:

1. worker's compensation law; or

2. disability benefits law.

Limit of Liability

A. The limit of liability shown in the Declarations for

"each person" for Uninsured Motorists Coverage is

our maximum limit of liability for all damages for

care, loss of services or death, arising out of bod-

ily injury sustained by any one insured in any one

auto accident.

Subject to this limit for "each person", the limit of

liability shown in the Declarations for "each

accident" for Uninsured Motorists Coverage is our

maximum limit of liability for all damages for bodily

injury sustained by two or more insureds result-

ing from any one accident.

This is most we will pay regardless of the number

of:

1. Insureds:

2. Claims made;


tions Page; or


B. The amount payable shall be reduced by all sums:

1. Paid because of bodily injury by or on behalf

of persons or organizations who may be legally

responsible.

This includes all sums paid under Part A of the

policy; and

2. Paid or payable because of bodily injury

under any of the following or similar law:

a. worker's compensation law; or

b. disability benefits law.

C. Any payment under this coverage will reduce any

amount that person is entitled to recover for the

same damages under Part A Liability Coverage of

this policy.

Other Insurance

If there is other applicable similar insurance we will pay


that our limit of liability bears to the total of all applica-

ble limits. However, any insurance we provide with re-

spect to a vehicle you do not own shall be excess over

any other collectible insurance.

Arbitration

If we and the insured do not agree:

1. Whether that person is legally entitled to dam-

ages from the owner or operator of an unin-

sured motor vehicle; or

2. As to the amount of damages:

both parties may agree to arbitration. In this event,

each party will select an arbitrator. The two arbitrators

will select a third. If they cannot agree within 30 days,

either may request that selection be made by a judge

of a court having jurisdiction.

Each party will:

1. Pay the expenses it incurs; and

2. Bear the expenses of the third arbitrator

equally.

Unless both parties agree otherwise, arbitration will

take place in the county in which the insured lives.

Local rules of law as to procedure and evidence will

apply. A decision agreed to by two of the arbitrators will

be binding.

No questions as to whether your loss is covered by

this policy will be submitted to arbitration.


ANN01OC (06-2009)

C - 3 (KY)

So long as the insured has not prejudiced our right of

subrogation, any suit against us will be barred unless

commenced within 2 years (TWO YEARS) after the

date of the accident causing the bodily injury,

sickness, disease or death, or within one year after the

liability insurer for the owner or operator of the motor

vehicle liable to the insured has become the subject of

insolvency proceedings in any state, whichever is later.

PART C - UNDERINSURED MOTORISTS

COVERAGE

Your policy provides the following additional coverage

if a specific charge for such coverage(s) is indicated on

the Declarations Page.

Insuring Agreement

A. We will pay damages which an insured is legally

entitled to recover for an underinsured motorist

because of bodily injury:

1. Sustained by an insured; and

2. Caused by a motor vehicle accident.

We must be notified at least 30 days before any

settlement, trial or judgment with or against the

tortfeasor.

To the extent that the limits for this coverage ex-

ceed the limits of liability required by the Kentucky

Motor Vehicle Reparations Act damages payable

under this coverage are compensatory damages,

they do not include punitive or exemplary

damages.

B. "Insured" as used in this endorsement means you

or any family member.

C. "Underinsured Motorists" means a party with

motor vehicle liability insurance coverage in an

amount less than a judgment recovered against

that party for damages on account of injury due to

a motor vehicle accident.

Excluded Motor Vehicles

However, "underinsured motorist" does not in-

clude anyone using a motor vehicle that is:

1. Owned or operated by a self-insurer under any

applicable motor vehicle law.

2. Owned by any governmental unit or agency.

3. Operated on rails or crawler treads.

4. Designed mainly for use off public roads, while

not on public roads.

5. Located for use as a residence or premises.

6. A vehicle to which a bodily injury bond or policy

applies at the time of the accident but the

bonding or insuring company:

a. denies coverage; or

b. is or becomes insolvent.

7. Owned by or furnished or available for the reg-

ular use of you or any family member.

Exclusions

A. We do not provide Underinsured Motorist Cover-

age for bodily injury sustained by any insured

while occupying any motor vehicle owned by you

or any family member that is not insured for this

coverage under this policy.

B. This coverage shall not apply directly or indirectly

to benefit any insurer or self-insurer under any of

the following or similar law:

1. workers' compensation law; or


Limit of Liability


Page for "each person" for Underinsured Motorists

Coverage is our maximum limit of liability for all

damages, including damages for care, loss of

services or death, arising out of bodily injury sus-

tained by any one insured in any one motor ve-

hicle accident.

Subject to this limit for "each person", the limit of

liability shown on the Declarations Page for "each

accident" for Underinsured Motorists Coverage is

our maximum limit of liability for all damages for

bodily injury sustained by two or more insureds

resulting from any one motor vehicle accident.


ANN01OC (06-2009)

C - 4 (KY)

This is the most we will pay regardless of the num-

ber of:

1. Insureds:

2. Claims made;


tions Page; or


B. Subject to our limit of liability, the judgment ren-

dered on behalf of the insured or the settlement

agreed upon by all parties will be reduced by all

sums payable on behalf of the underinsured

motorist.

C. The amount payable shall be reduced by all sums

paid or payable because of the bodily injury

under any of the following or similar law:

1. workers' compensation law; or


Other Insurance

If there is other applicable similar insurance we will pay


that our limit of liability bears to the total of all applica-

ble limits. However, any insurance we provide with re-

spect to a vehicle you do not own shall be excess over

any other collectible insurance.

Arbitration

If we and an insured do not agree:

1. Whether that person is legally entitled to dam-

ages from the owner or operator of an under-

insured motor vehicle; or

2. As to the amount of damages:

both parties may agree to arbitration. In this event,

each party will select an arbitrator. The two arbitrators

will select a third. If they cannot agree within 30 days,

either may request that selection be made by a judge

of a court having jurisdiction.

Each party will:

1. Pay the expenses it incurs; and

2. Bear the expenses of the third arbitrator

equally.

Unless both parties agree otherwise, arbitration will

take place in the county in which the insured lives.

Local rules of law as to procedure and evidence will

apply. A decision agreed to by two of the arbitrators will

be binding.

No questions as to whether your loss is covered by

this policy will be submitted to arbitration.

So long as the insured has not prejudiced our right of

subrogation, any suit against us will be barred unless

commenced within 2 years (TWO YEARS) after the

date of the accident causing the bodily injury,

sickness, disease or death, or within one year after the

liability insurer for the owner or operator of the motor

vehicle liable to the insured has become the subject of

insolvency proceedings in any state, whichever is later.


BNN01OD (10-2011)

D - 1 (KY)

PART D - COVERAGE FOR DAMAGE TO

YOUR AUTO

Insuring Agreement

A. Subject to the limit of liability, if you pay the

premium when due, we will pay for sudden, direct

and accidental loss to your covered auto or any

non-owned auto, including its equipment,

reduced by the applicable deductible shown on the

Declarations Page. We will pay for loss to your

covered auto caused by:

1. Other than Collision if the Declarations Page

indicates that Other Than Collision Coverage

is provided for that auto.

2. Collision if the Declarations Page indicates

that Collision is provided for that auto.

If there is a loss to a non-owned auto, we will

provide the broadest coverage applicable to any of

your covered autos shown on the Declarations

Page.

We will not subtract the deductible amount if:

1. your covered auto collides with another

motor vehicle insured by us or an insurer that

is a subsidiary of Grange Mutual Casualty

Company or affiliate of ours.

2. your covered auto is involved in a loss that

results in the vehicle's safety equipment

being repaired or replaced.

B. "Collision" means the upset of your covered

auto or a non-owned auto or their impact with

another vehicle or object.

Loss caused by Other Than Collision includes,

but is not limited to:

1. Missiles or falling objects;

2. Fire;

3. Theft or larceny;

4. Explosion or earthquake;

5. Windstorm;

6. Malicious mischief or vandalism;

7. Hail, water or flood;

8. Riot or civil commotion;

9. Contact with bird or animal; or

10. Breakage of glass.

If breakage of glass is caused by a collision, you

may elect to have it considered a loss by collision.

C. "Non-owned auto" means:

1. Any private passenger auto, pickup or trailer

not owned by or furnished to, or available for

the regular use of, you or any family member

while in the custody of or being operated by

you or any family member with the

permission of its owner; or

2. Any auto or trailer while used as a temporary

substitute for your covered auto which is out

of normal use because of:

a. breakdown;

b. repair;

c. servicing;

d. loss; or

e. destruction.

Nonowned auto does not include any vehicle

which requires an operator to obtain a special

license, other than the standard driver's

license issued to operate your covered auto,

in order to legally operate the vehicle. This

applies regardless if the operator has actively

obtained or possesses such license.

3. Any vehicle 12,000 lbs. or more in Gross

Vehicle Weight only if it is a pickup or van.

Vehicles 12,000 lbs. or more in Gross Vehicle

Weight such as, but not limited to, motor

homes, dump trucks, moving trucks or vans,

step-vans, delivery trucks or vans, cargo

cutaway vans or other vans or trucks with cabs

separate from the cargo area, are not

considered non-owned autos.


BNN01OD (10-2011)

D - 2 (KY)

D. "Safety Equipment" as used in this provision, and

as required in Kentucky Revised Statutes, means

the:

1. Glass used in windshields, windows and

doors; and

2. Glass, plastic or other materials used in lights.

E. "Custom equipment" means any type of

equipment, accessories or changes other than

those offered either by the manufacturer

specifically for your covered auto or non-owned

auto, or that are installed by the dealership as part

of the original sale, that:

1. are permanently installed on your covered

auto or non-owned auto; and

2. alter the appearance or performance of your

covered auto or non-owned auto.

Custom equipment includes, but is not limited to:

a. caps, bedliners, tool compartments or

winches;

b. custom murals, paintings or other similar

decals or graphics;

c. facilities for cooking or cleaning;

d. height extending roofs;

e. custom wheels, light bars, exhaust

systems or suspensions; or

f. special carpeting or insulation, furniture or

bars.

Electronic equipment and its accessories that are

necessary for the normal operation of the auto or the

monitoring of the auto's operating systems and

permanently installed in or on your covered auto or

any non-owned auto, is considered part of that

vehicle and not considered custom equipment.

Transportation Expenses

If the Declarations Page indicates that Other Than

Collision Coverage is provided for your covered auto,

we will also pay, without application of a deductible, the

lesser of $30 per day, up to $900; for:

1. Transportation expenses incurred by you in

the event of the total theft of your covered

auto if Other Than Collision Coverage is

provided for that auto.

2. Loss of use expenses for which you become

legally responsible in the event of the total theft

of a non-owned auto. This applies only if the

Declarations Page indicate that Other Than

Collision Coverage is provided for your

covered auto.

We will pay only the expenses incurred beginning 24

hours after the theft.

Our payment under Transportation Expenses will be

limited to the earliest of the following:

1. When your covered auto has been returned

to you;

2. When your covered auto has been repaired;

3. When your covered auto has been replaced;

or

4. 72 hours after we make an offer to settle the

loss if your covered auto is deemed by us to

be a total loss.

You must provide us written proof of your rental

charges to be reimbursed.

Exclusions

We will not pay for:

1. Loss to your covered auto or any

non-owned auto which occurs while it is

being used to carry persons or property for

compensation, fee or otherwise for hire. This

exclusion (1.) does not apply to a

share-the-expense car pool.

2. Damage or loss due to or resulting from:

a. wear and tear or deterioration;

b. freezing;

c. mechanical, electrical, or electronic

breakdown or failure;


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D - 3 (KY)

d. inherent vice or latent defect;

e. smog, rust or other corrosion; or

f. road damage to tires.

This exclusion does not apply if the damage

results from the total theft of your covered

auto or non-owned auto.

3. Loss due to or as a consequence of:

a. radioactive contamination;

b. discharge of any nuclear weapon (even if

accidental);

c. war (declared or undeclared);

d. civil war;

e. insurrection; or

f. rebellion or revolution.

4. Loss caused by fungus, mold, mildew or

spores, regardless of the factors causing or

contributing to its growth, including, hail, water,

moisture or flood damage.

5. Loss caused directly or indirectly by any:

a. accidental or intentional discharge, disper-

sal or release of pathogenic or poisonous

biological material; or

b. intentional discharge, dispersal or release

of chemical or hazardous material for any

purpose other than its safe and useful

purpose. However, this exclusion does not

apply to any loss resulting from an act of

vandalism that is directed solely at your

covered auto.

6. Loss to:

a. any electronic equipment designed for the

reproduction of sound, including, but not

limit to:

(1) radios, stereos, iPods, MP3 players

and similar devices;

(2) tape decks and similar devices; or

(3) compact disc players;

b. any other electronic equipment that

receives or transmits audio, visual or data

signals, including, but not limited to:

(1) citizens band radios;

(2) telephones;

(3) two-way mobile radios;

(4) scanning monitor receivers;

(5) televisions and television monitors;

(6) DVD, VCR or any other video device;

(7) audio cassette recorders; or

(8) personal computers;

c. tapes, records, discs, or other media used

with equipment described in a. or b.; or

d. any other accessories used with

equipment described in a. or b.

This exclusion (6.) does not apply to:

i. items listed in 6.a., b. and d. of this

exclusion provided such equipment

and accessories are permanently

installed, by the original manufacturer

or dealership as part of the original

sale, in or on your covered auto or

any non-owned auto;

ii. items listed in 6.a., b. and d. of this

exclusion, up to $1,000, that are

permanently installed by someone

other than the original manufacturer or

dealership as part of the original sale,

in or on your covered auto or any

non-owned auto; or

iii. any other electronic equipment and its

accessories that are:


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D - 4 (KY)

1. necessary for the normal

operation of the auto or the

monitoring of the auto's operating

systems; and

2. permanently installed in or on

your covered auto or any

non-owned auto.


non-owned auto due to destruction or

confiscation by governmental or civil

authorities because you or any family

member:

a. engaged in illegal activities; or

b. failed to comply with Environmental

Protection Agency or Department of

Transportation standards.

This exclusion (7.) does not apply to the

interests of Loss Payees in your covered

auto.

8. Loss to a camper body or trailer you own

which is not shown on the Declarations Page.

This exclusion does not apply to a camper

body or trailer you:

1. acquire during the policy period; and

2. ask us to insure within 30 days after you

become the owner.

9. Loss to any non-owned auto or any vehicle

used as a temporary substitute for a vehicle

you own, when used by you or any family

member without permission of the owner.

10. Loss to:

a. awnings or cabanas; or

b. equipment designed to create additional

living facilities.

11. Loss to any equipment or device designed or

used for the detection or location of speed

measuring equipment such as radar or laser

detectors and any jamming apparatus

intended to elude or disrupt speed measuring

equipment.

12. Loss to any non-owned auto being

maintained or used by any person while

employed or otherwise engaged in the

business of:

a. selling;

b. repairing;

c. servicing;

d. storing;

e. parking; or

f. washing

vehicles designed for use on public highways.

This includes road testing and delivery.

13. Loss to any non-owned auto being

maintained or used by any person while

employed or otherwise engaged in any

business not described in exclusion 12. This

exclusion (13.) does not apply to the

maintenance or use by you or any family

member of a non-owned auto which is a

private passenger auto or trailer.


non-owned auto that occurs while:

a. participating in; or


Any prearranged, organized or spontaneous

race, or speed, hill climb, demolition or

stunting activity.


non-owned auto that occurs while being

operated on a driving track in a facility

designed for racing vehicles.

16. Loss to any equipment designed for racing,

which is installed in or upon your covered

auto or non-owned auto. This includes, but is

not limited to, nitrous oxide systems, roll

cages, or air intake modifications.

17. Loss to hoists, air compressors, generators, or

any other similar devices.


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D - 5 (KY)

18. Loss to your covered auto or non-owned

auto while used off public roads for 4-wheeling

purposes.

19. Loss to your covered auto, non-owned auto

or trailer while rented, leased, loaned, or given

in exchange for any compensation to others by

you, a family member, the owner of the

vehicle, a resident of your household using a

vehicle with your permission, or a driver using

a vehicle with the permission of you, a family

member, the owner of the auto, or a resident

of your household.

20. Loss to your covered auto, a trailer or any

non-owned auto caused by or reasonably

expected to result from, an intentional act by,

or at the direction of you, a family member,

the owner of the auto, a resident of your

household, or any driver listed on the Rating

Information Page of this policy. However, this

exclusion does not apply to a loss to your

covered auto to the extent of the legal interest

of you or a family member who:

a. sustained the loss as the result of family

violence by:

1. You;

2. A family member;

3. A former spouse; or

4. Any person who resides in or has

resided in your household;

b. Did not direct, participate in, or consent to

the intentional act causing the loss; and

c. Filed a family violence complaint against

the person who caused the violence

resulting in the loss.

21. Loss to your covered auto or non-owned

auto when it is driven, operated or used with

your permission by a person other than a

family member whom you know:

a. is under the minimum age to obtain a

driver's license;

b. does not have a valid driver's license;

c. has a suspended driver's license;

d. has a revoked driver's license;

e. has a restricted driver's license and is

operating a vehicle beyond the scope of

such restriction.

This exclusion (21.) does not apply when it is

not required for a person to obtain a driver's

license to operate your covered auto or

non-owned auto. For purposes of this

exclusion, a driver's license includes a

temporary learner's permit.

22. Loss to your covered auto or a non-owned

auto caused by, or reasonably expected to

result from, a criminal act of you, a family

member, the owner of the auto, a resident of

your household using a vehicle with your

permission, or a driver using a vehicle with the

permission of you, a family member, the

owner of the auto, or a resident of your

household. This exclusion applies regardless

of whether that person is actually charged with,

or convicted of, a crime. For purposes of this

exclusion, criminal acts do not include traffic

violations.

Limit of Liability

A. Our limit of liability for the loss will be the lesser of

the:

1. Actual cash value of the stolen or damaged

property, reduced by the salvage value if you

or the owner retain the salvage; or

2. Amount necessary to repair or replace the

property using parts from the vehicle's

manufacturers or parts from other

manufacturers;

Reduced by any applicable deductible.

The most we will pay for loss to custom equipment is

$1,000 unless you purchased additional Custom

Equipment Coverage and it is shown on the

Declarations Page. If you purchased additional

Custom Equipment Coverage, the most we will pay is

the amount listed on the Declarations Page.


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D - 6 (KY)

Custom Equipment Coverage applies only if either

Other Than Collision Coverage or Collision Coverage

has been purchased for your covered auto and the

loss is covered under the purchased coverage.

If the custom equipment takes the place of any

equipment that was included on your covered auto or

non-owned auto by the original manufacturer or the

dealership as part of the original sale, no credit will be

given for the value of the corresponding original

equipment in the payment of the loss.

You are required to maintain and upon demand from

us, promptly present proof of ownership for any

custom equipment to which this coverage applies.

Proof of custom equipment ownership includes, but is

not limited to, receipts, pictures, owner's manual.

This policy does not cover a claim for any actual or

perceived diminished market value of your covered

auto or non-owned auto.

The most we will pay for loss to any non-owned auto

that is a trailer is $500.

B. An adjustment for depreciation and physical

condition will be made in determining the actual

cash value of your covered auto or non-owned

auto at the time of the loss.

C. If a repair or replacement results in better than like

kind or quality, we will not pay for the amount of

the increase in value. The amount for which you

will be responsible includes the value relating to

the increase in useful life of replaced parts that

have a limited useful life and the increase in value

from the repair of prior damage.

D. We will provide coverage for replacement of a child

restraint system that was in use by a child during

an accident to which this policy applies.

Payment of Loss

We may, at our option, pay to repair or replace the

damaged or stolen property. We may, at our expense,

return any stolen property to:

1. You; or

2. The address shown in this policy.

If we return stolen property we will pay for any damage

resulting from the theft. We may keep all or part of the

property at an agreed or appraised value.

No Benefit To Bailee

This insurance shall not directly or indirectly benefit any

carrier or other bailee for hire.

Other Sources of Recovery

If other sources of recovery also cover the loss, we

pay only our share of the loss. Our share is the

proportion that our limit of liability bears to the total of

all applicable limits. However, any insurance we

provide:

1. For your covered auto shall be excess to that of a

person engaged in the business of:

a. storing;

b. parking;

c. servicing; or

d. repairing;

motor vehicles. If the loss occurs while the vehicle

is in that person's control or the control of that

person's employee or agent.

2. With respect to a non-owned auto shall be

excess over any other collectible source of

recovery including, but not limited to:

a. any coverage provided by the owner of the

non-owned auto;

b. any other applicable physical damage

insurance;

c. any other source of recovery applicable to the

loss.

Appraisal

A. If we and you do not agree on the actual cash

value of the vehicle, either party may demand an

appraisal of the loss. In this event, each party will

select a competent and impartial appraiser. The

two appraisers will select a competent and

impartial umpire. The appraisers will state

separately the actual cash value and the amount of


BNN01OD (10-2011)

D - 7 (KY)

the loss. If they fail to agree, they will submit their

differences to the umpire. A decision agreed to by

any two will be binding. Each party will:

1. Pay its chosen appraiser; and

2. Bear the expenses of the appraisal and umpire

equally.

B. We do not waive any of our rights under this policy

by agreeing to an appraisal.

Loss Payable Clause

If a loss payee is shown on the Declarations Page:

Loss or damage shall be paid, as interest may appear,

to you and the loss payee shown on the Declarations

Page. Payment may be made separately to each

interested party.

This insurance with respect to the interest of the loss

payee, shall not become invalid because of your acts

or omissions unless the loss results from:

a. Conversion, secretion, embezzlement or willful

damaging or destruction, of your covered

auto by or at the direction of you, a family

member, or the owner of your covered auto;

or

b. A criminal act or omission of you, a family

member, or the owner of your covered auto.

This applies regardless of whether you, the

family member, or the owner of your

covered auto is actually charged with, or

convicted of, a crime. For purposes of this

clause, criminal acts or omissions do not

include traffic violations.

We reserve the right to cancel, nonrenew or void the

policy as permitted by policy terms. The cancellation,

nonrenewing or voiding shall terminate this agreement

as to the loss payee's interest. We will give notice of

cancellation to the loss payee shown on the

Declarations Page. If this policy is cancelled,

nonrenewed, or voided, the interest of any lienholder

under this agreement will also terminate effective the

date and time the policy is cancelled, nonrenewed or

voided.

When we pay the loss payee we shall, to the extent of

payment, be subrogated to the loss payee's rights of

recovery.


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D - 8 (KY)


BNN01OE (10-2011)

PART E - DUTIES AFTER AN ACCIDENT OR

LOSS

We have no duty to provide coverage under this policy

unless you have paid the required premium when due

and there has been full compliance with the following

duties:

A. We must be notified promptly of how, when and

where the accident or loss happened. Notice

should also include the names and addresses of

any injured persons and of any witnesses.

B. A person seeking any coverage must:

1. Cooperate with us in the investigation,

settlement or defense of any claim or suit.

2. Promptly send us copies of any notices or

legal papers received in connection with the

accident or loss.

3. Submit, as often as we reasonably require:

a. to physical and/or medical exams at our

expense by physicians we select at our

expense; and

b. to examination under oath and sign the

transcribed statements.

4. Authorize us to obtain directly from the

medical provider or custodian of medical

records:

a. medical reports and records; and

b. other pertinent records.

5. Submit a signed, notarized statement in proof

of loss within 60 days of a request by us.

6. Make your covered auto available to us for

inspection at our request. We have the right

as part of our inspection to extract and

analyze any part of your vehicle, including but

not limited to, its fluids or data recorded by

your covered auto's Event Data Recorder or

similar device.

7. Allow us to take signed or recorded

statements, and answer all reasonable

questions we may ask, when and as often as

we may reasonably require.

8. Produce employees, members of your

household, or the household of an insured, or

others for statements or examination under

oath to the extent that it is within your power

to do so.

9. Attend hearings and trials as we require.

10. Authorize us to move any damaged auto

covered by this policy to a storage facility of

our choice at our expense.

11. Authorize us to obtain residency,

employment, earning, phone or other

communication, pharmacy, or any other

records that we deem appropriate for

investigation of any claim, damage or injury.

C. A person seeking Uninsured Motorists Coverage

must also:

1. Promptly notify the police if a hit and run

driver is involved.

2. Promptly send us copies of the legal papers if

a suit is brought.

D. A person seeking Coverage for Damage To Your

Auto must also:

1. Take reasonable steps after loss to protect

your covered auto or any non-owned auto

and their equipment from further loss. We will

pay reasonable expenses incurred to do this.

If you or the person in legal possession of

your covered auto or non-owned auto does

not protect it, further loss is not covered.

2. Promptly notify the police if your covered

auto or any non-owned auto is stolen.

3. Permit us to inspect and appraise the

damaged property before its repair or

disposal.

E - 1 (KY)


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E - 2 (KY)


CNN01OF (07-2012)

F - 1 (KY)

PART F - GENERAL PROVISIONS

Bankruptcy

Bankruptcy or insolvency of the insured shall not

relieve us of any obligation under this policy.

Misrepresentations

To determine eligibility for coverage under this policy

and to determine the premium, we relied upon the

statements provided to us in the application, including

but not limited to information regarding licensing and

driving history of you, family members, drivers listed

on the Rating Information Page, all residents in your

household, registered owners of the vehicle to be

insured, the description of the vehicles to be insured,

the use of the vehicles to be insured, the location of

the principal place of garaging, and your place of

residence. We may void this policy from inception,

deny coverage under this policy, or, at our election,

assert any other remedy available under applicable

law, if at the time of application, any time during the

policy period, or in connection with the presentation or

settlement of any claim you, a family member, a

driver listed on the Rating Information Page, a resident

in your household or any insured person seeking

coverage under this policy:

A. Made incorrect statements to us with regard to any

material fact or circumstance;

B. Concealed or misrepresented any material fact or

circumstance; or

C. Engaged in fraudulent conduct.

If we void your policy, the premium you have paid will

be refunded.

Following an accident or loss, we may still void this

policy or deny coverage at any time for incorrect,

concealed or misrepresented material facts, provided

to us at any time, or fraud.

However, we will provide liability coverage, but only in

that amount required to meet the minimum limits of

coverage required by Kentucky Financial Responsibility

Law, if said loss occurs during the policy period prior to

the time that we first become aware of the insured's

fraudulent statement.

If we void this policy from inception, or deny coverage

as permitted by this Misrepresentations section, we will

not be liable for any claim that would otherwise be

covered.

To the extent that we make any payment to any party

under this policy and our subsequent investigation

reveals your, a family member's, a driver on the

Rating Information Page, any resident of your

household, or any insured's involvement in fraud or

misrepresentation in the application or form submitted

to us for this insurance, or with regard to any other

aspect of this insurance, including, but not limited to

procurement of this policy, or in the presentation of a

claim, you must indemnify us for all payments made.

Changes

A. This policy, the Application, the Declarations Page

and any endorsements issued by us contains all of

the agreements between you and us. These terms

may not be changed or waived except by

endorsement issued by us.

B. If there is a change to the information used to

develop the policy premium, we may adjust your

premium. Changes during the policy period that

may result in a premium increase or decrease

include, but are not limited to, changes in:

1. The number, type, or use classification of

insured vehicles;

2. Operators using insured vehicles;

3. The place of principal garaging of insured

vehicles; and

4. Coverage, deductible, or limits.

If a change resulting from A. or B. requires a

premium adjustment, we will make the premium

adjustment in accordance with our manual rules

effective the date of the change. You agree to

promptly notify us if you have made any material

changes, including, but not limited to, those listed

above.

C. If we make a change which broadens coverage

under this edition of your policy without additional

premium charges, that change will automatically

apply to your policy as of the date we implement

the change in your state. This paragraph (C.) does

not apply to changes implemented with a general

program revision that includes both broadenings

and restrictions in coverage, whether that general


CNN01OF (07-2012)

F - 2 (KY)

program revision is implemented through

introduction of:

1. A subsequent edition of your policy; or

2. An Amendatory Endorsement.

Conformity to State Law

Any policy provision contrary to laws of the state in

which this policy is issued is amended to conform to

such laws.

Fraud

We do not provide coverage for any insured who has

made fraudulent statements or engaged in fraudulent

conduct in connection with any accident or loss for

which coverage is sought under this policy. However,

we will provide liability coverage, but only in that

amount required to meet the minimum limits of

coverage required by Kentucky Financial Responsibility

Law, if said loss occurs during the policy period prior to

the time that we first become aware of the insured's

fraudulent statement. If we void this policy, you must

indemnify us for all payment made.

Legal Action Against Us

A. No legal action may be brought against us, and we

may not be sued unless there is full compliance

with all the terms, provisions and conditions of this

policy. In addition, under Part A, no legal action

may be brought against us until:

1. We agree in writing that the insured has an

obligation to pay; or

2. The amount of that obligation has finally been

determined by judgment after trial.

B. No person or organization has any right under this

policy to bring us into any action to determine the

liability of an insured.

Payment of Premium

If you fail to make your initial payment or if you make

your initial premium payment by check, draft,

electronic funds transfer, or any remittance other than

cash, and it is nonnegotiable or not honored on

presentment to the bank or other financial institution,

we may void this policy from inception. Coverage

under this policy is conditioned upon the initial payment

and/or the initial check, draft, electronic funds transfer,

or remittance being honored upon presentment to the

bank or other financial institution. This means we will

not be liable under this policy for any claims or

damages that would otherwise be covered if the initial

payment had been received or if the initial check, draft,

electronic funds transfer, or similar form of remittance

had been honored by the financial institution. This

includes any claims reported to us prior to receiving

notice of the non-sufficient funds payment.

If you fail to make your renewal payment or if you

make a premium payment for a renewal of your policy

using a nonnegotiable instrument or any type of

payment that is not honored upon presentment to the

bank or other financial institution, our offer of policy

renewal is deemed rejected by you and the policy

terminated without renewal.

Examples of nonnegotiable instruments include, but

are not limited to:

1. Checks dishonored due to insufficient funds;

2. Checks drawn from closed accounts; and

3. Invalid credit or debit cards.

Our Right To Recover Payment

A. If we make a payment under this policy and the

person to or for whom payment was made has a

right to recover damages from another, we shall

be subrogated to that right. That person shall do:

1. Whatever is necessary to enable us to

exercise our rights; and

2. Nothing after loss to prejudice them.

B. If we make a payment under this policy and the

person to or for whom payment is made recovers

damages from another, that person shall:

1. Hold in trust for us the proceeds of the

recovery; and

2. Reimburse us to the extent of our payment

regardless of the total amount of damages

sustained by the insured irrespective of

whether any such settlement or judgment may

or may not provide reimbursement for all

injuries, illnesses, or other damages (including,

without limitation, pain and suffering,

consequential, punitive, exemplary or other


CNN01OF (07-2012)

F - 3 (KY)

damages, whether alleged, proven in a court

of law or otherwise substantiated)

C. We are not responsible for any fees, including, but

not limited to, attorney fees or court costs incurred

to recover our subrogated interest unless we have

agreed in writing, in advance, to be responsible for

those fees.

D. Our rights do not apply under Paragraph A. with

respect to Uninsured Motorists Coverage if we:

1. Have been given prompt written notice of a

tentative settlement between an insured and

the insurer of a vehicle described in Paragraph

C.4. of the definitions of uninsured motor

vehicle; and

2. Fail to advance payment to the insured in an

amount equal to the tentative settlement within

90 days after receipt of notification.

If we advance payment to the insured in an

amount equal to the tentative settlement within 90

days after receipt of notification:

1. That payment will be separate from any

amount the insured is entitled to recover

under the provisions of Uninsured Motorists

Coverage.

2. We also have a right to recover the advanced

payment.

Policy Period, Territory and Interpretation

A. This policy applies only to accidents and losses

which occur:

1. During the policy period as shown on the

Declarations Page; and

2. Within the policy territory.

B. The policy territory is:

1. The United States of America, its territories or

possessions;

2. Puerto Rico; or

3. Canada.

This policy also applies to losses to, or accidents

involving, your covered auto while being

transported between their ports.

READ THIS WARNING CAREFULLY - NO

COVERAGE WHILE USING OR OCCUPYING ANY

VEHICLE IN MEXICO

Car accidents in Mexico are subject to the laws of

Mexico, NOT the United States. The Republic of

Mexico considers a car accident to be both a criminal

offense and a civil matter. Car insurance should be

secured from a licensed Mexican insurance company

before driving into Mexico to avoid the risk of being

jailed and possibly having a vehicle covered by this

policy impounded.

NO COVERAGE IS PROVIDED UNDER THIS

POLICY WHILE USING OR OCCUPYING ANY

VEHICLE IN MEXICO

C. This agreement shall be governed by, and

interpreted in accordance with the laws of the state

in which the insured resides as reflected on the

policy Declarations Page.

Termination

A. Cancellation. This policy may be cancelled during

the policy period as follows:

1. The named insured shown on the Declarations

Page may cancel by:

a. returning this policy to us; or

b. giving us advance notice of the date

cancellation is to take effect.

2. We may cancel by mailing to the named

insured shown on the Declarations Page at the

address shown in this policy:

a. at least 14 days notice if cancellation is for

nonpayment of premiums; or

b. at least 14 days notice in all other cases,

including if notice is mailed during the first

60 days this policy is in effect and this is

not a renewal or continuation policy.

3. If the policy provides coverage under any part,

and after this policy is in effect for 60 days, or

if this is a renewal policy, we will not cancel


CNN01OF (07-2012)

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these coverages except for one or more of the

following reasons:

a. for nonpayment of premium; or

b. if a driver's license issued to you, any

driver in your household, or any driver

who customarily uses your covered auto

has been suspended or revoked.

This must have occurred:

(1) during the policy period; or

(2) since the last anniversary of the

original effective date if the policy

period is other than 1 year.

c. discovery of fraud or material

misrepresentation made by or with the

knowledge of the named insured in

obtaining the policy, continuing the policy,

or in presenting a claim under the policy;

d. determination by the commissioner of

insurance that continuation of the policy

would place the insurer in violation of

Kentucky rules or administrative

regulations of the commissioner of

insurance.

B. Nonrenewal. If we decide not to renew or

continue this policy, we will mail notice to the

named insured shown on the Declarations Page at

the address shown in this policy. Notice will be

mailed at least 75 days before the end of the policy

period.

C. Other Termination Provisions

If we request cancellation, you may be entitled to

a premium refund. If so, we will send you the

refund. The premium refund, if any, will be

computed on a pro rata basis.

If cancellation is for non-payment of premium or at

your request, the earned premium shall be

calculated on a short rate basis. Coverage will

cease on the effective date of your cancellation.

However, making or offering to make the refund is

not a condition of cancellation.

Transfer Of Your Interest In This Policy

Your interest, rights or duties under this policy may not

be assigned or transferred without our written consent.

However, if a named insured shown on the

Declarations Page dies, coverage will be provided for:

1. Your surviving spouse if a resident in the same

household at the time of death. Coverage applies

to the spouse as if a named insured shown on the

Declarations Page; and

2. The legal representative of the deceased person

as if a named insured shown on the Declarations

Page. This applies only with respect to the

representative's legal responsibility to maintain or

use your covered auto.

Coverage will only be provided until the end of the

policy period.

Two Or More Auto Policies

If this policy and any other auto insurance issued to

you by us, or by any of our affiliated companies, apply

to the same accident, the maximum limit of our liability

under all policies shall not exceed the highest

applicable limit of liability under any one policy.

This provision does not apply to Uninsured Motorists

Coverage. No one will be entitled to receive duplicate

payments for the same elements of loss under

Uninsured Motorists Coverage.

Our Right to Recompute Premium

We established the premium for this policy based on

the statements you made in the application for

insurance. We have the right to recompute the

premium if we later obtain information which affects

the premium we charged.

Known Loss

We do not provide coverage for any loss or

occurrence which was known to any insured person

and occurred prior to the time you signed the

application for coverage, or asked us or our agent to

provide coverage, even if the loss or occurrence falls

within the period covered by the policy.


CNN01OF (07-2012)

F - 5 (KY)

Fees

In addition to premium, fees may be charged on your

policy. We may charge fees for installment payments,

late payments and other transactions. Payments made

on your policy will be applied to fees first, then to the

premium due.

Our Right to Use Other Resources

You and any insured seeking coverage under this

policy agree that we have the right to utilize outside

sources, vendors, experts, consultants and software

tools of our choosing to assist us in underwriting, pric-

ing and issuing our insurance policies and to assist us

in adjusting claims.

ADDITIONAL POLICY COVERAGES

Your policy provides the following additional

coverage(s) if a specific premium charge or charge for

such coverage(s) is indicated on the Declarations

Page. The provisions and exclusions that apply to Part

D also apply to these additional policy coverages ex-

cept as changed below.

Towing And Labor Costs

If your covered auto or non-owned auto is disabled,

we will pay up to the limit shown on the Declarations

Page for this coverage, the cost incurred for:

1. mechanical labor at the place of its

breakdown;

2. towing to the nearest place where the neces-

sary repairs can be made during regular busi-

ness hours if it will not run;

3. towing it out if stuck on or immediately next to

a public highway; and

4. delivery of gas, oil, loaned battery, or change

of tire. We do not pay for the cost of these

items.

Rental Reimbursement/Transportation Expenses

When there is loss to one of your covered autos de-

scribed on the Declarations Page:

A. We will reimburse you for expenses you incur to

rent a substitute auto. This coverage applies only

if:

1. Your covered auto is withdrawn from use for

more than 24 hours; and

2. The loss is caused by collision, or covered

under Part D of this policy.

However, this coverage does not apply when there

is total theft of the auto.

B. The Transportation Expenses provision of Part D

is replaced by the following:

In addition, we will pay up to the lower of the daily or

maximum limit stated on the Declarations Page for

transportation expenses incurred by you. This applies

only in the event of the total theft of your covered

auto. We will pay only transportation expenses in-

curred beginning 24 hours after the theft.

C. Our payment under paragraph A. and B. of Rental

Reimbursement/Transportation Expenses will be

limited to the earliest of the following:

1. When your covered auto has been returned

to you;

2. When your covered auto has been repaired;

3. When your covered auto has been replaced;

or

4. 72 hours after we make an offer to settle the

loss if your covered auto is deemed by us to

be a total loss.

You must provide us written proof of your rental

charges to be reimbursed.


CNN01OF (07-2012)

F - 6 (KY)

IN WITNESS WHEREOF, we, have caused this policy to be signed by our President and attested by our

Secretary, and, if required by state law, this policy shall not be binding upon us unless countersigned by our

authorized representative.

This endorsement should be attached to your policy as it constitutes an important part of the contract.

Policy Number:

Page 1 of 3

Endorsement PA 113 KY

Personal Auto Amendatory Endorsement(PinPoint) - Kentucky

ENDPA113 KY (06-2014)

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. Your policy is changed as follows:

A. PART A - LIABILITY COVERAGE

1. Exclusion A.7. is removed and replaced with the following:

7. Maintaining or using any vehicle while that person is employed or otherwise engaged in any business (other than farming or ranching) not described in Exclusion A.6. This exclusion (A.7.) does not apply to the maintenance or use of a:

a. Private passenger auto, pickup or van; or

b. Trailer used with a vehicle described in 7.a.

B. PART B - MEDICAL PAYMENTS COVERAGE

1. Exclusion 9. is removed and replaced with the following:

9. Sustained while occupying a vehicle when it is being used in the business of an insured. This exclusion (9.) does not apply to bodily injury sustained while occupying a:

a. Private passenger auto, pickup or van; or

b. Trailer used with a vehicle described in 9.a.

C. PART C - UNINSURED MOTORISTS COVERAGE

1. Paragraph B. of the Insuring Agreement is removed and replaced with the following:

B. "Insured" as used in this Part means:

1. You or any family member;

2. Any other person, other than a person defined in B.1. of this definition, while occupying your covered auto with a reasonable belief that that person is entitled to do so, if that person is not insured for Uninsured Motorists Coverage under another policy.

D. PART C - UNDERINSURED MOTORISTS COVERAGE

1. Paragraph B. of the Insuring Agreement is removed and replaced with the following:

B. "Insured " as used in this Part means:

1. You or any family member ;

2. Any other person, other than a person defined in B.1. of this definition, while occupying your covered auto with a reasonable belief that that person is entitled to do so, if that person is not insured for Underinsured Motorists Coverage under another policy.

E. PART D - COVERAGE FOR DAMAGE TO YOUR AUTO

1. Paragraph A. of the Insuring Agreement is removed and replaced with the following:

A. 1. Subject to the limit of liability, if youpay the premium when due, we willpay for sudden, direct and accidentalloss to your covered auto or anynon-owned auto , including theirpermanently installed equipment,reduced by the applicable deductibleshown on the Declarations Page. Wewill pay for loss to your coveredauto caused by:

a. Other than collision if the Declarations Page indicates that Other Than Collision coverage is provided for that auto.

b. Collision if the Declarations Page

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ENDPA113 KY (06-2014)

indicates that Collision coverage is provided for that auto.

2. If there is a loss to a non-owned auto, we will provide the broadest coverage applicable to any of your covered autos shown on the Declarations Page.

3. We will not subtract the deductible amount if:

a. your covered auto collides with another motor vehicle insured by us or an insurer that is a subsidiary or affiliate of ours; or

b. your covered auto is involved in a loss that results in the vehicle's safety equipment being repaired or replaced.

2. The following is added to the Insuring Agreement:

F. "Permanently installed" means installed using bolts, brackets or welding. A device attached only by wires, Velcro, tape or other similar methods is not considered permanently installed.

3. Paragraph E. of the Insuring Agreement is removed and replaced with the following:

E. 1. "Custom equipment" means anytype of equipment, accessories orchanges other than those offeredeither by the manufacturerspecifically for your covered auto ornon-owned auto, or that areinstalled by the dealership as part ofthe original sale, that:

a. Are permanently installed on your covered auto or non-owned auto ; and

b. Alter the appearance or performance of your covered auto or non-owned auto .

2. Custom equipment includes, but is not limited to:

a. Any electronic equipment designed for the reproduction of sound, to receive or transmit audio, visual or data signals;

b. Caps, bedliners, tool compartments or winches;

c. Custom murals, paintings or other similar decals or graphics;

d. Facilities for cooking or cleaning;

e. Height extending roofs;

f. Custom wheels, light bars, exhaust systems or suspensions; or

g. Special carpeting or insulation, furniture or bars.

Electronic equipment and its accessories that are necessary for the normal operation of the auto or the monitoring of the auto's operating systems and permanently installed in or on your covered auto or any non-owned auto, is considered part of that vehicle and not considered custom equipment .

4. The Exclusions section is changed by removing Exclusion 6.

5. The Limit of Liability section is changed by removing paragraph A. and replacing it with the following:

A. Our limit of liability for loss will be the lesser of the:

1. Actual cash value of the stolenor damaged property, reduced by the salvage value if you or the owner retain the salvage;

2. Amount necessary to repair orreplace the property using parts from the vehicle's manufacturers or parts


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ENDPA113 KY (06-2014)

from other manufacturers; or

3. If loss is to custom equipment the greater of:

a. The limit applicable to that custom equipment; or

b. The cost of the original manufacturer's equipment, or equipment that is like kind and quality but not custom equipment.

Reduced by any applicable deductible.

The most we will pay for loss to custom equipment is $1,000 unless you purchased additional Custom Equipment Coverage and it is shown on the Declarations Page. If you purchased additional Custom Equipment Coverage, the most we will pay is the amount listed on the Declarations Page.

Custom Equipment Coverage applies only if either Other Than Collision Coverage or Collision Coverage has been purchased for your covered auto and the loss is covered under the purchased coverage.

You are required to maintain and upon demand from us, promptly present proof of ownership for any custom equipment to which this coverage applies. Proof of custom equipment ownership includes, but is not limited to, receipts, pictures, or an owner's manual.

This policy does not cover a claim for any actual or perceived diminished market value of your covered auto or non-owned auto.

The most we will pay for loss to any non-owned auto that is a trailer is $500.

F. PART F - GENERAL PROVISIONS

1. The ADDITIONAL POLICY COVERAGES of Towing And Labor Costs and Rental

Reimbursement/Transportation Expenses are removed. If these optional coverages are included with your policy, they will be provided by the addition of seperate coverage endorsements.

2. The following paragraph is added to the Misrepresentations provision:

In the event of our reasonable belief insurance fraud may exist regarding any claim, an insured , or a person seeking coverage under this policy has a continuing duty to cooperate fully in our investigation and all duties, conditions and responsibilities set forth in this policy shall apply to any insured , or a person seeking coverage under this policy even if a claim has been paid.

3. The Fraud provision is removed.


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Policy Number:

Page 1 of 1

Endorsement A 16

Extended Non-Owned Coverage For NamedIndividual

Part A - Liabil ity CoveragePart B - Medical Payments CoveragePart C - Uninsured Motorists Coverage

ENDA16 (06-2014)

Name of each individual to whom this Endorsementapplies:

With respect to the individual(s) named in thisendorsement, the provisions of the policy apply unlessmodified by this endorsement.

The Limits of Liability as shown on the DeclarationsPage for Part A - Liability, Part B - Medical Payments,and Part C - Uninsured Motorists for your coveredauto also apply to this endorsement.

A. Part A - Liability Coverage

Part A - Liability Coverage is amended as followswith respect to the individual(s) named in thisendorsement:

Exclusions B.2.b. and B.3.b. do not apply.

B. Part B - Medical Payments Coverage

Part B - Medical Payments Coverage is amendedas follows with respect to the individual(s) namedin this endorsement:

Exclusions 5.b. and 6.b. do not apply.

C. Part C - Uninsured Motorists Coverage

Uninsured Motorists Coverage applies for theindividual(s) named in this endorsement if thiscoverage applies to this policy as shown on theDeclarations Page.

D. This endorsement does not afford coverage underPart A - Liability Coverage, Part B - MedicalPayments Coverage, and Part C - UninsuredMotorists Coverage of the policy for any accidentinvolving a:

1. vehicle owned by an individual named in thisendorsement;

2. vehicle owned by a family member; or

3. temporary substitute vehicle for such ownedvehicle described in D.1. or D.2. above.

All other policy provisions not changed by thisendorsement apply.


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Policy Number:

Page 1 of 1

Endorsement A 32A

Additional Insured - Lessor

ENDA32A (12-2000)

Name and Address of Lessor

Any liability and any required no-fault coveragesafforded by this policy for your leased auto also applyto the lessor named in this endorsement as anadditional insured. This insurance is subject to thefollowing additional provisions:

1. We will pay damages for which the lessorbecomes legally responsible only if the damagesarise out of acts or omissions of:

a) you or any family member , or

b) any other person except the lessor or anyemployee or agent of the lessor using yourleased auto .

2. "Your leased auto" means:

a) an auto shown in the Declarations to whichthis endorsement applies, which you lease fora continuous period of at least six monthsunder a written agreement, which requires you to provide primary insurance for thelessor, and

b) any substitute or replacement auto furnishedby the lessor named in this endorsement.

3. If we terminate this policy, notice will also bemailed to the lessor.

4. Any liability and no-fault coverages afforded bythis policy for your leased auto will expire at thetime of revocation or termination of the leaseagreement.

5. The lessor is not responsible for payment ofpremiums.

6. The designation of the lessor as an additionalinsured shall not operate to increase our limits ofliability.


Policy Number:

Page 1 of 1

Endorsement A 74

Camper Body Coverage (Part D)

ENDA74 (08-1988)

Year Make Model Identification No. Cost New

We will pay for direct and accidental loss to the camper body described below.

This endorsement is subject to the following additionalprovisions:

1. "Camper body " means: the unit described belowdesigned as sleeping or living quarters which canbe attached to your covered auto includingequipment attached to the unit or other equipmentincluded in the original bill of sale.

2. This coverage applies to the camper body whether or not it is attached to your coveredauto .

3. The following deductible will apply to a losscovered by this endorsement:

The provisions and exclusions that apply to Part Dalso apply to this endorsement except anydeductibles.

The insured camper body is described as follows:


Policy Number:

Page 1 of 1

Endorsement A 75

Additional Insured

ENDA75 (08-1988)

Name and Address of Person or Organization:

Interest:

The definition of insured in this policy includes theperson or organization named above with respect to bodily injury and property damage. The inclusion ofan additional insured shall not operate to increase thelimits of our liability.


Policy Number:

Page 1 of 1

Endorsement A 76

Additional Named Insured

ENDA76 (04-2007)

Definition A. in the Definitions section, is replaced bythe following:

A. The terms defined below appear in bold typethroughout this policy. You and Your refer to thenamed insured, which includes the individualnamed on the Declarations Page, that person’sspouse if a resident of the same household or if aresident of the same household.

If the spouse ceases to be a resident of the samehousehold during the policy period or prior to theinception of this policy, the spouse will beconsidered you and your under this policy butonly until the earlier of:

1. The end of 90 days following the spouse’schange of residency;

2. The effective date of another policy listing thespouse as a named insured; or


If ceases to be a resident of the same householdduring the policy period or prior to the inception ofthis policy, will be considered you and your underthis policy but only until the earlier of:

1. The end of 90 days following change ofresidency;

2. The effective date of another policy listing asa named insured; or


All other provisions of your policy apply.


Policy Number:

Page 1 of 1

Endorsement A 80

Personal Effects Coverage

The provisions and exclusions that apply to Part D -Coverage for Damage to Your Auto also apply to thisendorsement except the Limit of Liability and OtherSources of Recovery provisions and any deductible.

We will pay for sudden, direct and accidental loss topersonal effects while used in, on or in connectionwith your covered auto for which a specific premiumcharge indicates that Personal Effects Coverage isprovided.

"Personal Effects" means personal propertybelonging to you or a family member. Personaleffects do not include:

1. accessories or equipment of your covered auto.

2. motorized or self-propelled vehicles, aircraft,watercraft, mobile homes and trailers includingtheir accessories or equipment.

3. money. This means currency, coins, bank notes,money orders, travelers checks, bullion, creditcards and similar items.

4. securities. These are negotiable agreements inwriting, that have value. They include revenuestamps, other stamps in current use, tokens ortickets.

5. accounts, documents, records, passports,manuscripts, bills, deeds, an evidence of debt orother valuable papers.

6. contact lenses, hearing aids, artificial limbs orteeth.

7. all animals including birds and fish.

8. salesmen’s samples, merchandise for sale orexhibition, or the business property of you or afamily member.

9. property of guests, boarders or employees.

Limit of Liabil ity

Our limit of liability for loss will be the lesser of the:

1. Stated amount shown on the Declarations Page;

2. Actual cash value of the stolen or damagedproperty; or

3. Amount necessary to repair or replace theproperty.

An adjustment for depreciation and physical conditionwill be made in determining actual cash value at thetime of loss.

Limitations On Theft

Theft, including larceny, robbery, burglary or pilferageis limited to 10% of the amount of insurance shown onthe Declarations Page for this endorsement for eachof the following categories of personal property:

1. coin collections or other numismatic property;

2. transportation tickets;

3. any single article of jewelry, watches, preciousand semi-precious stones, art, heirlooms or fur,including any article containing fur whichrepresents its principal value.

Each loss caused by theft is subject to a $50deductible.

Additional Exclusions

We will not pay for loss or damage caused by:

1. marring, scratching or breakage unless resultingfrom damage to or loss of your covered auto.

2. deterioration, insects, vermin or inherent vice.

3. animals or birds owned or kept by you or a familymember. We do cover direct loss that followscaused by fire, explosion or smoke.

4. rain, snow or sleet unless driven through openingsmade by direct action of wind or hail. Thisexclusion does not apply to flood or rising water.


The insurance provided by this endorsement shallbe excess over any other valid and collectiblesource of recovery.

ENDA80 (02-2008)


Policy Number:

Page 1 of 3

Endorsement A 158 KY

Miscellaneous Type Vehicle Endorsement

ENDA158 KY (06-2014)

This coverage is subject to all the provisions of the policy with respect to the miscellaneous type vehicles and coverages described in the Declarations Page.

Coverage is provided where a premium and a limit of liability is shown for the coverage.

I. Definitions

The Definitions Section is amended as follows:

A. For the purpose of the coverage provided by this endorsement "miscellaneous type vehicle " means:

1. A motor home, all terrain vehicle, dune buggy, golf cart, amphibious vehicle, hovercraft or go-cart.

2. A private passenger auto owned jointly by 2 or more:

a. relatives, other than husband and wife; or

b. resident individuals.

B. The definition of your covered auto is replaced by the following:

"Your covered auto" means:

1. Any miscellaneous type vehicle shown on the Declarations Page.

2. Any of the following types of vehicles on the date you become the owner:

a. a private passenger auto;

b. a pickup or van that has a Gross Vehicle Weight of less than 12,000 pounds; or

c. any miscellaneous type vehicle of the same type shown on the Declarations Page.

This provision applies only if:

a. you acquire the vehicle during the policy period;

b. you ask us to insure it within 30 days after you become the owner; and

c. with respect to a pickup or van, no other insurance policy provides coverage for that vehicle.

If the vehicle you acquire replaces one of the same type shown on the Declarations Page, it will have the same coverage as the vehicle it replaced. You must ask us to insure a replacement vehicle within 30 days only if you wish to add or continue Coverage for Damage to Your Auto.

If the vehicle you acquire is in addition to any of the same type shown on the Declarations Page, it will have the broadest coverage we now provide for any vehicle of that type shown on the Declarations Page.

3. Any trailer you own.

4. Any miscellaneous type vehicle or auto you do not own while used as a temporary substitute for any other vehicle described in this definition which is out of normal use because of its:

a. breakdown;

b. repair;

c. servicing;

d. loss; or

e. destruction.

This provision (4.) does not apply toCoverage for Damage to Your Auto.

II. Part A - Liability Coverage

Part A is amended as follows:


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ENDA158 KY (06-2014)

A. The definition of insured is replaced by the following:

"Insured " means:

1. You or any family member for the ownership maintenance or use of any miscellaneous type vehicle of the same type shown on the Declarations Page.

2. Any person using your covered auto .

3. For your covered auto, any person or organization but only with respect to legal responsibility for acts or omissions of a person for whom coverage is afforded under this Part.

B. The Exclusions Section is amended as follows:

1. Exclusion B.1. is replaced by the following:

We do not provide Liability Coverage for the ownership, maintenance or use of any motorized vehicle having fewer than four wheels. However, this exclusion (B.1.) does not apply to a motorized vehicle having fewer than four wheels if it is insured for Liability Coverage under this endorsement.

2. The following exclusion applies under Section A to any vehicle for which the Declarations Page indicates that the passenger hazard is excluded:

We will provide Liability Coverage to the extent of the minimum limits of financial responsibility pursuant to KRS 304.39 for any person for bodily injury to any person while occupying the described miscellaneous type vehicle.

3. Exclusion B.5. is replaced by the following:

Any vehicle, other than your covered auto , which:

a. is not of the private passenger, pickup

body, or cargo van type; and

b. has a Gross Vehicle Weight of 12,000 lbs. or more according to the manufacturer's specifications.

This exclusion (B.5.) also applies, but is not limited to motor homes, dump trucks, moving trucks or vans, step-vans, delivery trucks or vans, cargo cutaway vans or other vans or trucks with cabs separate from the cargo area.

III. Part B - Medical Payments Coverage

Exclusion 1. of Part B is replaced by the following:

We do not provide Medical Payments Coverage for any person for bodily injury sustained while occupying any motorized vehicle having fewer than four wheels. However, this exclusion (1.) does not apply to a motorized vehicle having fewer than four wheels if it is insured for Medical Payments Coverage under this endorsement.

IV. Part D - Coverage For Damage To Your Auto

Part D is amended as follows:

A. Under the definition of "non-owned auto ", paragraphs C.2. and C.3. are deleted and replaced by the following:

2. Any motor home, all terrain vehicle, dune buggy, golf cart, amphibious vehicle, hovercraft or go-cart you do not own while used as a temporary substitute for your covered auto which is out of normal use because of its:

a. breakdown;

b. repair;

c. servicing;

d. loss; or

e. destruction.

3. Any vehicle 12,000 lbs. or more in Gross Vehicle Weight only if it is a pickup or van.


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Policy Number:



ENDA158 KY (06-2014)

Vehicles 12,000 lbs. or more in Gross Vehicle Weight such as but not limited to, dump trucks, moving trucks or vans, step-vans, delivery trucks or vans, cargo cutaway vans or other vans or trucks with cabs separate from the cargo area, are not considered non-owned autos.

B. With respect to the stated amount limit shown as applicable to a vehicle described on the Declarations Page, the Limit of Liability provision is replaced by the following:

Limit of Liability


a. Stated amount shown on the Declarations Page;

b. Actual cash value of the stolen or damaged property; or

c. Amount necessary to repair or replace the property using parts furnished by the vehicle's manufacturers or parts from other manufacturers.

This policy does not cover a claim for diminished market value of your covered auto.

Our payment for loss will be reduced by any applicable deductible shown on the Declarations Page.

An adjustment for depreciation and physical condition will be made in determining actual cash value at the time of loss.

Additional Provisions For Motor Homes

Warning

The Coverage Provided By This Policy With Respect To A Motor Home That You Own:

NOTE: Does Not Provide Liability, Medical Payments or Physical Damage Coverage While The Motor Home Is Rented or Leased To

Any Organization, Or Any Person Other Than You.

V. The following additional exclusions apply to any motor home which is your covered auto .

A. Liability Coverage Exclusion

We do not provide Liability Coverage for the ownership, maintenance or use of any motor home while rented or leased to any organization, or any person other than you . However, this exclusion (V. A.) does not apply to the financial responsibility limits of any compulsory insurance law applicable to the state in which your covered auto is principally garaged.

B. Medical Payments Coverage Exclusion

We do not provide Medical Payments Coverage for any person for bodily injury sustained while occupying the motor home while it is rented or leased to any organization, or any person other than you .

C. Damage to Your Auto Exclusion

We will not pay for loss to the motor home or its covered property which occurs while the motor home is rented or leased to any organization, or any person other than you .


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Policy Number: PA

Endorsement A 159

Covered Property Coverage

The provisions and exclusions that apply to Part D -Coverage for Damage to Your Auto also apply to thisendorsement except Exclusion 10. and the Limit ofLiability provision.

We will pay for direct and accidental loss to coveredproperty while it is in or attached to the auto shown inthe Declarations for which a specific premium chargeindicates that Covered Property Coverage is provided.

"Covered property" means awnings and cabanas orequipment designed to create additional livingfacilities.

Additional Exclusions


1. Loss to business or office equipment.

2. Loss to articles which are sales samples or used inexhibitions.

Limit of Liabil ity


1. Stated amount shown in the Declarations;

2. Actual cash value of the stolen or damagedproperty; or

3. Amount necessary to repair or replace theproperty using parts furnished by the vehicle’smanufacturers or parts from other manufacturers.

This policy does not cover a claim for diminishedmarket value of the property.

Our payment for loss will be reduced by anyapplicable deductible shown in the Declarations.


ENDA159 (01-2009)


Policy Number:

Page 1 of 1

Endorsement A 160

Coverage For Damage to Your Auto(Stated Amount Maximum Limit of Liability)

With respect to the stated amount limit(s) shown asapplicable to a vehicle described on the DeclarationsPage, the Limit of Liability provision in Part D -Coverage for Damage to Your Auto, is replaced by thefollowing:

Limit of Liabil ity


1. Stated amount shown on the Declarations Page;

2. Actual cash value of the stolen or damagedproperty reduced by the salvage value if you orthe owner retain the salvage; or

3. Amount necessary to repair or replace theproperty using parts furnished by the vehicle’smanufacturers or parts from other manufacturers.

This policy does not cover a claim for any actual orperceived diminished market value of your coveredauto.

Our payment for loss will be reduced by anyapplicable deductible shown on the DeclarationsPage.


ENDA160 (03-2011)


Policy Number:

Page 1 of 3

Endorsement A 161

Snowmobile Endorsement

ENDA161 (06-2014)

The coverage is subject to all the provisions of the policy with respect to the snowmobiles and coverages described on the Declarations Page except as modified as follows:

I. Definitions

The Definitions Section is amended as follows:

A. For the purpose of the coverage provided by this endorsement, the terms "auto", "motor vehicle" and "vehicle" are replaced by the term snowmobile except for Uninsured Motorists Coverage. In Uninsured Motorists Coverage, the term uninsured motor vehicle includes a snowmobile.

B. The following definition is added:

"Snowmobile" means:

1. A land motor vehicle which is:

a. designed for use mainly off public roads on snow or ice; and

b. propelled solely by means of the following or similar mechanical devices:

1) wheels;

2) crawler-type treads; or

3) belts.

2. A trailer designed for being towed by, but not for transporting, a vehicle described in 1. above.

However, snowmobile does not include any vehicle which is propelled by airplane type propellers or fans.

C. The term your covered auto is replaced by the term your covered snowmobile. Your covered snowmobile means:

1. Any snowmobile shown on the Declarations Page.

2. Any snowmobile on the date you become the owner. This provision applies only if you :

a. acquire the snowmobile during the policy period; and

b. ask us to insure it within 30 days after you become the owner.

3. Any snowmobile you do not own which is used as a temporary substitute for any other snowmobile described in this definition which is out of normal use because of its:

a. breakdown;

b. repair;

c. servicing;

d. loss; or

e. destruction.

This provision (3.) does not apply to Coverage for Damage to Your Auto.

II. Part A - Liability Coverage

Part A is amended as follows with respect to a snowmobile:

A. The definition of "insured" is replaced by the following:

Insured means:

1. You or any family member for the ownership, maintenance or use of any snowmobile.

2. Any person using your covered snowmobile.


XXXXXXXXXXXXXXXXXX


of 3

Policy Number:

Endorsement A 161


ENDA161 (06-2014)

3. For your covered snowmobile, any person or organization but only with respect to legal responsibility for whom coverage is afforded under this Part.

4. For any snowmobile, other than your covered snowmobile, any person or organization but only with respect to legal responsibility for acts or omissions of you or any family member for whom coverage is afforded under this Part. This provision applies only if the person or organization does not own or hire the snowmobile.


1. Exclusions A.6. and A.7. are replaced by the following:

We do not provide Liability Coverage for any person maintaining or using a snowmobile in any business.

2. Exclusion B.1. does not apply.

3. The following exclusion is added to Section B:

We do not provide Liability Coverage for the ownership, maintenance or use of:

Any snowmobile while rented or leased to any person or organization other than you .

4. The following exclusion applies under Section A to any snowmobile for which the Declarations Page indicates that the passenger hazard is excluded:

We do not provide Liability Coverage for any person for bodily injury to any person while occupying , or while being towed by, the described snowmobile.

C. The "Other Insurance" provision is replaced by the following:

Other Insurance

Any insurance we provide shall be excess over any other collectible insurance.

III. Medical Payments Coverage

Part B is amended as follows with respect to a snowmobile:

A. The definition of an "insured" is replaced by the following:

"Insured" means:

1. You or any family member:

a. while occupying; or

b. as a pedestrian when struck by;

a snowmobile.

2. Any other person while occupying your covered snowmobile.


1. Exclusion 1. does not apply.

2. Exclusion 9. is replaced by the following:

We do not provide Medical Payments coverage for any person for bodily injury sustained while occupying a snowmobile when it is being used in the business of an insured.

3. The following exclusion is added:

We do not provide Medical Payments Coverage for any person for bodily injury :

Sustained while occupying any snowmobile while rented or leased to any person or organization other than you .



XXXXXXXXXXXXXXXXXX


of 3

Policy Number:

Endorsement A 161


ENDA161 (06-2014)

Other Insurance

Any insurance we provide shall be excess over any other collectible auto insurance providing payments for medical or funeral expenses.

IV. Part C - Uninsured Motorists Coverage

Uninsured Motorists Coverage is amended as follows with respect to a snowmobile:

A. Except for a snowmobile, a vehicle operated on rails or crawler treads is not an uninsured motor vehicle.

B. The following exclusion is added to Section A. of the Exclusions Section:

We do not provide coverage for bodily injury sustained by any person, or where afforded property damage:

While occupying any snowmobile while rented or leased to any person or organization other than you ; or

While occupying any snowmobile:

1. operated in; or

2. while in practice or preparation for;

any racing or speed contest regardless of whether such contest is prearranged or organized.


Other Insurance

Any insurance we provide shall be excess over any other collectible insurance.

V. Part D - Coverage For Damage To Your Auto

Part D is amended as follows with respect to a snowmobile:

A. The following exclusion is added:


Loss to any snowmobile while rented or leased to any person or organization other than you .

B. With respect to the stated amount limit(s) shown as applicable to a snowmobile described on the Declarations Page, the Limit of Liability provision is replaced by the following:

Limit of Liability


a. Stated amount shown on the Declarations Page;

b. Actual cash value of the stolen or damaged property; or

c. Amount necessary to repair or replace the property using parts furnished by the snowmobile's manufacturers or parts from other manufacturers.

This policy does not cover a claim for diminished market value of your covered snowmobile .

Our payment for loss will be reduced by any applicable deductible shown on the Declarations Page.

An adjustment for depreciation and physical condition will be made in determining actual cash value at the time of loss.


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Policy Number:

Page 1 of 1

Endorsement A 163

Cancellation Privilege

ENDA163 (01-1992)

We reserve the right to cancel the policy to which thisendorsement is attached at any time as provided byits terms. If we do cancel the policy, we will send anotice of cancellation to:


Policy Number:

Page 1 of 1

Endorsement

A 164

Antique, Classic or Special Interest Vehicles

Restricted Use

We agree that coverage applies to your covered

auto, at the reduced premium charge, provided:

The use of your covered auto to which this

endorsement applies is restricted.

"Restricted" means the vehicle is maintained

principally for use in exhibitions, club activities,

parades or other functions of public interest.

ENDA164 (02-1992)


Policy Number:

Page 1 of 1

Endorsement A 165

Agreed Value Coverage

ENDA165 (04-2007)

With respect to the Agreed Value Coverage(s) shown as applicable to a vehicle described on the Declarations Page, the Limit of Liability and Payment of Loss provisions in Part D are amended as follows:

A. The Limit of Liability provision is replaced with the following:

Limit of Liability

Our limit of liability for any one loss to the your covered auto to which this Agreed Value Coverage applies will be:

1. In the event of a total loss, the Agreed Value shown on the Declarations Page less the salvage if you retain the salvage; or

2. For other than a total loss, the amount necessary to repair or replace the stolen or damaged property with other property of like kind and quality up to the Agreed Value shown on the Declarations Page, less the applicable deductible shown on the Declarations Page.

This policy does not cover a claim for diminished market value of your covered auto .

The most we will pay for loss to any non-owned auto which is a trailer is $500.

Our payment for loss will be reduced by any applicable deductible shown on the Declarations Page that applies to the damaged your covered auto . The Agreed Value shown on the Declarations Page for the damaged your covered auto is our maximum limit of liability for any one loss to that your covered auto .

B. The Payment of Loss provision is replaced by the following:

Payment of Loss

1. If a repair or replacement necessitates the use of replacement parts that are in better condition than what the damaged property was prior to the loss, we will cover the amount of that betterment.

2. Our liability for the amount necessary to repair the damaged property shall be determined by:

a. The prevailing competitive labor rates for the type of damaged property in the area where the property is to be repaired as agreed to by you and us ; and

b. The cost of replacement parts reasonably specified by us in accordance with applicable laws and government regulations. The replacement parts may be new, used, refurbished or restored, and may be made by original equipment manufacturers or by non-original equipment manufacturers. This shall be determined by agreement between you and us .

If we use a part made by a non-original equipment manufacturer, it shall have a manufacturer's warranty that is equal to or greater than the warranty offered by the original equipment manufacturer of the same type of part.

3. The determination of our liability shall not be affected by the amount actually expended to repair the damaged property.

4. In the event of a total loss, we will pay the Agreed Value shown on the Declarations Page in money. For other than a total loss and at our option, we may pay for loss in money or repair or replace the stolen or damaged property.

We may, at our expense, return the stolen property to you at the address shown on the Declarations Page. If we return stolen property, we will pay for any damages resulting from the theft. We may keep all of the property at the Agreed Value shown on the Declarations Page or part of the property at an appraised value.

5. If we pay for loss in money, our payment will include applicable sales tax for the damaged or stolen property.


XXXXXXXXXXXXXXXXXX



Policy Number:

Page 1 of 6

Endorsement

A 178

Kentucky

Basic Personal Injury Protection Coverage

ENDA178 (06-2002)

BASIC PERSONAL INJURY PROTECTION

COVERAGE

The Company agrees with the named insured,

subject to all of the provisions of this coverage and to

all of the provisions of the policy except as modified

herein, as follows:

SECTION I

PERSONAL INJURY PROTECTION COVERAGE

The Company will pay, in accordance with Kentucky

Revised Statutes Chapter 304, Sub Title 39, personal

injury protection benefits for:

(a) medical expense,

(b) work loss,

(c) replacement services loss,

(d) survivor's economic loss,

(e) survivor's replacement services loss, and

(f) funeral expense

incurred with respect to bodily injury sustained by an

eligible injured person and caused by an accident

arising out of the operation, maintenance or use of a

motor vehicle as a vehicle.

Exclusions

This coverage does not apply:

(a) to bodily injury sustained by the named

insured or any relative while occupying any

motor vehicle owned by the named insured

which is not an insured motor vehicle;

(b) to bodily injury sustained by a relative while

occupying any motor vehicle owned by such

relative with respect to which the security

required by the Kentucky Revised Statutes

Chapter 304, Sub Title 39, is not in effect;

(c) to bodily injury sustained by the named

insured or any relative, who has not rejected

his tort limitation pursuant to Kentucky Revised

Statutes Chapter 304, Sub Title 39, while

occupying or while a pedestrian through

being struck by any motor vehicle, other than

the insured motor vehicle, with respect to

which the security required under the Kentucky

Revised Statutes Chapter 304, Sub Title 39, is

in effect unless the provider of such security

fails to make payment for loss within 30 days

of reasonable proof of the fact and the amount

of loss sustained;

(d) to bodily injury sustained by any person if

such injury arises from his conduct within the

course of a business of repairing, servicing or

otherwise maintaining motor vehicles unless

such conduct occurs off the business

premises;

(e) to bodily injury sustained by any person

arising from conduct in the course of loading

or unloading any motor vehicle unless such

conduct occurs while occupying such motor

vehicle;

(f) to bodily injury sustained by any person other

than the named insured or any relative which

arises from the operation, maintenance or use

of a motor vehicle without a good faith belief

that he is legally entitled to do so;

(g) to any benefits any person would otherwise be

entitled to receive hereunder for bodily injury

intentionally caused by such person or arising

out of his intentionally attempting to cause

bodily injury, and, if any person dies as a

result of intentionally causing or attempting to

cause bodily injury to himself, his survivors

are not entitled to any survivor's economic

loss or survivor's replacement services

loss benefits;

(h) to bodily injury sustained by any pedestrian,

other than the named insured or any relative,

outside the Commonwealth of Kentucky;

(i) to bodily injury in excess of the Kentucky

specified minimum limit of liability sustained by

any person, other than the named insured or

any relative while occupying a motor vehicle

of 6

Policy Number:

Endorsement

A 178

Kentucky


ENDA178 (06-2002)

which is regularly used in the course of the

business of transporting persons or property

and which is one of five or more motor

vehicles under common ownership, or a

motor vehicle owned by a government other

than the Commonwealth of Kentucky, its

political subdivisions, municipal corporations,

or public agencies, if the accident occurs

outside the Commonwealth of Kentucky;

Additionally, if the accident causing bodily

injury occurs outside the Commonwealth of

Kentucky, but within the United States, its

territories and possessions, or Canada, the

driver and other occupants of a bus, who have

not rejected the limitation upon their tort rights,

are Kentucky residents, and boarded a bus in

Kentucky, suffer loss from injury arising out of

maintenance of use of a motor vehicle have a

right to basic reparation benefits if the bus is a:

1. A secured vehicle;

2. registered in Kentucky;

3. regularly used in the course of business of

transporting persons or property; and

4. one (1) of five (5) or more vehicles under

common ownership.

(j) to bodily injury sustained by any person

arising out of the use of any motor vehicle

while located as a residence or premises;

(k) to bodily injury due to war, whether or not

declared, civil war, insurrection, rebellion or

revolution, or to any act or condition incident to

any of the foregoing;

(l) to bodily injury resulting from the radioactive,

toxic, explosive or other hazardous properties

of nuclear materials;

(m) to bodily injury sustained by any person while

occupying a motorcycle.

Definitions

When used in reference to this coverage:

"bodily injury" means bodily harm, sickness, disease,

or death;

"Eligible injured person" means:

(a) the named insured or any relative who

sustains bodily injury while occupying or

while a pedestrian through being struck by

any motor vehicle, provided that, if such

person has rejected the limitation upon his tort

rights pursuant to Kentucky Revised Statutes

Chapter 304, Sub Title 39, he shall not be an

eligible injured person, unless basic

personal injury protection coverage has

subsequently been purchased for such person

under this policy, or

(b) any other person who sustains bodily injury

while occupying or while a pedestrian

through being struck by the insured motor

vehicle, provided that, if such person has

rejected the limitation upon his tort rights

pursuant to Kentucky Revised Statutes

Chapter 304, Sub Title 39, he shall not be an

eligible injured person,

however, any rejection of tort limitations applicable

solely to motorcycles shall not affect the status of any

person as an eligible injured person with respect to any

motor vehicle other than a motorcycle;

"funeral expense" means reasonable charges

incurred for expenses in any way related to funeral,

cremation or burial;

"insured motor vehicle" means a motor vehicle with

respect to which:

(a) the bodily injury liability insurance of the

policy applies and for which a specific

premium is charged, and

(b) the named insured is required to maintain

security under the provisions of Kentucky

Revised Statutes chapter 304, Sub Title 39;

"medical expense" means reasonable charges

incurred for reasonably needed products, services, and

accommodation, including those for medical care,

physical rehabilitation, rehabilitative occupational

training, licensed ambulance services and other

remedial treatment and care, any nonmedical remedial

treatment rendered in accordance with a recognized

religious methods of healing, and any healing arts

professions of a type licensed by the Commonwealth

of 6

Policy Number:

Endorsement

A 178

Kentucky


ENDA178 (06-2002)

of Kentucky, provided that medical expense shall not

include that portion of a charge for a room in a

hospital, clinic, convalescent or nursing home, or any

other institution engaged in providing nursing care and

related services, in excess of a reasonable and

customary charge for semi-private accommodations,

unless intensive care is medically required;

"motor vehicle" means a vehicle as defined in

Kentucky Revised Statutes Chapter 304, Sub Title 39;

"named insured" means the person or organization

named in the Declarations;

"occupying" means in or upon, entering into or

alighting from;

"pedestrian" means a person who is not occupying a

motor vehicle at the time the injury occurs;

"relative" means the spouse and any person related to

the named insured by blood, marriage, or adoption

including a minor in the custody of the named

insured, spouse or such related person who is a

resident of the same household as the named

insured, whether or not temporarily residing

elsewhere, but does not include any such person who

is the named insured under any other policy providing

the security under Kentucky Revised Statutes Chapter

304, Sub Title 39;

"replacement services loss" means expenses

reasonably incurred in obtaining ordinary and

necessary services in lieu of those the eligible injured

person would have performed, not for income, but for

the benefit of himself or his family if he had not been

injured;

"survivor" means a person identified in Kentucky

Revised Statutes Section 411.130 as one entitled to

receive benefits by reason of the death of another

person;

"survivor's economic loss" means loss after the

eligible injured person's death of contributions of

things of economic value to his survivors, not

including services they would have received from the

eligible injured person had he not suffered the fatal

injury, less expenses of the survivors avoided by

reason of eligible injured person's death;

"survivor's replacement services loss" means

expenses reasonably incurred by survivors after the

eligible injured person's death in obtaining ordinary

and necessary services in lieu of those the eligible

injured person would have performed for their benefit

had he not suffered the fatal injury, less expenses of

the survivors avoided by reason of the eligible

injured person's death and not subtracted in

calculating survivor's economic loss;

"work loss" means loss of income from work the

eligible injured person would probably have

performed if he had not been injured, and expenses

reasonably incurred by him in obtaining services in lieu

of those he would have performed for income, reduced

by any income from substitute work actually performed

by him.

Policy Period; Territory

This coverage applies only to accidents which occur on

or after July 1, 1975 during the policy period and within

the United States of America, its territories or

possessions, or Canada.

Limits of Liability

Regardless of the number of persons insured, policies

or approved plans of self-insurance applicable, claims

made or insured motor vehicles to which this

coverage applies, the Company's liability for personal

injury protection benefits with respect to bodily injury

sustained by any one eligible injured person in any

one motor vehicle accident shall not exceed $10,000

in the aggregate, and subject to such aggregate limit:

1. the maximum amount payable for work loss,

replacement services loss, survivor's

economic loss, and survivor's replacement

services loss shall not exceed $200 per week

in the aggregate prorated for any lesser period,

provided that if the eligible injured person's

earnings or work are seasonal or irregular, the

weekly limit shall be equitably adjusted or

apportioned on an annual basis;

2. the maximum amount payable for funeral

expense shall not exceed $1,000.

Any amount payable by the Company under the terms

of this coverage shall be reduced by any applicable

of 6

Policy Number:

Endorsement

A 178

Kentucky


ENDA178 (06-2002)

deductible set forth in the Declarations Page, but only

with respect to bodily injury sustained by the named

insured or any relative, providing that, if two or more

such persons sustain bodily injury in the same motor

vehicle accident, such deductible applicable to all of

them shall not exceed such deductible amount and

such amount shall be allocated equally among them.

Provided further that, a named insured or relative is

entitled to receive under this coverage the difference

between this deductible and a greater deductible

applicable under another policy applying to personal

injury protection coverage pursuant to Kentucky

Revised Statutes Chapter 304, Sub Title 39.

In calculating loss or expense from which personal

injury protection benefits are payable under this

coverage, a reduction shall be made in the amount of:

1. all benefits or advantages a person receives or

is entitled to receive from social security

(excluding benefits under Medicare or

Medicaid) and workmen's compensation,

unless these benefits or advantages have not

been received before personal injury protection

benefits are overdue or the claim is paid;

2. any income tax saving resulting from benefits

or advantages received for loss of income

under this coverage or from like benefits or

advantages received under social security or

workmen's compensation which are not

considered taxable income, provided that the

maximum reduction may not exceed 15% of

the loss of income and shall be in lesser

amount if the claimant furnishes to the

Company reasonable proof of a lower value of

the income tax advantage.

Conditions

A. Action Against Company. No action shall lie

against the Company unless as a condition

precedent thereto, there shall have been full

compliance with all the terms of this coverage.

B. Notice. In the event of an accident, written notice

containing particulars sufficient to identify the

eligible injured person, and also reasonably

obtainable information respecting the time, place

and circumstances of the accident shall be given

by or on behalf of each eligible injured person to

the Company or any of its authorized agents as

soon as practicable.

With respect to Personal Injury Protection

Coverage Item C. Conditions replaces Item B.3.

from Part 5 - Duties After an Accident or Loss.

C. Medical Reports; Proof of Claim. As soon as

practicable, the eligible injured person or

someone on his behalf shall give to the Company

written proof of claim, under oath if required,

including full particulars of the nature and extent of

the bodily injury, treatment and rehabilitation

received and contemplated, and such other

information as may assist the Company in

determining the amount due and payable.

The eligible injured person shall submit to

physical and mental examination by physicians

provided the Company has petitioned the circuit

court for an order directing the eligible injured

person to submit to a mental or physical

examination by a physician. The order shall specify

the time, place, manner, conditions, scope of the

examination and the physician by whom it is to be

made.

D. Subrogation. Subject to the provisions of the

Kentucky Revised Statutes Chapter 304, Sub Title

39, in the event of any payment under this

coverage, the Company is subrogated to the rights

of the person to whom or for whose benefit such

payments were made to the extent of such

payments. Such person shall execute and deliver

the instruments and papers and do whatever else

is necessary to secure such rights. Such person

shall do nothing after loss to prejudice such rights.

E. Reimbursement and Trust Agreement. Subject

to the provisions of the Kentucky Revised Statutes

Chapter 304, Sub Title 39, in the event of the

payment to any person under this coverage:

1. the Company shall be entitled to the extent of

such payment to the proceeds of any

settlement or judgment that may result from

the exercise of any rights of recovery of such

person against any person or organization

legally responsible for the bodily injury

because of which such payment is made, and

the Company shall have a lien to the extent of

such payment, notice of which may be given to

the person or organization causing such

of 6

Policy Number:

Endorsement

A 178

Kentucky


ENDA178 (06-2002)

bodily injury, his agent, his insurer or a court

having jurisdiction in the matter;

2. such person shall hold in trust for the benefit of

the Company all rights of recovery which he

shall have against such other person or

organization because of such other person or

organization because of such bodily injury;

3. such person shall do whatever is proper to

secure and shall do nothing after loss to

prejudice such rights; and

4. such person shall execute and deliver to the

Company instruments and papers as may be

appropriate to secure the rights and

obligations of such person and the Company

established by this provision.

F. Non-Duplication of Benefits; Priority of

Payments; Other Insurance.

No eligible injured person shall recover duplicate

benefits for the same elements of loss under this

or any similar insurance, including approved

self-insurance plans. In the event an eligible

injured person has other similar insurance,

including approved self-insurance plans, available

and applicable to the accident, the maximum

recovery under all such insurance shall not exceed

the amount which would have been payable under

the provisions of the insurance providing the

highest dollar limit, and the Company shall not be

liable for a greater proportion of any loss to which

this coverage applies than the limit of liability

hereunder bears to the sum of the applicable limit

of liability of this coverage and such other

insurance.

SECTION II

In consideration of the coverage afforded under

Section II and the adjustment of applicable rates any

amount payable under uninsured motorists coverage

or automobile medical payments or expense

coverages afforded under this policy shall be excess

over any personal injury protection benefits paid or

payable but for the application of a deductible under

this or any other automobile insurance policy because

of bodily injury sustained by an eligible injured

person.

However, no eligible injured person may recover

duplicate benefits for the same element of loss.

SECTION III

Constitutionality Clause

The premium for and the coverages of the policy have

been established in reliance upon the Provisions of the

Kentucky Revised Statutes Chapter 304, Sub Title 39.

In the event a court of competent jurisdiction declares,

or enters a judgment the effect of which is to render,

the provisions of such statutes invalid or unenforceable

in whole or in part, the Company shall have the right to

recompute the premium payable for the policy and the

provisions of this endorsement shall be voidable or

subject to amendment at the option of the Company.

Notice to Policyholders

Acceptance of the coverage described in Kentucky

Revised Statutes Chapter 304, Sub Title 39, places

some limitations on your right to bring suit for bodily

injury, KRS 304.39-060 reads in part:

"(1) Any person who registers, operates, maintains

or uses a motor vehicle on the public roadways of

this Commonwealth shall, as a condition of such

registration, operation, maintenance or use of such

motor vehicle and use of the public roadways, be

deemed to have accepted the provisions of this

act, and in particular those provisions which are

contained in this Section.

(2)(a)Tort liability with respect to accidents

occurring in this Commonwealth and arising from

the ownership, maintenance, or use of a motor

vehicle is abolished for damages because of bodily

injury, sickness or disease to the extent the basic

reparation benefits provided in this Act are payable

therefor, or that would be payable but for any

deductible authorized by this Act, under any

insurance policy or other method of security

complying with the requirements of this Act, except

to the extent non-economic detriment qualifies

under subsection (2)(b) hereof.

(b)In any action of tort brought against the owner,

registrant, operator or occupant of a motor vehicle

with respect to which security has been provided

as required in this Act, or against any person or

organization legally responsible for his acts or

of 6

Policy Number:

Endorsement

A 178

Kentucky


ENDA178 (06-2002)

omissions, a plaintiff may recover damages in tort

for pain, suffering, mental anguish and

inconvenience because of bodily injury, sickness

or disease arising out of the ownership,

maintenance, operation or use of such motor

vehicle only in the event that the benefits which are

payable for such injury as medical expense or

which would be payable but for any exclusion or

deductible authorized by this Act exceed $1,000.00

or the injury or disease consists in whole or in part

of permanent disfigurement, a fracture to a

weight-bearing bone, a compound, comminuted,

displaced or compressed fracture, loss of a body

member, permanent injury within reasonable

medical probability, permanent loss of bodily

function or death. Any person who is entitled to

receive free medical and surgical benefits shall be

deemed in compliance with the requirements of

this subsection upon a showing that the medical

treatment received has an equivalent value of at

least $1,000.

(c)Tort liability is not so limited for injury to a

person who is not an owner, operator, maintainer

or user of a motor vehicle within subsection (1) of

this Section.

(3)Any person may refuse to consent to the

limitations of this tort rights and liabilities as

contained in this Section. Such rejection must be in

writing in a form to be prescribed by the

Department of Insurance and must have been

executed and filed with the Department at a time

prior to any motor vehicle accident for which such

rejection is to apply..."

These are some of the exceptions to the limitations on

your right to sue and are not intended to comprise a

complete enumeration of all circumstances under

which suit may be brought for bodily injury.


Policy Number:

Page 1 of 1

Endorsement

A 179

Kentucky

Additional Personal Injury Protection Coverage

ADDITIONAL PERSONAL INJURY PROTECTION

COVERAGE

It is agreed that the Basic Personal Injury Protection is

amended as shown in the Declarations, but only with

respect to any amount payable there under because of

bodily injury to an eligible injured person who is a

named insured or relative.

1. The absence of an entry in the Declarations

indicates no change in the limits shown in the

Basic Personal Injury Protection for such

benefit.

2. This coverage does not apply to bodily injury

sustained by any person while occupying or

while a pedestrian through having been

struck by a motor vehicle owned by such

person with respect to which the coverage

provided by Additional Personal Injury

Protection Coverage is not in effect.

3. Exclusion C of the Basic Personal Injury

Protection does not apply to the Additional

Personal Injury Protection Coverage.

4. Any amount payable under the coverage

afforded by this endorsement shall be reduced

by the amounts of any benefits payable

pursuant to Kentucky Revised Statutes,

Chapter 304, Sub Title 39 under this or any

other automobile policy or any approved plan

of self-insurance.

5. This endorsement is subject to all the terms

and provisions of the Basic Personal Injury

Protection not expressly modified herein.

ENDA179 (07-2001)


Policy Number:

Page 1 of 1

Endorsement A 538

Identity Theft Coverage

When this endorsement appears on the DeclarationsPage of your policy, we agree to provide thecoverage explained in this endorsement for anadditional premium and your agreement to all of theconditions contained in this endorsement.

1. Definition

a. When used in this endorsement,"identitytheft" means the unlawful, unauthorized useof your identity or a family member’s identitywith the intent to commit activities that arestatutorily defined as fraud or theft.

2. Coverage Provided

a. We will pay the following expenses, up to$10,000 as a result of any one occurrence,incurred by you or a family member as aresult of identity theft:

(1) costs incurred for notarizing fraudaffidavits or other similar financialinstitution documents.

(2) certified mail costs associated with thenotification of law enforcement agencies,credit agencies, financial institutions orsimilar credit grantors.

(3) lost wages due to time taken off work tomeet with, or talk to, law enforcementagencies, credit agencies or legal counsel.Up to a maximum payment of $500 perweek for a maximum period of fourweeks.

(4) duplicate loan application fees, if theoriginal application has been rejectedbecause the lender received incorrectcredit information.

(5) with our prior consent, reasonableattorney fees incurred for:

(a) defense of lawsuits brought againstyou or a family member bymerchants or their collectionagencies;

(b) the removal of any criminal or civiljudgments wrongly entered againstyou or a family member; and

(c) challenging the accuracy orcompleteness of any information in aconsumer credit report.

(6) charges incurred for long distancetelephone calls to merchants, lawenforcement officials, financial institutionsor other credit grantors to report ordiscuss an actual identity theft.

3. Exclusions

a. Under this coverage, we will not pay for any:

(1) loss arising out of business pursuits ofyou or a family member; or

(2) expenses incurred due to any intentional,fraudulent, dishonest or criminal act byyou or a family member or any personacting in connection with you or a familymember, whether acting alone or togetherwith others.

4. Part E - Duties After an Accident or Loss

In addition to the duties listed in your policy underPart E - Duties After an Accident or Loss, a personseeking Identity Theft Coverage must alsoproduce receipts, bills or other records thatsupport the claim for expenses under thiscoverage.

5. Deductible

A $250 deductible applies to any loss covered bythis endorsement.

6. Other Insurance or Other Sources of Recovery

For the coverage provided by this endorsement,the Other Insurance provisions and Other Sourcesof Recovery provisions of your policy arereplaced with the following:


If a loss covered by this endorsement is alsocovered by any other source of recovery, thisinsurance is excess over any amounts payable bythat source of recovery.

All other policy provisions apply.

ENDA538 (02-2006)


Policy Number:

Page 1 of 1

Endorsement B 137 KY

Exclusion of Named Person(s) From All Vehicles(not applicable to a spouse or householddependent)

ENDB137 KY (12-1997)

We agree to issue this policy at the specified premiumprovided that:

It is agreed that is not an insuredunder this policy while driving or operating any vehicle.

It is also agreed that any coverage offered by thispolicy does not apply when the excluded person,named above, is driving or operating any vehicle.

It is further agreed that this policy does not provide anycoverage under Part A - Liability and Part C -Uninsured Motorists coverage for injuries sustained byany person while the excluded person, named above,is driving or operating any vehicle.

With respect to the interest of the loss payee, if any,stated on the Declarations Page, this exclusion doesnot apply to coverage under Part D - Coverage ForDamage To Your Auto.

The undersigned, being the named insured in thepolicy, hereby consents and agrees to the exclusionset forth above and also rejects in writing all Part C -Uninsured Motorists coverage if any vehicle is beingoperated by the excluded driver in the policy.

I have read, understand and accept the conditionsof this restrictive endorsement. I agree that theconsideration for this endorsement is the premiumcharged or the issuance, renewal, or continuationof the policy.

Signature of Named Insured

Date

Signature of Additional Named Insured

Date


Policy Number:

Page 1 of 1

Endorsement B 152

Loan/Lease Gap Coverage

This Endorsement Changes the Policy. PleaseRead it Carefully and Keep It With Your Policy.

The provisions and exclusions that apply to Part D -Coverage for Damage to Your Auto also apply to thisendorsement except the Limit of Liability provision. Inthe event of a covered total loss to your coveredauto shown in the Declarations as being covered forLoan/Lease Gap Coverage, the Limit of Liabilityprovision in Part D - Coverage for Damage to YourAuto, with respect to that coverage, is replaced by thefollowing:

Limit of Liabil ity - Loaned Vehicles

Our limit of liability in the event of a covered total lossto your covered auto that is not a leased vehicle willbe the greater of the:

A. Unpaid principal, less:

1. The amount of finance charges and overdueprincipal, outstanding under a financeagreement used solely to purchase yourcovered auto and its equipment;

2. Costs for extended warranties, Credit Lifeinsurance, Health, Accident or Disabilityinsurance purchased with the loan; or

3. Carry over balances from previous loans.

B. Actual Cash Value of the stolen or damagedproperty.

In the event of a loss the most we will pay is 125% ofthe Actual Cash Value.

If your covered auto is a leased vehicle the limit ofliability provision is replaced by the following:

Limit of Liabil ity - Leased Vehicles

Our limit of liability in the event of a covered total lossto your covered auto that is a leased vehicle will bethe greater of the:

A. Amount due under the terms of the lease to whichyour covered auto is subject, but not to include:

1. Overdue lease payments,

2. Financial penalties imposed because ofexcessive mileage, use, or wear and tear,

3. Security deposits not refunded by the lessor;

4. Costs for extended warranties, Credit Lifeinsurance, Health, Accident or Disabilityinsurance purchased with the leases; or

5. Carry over balances from previous leases.

B. Actual Cash Value of the stolen or damagedproperty.

In the event of a loss, the most we will pay is 125% ofthe Actual Cash Value.

If this coverage applies to a leased vehicle, thefollowing condition also applies:

Additional Condition

This coverage shall apply only to the original leasewritten on your covered auto not previously titled.

ENDB152 (12-2000)


Policy Number:

Page 1 of 1

Endorsement

PA 101

Loss Settlement - Original Equipment

Manufacturer Parts

With respect to the coverage provided by this

endorsement and in consideration of the additional

premium charged, the provisions of the policy apply

unless modified by this endorsement.

A. PART D - COVERAGE FOR DAMAGE TO YOUR

AUTO

1. Part D - Coverage for Damage to Your Auto

as it relates to your covered auto to which

this endorsement applies is amended as

follows:

a. Paragraphs A. 1., A. 2. and B. of the

Limit of Liability provision are replaced

by the following:

LIMIT OF LIABILITY

A. Our limit of liability for loss will be the

lesser of the:

1. Actual cash value of the stolen or

damaged property, reduced by

the salvage value if you or the

owner retain the salvage; or

2. Amount necessary to repair or

replace the property;

B. An adjustment for depreciation and

physical condition will be made in

determining the actual cash value of

your covered auto at the time of

loss.

b. The Payment of Loss provision is

replaced by the following:

PAYMENT OF LOSS

A. We may, at our option, pay to repair

or replace the damaged or stolen

property. We may, at our expense,

return any stolen property to:

1. You; or

2. The address shown in the policy.

B. If we return stolen property we will

pay for any damage resulting from the

theft. We may keep all or part of the

property at an agreed or appraised

value.

C. Whenever reasonably available, we

will use new parts furnished by an

original equipment manufacturer to

repair or replace any damaged parts

of your covered auto.

B. EQUIPMENT AND PARTS NOT COVERED

The coverage provided by this Loss Settlement -

Original Equipment Manufacturer Parts

endorsement does not apply to the following

equipment and parts of your covered auto:

1. Glass used in the windows, windshields or

doors; or

2. Custom equipment.

C. COVERAGE DOES NOT APPLY

This Loss Settlement - Original Equipment

Manufacturer Parts Coverage does not apply to:

1. Your covered auto if it is more than 10 years

old, based on the model year, on the date of

loss.

All other provisions of this policy remain unchanged.

ENDPA101 (10-2013)


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Policy Number:

Page 1 of 1

Endorsement

PA 105

Personal Auto Deductible Waiver





For the purposes of this endorsement, a total loss is

when the amount necessary to repair or replace the

damaged property is equal to or exceeds its actual

cash value.

A. Waiver of Deductible - Collision, Other Than

Collision and Uninsured Motorists Property

Damage

For a your covered auto to which this

endorsement applies, as shown on the

Declarations Page, we will not subtract the

deductible for a covered loss under Part D -

Coverage for Damage to Your Auto, or Part C -

Uninsured Motorists Property Damage in the

following situations:

1. When the loss is a total loss; or

2. When you or a family member collide with

an uninsured motor vehicle. The operator of

the uninsured motor vehicle must be

positively identified and at least 50% at fault.

For the purposes of this coverage, an uninsured

motor vehicle does not include an underinsured

motor vehicle.

B. Waiver of Deductible - Other Personal Property

Coverages

If a loss covered by Part D - Coverage for

Damage to Your Auto occurs that also involves

loss to your personal property, insured by us or

an insurer who is a subsidiary or affiliate of ours,

while being transported by a your covered auto

to which this endorsement applies, the only

deductible that will apply to the entire property

loss is the applicable Collision or Other Than

Collision deductible for your covered auto. This

coverage does not apply to loss by theft except

when there is a total theft of the auto.

C. Waiver of Deductible for the Same Loss -

Damage to Your Covered Autos

When the same loss event covered under Other

Than Collision coverage of Part D - Coverage for

Damage to Your Auto of this policy results in

damage to more than one your covered auto

owned by you or a family member and insured

for Other Than Collision coverage by us or an

insurer who is a subsidiary or affiliate of ours, we

will apply one deductible amount to the entire loss

involving the covered damaged vehicles. The

deductible amount applied to the loss will be the

highest Other Than Collision deductible, shown on

the Declarations Page for the damaged vehicles.

The following provision stated in Part D -

Coverage For Damage To Your Auto of your

policy continues to apply:

We will not subtract the deductible amount for

breakage of glass if the glass is repaired and not

replaced.

D. Tax, Title, and Fees Coverage

In the event of a total loss to your covered auto

to which this endorsement applies as shown on

the Declarations Page, we will reimburse you, up

to a maximum of $1,000, for expenses you incur

for taxes, title, and fees in purchasing a

replacement vehicle.

The loss must be covered by Part D - Coverage

for Damage to Your Auto of this policy and, the

replacement vehicle must be purchased within

sixty days of the date that we reach a settlement

with you on the vehicle that is being replaced.

You must submit proper receipts to us for

expenses claimed under this coverage.


ENDPA105 (10-2013)


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Policy Number:

Page 1 of 1

Endorsement

PA 107

Personal Auto Mobile Devices Coverage





A. Electronic Equipment and Accessories

(Cell Phone, Smartphone, Tablet, iPods, mp3

Players)

The provisions and exclusions that apply to Part D

- Coverage for Damage to Your Auto of the

policy also apply to this coverage except as

modified by this endorsement.

With respect to the vehicles shown on the

Declarations Page as subject to this endorsement,

we will pay for direct and accidental loss to:

1. Radios, compact disc players, cell phones

and smartphones, iPods, mp3 players,

electronic tablets and readers, and other

similar devices; and

2. Accessories to these devices, including

protective covers, adapter plugs or cords, ear

pieces or headphones, antennas, compact

discs and records.

B. This coverage applies only if the electronic

equipment and accessories described above:

1. Is your property or that of a family member;

2. At the time of loss is in your covered auto or

any non-owned auto; and

3. Is not permanently installed in your covered

auto or any non-owned auto.

C. The limit of our liability for all losses as a result of

any one occurrence shall not exceed $1,000,

regardless of the number of items damaged,

subject to a $100 deductible.

We will not pay for more than 1 claim or loss

under this coverage during the policy term.

D. Any person seeking coverage under this

endorsement must:

1. Promptly notify the police and complete a

police report for any item that is stolen;

2. Make an inventory of all damaged, destroyed

or stolen property showing in detail the:

quantity, cost, description, actual cash value

and amount of loss claimed. Attach all bills,

receipts and related documents that justify the

figures in the inventory;

3. Produce for examination, with permission to

copy, all books of account, bills, invoices,

receipts and other vouchers as we may

reasonably require, that support ownership of

the damaged, destroyed or stolen property.

E. Exclusions

In addition to the Part D - Coverage for Damage

to Your Auto Exclusion that apply to your policy,

the following exclusion also applies to this

coverage:


1. Loss or damage to, or the cost to restore,

programs, software, applications, songs,

games or any similar content contained in or

on the device or that the device accesses or

uses.

2. Loss or damage to devices covered by this

endorsement if the device was being used by

the driver to text messages while driving, or in

violation of the law.

3. Loss or damage to any equipment or devices

designed or used for the detection or location

of speed measuring equipment such as radar

or laser detectors and any jamming apparatus

intended to elude or disrupt speed

measurement equipment.

All other provisions of this policy remain

unchanged.

ENDPA107 (10-2013)



XXXXXXXXXXXXXXXXXX



Policy Number:

Page 1 of 1

Endorsement

PA 108

Personal Auto Pet Injury Coverage





A. Pet Injury Coverage

1. Insuring Agreement

If a domestic dog or cat owned by you or a

family member sustains injury or death as a

result of a loss covered by this policy while

that domestic dog or cat is inside the

passenger compartment of your covered

auto or a non-owned auto, we will pay up to

$1,000 for:

a. Reasonable and customary veterinary

expenses incurred by you or a family

member as a result of injuries:

(1) Sustained by the domestic dog or cat

owned by you or a family member;

and

(2) Arising from the covered accident.

b. Replacement cost of your domestic dog

or cat if it dies in the covered accident.

2. Definitions

“Replacement cost” as used in this Pet Injury

Coverage means the cost actually incurred to

replace the deceased dog or cat within 90

days of the covered loss with one of like kind

and quality. It does not include any amounts

for veterinary bills, training, or any other

amounts other than the cost to replace the pet

itself.

3. Limits of Liability

Our limit of liability for any one covered loss

under this Pet Injury Coverage will be limited

to the least of the following:

a. The replacement cost of the deceased

dog or cat;

b. The amount actually paid for reasonable

and customary veterinary expenses

incurred by you or a family member

within 90 days from the date of loss;

c. The combination of 3.a. and 3.b. above;

or

d. $1,000.

Regardless of the number of domestic dogs or

cats owned by you or a family member that

are injured or die in the covered accident, our

total payment for any one loss is limited to

$1,000.

No deductible applies to this Pet Injury

Coverage.


ENDPA108 (10-2013)


XXXXXXXXXXXXXXXXXX



Policy Number:

Page 1 of 1

Endorsement

PA 109

Personal Auto New Auto Replacement Cost

Coverage





For the purposes of this endorsement, a total loss is

when the amount necessary to repair or replace the

damaged property is equal to or exceeds its actual

cash value.

A. New Auto Replacement Cost Coverage

In the event of a covered total loss to your

covered auto to which this endorsement applies

as shown on the Declarations Page, we will pay to

replace that vehicle as explained in this coverage.

This New Auto Replacement Cost Coverage

applies if you are the original owner of the vehicle

and the vehicle was not previously titled. This

New Auto Replacement Cost Coverage does not

apply to:

1. Your covered auto that is a motor home,

snowmobile, golf cart, all-terrain vehicle, dune

buggy, go-cart, hovercraft, or similar type

vehicle;

2. A leased vehicle; and

3. Your covered auto if it is more than 2 years

old as determined by the purchase date on

your original title for that vehicle and the date

of loss.

B. The amount we will pay to replace your covered

auto will not exceed the cost of a new vehicle of

the same make and model with the same

equipment or, if a new vehicle of the same make

and model with the same equipment is not

available, the cost of a new vehicle that is similar

in:

1. Size, class, body type and equipment; and

2. Price you paid for your covered auto being

replaced, as adjusted for inflation, but not to

exceed an amount equal to 125% of the

Manufacturer's Suggested Retail Price of the

vehicle being replaced.

A new vehicle is one that has not been previously

titled and is of the latest model year available at

the time of the loss.

C. Any amounts payable under this New Auto

Replacement Cost Coverage will be reduced by:

1. Any amount paid or payable under Part D -

Coverage for Damage to Your Auto for

Other Than Collision, or Collision coverage of

this policy;

2. Any deductible for which you are responsible

under Part D - Coverage for Damage to

Your Auto for Other Than Collision, or

Collision coverage of this policy; and

3. The dollar amount of unrepaired damage

which occurred prior to the total loss of the

vehicle.


ENDPA109 (10-2013)


XXXXXXXXXXXXXXXXXX



Policy Number:

Page 1 of 1

Endorsement

PA 110

Personal Auto Towing and Labor Costs

Coverages





This Personal Auto Towing and Labor Costs

Coverages apply to a your covered auto to which

this endorsement applies and for which a specific

premium charge is made as shown on the

Declarations Page. This coverage also applies to a

non-owned auto while operated or used by you.

A. Towing and Labor Costs

1. If your covered auto or a non-owned auto

is disabled, we will pay the fair cost incurred

for:

a. Mechanical labor at the place of its

breakdown;

b. Towing to the nearest place where

necessary repairs can be made during

regular business hours if it will not run;

c. Towing it out if stuck on or immediately

next to a public highway; and

d. Delivery of gas, oil, loaned battery, or

change of tire. We do not pay for the cost

of these items.

B. Locksmith Coverage

We will reimburse you for the cost of emergency

locksmith services performed at the location of the

vehicle disablement, by a professional locksmith.

We will not pay more than $75 for each

occurrence. You must submit proper receipts to

us for expenses claimed under this coverage.

C. Lodging Coverage

When a loss covered by Part D - Coverage for

Damage to Your Auto of the policy occurs more

than 100 miles from the address shown on the

Declarations Page, we will reimburse you up to

$40 per day, up to a maximum of $200, for

lodging expenses you incur. The loss must

disable an auto to which this endorsement applies.



D. Air Bag Replacement Coverage

If an air bag of a vehicle to which this

endorsement applies deploys without the auto

being involved in an accident, we will reimburse

you for the cost of replacing the air bag.




ENDPA110 (10-2013)


XXXXXXXXXXXXXXXXXX



Policy Number:

Page 1 of 2

Endorsement

PA 111

Personal Auto Rental Reimbursement /

Transportation Expenses Coverage

ENDPA111 (10-2013)



premium charged for each vehicle, the provisions of

the policy apply unless modified by this endorsement.

This Personal Auto Rental Reimbursement /

Transportation Expenses Coverage applies to a your

covered auto to which this endorsement applies and

for which a specific premium charge is made as shown

on the Declarations Page.

A. Rental Reimbursement / Transportation

Expenses

1. We will reimburse you for expenses you incur

to rent a substitute auto. This coverage applies

only if:

a. Your covered auto is withdrawn from use

for more than 24 hours; and

b. The loss is caused by collision, or is

covered under Part D - Coverage for

Damage to Your Auto of this policy.

However, this coverage does not apply when

there is a total theft of the auto.

2. The Transportation Expenses coverage of Part

D - Coverage for Damage to Your Auto, is

replaced by the following:

a. In addition, we will pay up to the lower of

the daily or maximum limit stated on the

Declarations Page for transportation

expenses incurred by you. This applies

only in the event of the total theft of your

covered auto. We will pay only

transportation expenses incurred

beginning 24 hours after the theft.

3. Our payment under paragraph A.1. and A.2. of

this Rental Reimbursement / Transportation

Expense will be limited to the earliest of the

following:

a. When your covered auto has been

returned to you;

b. When your covered auto has been

repaired;

c. When your covered auto has been

replaced;

d. That period of time reasonably required to

repair your covered auto; or

e. 72 hours after we make an offer to settle

the loss if your covered auto is deemed

by us to be a total loss.

4. You must provide us written proof of your

rental charges to be reimbursed.

B. Rental Car Loss of Use Coverage

If there is a covered Collision or Other Than

Collision loss to a private passenger auto that you

rent from a licensed rental car agency, we will

reimburse you up to $1,000 for the rental fee,

which would have been paid had the rental car not

been damaged, subject to the following conditions:

1. You must be liable by contract to continue

payment of the rental fee as the result of a

covered loss, that would prevent rental of this

private passenger auto to others by the

licensed rental agency.

2. The coverage period will begin the day

following the date of the loss, which resulted in

the rental car being unavailable for use,

provided that you have promptly notified us of

the loss or damage. The coverage period will

end, regardless of the expiration of the policy

term:

a. The day the repairs are completed; or

b. The day we make payment for

replacement of the rental car; or


XXXXXXXXXXXXXXXXXX


of 2

Policy Number:

Endorsement

PA 111

Personal Auto Rental Reimbursement /

Transportation Expenses Coverage

ENDPA111 (10-2013)

c. Thirty days after the date that this

coverage period begins;

whichever comes first. However, coverage will

not exceed a period longer than that required

with the exercise of due diligence and dispatch

to repair or replace the rental car.





XXXXXXXXXXXXXXXXXX


Policy Number:

Page 1 of 1

grangeinsurance.com

NOT0023 KY (06-1990)

Important Notice

Higher Limits Available

For UM/UIM and PIP

We are required by your state insurance laws to notify you that higher limits for uninsured motorist,

underinsured motorist and personal injury protection may be available to you. Our maximum limit for uninsured

motorist and underinsured motorists coverage is $250,000 per person/$500,000 per accident and our maximum

limit for personal injury protection is $50,000.

If you desire to increase your present coverage limits, please contact your agent for additional information.

Please note that an increase in coverage will result in additional premium charges.

Policy Number:

Page 1 of 1

grangeinsurance.com

NOT0024 KY (05-2012)

Important Notice

Credit Usage

On Your Policy

Dear Policyholder:

Kentucky House Bill 497 (Effective July 12, 2012) requires insurers that use credit information to provide

reasonable exceptions to its rates, rating classifications, company/tier placement, or underwriting rules and/or

guidelines to an insurance policyholder whose credit has been directly and adversely influenced by any of the

following events:

· Catastrophic events, as declared by the state or federal government;

· Serious illness or injury, or serious illness or injury to an immediate family member;

· Death of spouse, child, or parent;

· Divorce or involuntary interruption of legally-owed alimony or support payments;

· Identity theft;

· Temporary loss of employment for a period of three (3) months or more resulting from involuntary

termination; or

· Military deployment overseas.

If a policyholder submits a request for an exception within sixty (60) days from the date of the application or

renewal (if applicable), we may require the person to provide reasonable documentation to verify the event and

demonstrate that the event negatively impacted the policyholder's insurance score. Within thirty (30) days of

receipt of the documentation verifying the event, we shall notify the policyholder about the outcome of the

request.

To request an exception, please send your request as indicated below.

Grange Mutual Casualty Company

Attn: Personal Lines Kentucky Underwriting Unit

671 South High St.

P.O. Box 1218

Columbus, OH 43216-1218

Named Insured and Address

DEC0001 (09-2011) Page 1 of 3

Auto Policy Declarations Page

This is not a bill.

Issued by: Grange Property & Casualty Insurance Company, A Wholly-Owned Stock Subsidiary of Grange Mutual

Casualty Company, 671 South High Street, Columbus, OH 43206-1066

Policy Effective Dates: 10/01/2014 to 04/01/2015 12:01 a.m. ET at the address of the named insured as shown, and

for additional six month periods if renewed, as provided in the policy. These declarations with policy provisions,

applications, forms and endorsements, if any, complete the above numbered policy.

Total Policy Premium Summary

Your Auto policy includes coverage for the following:

Policy Number: PA 1123536-00

Policy Type: Personal Auto

Reason Issued: New Business

Effective Date:

Print Date: 03/05/2014

Year Make Model VIN Premium

2013 Ford Taurus 1FAHP2KT1DG104968 $626.97

2009 Toyt Corolla JTDBL40E299030421 $654.40

The total premium shown does not include any applicable billing fees.

Per Policy Premium Charges

$48.00

Total Policy Premium $1,329.37

Did You Know...

Got questions? We’ve got answers.

Policy Information: If you have any questions about your coverages or other ways to save with Grange, be sure

to contact your agent, Gainweb Test-KY at (614) 449-2900.

Claims Assistance: To report or check on a claim, call (800) 445-3030or visit grangeinsurance.com.

Billing Questions: To inquire about your bill or pay it, call (800) 425-1100 or visit grangeinsurance.com.

Discounts

For a description of these discounts, please reference the Discounts applied to your policy section.

Policy Discounts

Advance Quote, Insurance Score, and Multi-Policy

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Page 2 of 3

Policy Coverages

Coverages Limits of Liability Premium

Part C - Uninsured Motorists Each Person Each Accident

Bodily Injury $50,000 $50,000 $24.00

Underinsured Motorists

Bodily Injury $50,000 $50,000 $24.00

Per Policy Premium $48.00

Vehicle Coverages

Coverage is provided where a premium is shown for the vehicle and coverage. The coverages listed below apply

separately for each vehicle and are provided only where a premium or included is shown. The limit of liability

applies separately for each vehicle. Where there are multiple vehicles on the policy, stacking of any limits of

liability among the vehicles is not allowed.

Additional Interests

Chase Bank, 650 South Front Street, Columbus, Ohio 43206

Type of Interest: Additional Insured - Lessor


Part A - Liability

Bodily Injury

Each Person

$50,000

Each Accident

$50,000

$73.26

Property Damage $15,000 $65.00

Personal Injury Protection $10,000 $36.00

P.I.P. Deductible $500 Included

Part B - Medical Payments

$1,000 $11.00

Part D - Damage to Your Auto Deductible

Other Than Collision $200 $82.00

Collision $200 $280.00

Municipal Taxes/Collection Fee; Albany $69.00

Surcharge Required by KRS 136.392

$10.71

Vehicle Premium $626.97


emrichl

Text Box



Page 3 of 3

Vehicle Coverages (Continued)


Part A - Liability

Bodily Injury

Each Person

$50,000

Each Accident

$50,000

$65.00

Property Damage $15,000 $69.00

Personal Injury Protection $10,000 $65.00

P.I.P. Deductible $500 Included

Part B - Medical Payments

$1,000 $20.00

Part D - Damage to Your Auto Deductible

Other Than Collision $100 $89.00

Collision $100 $270.00

Municipal Taxes/Collection Fee; Albany $66.00


$10.40

Vehicle Premium $654.40

ext to make row not empty, font is white

End of Declarations Page


emrichl

Text Box

RAT0001 (09-2011)

Policy Number:

Policy Type:

Page 1 of 1

Rating Information Page

Vehicle Information Symbol

Vehicle # Year Make Model VIN Coll OTC Use

1 2013 Ford Fusion 3FA6P0H74DR175368 25 25 Pleasure

2 2003 Ford Trail Lite E 1FDWE35S83HA31361 1 1 Pleasure

3 1987 Chev Corvette 1G1YY21B9H5104554 5 5 Restricted

4 2007 Diam Dg612Sae 5UZBE12127D002024 1 1 Pleasure

5 2012 Skid Mxzx 2BPSMKCB5CV000096 2 2 Pleasure

Driver Information

Driver # Name Gender Marital Status Date of Birth

1 Laurahp Testing Female Married **/**/1970

2 Mister Testing Male Married **/**/1949

3 John Testing Male Single **/**/1960

4 Alice Testing Female Single **/**/1980

5 Doug Testing Male Single **/**/1960

6 Lisa Testing Female Single **/**/1994


Grange Insurance

Page 1 of 6

Today's Date: Insured Phone:

Policy Number: Insured E-Mail:

Premium Collected:

Grange Property & Casualty Ins. Co., A Grange Insurance Company, 671 South High Street, 43206-1066

Kentucky PinPoint Auto

®

Application

GWA0001KY (09-2013)

Policy

Effective Date: 10/01/2014 Expiration Date: 04/01/2015

Binder Effective Date: Expiration Date: Time Bound:

If this 'Binder' section above is completed, the following conditions apply: This Company binds the kind(s) of

insurance stipulated on this application. This insurance is subject to the terms, conditions and limitations of

the policy(ies) in current use by the Company. This binder may be cancelled by the insured by surrender of this

binder or by written notice to the Company stating when cancellation will be effective. This binder may be

cancelled by the Company by notice to the insured in accordance with the policy conditions. This binder is

cancelled when replaced by a policy. If this binder is not replaced by a policy, the Company is entitled to

charge a premium for the binder according to the rules and rates in use by the Company. The quoted premium

is subject to verification and adjustment, when necessary, by the Company.

Notice of Insurance Information Practices

Personal information about you, including information from a credit report, may be collected from persons

other than you in connection with this application for insurance and subsequent amendments and renewals.

Such information, as well as other personal and privileged information collected by us or our agents, may in

certain circumstances be disclosed to third parties without your authorization. In connection with this

application for insurance, we may review your credit report or obtain or use a credit based insurance score

based on the information contained in that credit report. We may use a third party in connection with the

development of your insurance score. You have the right to review your personal information in our files and

can request correction of any inaccuracies. A more detailed description of your rights and our practices

regarding such information is available upon request. Contact your agent or broker for instructions on how to

submit a request to us.

Insurance Fraud

WE ARE REQUIRED BY KENTUCKY LAW TO GIVE YOU THE FOLLOWING NOTICE: Any person who knowingly and

with intent to defraud any insurance company or other person files an application for insurance containing

any materially false information or conceals, for the purpose of misleading, information concerning any fact

material thereto commits a fraudulent insurance act, which is a crime.

Anti-Theft Discount Notice

A discount is available on your Other Than Collision Premium if your motor vehicle is equipped with a qualified

Anti-Theft Device. If you have an Anti-Theft Device, please ask your agent if it qualifies.

Rejection of Uninsured Motorist Coverage - READ BEFORE SIGNING

I understand the State requires that Family Protection against Uninsured Motorist be afforded me under my

motor vehicle liability policy unless I specifically reject this coverage. Accordingly, I reject this coverage, and

direct the Company to issue my policy without said coverage.

Applicant Signature: _____________________________ Co-Applicant Signature: _____________________________

Rejection of Underinsured Motorist Coverage - READ BEFORE SIGNING

I understand the State requires that Family Protection against Underinsured Motorist be made available to me

under my motor vehicle liability policy. I reject this coverage, and direct the Company to issue my policy

without said coverage.


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Grange Insurance

Page 2 of 6 GWA0001KY (09-2013)


®

Application

Option - Lower Uninsured (UM) and Underinsured (UIM) Motorist Coverage - READ BEFORE SIGNING

I understand the State requires UM and UIM coverage equal to my BI liability limits, unless I specifically elect

limits lower than my BI liability limits. I understand the significance of these coverages and have selected

limits lower than my liability limits, as indicated in the Policy/Coverage section of this application. I direct the

Company to issue my policy with these reduced coverages.


Insurer's Statement

THE POLICY OF INSURANCE FOR WHICH THIS APPLICATION IS BEING MADE, IF ISSUED, MAY BE CANCELLED

WITHOUT CAUSE AT THE OPTION OF THE INSURER AT ANY TIME IN THE FIRST 60 DAYS DURING WHICH IT IS IN

EFFECT, AND AT ANY TIME THEREAFTER FOR REASONS STATED IN THE POLICY.

Applicant's Statement - READ BEFORE SIGNING

I have read the entire application and to the best of my knowledge and belief all of the statements made herein

are true. I understand that this application is part of my policy contract.

I understand if any check, draft, electronic funds transfer, or any remittance, other than cash, is not honored

by my bank, the Company shall be deemed not to have accepted the payment and the policy may be deemed

void from inception and I will be charged a processing fee. I also understand if I fail to make initial payment,

the policy may also be voided from inception.

Producer Statement

I certify to the best of my knowledge and belief that the signature of the applicant is the personal signature of

the applicant.

Signature

I understand that the coverage selection and limit choices indicated here will apply to all future renewals,

continuations and changes unless I notify the Company otherwise.

Applicant

Signature: ______________________________

Date: Time: Eastern

Producer

Signature: ______________________________ Date: Time: Eastern


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Grange Insurance

Page 3 of 6


®

Application

GWA0001KY (09-2013)

Current Policy Coverages

Coverage Limit or Deductible Premium

Uninsured Motorists Bodily Injury

$100,000 / Person - $300,000 / Accident $28.00

Underinsured Motorists Bodily Injury

$100,000 / Person - $300,000 / Accident $28.00

Per Policy Premium $56.00

VIN:

Use:

Type:

OTC Symbol:

Performance:

Collision Symbol:

Tax Code:

Coverage

Limit or Deductible

Premium

Bodily Injury

$100,000 / Person - $300,000 / Accident $89.26

Property Damage

/ Accident

Personal Injury Protection

/ Accident

Personal Injury Protection Deductible

Medical Payments

/ Person

Other Than Collision

Deductible

Collision

Deductible

Municipal Taxes/Collection Fee;


$8.45

Vehicle Premium

$448.71


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Grange Insurance

Page 4 of 6 GWA0001KY (09-2013)


®

Application

VIN:

Use:

Type:

OTC Symbol:

Performance:

Collision Symbol:

Tax Code:

Coverage

Limit or Deductible

Premium

Bodily Injury

$100,000 / Person - $300,000 / Accident $37.00

Property Damage

/ Accident

Personal Injury Protection

/ Accident

Medical Payments

/ Person


Deductible

Collision

Deductible



Coverage for Damage to Your Auto (Part D) A160

(03-2011)

Vehicle Premium

$145.43

VIN:

Use:

Type:

OTC Symbol:

Performance:

Collision Symbol:

Tax Code:

Coverage

Limit or Deductible

Premium


$250 Deductible $38.00

Collision

Deductible



Covered Property Coverage A159 (01-2009) Included

Vehicle Premium

$310.18

Total Premium

$960.32

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Grange Insurance

Page 5 of 6 GWA0001KY (09-2013)


®

Application

Driver Information

Drv Name Sex Mar Rel Date of

Birth

ACN ACE ACC MAJ DWI MIN SPD

1 Shawna Hartsaugh F S

I **/**/1963 0 0 0 0 0 0 0

Discounts

Policy Discounts

Advance Quote and Insurance Score

Prior Policy Information

Prior Auto Carrier:

Other

Policy Number:

Expiration Date:

10/01/2014

Prior BI Limits:

Equal to 100/300, 150/300, or 300 CSL

General Information I have read and answered the following questions. Yes responses are answered in the "Remarks" section of

this application.

Yes No

X

Has any owner, applicant, operator, spouse, additional insured or household resident been

convicted of fraud or intent to defraud involving insurance claims or an application for insurance?

X

Has any owner, applicant, operator, spouse, additional insured or household resident been

convicted of a felony driving conviction in the past 5 years, or any degree of arson?

X

Has any owner, applicant, operator, spouse, additional insured or household resident had a

foreclosure, repossession, bankruptcy, judgement or lien during the past 5 years?

X

Is any owner, applicant, operator, spouse, additional insured or household resident in the process

of being foreclosed on or filing and or have completed the process of foreclosure or bankruptcy?

X

Any other losses or traffic violations incurred within the past 3 years not indicated on this

application?

X

Any other automobile insurance in household? (including any provided by employer)

X

Are there any owners, regular operators, household residents, including roommates, who meet the

minimum driving age requirement and are not disclosed on this application?

X

Are there any primary drivers with less than 3 years driving experience that do not have

supporting auto business from a parent or guardian?

X

Does any operator, of legal driving age, not have a valid driver's license?

X

Does any household member or regular operator have a suspended or revoked license?

X

Any operators with physical or mental impairments?

X

Is any vehicle, for which insurance is requested, not solely owned by and registered to the

applicant, excluding lienholder, lessors, etc.?

X

Any vehicle kept at another location not disclosed on application?


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Grange Insurance

Page 6 of 6 GWA0001KY (09-2013)


®

Application

X

Has any vehicle been altered or modified from its original manufactured state including special

equipment?

X

Any existing damage to vehicle (including glass) that has not been repaired?

X

Are there any other vehicles that are required to be registered or licensed for road use, in the

household for which insurance is not being requested through this company?

X

Are there any other vehicles that are required to be registered or licensed for road use, in the

household with different coverage limits?

X

Is vehicle used, licensed or tagged for commercial use?

Remarks

None provided.


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Please refer to the reverse side for more information.

Mail this portion with your payment.

Make checks payable to:

UBSC0001

INV20140060000010679 14-00678 0 2/18/2014

Minimum Payment Due $162.00

Payment Enclosed:

Grange Auto Notice of Cancellation

Minimum payment is currently past due.

Policy Number:

PIN:

Due: IMMEDIATELY

Payment Coupon

PA 6602601

0601

ADDRESS SERVICE REQUESTED

Cancellation Date: 2/18/2014

Due: IMMEDIATELY

Minimum Payment Due: $162.00

Print Date:

2/1/2014

Policy Number:

PA 6602601

Policy Effective Date: 8/26/2013 - 2/26/2014

Vehicle(s) Covered: 2005 Ford F-150, 2005 Ford Taurus, and 2010 Trai 28rlc

Reason: Non-Payment of Premium

We appreciate the confidence you have placed in us to serve your insurance needs. We have not received payment for

the invoice we mailed on January 6, 2014. If we do not receive your minimum payment of $162.00, your policy will cancel

as of 12:01 a.m. on February 18, 2014. Your Kentucky Identification Cards are not valid if your policy cancels.

There is still time to keep your policy in effect. We must receive the minimum payment of $162.00 before February 18,

2014 to maintain coverage.

This notice complies with the conditions of your policy and the laws of your state.

Got questions? We've got answers.


Claims Assistance: To report or check on a claim, call (800) 445-3030 or visit grangeinsurance.com.

Policy Information: If you have any questions about your coverages or other ways to save with

Grange, be sure to contact your agent, Jayne Houselog Agency at (563) 875-2443.

Your PIN is 0601. Use it when you call or go online. And thank you for being a Grange customer.


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Billing and Cancellation Information:

Payment will be applied to current balance in the following order:

1. Fees

· A Returned Payment Fee of $20.00 applies when payment is not honored for insufficient funds.

· A Reinstatement Fee of $25.00 applies if the policy cancels for non-payment, including returned payment, and

reinstatement is approved.

· A maximum Service Charge Fee of $5.00 applies for each invoice.

2. Prior Term Premium Due

3. Current Term Balance Due

If the payment amount is less than the Minimum Payment due, the policy will cancel. Any payment received will be applied

to any outstanding balance before a refund is issued.



ADDRESS SERVICE REQUESTED

UBSCX0001

Cancellation Date:

2/18/2014

Print Date:

2/1/2014

Policy Number:

Grange Auto Notice of Cancellation

Policy Effective Date:

Reason: Non-Payment of Premium

We appreciate the confidence you have placed in us to serve your insurance needs. We are unable to

process your payment since your bank returned or refused your payment. Your policy will cancel as of

12:01 a.m. on February 18, 2014. You will be billed separately for any earned premium still due. Your

Kentucky Identification Cards are not valid if your policy cancels.


Your agent Jayne Houselog Agency also received a copy of this notice and can be contacted at

(563) 875-2443 if you have any questions.

Vehicle(s) Covered:






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1. Fees

· A Returned Payment Fee of applies when payment is not honored for insufficient funds.



· A maximum Service ChargeFee of applies for each invoice.



If the payment amount is less than the Minimum Payment due, the policy will cancel. Any payment received will be applied






Mail this portion with you r payment.


UBSV0001

INV20140060000010679 14-00678 0 2/18/2014


Payment Enclosed:

Grange Auto Void at Inception Notice


Policy Number:

PIN: Due: IMMEDIATELY

Payment Coupon

PA 6602601

0601

ADDRESS S ERVICE REQUESTED

Void Date: 8/26/2013

Due: IMMEDIATELY


Print Date:

2/1/2014

Policy Number: PA 6602601



Reason: Non-Payment of New Business Premium


the invoice we mailed on January 6, 2014. If we do not receive your minimum payment of $162.00, your policy will be void

as of 12:01 a.m. on August 26, 2013. Your Kentucky Identification Cards are not valid if your policy voids.









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1. Fees




· A maximum Service ChargeFee of $5.00 applies for each invoice.



If the payment amount is less than the Minimum Payment due, the policy will void. Any payment received will be applied






Mail this portion with you r payment.


UBSL0001

INV20140060000010679 14-00678 0 2/18/2014


Payment Enclosed:

Grange Auto Lapse Notice


Policy Number:

PIN: Due: IMMEDIATELY

Payment Coupon

PA 6602601

0601

ADDRESS S ERVICE REQUESTED

Lapse Date: 8/26/2013

Due: IMMEDIATELY


Print Date:

2/1/2014

Policy Number: PA 6602601



Reason: Non-Payment of Renewal Premium


the invoice we mailed on January 6, 2014. If we do not receive your minimum payment of $162.00, your policy will lapse

as of 12:01 a.m. on August 26, 2013. Your Kentucky Identification Cards are not valid if your policy lapses.









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1. Fees




· A maximum Service ChargeFee of $5.00 applies for each invoice.



If the payment amount is less than the Minimum Payment due, the policy will lapse. Any payment received will be applied





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Policy Number: @@@ !!!!!!!A 154 KYEndorsement

Personal Auto Plus Endorsement

1.For the additional premium charged for eachvehicle, the provisions and exclusions that apply tothe policy also apply to this endorsement, except asmodified by this endorsement.

You must be liable by contract to continuepayment of the rental fee as the result of acovered loss, that would prevent rental of thisprivate passenger auto to others by thelicensed rental agency.

For the purposes of this endorsement, a total loss iswhen the amount necessary to repair or replace thedamaged property is equal to or exceeds its actualcash value.

2. The coverage period will begin the dayfollowing the date of the loss, which resultedin the rental car being unavailable for use,provided that you have promptly notified usof the loss or damage. The coverage periodwill end, regardless of the expiration of thepolicy term:

A. Waiver of Deductible - Collision and OtherThan Collision

We will not subtract the deductible for a coveredloss in the following situations:

a. the day the repairs are completed; or1. When the loss is a total loss; or, b. the day we make payment for replacement

of the rental car; or2. When you collide with an uninsured motorvehicle. The operator of the uninsured motorvehicle must be positively identified and atleast 50% at fault.

c. thirty days after the date that this coverageperiod begins;

whichever comes first. However, coverage willnot exceed a period longer than that requiredwith the exercise of due diligence and dispatchto repair or replace the rental car.

For the purposes of this coverage, an uninsuredmotor vehicle does not include an underinsuredmotor vehicle.

B. Waiver of Deductible - Other Personal PropertyCoverages

You must submit proper receipts to us forexpenses claimed under this coverage.

If a loss covered by Part D occurs, that alsoinvolves loss to your personal property insuredby us, while being transported by an auto towhich this endorsement applies, the onlydeductible that will apply to the entire propertyloss is the Collision or Other Than Collisiondeductible for the covered auto. This coveragedoes not apply to loss by theft except when thereis a total theft of the auto.

Tax, Title, and Fees CoverageD.

In the event of a total loss to a vehicle to whichthis endorsement applies, we will reimburse you,up to a maximum of $1,000, for expenses youincur for taxes, title, and fees in purchasing areplacement auto.

The loss must be covered by Part D of this policyand, the replacement auto must be purchasedwithin sixty days of the date that we reach asettlement with you on the auto that is beingreplaced.

C. Rental Car Loss of Use Coverage

If there is a Collision or Other Than Collisionloss to a private passenger auto that you rentfrom a licensed rental car agency, we willreimburse you up to $1,000 for the rental fee,which would have been paid had the rental carnot been damaged, subject to the followingconditions:


BK721O (3-2008) continued...

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E. Air Bag Replacement Coverage H. Locksmith Coverage

We will reimburse you for the cost of replacingan air bag if it deploys without the auto beinginvolved in an accident.

We will reimburse you for the cost of emergencylocksmith services performed at the location of thevehicle disablement, by a professional locksmith.

We will not pay more than $75 for eachoccurrence. You must submit proper receipts tous for expenses claimed under this coverage.


Lodging CoverageF.I. New Auto Replacement Cost Coverage

When a loss covered by Part D of the policyoccurs more than 100 miles from the addressshown in the Declarations, we will reimburse youup to $40 per day, up to a maximum of $200, forlodging expenses you incur. The loss must disablean auto to which this endorsement applies.

In the event of a covered total loss to yourcovered auto to which this endorsement appliesas shown on the Declarations Page, we will payto replace that vehicle as explained in thiscoverage. This New Auto Replacement CostCoverage applies if you are the original owner ofthe vehicle and the vehicle was not previouslytitled. This New Auto Replacement CostCoverage does not apply to:


G. Electronic Equipment and Accessories

The provisions and exclusions that apply to PartD of the policy also apply to this section of thisendorsement except Exclusion 4. and anydeductible.

1. your covered auto that is a motor home,snowmobile, golf cart, all-terrain vehicle,dune buggy, go-cart, hovercraft, or similartype vehicle;

With respect to the vehicles shown in theDeclarations as subject to this endorsement, wewill pay for direct and accidental loss to:

2. a leased vehicle; and

3. your covered auto if it is more than 1 year oldas determined by the purchase date on youroriginal title for that vehicle and the date ofloss.

1. radios, tape players, compact disc players,mobile and cellular phones and other similardevices; and

The amount we will pay to replace your coveredauto will not exceed the cost of a new vehicle ofthe same make and model with the sameequipment or, if a new vehicle of the same makeand model with the same equipment is notavailable, the cost of a new vehicle that is:

2. accessories to these devices, includingantennas, tapes, compact discs and records.

This coverage applies only if the electronicequipment and accessories described above:

1. is your property or that of a family member;1. similar in size, class, body type and

equipment; and 2. at the time of loss is in your covered auto orany non-owned auto; and

2. similar in price to the price you paid for yourcovered auto being replaced, as adjusted forinflation, but not to exceed an amount equalto 110% of the Manufacturer's SuggestedRetail Price of the vehicle being replaced.

3. is not permanently installed in your coveredauto or any non-owned auto.

The limit of our liability for all losses as a resultof any one occurrence shall not exceed $300.

BK721O (3-2008) page 2

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A new vehicle is one that has not beenpreviously titled and is of the latest model yearavailable at the time of the loss.

Any amounts payable under this New AutoReplacement Cost Coverage will be reduced by:

1. any amount paid or payable under Part D -Coverage for Damage to Your Auto for OtherThan Collision, or Collision coverage of thispolicy;

2. any deductible for which you are responsibleunder Part D - Coverage for Damage to YourAuto for Other Than Collision, or Collisioncoverage of this policy; and

3. the dollar amount of unrepaired damagewhich occurred prior to the total loss of thevehicle.

J. Waiver of Deductible for the Same Loss -Damage to Your Covered Autos

When the same loss event covered under OtherThan Collision coverage of Part D of this policyresults in damage to more than one vehicleowned by you or a family member and insuredfor Other Than Collision coverage by us or aninsurer who is a subsidiary or affiliate of ours,we will apply one deductible amount to theentire loss involving the covered damagedvehicles. The deductible amount applied to theloss will be the highest Other Than Collisiondeductible, shown on the Declarations Page forthe damaged vehicles.

The following provision stated in Part D of yourpolicy continues to apply:

We will not subtract the deductible amount forbreakage of glass if the glass is repaired and notreplaced.

This endorsement should be attached to your policyas it constitutes an important part of the contract.

BK721O (3-2008) page 3

Supporting Document Schedules Bypassed - Item: Certification of Flesch Score (if applicable)Bypass Reason: Certification included in Explanatory Memo attached belowAttachment(s):Item Status:Status Date:

Bypassed - Item: Filing FeeBypass Reason: EFT FilingAttachment(s):Item Status:Status Date:

Bypassed - Item: Third Party Authorization (if applicable)Bypass Reason: n/a, not a third party filingAttachment(s):Item Status:Status Date:

Satisfied - Item: Explanatory MemoComments:Attachment(s): Explanatory Memo.pdfItem Status:Status Date:







Grange Property & Casualty Insurance Company Personal Auto and Miscellaneous Auto

State of Kentucky

With this filing we are submitting for your approval new and revised forms to be effective with our new Personal Auto and Miscellaneous Auto rate plan (PinPoint Auto® 3.0) effective for new business July 17, 2014 with renewal business effective January 17, 2015.

For your review, we have included the policy documents that apply to our Personal Auto and Miscellaneous Auto program. With this revision we are changing our company printing system. In this filing, any form with “Replaced” action status attached to the Form Schedule tab no t shown be l ow is an exact match for the form it is replacing. The text on the form has remained identical to the previously filed and approved form, however the placement on the page, font, spacing and overall appearance are reflective of our new print system. Revised Endorsement Description of Changes

Extended Non‐Owned ENDA16

Business exclusion removed from this endorsement and added to policy amendatory endorsement

Miscellaneous Type Vehicles ENDA158KY

Exclusion for permanently installed items removed and added to policy amendatory endorsement

Coverage for Damage to Your Auto ENDA160

Exclusion for permanently installed items removed and added to policy amendatory endorsement

Snowmobile ENDA161

Exclusion for permanently installed items removed and added to policy amendatory endorsement; exclusion for racing removed as it is already addressed in policy contract; corrected typo referencing incorrect exclusion number in Medical Payments Coverage.

We are also making a few form changes with this revision. Our Personal Auto Plus endorsement is being replaced with several new forms (see chart below), a Personal Auto Amendatory endorsement has been created and the following form is being withdrawn:

Audio/Visual Equipment Endorsement A151 Existing Endorsement New Endorsements

Personal Auto Plus A154

Towing and Labor Coverage PA 110 will be added if Towing and Labor Coverage is not currently on policy

Rental Reimbursement Coverage PA 111 with 30‐900 limits will be added if Rental Reimbursement Coverage is not currently on policy

New Auto Replacement Coverage PA 109 (if vehicle is less than three years old)

Deductible Waiver Endorsement PA 105

Mobile Device Coverage PA 107

Grange Property and Casualty Insurance Company certifies that the attached new forms are in compliance with Kentucky readability and intelligibility standards and when combined with the policy contract, meet or exceed the minimum required readability score. The attached forms represent final printed copies of the new and revised material. To the best of our knowledge and belief, we certify that the subject filing complies with the Kentucky Insurance Laws.

Thank you for your timely review and please do not hesitate to contact me if there are any questions I might be able to answer in order to expedite the approval of this filing. Respectfully, Sharon Daehler Personal Lines Compliance Analyst (800) 422‐0550 ext. 3179 [email protected]

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