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State Farm Car Policy Booklet

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State Farm Car Policy Booklet Please read the policy carefully. If there is an accident, contact your State Farm agent or one of our Claim Offices at once. (See “INSURED’S DUTIES” in this policy booklet.) State Farm® Car Policy Booklet Nevada Policy Form 9828A CONTENTS THIS POLICY..................................................... 3 Nonduplication .................................................19 Exclusions ........................................................19 DEFINITIONS..................................................... 4 If Other Physical Damage Coverage or Similar Coverage Applies...............................................21 LIABILITY COVERAGE .................................. 5 Financed Vehicle ..............................................21 Additional Definition......................................... 5 Our Payment Options ......................................21 Insuring Agreement............................................ 6 Supplementary Payments................................... 6 Limits................................................................. 6 DEATH, DISMEMBERMENT AND Nonduplication................................................... 7 LOSS OF SIGHT COVERAGE .......................22 Exclusions.......................................................... 7 Additional Definition .......................................22 If Other Liability Coverage Applies................... 8 Insuring Agreement ..........................................22 Required Out-of-State Liability Coverage ......... 9 Financial Responsibility Certification ............... 9 Benefit..............................................................22 Exclusions – Death, Dismemberment and MEDICAL PAYMENTS COVERAGE.............. 9 Loss of Sight Coverage and Loss of Earnings Additional Definitions ....................................... 9 Coverage ..........................................................23 Insuring Agreement.......................................... 10 Our Payment Options– Death, Dismemberment Determining Medical Expenses ....................... 10 and Loss of Sight Coverage and Loss of Limit ................................................................ 10 Earnings Coverage ...........................................24 Exclusions........................................................ 10 If Other Medical Payments Coverage or LOSS OF EARNINGS COVERAGE ...............23 Similar Vehicle Insurance Applies ....................11 Our Payment Options....................................... 12 Additional Definitions......................................23 Insuring Agreement ..........................................23 UNINSURED MOTOR VEHICLE Limit.................................................................23 COVERAGE .............................................................12 Exclusions– Death, Dismemberment and Additional Definitions ..................................... 12 Loss of Sight Coverage and Loss of Earnings Insuring Agreement.......................................... 13 Coverage ..........................................................23 Consent to Settlement ...................................... 13 Our Payment Options – Death, Dismemberment Deciding Fault and Amount ............................. 13 and Loss of Sight Coverage and Loss of Limits............................................................... 13 Earnings Coverage ...........................................24 Nonduplication................................................. 14 INSURED’S DUTIES ........................................24 Exclusions........................................................ 14 If Other Uninsured Motor Vehicle Coverage Notice to Us of an Accident or Loss.................24 Applies ............................................................. 15 Notice to Us of a Claim or Lawsuit..................24 Our Payment Options....................................... 15 Insured’s Duty to Cooperate With Us...............24 PHYSICAL DAMAGE COVERAGES ........... 15 Questioning Under Oath...................................24 Additional Definitions ..................................... 16 Insuring Agreements........................................ 16 Other Duties Under the Physical Damage Coverages...........................................24 Supplementary Payments – Comprehensive Coverage and Collision Coverage ................... 17 Other Duties Under Medical Payments Limits and Loss Settlement – Comprehensive Coverage, Uninsured Motor Vehicle Coverage and Collision Coverage...................... 18 Coverage, Death, Dismemberment and Limits – Car Rental and Travel Expenses Loss of Sight Coverage, and Loss of Coverage.......................................................... 19 Earnings Coverage ...........................................25 2 9828A GENERAL TERMS .......................................... 25 Cancellation......................................................27 When Coverage Applies .................................. 25 Assignment.......................................................27 Where Coverage Applies ................................. 25 Bankruptcy or Insolvency of the Insured .........28 Newly Owned or Newly Leased Car ............... 26 Concealment or Fraud ......................................28 Changes to This Policy .................................... 26 Our Right to Recover Our Payments................28 Premium........................................................... 26 Legal Action Against Us...................................28 Renewal ........................................................... 27 Choice of Law ..................................................29 Nonrenewal...................................................... 27 Severability ......................................................29 THIS POLICY 1. This policy consists of: (2) Neither you nor any member of your household has, within the past three a. the most recently issued Declarations years, had: Page; (a) vehicle insurance canceled or b. the policy booklet version shown on that nonrenewed by an insurer; or Declarations Page; and (b) either: c. any endorsements that apply, including those listed on that Declarations Page as (i) a license to drive; or well as those issued in connection with any (ii) a vehicle registration subsequent renewal of this policy. suspended, revoked, or refused. 2. This policy contains all of the agreements be- (3) Your car is used for pleasure and tween all named insureds and applicants and: business. a. us; and 4. All named insureds and applicants agree by b. any of our agents. acceptance of this policy that: 3. We agree to provide insurance according to the a. the statements in 3.b. above are made by the named insured or applicant and are terms of this policy: true; and a. based on payment of premium for the cov- erages chosen; and b. we provide this insurance on the basis those statements are true. b. unless otherwise stated in EXCEPTIONS, POLICY BOOKLET, AND ENDORSE- 5. Your purchase of this policy may allow you to purchase certain coverages, coverage options, MENTS on the Declarations Page, in reliance coverage deductibles, coverage limits, or cov- on the following statements: erage terms on other policies from the State (1) The named insured is the sole owner Farm Companies, subject to their applicable of your car. eligibility rules. 3 9828A DEFINITIONS We define certain words and phrases below for use Non-Owned Car means a car that is in the lawful throughout the policy. Each coverage includes ad- possession of you or any resident relative and that ditional definitions only for use with that coverage. neither: These definitions apply to the singular, plural, and possessive forms of these words and phrases. De- 1. is owned by: fined words and phrases are printed in boldface a. you; italics. b. any resident relative; Bodily Injury means bodily injury to a person and c. any other person who resides primarily in sickness, disease, or death that results from it. your household; or Car means a land motor vehicle with four or more d. an employer of any person described in a., wheels, designed for use primarily on public roads. b., or c. above; nor It does not include: 2. has been operated by, rented by, or in the pos- 1. Any vehicle while located for use as a dwelling session of: or other premises; or a. you; or 2. A truck-tractor designed to pull any type of b. any resident relative trailer. during any part of each of the 31 or more con- Car Business means a business or job where the secutive days immediately prior to the date of purpose is to sell, lease, rent, repair, service, mod- the accident or loss. ify, transport, store, or park land motor vehicles or any type of trailer. Occupying means in, on, entering, or exiting. Fungi means any type or form of fungus or fungi Our means the Company issuing this policy as and includes: shown on the Declarations Page. 1. Mold; Owned By means: 2. Mildew; and 1. owned by; 3. Any of the following that are produced or re- 2. registered to; or leased by fungi: 3. leased, if the lease is written for a period of 31 a. Mycotoxins; or more consecutive days, to. b. Spores; Pedestrian means a person who is not occupying: c. Scents; or 1. a motorized vehicle; or d. Byproducts. 2. a vehicle designed to be pulled by a motorized vehicle. Newly Acquired Car means a car newly owned by Person means a human being. you. A car ceases to be a newly acquired car on the earlier of: Private Passenger Car means: 1. the effective date and time of a policy, includ- 1. a car of the private passenger type,
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