AFA30: Allstate Fire and Casualty Insurance Company Auto Policy

Allstate Fire and S Casualty Insurance CompanyA Auto Policy NEVADA Policy: M Effective:

Issued to: P L E

D O C U M E

AFA30 N T Allstate Fire and Casualty Insurance Company

TABLE OF CONTENTS Insured Persons ...... 11 Definitions ...... 11 GENERAL ...... 2 Exclusions What Is Not Covered ...... 11 WhenSAnd Where The Policy Applies ...... 2 Payment of Benefits; Autopsy ...... 11 Limited Mexico Coverage ...... 2 Consent of Beneficiary ...... 12 Changes ...... 2 Proof of Claim; Medical Reports...... 12 Duty To Report Policy Changes ...... 3 Combining LimAits Of Two Or More Autos Part 4 Automobile Disability Income Protection Prohibited ...... 3 Coverage CW...... 12 Transfer ...... 3 Insuring Agreement...... 12 Cancellation ...... M ...... 3 Insured Persons...... 12 Termination ...... 4 Definitions ...... 12 Payment ...... 4 Exclusions What Is Not Covered ...... 12 What Law Will Apply ...... 4 To Whom And When Payment is Made ...... 13 Where Lawsuits May Be BroPught ...... 4 Proof of Claim; Medical Reports...... 13 Part 1 Automobile Liability Insurance Part 5 Uninsured Motorists Insurance Bodily Injury Coverage AA Coverage SS...... 13 Property Damage CoveragLe BB ...... 5 Insuring Agreement...... 13 Insuring Agreement ...... 5 Insured Persons...... 13 Additional Payments We Will Make ...... 5 Insured Auto Means A Motor Vehicle...... 13 Insured Persons ...... E5 An Uninsured Auto Is...... 14 Insured Autos ...... 5 An Uninsured Auto Is Not ...... 14 Definitions ...... 6 Definitions ...... 14 Exclusions What Is Not Covered ...... 6 Exclusions What Is Not Covered ...... 14 Financial Responsibility ...... 7 Limits Of Liability...... 15 Limits Of Liability ...... 7 If There Is Other Insurance ...... 15 If There Is Other Insurance ...... 7 Proof Of Claim; Medical Reports...... 15 Assistance And Cooperation ...... 7 Assistance And Cooperation...... 16 Action Against Us ...... 8 DTrust Agreement...... 16 What To Do In Case Of An Accident Or Claim ..8 Payment Of Loss By Us...... 16 Action Against Us ...... 16 Part 2 Automobile Medical Payments If We Cannot Agree...... 16 Coverage CC ...... 8 O Insuring Agreement ...... 8 Part 6 Protection Against Loss To The Auto Insured Persons ...... 8 Coverages DD,DE,HH,HE,HF,HG, JJ, Insured Autos...... 8 UU,CZA,ZZ ...... 16 Definitions...... 9 Insuring Agreements For Each Coverage ...... 16 Exclusions What Is Not Covered ...... 9 Additional Payments We Will Make ...... 18 Limits Of Liability ...... 9 Insured Autos ...... 19 Unreasonable or Unnecessary Medical Definitions ...... U ...... 19 Expenses...... 10 Exclusions What Is Not Covered ...... 20 If There Is Other Insurance...... 10 Right To Appraisal ...... 20 Assistance And Cooperation ...... 10 Payment Of Loss By Us...... 20 Action Against Us...... 10 Limits Of Liability...... M ...... 21 Proof Of Claim; Medical Reports ...... 10 If There Is Other Insurance ...... 21 Action Against Us ...... 21 Part 3 Automobile Death Indemnity Insurance Subrogation Rights...... E...... 21 Coverage CM...... 11 Loss Payable Clause...... 21 Insuring Agreement ...... 11 What You Must Do If There Is A Loss...... 22 NPage 1 T Allstate Fire and Casualty Insurance Company

Allstate Fire and Casualty Insurance adjustment of the claim will be as follows. The repair Company or replacement costs will not exceed the cost of having the repairs or replacements made at the nearest point in the United States where the repairs TheSCompany Named in the Policy Declarations or replacements can be made. The cost for towing, A Stock Company transportation and salvage operations of the Home Office: Northbrook, Illinois auto while within Mexican territory are not covered under A this policy. This policy is a legal contract between you and us. A coverage applies only when a premium for it is shown on the Policy Declarations. If more than one WARNING auto is insured, premMiums will be shown for each Unless you have auto or aircraft insurance written by auto. However, only one premium will be shown for a Mexican insurance company, you may spend many Automobile Death Indemnity, Automobile Disability hours or days in jail if you have an accident in Income and Uninsured Motorists Insurance Mexico. Insurance coverage should be secured from regardless of the number of Pinsured. If pay autos you a company licensed under the laws of Mexico to the premiums when due and comply with the policy write such insurance in order to avoid complications terms, we, relying on the information you have given and some other penalties possible under the laws of us, make the following agreements withLyou. Mexico, including the possible impoundment of your auto or aircraft. When And Where The Policy Applies Your policy applies only during the policy period. Changes During this time, it applies to losses to the auEto, accidents and occurrences within the United States Premium Changes of America, its territories or possessions or Canada, The premium for each auto is based on information or between their ports. we have received from you or other sources. You agree to cooperate with us in determining if this The policy period is shown on the Policy information is correct, if it is complete, and if it Declarations. If we offer to renew your policy, you changes during the policy period. You agree that if may continue the policy for a successive period of six Dthis information changes or is incorrect or months by paying the required premium when due. If incomplete, we may adjust your premium the required premium payment isn’t received when accordingly during the policy period. due, the insurance coverage described in the renewal offer and any endorsements to the renewal ChanOges which result in a premium adjustment are offer will not become effective. contained in our rules. These include, but are not limited to: Limited Mexico Coverage 1. autos insured by the policy, including changes in use.C For your protection you should purchase insurance from a company licensed in Mexico. However, the 2. drivers residing in your household, their ages coverage of this policy for an insured private or marital status. passenger or utility auto is extended to cover that U auto within the Republic of Mexico. This coverage 3. coverages or coverage limits. applies only while the insured auto is within 75 miles of the United States border and only for a period not 4. rating territory. to exceed ten days after each separate entry into the M Republic of Mexico. 5. discount eligibility. If loss or damage occurs which may require repair of E the insured auto or replacement of any part(s) while the auto is in Mexican territory, the basis for NPage 2 T Allstate Fire and Casualty Insurance Company

Any calculation or adjustment of your premium will 3. you pay the additional premium. be made using the rules, rates and forms in effect, and on file if required, for our use in your state. COMBINING LIMITS OF TWO OR MORE S AUTOS PROHIBITED Coverage Changes IF YOU HAVE TWO ORMORE AUTOS INSUREDIN When we broaden a coverage during the policy YOUR NAME AND ONE OF THESE AUTOS IS INVOLVED period withouAt additional charge, you have the new IN AN ACCIDENT, ONLY THE COVERAGE LIMITS feature if you have the coverage to which it applies. SHOWN ON THE POLICY DECLARATIONS FOR THAT The new feature applies on the date the coverage AUTO WILL APPLY. WHEN YOU HAVE TWO OR MORE change is effective in your state. Otherwise, the AUTOS INSURED IN YOUR NAME AND NONE OF THEM policy can be changeMd only by endorsement. Any IS INVOLVED IN THE ACCIDENT, YOU MAY CHOOSE change in your coverage will be made using the ANY SINGLE AUTO SHOWN ON THE POLICY rules, rates and forms in effect, and on file if DECLARATIONS AND THE COVERAGE LIMITS required, for our use in yourPstate. APPLICABLE TO THAT AUTO WILL APPLY. Duty To Report Policy Changes THE LIMITS AVAILABLE FOR ANY OTHER AUTO Your policy was issued in reliance on the information COVEREDBY THE POLICYWILL NOT BE ADDED TO you provided concerning autos and pLersons insured THE COVERAGE FOR THE INVOLVED ORCHOSEN by the policy. To properly insure your auto, you AUTO. should promptly notify us when you change your address or whenever any resident operators insured Transfer by this policy are added or deleted. E This policy can’t be transferred to anyone without our written consent. However, if you die, coverage will You must tell us within 30 days when you acquire a be provided until the end of the policy period for: replacement auto. If you don’t, certain coverages of 1. your legal representative while acting as such, this policy may not apply. and

When you acquire an additional auto, we will provide 2. persons covered on the date of your death. 30 days of coverage immediately after you become D the owner. However, we will provide this coverage Cancellation only if: You may cancel this policy by notifying us the future 1. you acquire the auto during the policy period; dateOyou wish to stop coverage. 2. you tell us within 30 days of acquiring the We may cancel part or all of this policy by mailing auto; notice to you at your last known address. If we cancel becauCse you didn’t pay the premium, the date 3. no other insurance policy provides coverage of cancellation will be at least 10 days after the date for the auto; and of mailing. If we cancel for any reason other than non-payment of premium, we will give you notice as 4. you pay the additional premium. follows: U 1. During the first 60 days the original policy is in We will not provide coverage for more than 30 days effect, we will give you at least 10 days notice unless: of cancellation. 1. you ask us to insure the additional auto within M 30 days after you become the owner; 2. After the first 60 days, we will give you 30 days notice of cancellation. 2. we agree to provide the coverage you select E for this auto; and NPage 3 T Allstate Fire and Casualty Insurance Company

Proof of mailing the notice will be proof of notice. A tender payment by check, draft, or other remittance refund, if due, will be proportional to the time your which is not honored upon presentation, your policy policy has been in effect, but cancellation will be will terminate on the date and time shown on the effectivSe even if the refund is not made immediately. cancellation notice and any notice we issue which waives the cancellation or reinstates coverage is After your original policy has been in effect 60 days, void. This means that we will not be liable under this we won’t cancel your coverage during the policy policy for claims or damage after the date and time period unlessA: indicated on the cancellation notice. 1. you don’t pay the premium when it’s due; What Law Will Apply 2. you or any memMber of your household are This policy is issued in accordance with the laws of convicted of a crime due to acts which Nevada and covers property or risks principally increase the hazard we insure against; located in Nevada. Subject to the following paragraph, any and all claims or disputes in any way 3. fraud or material misrepPresentation is used in related to this policy shall be governed by the laws of obtaining the policy or making a claim; Nevada.

4. an act or omission, or a violation of any If a covered loss to the auto, a covered auto condition of the policy, occurs Lduring the accident, or any other occurrence for which coverage policy period which substantially and applies under this policy happens outside Nevada, materially increases the hazard we insure claims or disputes regarding that covered loss to the against; E auto, covered auto accident, or other covered occurrence may be governed by the laws of the 5. a material change in the nature or extent of the jurisdiction in which that covered loss to the auto, risk occurs during the policy period which covered auto accident, or other covered occurrence causes the risk of loss to be substantially and happened, only if the laws of that jurisdiction would materially increased; or apply in the absence of a contractual choice of law provision such as this. 6. we have mailed notice within the first 60 days that we don’t intend to continue the policy. DWhere Lawsuits May Be Brought Subject to the following two paragraphs, any and all If don’t intend to continue the policy beyond the we lawsuits in any way related to this policy shall be current policy period, we will mail you notice at least brouOght, heard, and decided only in a state or federal 30 days before the end of the policy period. court located in Nevada. Any and all lawsuits against persons not parties to this policy but involved in the Any unearned premium amounts under $2.00 will be sale, administration, performance, or alleged breach refunded only upon your request. of this policyCor involved in any other way with this policy, shall be brought, heard, and decided only in a Termination state or federal court located in Nevada, provided If we offer to renew your policy and your required that such persons arUe subject to or consent to suit in premium isn’t received when due, you will have the courts specified in this paragraph. rejected our renewal offer. This means that the insurance coverage described in the renewal offer If a covered loss to the auto, a covered auto and any endorsements to the renewal offer will not accident, or any other occurMrence for which coverage become effective. applies under this policy happens outside Nevada, lawsuits regarding that covered loss to the auto, Payment covered auto accident, or other covered occurrence If we mail a cancellation notice because you didn’t may also be brought in the judicial dEistrict where that pay the required premium when due and you then NPage 4 T Allstate Fire and Casualty Insurance Company covered loss to the auto, covered auto accident, or limit of liability. We aren’t required to apply for other covered occurrence happened. or furnish these bonds.

NothiSng in this provision, Where Lawsuits May Be We will repay an insured person for: Brought, shall impair any party’s right to remove a 1. the cost of any bail bonds required due to an state court lawsuit to a federal court. accident or traffic law violation involving the use of the insured auto. We won’t pay more Part 1 A than $300 per bond. We aren’t required to Automobile Liability Insurance apply for or furnish these bonds. Bodily Injury CoMverage AA 2. any expense incurred for first aid to others at Property Damage Coverage BB the time of an auto accident involving the We will pay damages an insured person is legally insured auto. obligated to pay because of: 1. bodily injury sustainedPby any person, and Insured Persons 1. While using your insured auto: 2. damage to, or destruction of, property. a) you, b) any resident, and Under these coverages, your policy pLrotects an c) any other person using it with your insured person from liability for damages arising out permission. of the ownership, maintenance or use, loading or unloading of an insured auto. E 2. While using a non-owned auto: a) you, and We will defend an insured person sued for damages b) any resident relative using a four wheel which are covered by this policy, even if the suit is private passenger auto or utility auto. groundless or false. We will choose the counsel. We may settle any claim or suit if we believe it is proper. 3. Any other person or organization liable for the We will not defend an insured person sued for use of an insured auto if the auto is not owned damages which are not covered by this policy. or hired by the person or organization provided D the use is by an insured person under 1. or 2. Additional Payments We Will Make above. When we defend an insured person under this part, we will pay: InsureOd Autos 1. up to $50 a day for loss of wages or salary if 1. Any auto described on the Policy Declarations. we ask that person to attend hearings or trials This includes the four wheel private passenger to defend against a bodily injury suit. We won’t auto or utility auto you replace it with. pay for loss of other income. We will pay other C reasonable expenses incurred at our request. 2. An additional four wheel private passenger auto or utility auto you acquire immediately 2. court costs for defense. after you becoUme the owner. 3. interest accruing on damages awarded. We However, we will provide this coverage only if will pay this interest only until we have paid, offered, or deposited in court the amount for we or one of our affiliates insure all other which we are liable under this policy. We will private passenger autoMs or utility autos you only pay interest on damages not exceeding own, and you pay the additional premium. our limits of liability. Coverage will be continued beyond this 30 day 4. premiums on appeal bonds and on bonds to period only if: E release attachments, but not in excess of our NPage 5 T Allstate Fire and Casualty Insurance Company

a) you ask us to continue coverage within 30 Exclusions What Is Not Covered days after you acquire the auto or utility We will not pay for any damages an insured person is auto; legally obligated to pay because of: bS) we agree to continue coverage for this 1. bodily injury or property damage arising out of additional auto or utility auto; and the use of your insured auto while used to c) you pay the additional premium. carry persons or property for a charge, or any A auto you are driving while available for hire by 3. A substitute four wheel private passenger auto the public to the extent that the limits of or utility auto not owned by you or a resident, liability for this coverage exceed the limits of being temporarily used while your insured liability required by the Nevada financial auto is being servMiced or repaired, or if your responsibility law. This exclusion does not insured auto is stolen or destroyed. apply to shared-expense car pools.

4. A non-owned auto used by you or a resident 2. bodily injury or property damage arising out of relative with the ownerP’s permission. This auto the use of a non-owned auto in any business must not be available or furnished for the or occupation of an insured person to the regular use of an insured person. extent that the limits of liability for this coverage exceed the limits of liability required 5. A trailer while attached to an inLsured auto. The by the Nevada financial responsibility law. trailer must be designed for use with a private However, this exclusion does not apply while passenger auto or utility auto. This trailer you, your chauffeur or domestic servant are can’t be used for business purposes wEith other using a private passenger auto or trailer. than a private passenger auto or utility auto. 3. bodily injury to an employee of any insured Definitions person arising in the course of employment. 1. We, Us, or Our means the company as shown This exclusion does apply to your domestic on the Policy Declarations. employee who is not required to be covered by a workers compensation law or similar law. 2. Auto means a land motor vehicle designed for D use on public roads. 4. bodily injury to a co-worker injured in the course of employment. This exclusion does not 3. Bodily injury means bodily injury, sickness, apply to you. disease or death. O 5. damage to or destruction of property an 4. Resident means a person who physically insured person owns, transports, is in charge resides in your household with the intention of of, or rents. However, a private residence or a continuing residence there. Your unmarried garageCrented by that person is covered. dependent children while temporarily away from home will be considered residents if they 6. bodily injury or property damage which may intend to resume residing in your household. reasonably be expected to result from the intentional actsUof an insured person or which 5. Utility auto means an auto of the pick-up are in fact intended by an insured person to body, sedan delivery or panel truck type. This the extent that the limits of liability for this auto must have a rated load capacity of not coverage exceed the limMits of liability required more than 2,000 pounds. by the Nevada financial responsibility law.

6. You or Your means the policyholder named on 7. bodily injury or property damage which would the Policy Declarations and that policyholder’s also be covered under nuclearEenergy liability resident spouse. insurance to the extent that the limits of NPage 6 T Allstate Fire and Casualty Insurance Company

liability for this coverage exceed the limits of THERE WILL BE NO DUPLICATION OF PAYMENTS liability required by the Nevada financial MADE UNDERTHE BODILY INJURY LIABILITY responsibility law. This applies even if the COVERAGE, UNINSURED MOTORISTS COVERAGE, limSits of that insurance are exhausted. AND MEDICAL PAYMENTS COVERAGE OF THIS POLICY. 8. bodily injury or property damage arising out of the participation in any prearranged, AN AUTO ANDATTACHED TRAILER ARE CONSIDERED organizedA, or spontaneous: ONE AUTO. ALSO, AN AUTOAND A MOUNTED a) racing contest; CAMPER UNIT, TOPPER, CAP ORCANOPY ARE b) speed contest; or CONSIDERED ONE AUTO. c) use of an aMuto at a track or course designed or used for racing or high IF THERE IS OTHER INSURANCE performance driving; IF AN INSURED PERSON IS USING A SUBSTITUTE or in practice or preparation for any contest or PRIVATE PASSENGER AUTO OR NON-OWNED AUTO, use of this type. P OUR LIABILITY INSURANCE WILL BE EXCESS OVER OTHER COLLECTIBLE INSURANCE. IF MORE THAN Financial Responsibility ONE POLICY APPLIES ON A PRIMARY BASIS TO AN When this policy is certified as proofLunder any motor ACCIDENT INVOLVING YOUR INSURED AUTO, WE WILL vehicle financial responsibility law, this policy will BEAR OUR PROPORTIONATE SHARE WITHOTHER comply with the provisions of that law. COLLECTIBLE LIABILITY INSURANCE. LIMITS OF LIABILITY E THIS INSURANCE WILL BE EXCESS OVERANY THE LIMITS SHOWN ON THE POLICY DECLARATIONS INSURANCE COVERING AN AUTOMOBILE BUSINESS ARE THE MAXIMUM WE WILL PAYFORANY SINGLE WHILE YOURINSURED AUTO IS BEINGOPERATEDBY AUTO ACCIDENT. THE LIMIT STATEDFOREACH A PERSON ENGAGED IN THAT AUTOMOBILE PERSON FOR BODILY INJURY IS OUR TOTAL LIMIT OF BUSINESS. AN AUTOMOBILE BUSINESS INCLUDES LIABILITY FOR DAMAGES BECAUSE OF BODILY REPAIRING, SERVICING, TESTING, PARKING, INJURY SUSTAINED BY ONE PERSON IN ANY SINGLE STORING, DELIVERING, ORSELLINGOF AUTOS. AUTO ACCIDENT, INCLUDINGDAMAGES SUSTAINED D BYANYONE ELSE AS A RESULT OF THAT BODILY IF AN INSURED PERSON IS OPERATINGAN AUTO INJURY.SUBJECT TOTHE LIMIT FOREACH PERSON, OWNED BY AN AUTOMOBILE BUSINESS, BEING THE LIMIT STATED FOREACH OCCURRENCE IS OUR TEMPORARILYUSED WHILE YOURINSURED AUTO IS TOTAL LIMIT OF LIABILITY FORDAMAGES FOR BEINOG REPAIRED ORSERVICED BY THAT BUSINESS, BODILY INJURY SUSTAINED BY TWOOR MORE THIS INSURANCE WILL BE PRIMARY. PERSONS IN ANY SINGLE AUTO ACCIDENT. FOR PROPERTY DAMAGE, THE LIMIT APPLIES TO Assistance And Cooperation DAMAGES ARISING FROM EACH OCCURRENCE. When we asCk, an insured person must cooperate with us in the investigation, settlement and defense THE LIABILITY LIMITS APPLY TO EACH INSURED AUTO of any claim or lawsuit. If we ask, that person must AS SHOWN ON THE POLICY DECLARATIONS. THE also help us obtain pUayment from anyone who may INSURINGOF MORE THAN ONE PERSON OR AUTO be jointly responsible. UNDER THIS POLICY WILL NOT INCREASE OUR LIABILITY LIMITS BEYOND THE AMOUNT SHOWN FOR We can’t be obligated if an insured person voluntarily ANY ONE AUTO, EVEN THOUGH A SEPARATE takes any action or makes anMy payments other than PREMIUM IS CHARGED FOR EACH AUTO. THE LIMITS for covered expenses for bail bonds or first aid to ALSO WON’T BE INCREASED IF YOU HAVE OTHER others. AUTOINSURANCE POLICIES THAT APPLY. E NPage 7 T Allstate Fire and Casualty Insurance Company

Action Against Us Insured Persons No insured person may sue us under this coverage 1. You and any resident relative who sustains unless there is full compliance with all the policy bodily injury while in, on, getting into or out of, termsS. or when struck by, an auto or trailer. The use of a non-owned auto must be with the owner’s If liability has been determined by judgment after permission. trial, or by wrAitten agreement among the insured, the other person, and us, then whoever obtains this 2. Any other person who sustains bodily injury judgment or agreement against an insured person, while in, on, getting into or out of: may sue us up to the limits of this policy. However, a) your insured auto while being used by no one has the right toMjoin us in a suit to determine you, a resident relative, or any other legal responsibility. person with your permission. b) a non-owned auto if the injury results The bankruptcy or insolvency of an insured person or from your operation or occupancy. that person’s estate won’t reliPeve us of any c) a non-owned auto if the injury results obligation. from the operation on your behalf by your private chauffeur or domestic servant. What To Do In Case Of An AccLident Or d) a non-owned private passenger auto or Claim trailer if the injury results from the If an insured person has an auto accident, we must operation or occupancy by a resident be informed promptly of all details. If an insured relative. person is sued as the result of an auto accidEent, we must be informed immediately. The use of non-owned autos must be with the owner’s permission. Part 2 Insured Autos Automobile Medical Payments 1. Any auto described on the Policy Declarations. Coverage CC This includes the four wheel private passenger We will pay to or on behalf of an insured person all D auto or utility auto you replace it with. reasonable expenses actually incurred by the insured person for necessary medical treatment, services, or 2. An additional four wheel private passenger products actually provided to the insured person. auto or utility auto you acquire ownership of Payments will be made only when bodily injury, Oduring the policy period will be covered for 30 sickness, disease, or death is caused by an auto days immediately after you become the owner. accident. Ambulance, hospital, medical, surgical, X-ray, dental, orthopedic and prosthetic devices, However, we will provide this coverage only if professional nursing services, pharmaceuticals, we or oCne of our affiliates insure all other eyeglasses, hearing aids, and funeral service private passenger autos or utility autos you expenses are covered. own, and you pUay the additional premium. The treatment, services, or products must be Coverage will be continued beyond this 30 day rendered within one year after the accident. This will period only if: be extended to five years if the amount of insurance a) you ask us to continue coverage within 30 shown on the Policy Declarations for this coverage is days after you acqMuire the auto or utility more than $5,000. auto; b) we agree to continue coverage for this This coverage does not apply to any person to the additional auto or utility auto; and extent that treatment is covered under any workers c) you pay the additional premEium. compensation law. NPage 8 T Allstate Fire and Casualty Insurance Company

3. A substitute four wheel private passenger auto a) a vehicle operated on rails or crawler- or utility auto, not owned by you or a resident, treads, or temporarily used while your insured auto is b) a vehicle or other equipment designed for bSeing serviced or repaired, or if your insured use off public roads, while not on public auto is stolen or destroyed. roads.

4. A non-owned auto having not less than four 3. any person while in, on, getting into or out of: wheels uAsed with the owner’s permission. This a) an owned auto while available for hire to auto must not be available or furnished for the the public. This exclusion does not apply regular use of an insured person. to shared-expense car pools. M b) an auto or trailer while used as a 5. A trailer while attached to an insured auto. The residence or premises. trailer must be designed for use with a private passenger auto or utility auto. This trailer 4. any person, other than you or a resident can’t be used for businPess purposes with other relative, while using a non-owned auto: than a private passenger auto or utility auto. a) which is available for hire by the public, or b) in auto business operations such as Definitions repairing, servicing, testing, washing, L parking, storing or selling of autos. 1. We, Us or Our means the company as shown on the Policy Declarations. Coverage is provided for you, your private 2. Auto means a land motor vehicle desigEned for chauffeur or domestic servant while using a use on public roads. private passenger auto or trailer in any other business or occupation. 3. Resident means a person who physically resides in your household with the intention of 5. any person resulting from any act of war, continuing residence there. Your unmarried insurrection, rebellion, or revolution. dependent children while temporarily away from home will be considered residents if they 6. any person arising out of the participation in D any prearranged, organized, or spontaneous: intend to resume residing in your household. a) racing contest; b) speed contest; or 4. Utility Auto means an auto of the pick-up c) use of an at a track or course body, sedan delivery or panel truck type. This auto Odesigned or used for racing or high auto must have a rated load capacity of not performance driving; more than 2,000 pounds. or in practice or preparation for any contest or use of this type. 5. You or Your means the policyholder named on C the Policy Declarations and that policyholder’s resident spouse. LIMITS OF LIABILITY THE LIMIT SHOWN ON THE POLICYDECLARATIONS IS Exclusions What Is Not Covered THE MAXIMUM WE WUILL PAY FOR ALL EXPENSES INCURRED BY ORFOREACH PERSON AS THE RESULT This coverage does not apply to bodily injury, OF ANY ONE AUTO ACCIDENT. sickness, disease or death to: 1. you or a resident relative while in, on, getting M THE MEDICAL PAYMENTS LIMIT APPLIES TO EACH into or out of an auto you or a resident relative INSURED AUTO AS STATED ON THE POLICY own but do not insure for this coverage. DECLARATIONS. THE INSURING OF MORE THAN ONE PERSON OR AUTO UNDER THIS POLICY WILL NOT 2. you or a resident relative while in, on, getting E INCREASE OUR LIMIT BEYOND THE AMOUNT SHOWN into or out of, or struck as a pedestrian by: NPage 9 T Allstate Fire and Casualty Insurance Company

FOR ANYONE AUTO, EVEN THOUGH A SEPARATE performed for treatment of the injury, including fees PREMIUM IS CHARGED FOR EACH AUTO. THE LIMIT for an excessive number, amount, or duration of ALSO WILL NOT BE INCREASED IF YOU HAVE OTHER medical services. AUTOSINSURANCE POLICIES THAT APPLY. If the insured person is sued by a medical services If an insured person dies as the result of a covered provider because we refuse to pay contested medical auto accident, we will pay the least of the following expenses, we will pay all defense costs and any as a funeral sAervice expenses benefit: resulting judgment against the insured person. We 1. $2,000; or will choose the counsel. The insured person must cooperate with us in the defense of any claim or 2. the Coverage CCMlimit of liability stated on the lawsuit. If we ask the insured person to attend Policy Declarations; or hearings or trials, we will pay up to $50 per day for loss of wages or salary. We will also pay other 3. the remaining portion of the Coverage CC limit reasonable expenses incurred at our request. of liability not expendedPfor other covered medical expenses. IF THERE IS OTHER INSURANCE WHEN THIS COVERAGE APPLIES TO A SUBSTITUTE This funeral service expenses benefit does not AUTO OR NON-OWNED AUTO, WE WILL PAY ONLY increase, and will not be paid in additLion to, the limits AFTER ALL OTHER COLLECTIBLE AUTO MEDICAL of liability stated on the Policy Declarations for INSURANCE HAS BEEN EXHAUSTED. Coverage CC. This benefit is payable to the deceased insured person’s spouse if a resident of the Esame WHEN THIS COVERAGE APPLIES TO A REPLACEMENT household at the time of the accident. However, if the AUTO OR ADDITIONAL AUTO, THIS POLICY WILL NOT deceased is a minor, the benefit is payable to either APPLY IF YOU HAVE OTHER COLLECTIBLE AUTO parent if that parent is a resident of the same MEDICAL INSURANCE. household at the time of the accident. In all other cases, the benefit is payable to the deceased insured person’s estate. ASSISTANCE AND COOPERATION WHEN WE ASK, AN INSURED PERSON MUST THERE WILL BE NO DUPLICATION OF PAYMENTS DCOOPERATE WITH US IN THE INVESTIGATION, MADE UNDERTHE BODILY INJURY LIABILITY AND SETTLEMENT AND DEFENSE OF ANY CLAIM OR AUTOMOBILE MEDICAL PAYMENTS COVERAGES OF LAWSUIT. IF WE ASK, THAT PERSON MUST ALSO THIS POLICY. ALL PAYMENTS MADE TO ORON HELP US OBTAIN PAYMENT FROM ANYONE WHO MAY BEHALF OF ANY PERSON UNDER THIS COVERAGE BE JOOINTLY RESPONSIBLE. WILL BE CONSIDERED AS ADVANCE PAYMENTS TO THAT PERSON. THE DAMAGES PAYABLE UNDERTHE WE CAN’T BE OBLIGATED IF AN INSURED PERSON BODILY INJURYLIABILITY COVERAGE OF THIS POLICY VOLUNTARILCY TAKES ANY ACTION OR MAKES ANY WILL BE REDUCED BY THAT AMOUNT. PAYMENTS OTHER THAN FOR COVERED EXPENSES FOR FIRST AID TO OTHERS. Unreasonable Or Unnecessary Medical Expenses ACTION AGAINSTUUS NO ONE MAY SUE US UNDERTHIS COVERAGE If the insured person incurs medical expenses which UNLESS THERE IS FULL COMPLIANCE WITH ALL THE are unreasonable or unnecessary, we may refuse to POLICY TERMS pay for those expenses and contest them. M Unreasonable medical expenses are fees for medical services which are substantially higher than the PROOF OF CLAIM; MEDICAL REPORTS usual and customary charges for those services. AS SOON AS POSSIBLE, ANY PERSON MAKING CLAIM Unnecessary medical expenses are fees for medical MUST GIVE US WRITTEN PROOF OF ECLAIM. IT MUST services which are not usually and customarily INCLUDE ALL DETAILS WE MAY NEEDTO DETERMINE THE AMOUNTS PAYABLE. WE MAY ALSO REQUIRE NPage 10 T Allstate Fire and Casualty Insurance Company

ANY PERSON MAKING CLAIM TO SUBMIT TO 1. SUSTAINED IN THE COURSE OF ANY QUESTIONING UNDEROATH ANDSIGN THE OCCUPATION BY ANY PERSON WHILE: TRANSCRIPT. A) OPERATING, LOADING, UNLOADING, S ASSISTING ON, OR PERFORMING ANY THE INJURED PERSON MAY BE REQUIRED TO TAKE OTHER DUTIES RELATED TO THE USE OF A MEDICAL EXAMINATIONS BY PHYSICIANS WE COMMERCIAL AUTO, OR AN AUTO HIRED CHOOSE, AS OFTEN AS WE REASONABLY REQUIRE. OR RENTED TO OTHERS FOR A CHARGE. WE MUST BEAGIVEN AUTHORIZATION TO OBTAIN B) REPAIRING OR SERVICING AUTOS, MEDICAL REPORTS ANDOTHERRECORDS INCLUDING ANY RELATED DUTIES. PERTINENT TOTHE CLAIM. M 2. DUE TO SUICIDE COMMITTED WHILE SANE OR PART 3 INSANE. AUTOMOBILE DEATH INDEMNITY 3. DUE TO ANY ACT OF WAR, INSURRECTION, INSURANCE P REBELLION OR REVOLUTION. COVERAGE CM WE WILL PAY THE BENEFIT SHOWN ON THE POLICY 4. SUSTAINED WHILE IN, ON, GETTING INTO OR DECLARATIONS IF ANY INSURED PERSON DIES AS A OUT OF, OR WHEN STRUCK AS A PEDESTRIAN DIRECT RESULT OF BODILY INJURY, SLICKNESS OR BY DISEASE CAUSED BY AN AUTO ACCIDENT. THE A) A VEHICLE OPERATED ON RAILS OR INJURY MUST BE SUSTAINED WHILE THE INSURED CRAWLER-TREADS; PERSON IS IN, ON, GETTING INTO OR OUT OF, OR B) A VEHICLE OR OTHER EQUIPMENT WHEN STRUCK AS A PEDESTRIAN BY AN AUTEO, DESIGNED FOR USE OFF PUBLIC ROADS, TRAILER ORSEMI-TRAILER. WHILE NOT ON PUBLIC ROADS; OR C) A VEHICLE WHEN USED AS A RESIDENCE BENEFITS WILL BE PAID ONLY IF: OR PREMISES. 1. DEATH OCCURS WITHIN 90 DAYS OF THE AUTO ACCIDENT; OR 5. RESULTING FROM INJURY SUSTAINED BY ANY PERSON ARISING OUT OF THE PARTICIPATION 2. DEATH OCCURS WITHIN 1 YEAR OF THE AUTO D IN ANY PREARRANGED, ORGANIZED, OR ACCIDENT AND THE BODILY INJURY HAS SPONTANEOUS: CONTINUOUSLY PREVENTED THE INSURED A) RACING CONTEST; PERSON FROM PERFORMING ALL DUTIES B) SPEED CONTEST; OR PERTAINING TO THAT PERSON’S OCCUPATION. OC) USE OF AN AUTO AT A TRACK OR COURSE DESIGNED OR USED FOR RACING OR HIGH INSURED PERSONS PERFORMANCE DRIVING; THE PERSON OR PERSONS SHOWN AS INSURED ON OR IN PCRACTICE OR PREPARATION FOR ANY THE POLICY DECLARATIONS UNDER COVERAGE CM. CONTEST OR USE OF THIS TYPE.

DEFINITIONS PAYMENT OF BENEFITS; AUTOPSY 1. WE OR US MEANS THE COMPANY AS SHOWN THE BENEFIT IS PAYUABLE TO THE DECEASED ON THE POLICY DECLARATIONS INSUREDPERSON’S SPOUSE. THE SPOUSE MUST BE A RESIDENT OF THE SAME HOUSEHOLDAS THE 2. AUTO MEANS A LAND MOTOR VEHICLE INSURED PERSON AT THE TMIME OF THE ACCIDENT. DESIGNED FOR USE ON PUBLIC ROADS HOWEVER, IF THE DECEASED IS A MINOR, THE BENEFIT IS PAYABLE TO EITHER PARENT. THAT PARENT MUST BE A RESIDENT OF THE SAME EXCLUSIONS WHAT IS NOT COVERED HOUSEHOLD AS THE MINOR AT THE TIME OF THE THIS COVERAGE DOES NOT APPLY TO DEATH: E ACCIDENT. IN ALL OTHER CASES, THE BENEFIT IS NPage 11 T Allstate Fire and Casualty Insurance Company

PAYABLE TOTHE DECEASED INSUREDPERSON’S 3. DURING THE SECOND AND SUBSEQUENT ESTATE. YEARS AFTER COMMENCEMENT, CONTINUOUSLY PREVENTS THE INSURED WE HSAVE THE RIGHT AND MUST BE GIVEN THE PERSON FROM ENGAGING IN ANY OCCUPATION OPPORTUNITY TO MAKE AN AUTOPSYWHERE IT IS OR EMPLOYMENT FOR WAGE OR PROFIT. NOT PROHIBITED BYLAW. INSURED PERSONS CONSENT OAF BENEFICIARY THE PERSON OR PERSONS SHOWN AS INSURED ON THE BENEFICIARY’S CONSENT IS NOT REQUIRED FOR THE POLICY DECLARATIONS UNDER COVERAGE CW. CANCELLATION, ASSIGNMENT, CHANGE OF BENEFICIARY OR ANYMOTHER CHANGE UNDERTHIS DEFINITIONS COVERAGE. 1. WE OR US MEANS THE COMPANY AS SHOWN ON THE POLICY DECLARATIONS. PROOF OF CLAIM; MEDICAL REPORTS AS SOON AS POSSIBLE, WE MPUST BE GIVEN 2. AUTO MEANS A LAND MOTOR VEHICLE WRITTEN PROOF OF CLAIM. IT MUST INCLUDE ALL DESIGNED FOR USE ON PUBLIC ROADS. DETAILS WE MAY NEED TO DETERMINE IF BENEFITS ARE PAYABLE. L EXCLUSIONS WHAT IS NOT COVERED THIS COVERAGE DOES NOT APPLY TO DISABILITY: WE MUST BE GIVEN AUTHORIZATION TOOBTAIN 1. SUSTAINED IN THE COURSE ON AN MEDICAL REPORTS ANDCOPIES OF RECORDS OCCUPATION BY ANY PERSON WHILE: PERTINENT TOTHE CLAIM. E A) OPERATING, LOADING, UNLOADING, ASSISTING ON, OR PERFORMING ANY PART 4 OTHER DUTIES RELATED TO THE USE OF A AUTOMOBILE DISABILITY INCOME COMMERCIAL AUTO, OR AN AUTO HIRED PROTECTION OR RENTED TO OTHERS FOR A CHARGE. B) REPAIRING OR SERVICING AUTOS, COVERAGE CW INCLUDING ANY RELATED DUTIES. WE WILL PAY THE WEEKLYBENEFIT SHOWN ON THE D POLICY DECLARATIONS IF AN INSURED PERSON 2. DUE TO ANY ATTEMPT AT SUICIDE WHILE SANE SUSTAINS CONTINUOUS TOTAL DISABILITYAS A OR INSANE DIRECT RESULT OF BODILY INJURY, SICKNESS OR DISEASE CAUSED BY AN AUTO ACCIDENT. THE 3. ODUE TO ANY ACT OF WAR, INSURRECTION, INJURY MUST BE SUSTAINED WHILE IN, ON, GETTING REBELLION OR REVOLUTION. INTO OR OUT OF, ORWHEN STRUCK AS A PEDESTRIAN BY AN AUTO, TRAILER ORSEMI- 4. SUSTAINED WHILE IN, ON, GETTING INTO OR TRAILER. OUT OF,COR WHEN STRUCK AS A PEDESTRIAN BY BENEFITS WILL BE PAID ONLY WHILE THE INSURED A) A VEHICLE OPERATED ON RAILS OR PERSON IS ALIVE AND ONLY IF THE DISABILITY: CRAWLER-TREADS; 1. COMMENCES WITHIN 20 DAYS OF THE DATE U B) A VEHICLE OR OTHER EQUIPMENT OF THE ACCIDENT; AND DESIGNED FOR USE OFF PUBLIC ROADS, 2. DURING THE FIRST YEAR AFTER WHILE NOT ON PUBLIC ROADS; OR COMMENCEMENT, CONTINUOUSLY PREVENTS C) A VEHICLE WHENMUSED AS A RESIDENCE THE INSURED PERSON FROM PERFORMING OR PREMISES. ALL DUTIES PERTAINING TO THAT PERSON’S OCCUPATION; AND 5. RESULTING FROM INJURY SUSTAINED BY ANY PERSON ARISING OUT OF THEEPARTICIPATION NPage 12 T Allstate Fire and Casualty Insurance Company

IN ANY PREARRANGED, ORGANIZED, OR If an insured person sues a person believed SPONTANEOUS: responsible for the accident without giving us notice A) RACING CONTEST; so as to give us adequate time to intervene in a BS) SPEED CONTEST; OR lawsuit, we aren’t bound by any resulting judgment. C) USE OF AN AUTO AT A TRACK OR COURSE DESIGNED OR USED FOR RACING OR HIGH Insured Persons PERFORMANCE DRIVING; 1. You and any relative who resides in your OR IN PRAACTICE OR PREPARATION FOR ANY household. CONTEST OR USE OF THIS TYPE. 2. Any person while in, on, getting into, or out of TO WHOM AND WMHEN PAYMENT IS MADE your insured auto with your permission. WEEKLY BENEFITS ARE PAYABLE TO THE DISABLED INSUREDPERSON. ACCRUED WEEKLY BENEFITS ARE 3. Any other person who is legally entitled to PAYABLE EVERY FOUR WEEKS. ANY REMAINING recover because of bodily injury to you, a BALANCE IS PAYABLE AT TERPMINATION OF THE relative who resides in your household, or an DISABILITY PERIOD. BENEFITS END UPON THE DEATH occupant of your insured auto with your OF THE INSURED PERSON. permission.

PROOF OF CLAIM; MEDICAL RLEPORTS Insured Auto Means A Motor Vehicle: AS SOON AS POSSIBLE, ANY PERSON MAKING CLAIM 1. You own. This includes any auto you purchase MUST GIVE US WRITTEN PROOF OF CLAIM. E as a replacement for the owned motor vehicle. THE INJURED PERSON MAY BE REQUIRED TO TAKE However, any additional motor vehicle you MEDICAL EXAMINATIONS BY PHYSICIANS WE acquire during the policy period will be CHOOSE, AS OFTEN AS WE REASONABLY REQUIRE. covered for 30 days after you become the WE MUST BE GIVEN AUTHORIZATION TO OBTAIN owner only if we or one of our affiliates insure MEDICAL REPORTS ANDCOPIES OF RECORDS all other motor vehicles you own and you pay PERTINENT TOTHE CLAIM. D the additional premium. Part 5 Coverage for the additional motor vehicle will Uninsured Motorists Insurance be continued beyond this 30 day period only if: Coverage SS a) you ask us to continue coverage within 30 Odays after you acquire the motor vehicle; We will pay damages which an insured person is legally entitled to recover from the owner or operator b) we agree to continue coverage for this additional ; and of an uninsured auto because of bodily injury motor vehicle c) pay any additional premium. sustained by an insured person. Bodily injury must yoCu be caused by accident and arise out of the ownership, maintenance or use of an uninsured 2. you or a resident relative do not own but: a) are using. auto. We will not pay any punitive or exemplary you damages. b) is being teUmporarily used by anyone other than you: The right to benefits and the amount payable will be (1) while your owned auto is being decided by agreement between the insured person serviced or repaired; or (2) because yourMowned auto was stolen and us. If an agreement can’t be reached, the decision may be made by arbitration. or destroyed. Coverage SS applies regardless of the number of This non-owned auto must beEused only with vehicles you own, operate or insure under this policy. the owner’s permission. It also must not be NPage 13 T Allstate Fire and Casualty Insurance Company

furnished or available for your or a resident However, a motor vehicle owned by any relative’s regular use. federal, state, or local government or agency may be an underinsured motor vehicle. ASmotor vehicle made available for public hire by any insured person is not and cannot be an 3. a motor vehicle insured for bodily injury insured auto under this policy. liability under Part 1 of this policy.

An UninsureAd Auto Is: Definitions 1. a motor vehicle which has no bodily injury 1. We, Us, or Our means the Company as shown liability bond or insurance policy in effect at on the Policy Declarations. the time of the accidMent. 2. Bodily Injury means bodily injury, sickness, 2. a motor vehicle for which the insurer denies disease or death. coverage, or the insurer becomes insolvent. P 3. Motor vehicle means a land motor vehicle or 3. a hit-and-run motor vehicle which causes trailer other than bodily injury to an insured person by physical a) a vehicle or other equipment designed for contact with the insured persoLn or with a use off public roads, while not on public vehicle occupied by that person. The identity of roads, the operator and the owner of the vehicle must b) a vehicle operated on rails or be unknown or cannot be found. The accident crawler-treads, or must be reported as soon as possible toEthe c) a vehicle when used as a residence or proper authorities. We must be notified within premises. 30 days. If the insured person was occupying a vehicle at the time of the accident, we have 4. Resident or Reside means a person who the right to inspect it. physically resides in your household with the intention of continuing residence there. Your 4. an underinsured motor vehicle which has unmarried dependent children while liability protection in effect and applicable at temporarily away from home will be the time of the accident but less than the D considered residents if they intend to resume applicable damages the insured person is residing in your household. legally entitled to recover. However, an underinsured motor vehicle is not an insured 5. OYou or Your means the insured person named auto as defined under this coverage. on the Policy Declarations and that person’s resident spouse. 5. a motor vehicle for which no evidence of financial responsibility is supplied to the ExclusionsCWhat Is Not Covered Department of Motor Vehicles within 60 days We will not pay any damages an insured person is after the accident occurs. legally entitled to recover because of: 1. bodily injury toUany person who makes a An Uninsured Auto Is Not: settlement without our written consent. 1. a motor vehicle that is lawfully self-insured. However, a lawfully self-insured motor vehicle 2. bodily injury, if the payment would directly or may be an underinsured motor vehicle. indirectly benefit any wMorkers compensation or disability benefits insurer including a 2. a motor vehicle owned by any federal, state or self-insurer. local government or agency. E NPage 14 T Allstate Fire and Casualty Insurance Company

3. bodily injury or property damage arising out of SIMILAR AUTOMOBILE MEDICAL PAYMENTS the participation in any prearranged, organized COVERAGE. or spontaneous: a)Sracing contest; WE ARE NOT OBLIGATEDTO MAKE ANYPAYMENT b) speed contest; or FOR BODILY INJURY UNDER THIS COVERAGE WHICH c) use of an auto at a track or course ARISES OUT OF THE USE OF AN UNDERINSURED designed or used for racing or high MOTOR VEHICLE UNTIL AFTERTHE LIMITS OF perAformance driving; LIABILITY FOR ALL LIABILITY PROTECTION IN EFFECT or in practice or preparation for any contest or AND APPLICABLE AT THE TIME OF THE ACCIDENT use of this type. HAVE BEEN EXHAUSTED BY PAYMENT OF JUDGMENT M OR SETTLEMENTS. LIMITS OF LIABILITY THE UNINSURED MOTORISTS LIMIT STATED ON THE IF THERE IS OTHER INSURANCE POLICY DECLARATIONS IS THE MAXIMUM AMOUNT IF THE INSURED PERSON WAS IN, ON, GETTING INTO PAYABLE FORTHIS COVERAGPE BYTHIS POLICY FOR OR OUT OF A VEHICLE WHICH IS INSURED FOR THIS ANY ONE ACCIDENT. THIS MEANS THE INSURING OF COVERAGE UNDERANOTHER POLICY, THIS MORE THAN ONE AUTOFOROTHERCOVERAGES COVERAGE WILL BE EXCESS. THIS MEANS THAT AFFORDED BY THIS POLICY WILL NOT INCREASE OUR WHEN THE INSUREDPERSON IS LEGALLYENTITLED LIMIT OF LIABILITY BEYOND THE AMOLUNT SHOWN TO RECOVERDAMAGES IN EXCESS OF THE OTHER ON THE POLICY DECLARATIONS. POLICY LIMIT, WE WILL PAY UP TO YOUR POLICY LIMIT, BUT ONLY AFTERTHE OTHERINSURANCE HAS REGARDLESS OF THE NUMBER OF INSUREDEAUTOS BEEN EXHAUSTED. UNDER THIS COVERAGE, THE SPECIFIC AMOUNT SHOWN ON THE POLICY DECLARATIONS IS THE IF MORE THAN ONE POLICY APPLIES TO THE MAXIMUM WE WILL PAY UNDER THIS POLICY FOR: ACCIDENT ON A PRIMARY BASIS, THE TOTAL 1. " EACH PERSON" FOR DAMAGES ARISING OUT BENEFITS PAYABLE TO ANY ONE PERSON WILL NOT OF BODILY INJURY TO ONE PERSON IN ANY EXCEED THE MAXIMUM BENEFITS PAYABLE BY THE ONE MOTOR VEHICLE ACCIDENT, INCLUDING POLICY WITH THE HIGHEST LIMIT FOR UNINSURED DAMAGES SUSTAINED BY ANYONE ELSE AS A MOTORISTS COVERAGE. WE WILL BEAR OUR RESULT OF THE BODILY INJURY. DPROPORTIONATE SHARE WITH OTHER UNINSURED MOTORISTS BENEFITS. THIS APPLIES NO MATTER 2. " EACH ACCIDENT" FOR DAMAGES ARISING OUT HOWMANY AUTOS ORAUTO POLICIES MAY BE OF BODILY INJURY TO TWO OR MORE INVOOLVED WHETHER WRITTEN BY US OR ANOTHER PERSONS IN ANY ONE MOTOR VEHICLE COMPANY. ACCIDENT. THIS LIMIT IS SUBJECT TO THE LIMIT FOR " EACH PERSON" . Proof Of Claim; Medical Reports As soon as pCossible, you or any other person making DAMAGES PAYABLE WILL BE REDUCED BY: claim must give us written proof of claim, including 1. ALL AMOUNTS PAID BY THE OWNER OR all details reasonably required by us to determine the OPERATOR OF THE UNINSURED AUTO OR amounts payable. We may also require any person ANYONE ELSE RESPONSIBLE. THIS INCLUDES U making claim to submit to questioning under oath ALL SUMS PAID UNDER THE BODILY INJURY and sign the transcript. LIABILITY COVERAGE OF THIS OR ANY OTHER AUTO POLICY. The insured person may be Mrequired to take medical examinations by physicians selected by us, as often 2. ALL AMOUNTS PAYABLE UNDER ANY as we reasonably require. The insured person or that WORKERS COMPENSATION LAW, DISABILITY person’s representative must authorize us to obtain BENEFITS LAW, OR SIMILAR LAW, medical reports and copies of recorEds. AUTOMOBILE MEDICAL PAYMENTS OR ANY NPage 15 T Allstate Fire and Casualty Insurance Company

Assistance And Cooperation insured person and we, however, must mutually We may require the insured person to take proper agree to arbitrate the disagreements. If the insured action to preserve all rights to recover damages from person and we do not agree to arbitrate, then the anyonSe responsible for the bodily injury. disagreement will be resolved in a court of competent jurisdiction. Trust Agreement Unless the insured person or we object, arbitration When we pay any person under this coverage: A will take place under the rules of the American 1. we are entitled to repayment of amounts paid Arbitration Association. by us and related collection expenses out of the proceeds of any settlement or judgment If either party objects to the use of the rules of the that person recoMvers from any responsible American Arbitration Association, the following party or insurer. alternative method of arbitration will be used. The insured person will select one arbitrator and we will 2. all rights of recovery against any responsible select another. The two arbitrators will select a third. party or insurer must bePmaintained and If they can’t agree on a third arbitrator within 30 preserved for our benefit. days, the judge of the court of record in the county of jurisdiction where arbitration is pending will appoint 3. insured persons, if we ask, must take proper L the third arbitrator. The written decision of any two action in their name to recover damages from arbitrators will determine the issues. Local rules any responsible party or insurer. We will select governing evidence and procedure will apply. The the attorney. will pay all related costs and We insured person will pay the arbitrator that person fees. E selects and we will pay the one we select. The expense of the third arbitrator and all other expenses We will not ask the insured person to sue the insured of arbitration will be shared equally. However, of an insolvent insurer. attorney fees and fees paid to medical or other expert witnesses are not considered arbitration expenses Payment Of Loss By Us and are to be paid by the party incurring them. Any amount due is payable to the insured person, to the parent or guardian of an injured minor, or to the DRegardless of the method of arbitration, either party spouse of any insured person who dies. However, we has a right to a trial on all issues in a court of may pay any person or estate lawfully entitled to competent jurisdiction. Costs, including attorney recover the damages. feesO, are to be paid by the party incurring them. Action Against Us Part 6 No one may sue us under this coverage unless there Protection Against Loss To The Auto is full compliance with all the policy terms. The followinCg coverages apply when indicated on the Policy Declarations. Additional payments, autos If We Cannot Agree insured, definitions, exclusions, and other If the insured person and we don’t agree on that information applicable to all these coverages appear person’s right to receive damages on any claim beginning on page 1U8. involving an amount of $15,000 or less, the dispute will be settled by arbitration. COVERAGE DD Auto Collision InsuranceM If the insured person and we don’t agree on that We will pay for direct and accidental loss to your person’s right to receive damages on any claim insured auto or a non-owned auto (including insured involving an amount over $15,000, then upon mutual loss to an attached trailer) from a collision with consent of the insured person and us the E disagreement will be settled by arbitration. The another object or by upset of that auto or trailer. The deductible amount will not be subtracted from the NPage 16 T Allstate Fire and Casualty Insurance Company loss payment in collisions involving your insured COVERAGE HE auto and another auto insured by us. Auto Fire, Lightning and Transportation Insurance COVSERAGE DE We will pay for direct and accidental loss to your Diminishing Deductible Auto Collision insured auto or a non-owned auto due to: Insurance 1. fire or lightning. If the loss is $A100 or more, we will pay for direct and accidental loss to your insured auto or a non-owned 2. smoke or smudge due to a sudden, unusual auto (including insured loss to an attached trailer) and faulty operation of any fixed heating from a collision with another object or by upset of equipment serving the premises in which the that auto or trailer. NMo deductible applies to losses in auto is located. excess of $100. 3. stranding, sinking, burning, collision or If the loss is between $50 anPd $100, you pay the derailment of any conveyance in or upon difference between the amount of loss and $100. We which the auto is being transported on land or will pay the rest of the loss up to our limits of liability. on water.

If the loss is $50 or less, we will not Lmake any COVERAGE HF payment. Auto Theft Insurance We will pay for direct and accidental loss to your The deductible amount will not be subtracted from insured auto or a non-owned auto caused by theft or the loss payment in a collision involving Einsured your larceny. auto and another auto insured by us, even if the loss is $50 or less. COVERAGE HG COVERAGE HH Auto Fire, Lightning, Transportation and Auto Comprehensive Insurance Theft Insurance We will pay for direct and accidental loss to your We will pay for direct and accidental loss to your insured auto or a non-owned auto caused by any insured auto or a non-owned auto not caused by D peril listed under Coverages HE or HF above. collision. Loss caused by missiles, falling objects, fire, theft or larceny, explosion, earthquake, windstorm, hail, water, flood, malicious mischief or COVOERAGE JJ vandalism, and riot or civil commotion is covered. Towing and Labor Costs Glass breakage, whether or not caused by collision, We will pay costs for labor done at the initial place of and collision with a bird or animal is covered. disablement of your insured auto or a non-owned auto. We wiCll also pay for towing made necessary by The deductible amount will not be subtracted from the disablement of your insured auto or a the loss payment when the loss is caused by a peril non-owned auto. The total limit of our liability for listed under Coverage HE. each loss is stated oUn the Policy Declarations. By agreement between you and us,the deductible COVERAGE UU amount will not be subtracted from a glass breakage Rental Reimbursement Coverage loss if the glass is repaired rather than replaced. If you have collision or compMrehensive coverage under this policy and the loss involves either coverage, we will repay you for your cost of renting an auto from a rental agency or garEage. We will not pay more than the dollar amount per day shown on NPage 17 T Allstate Fire and Casualty Insurance Company the Policy Declarations. We will not pay mileage limit of our liability for each loss is shown on the charges. Policy Declarations.

If youSr insured auto is stolen, payment for This coverage applies only if you have transportation expenses will be made under the comprehensive insurance under this policy. Coverage terms of paragraph 3 of "Additional Payments We ZZ makes tapes or similar items insured property Will Make" . However, the limits for this coverage will under your comprehensive insurance. apply if they exAceed the limits stated under " Additional Payments We Will Make" . Additional Payments We Will Make 1. We will pay up to $200 for loss of clothing and If an insured auto is dMisabled by a collision or personal luggage, including its contents, comprehensive loss, coverage starts the day of the belonging to you or a resident relative while it loss. If the entire insured auto is stolen, coverage is in or upon your insured auto. This provision begins the day you report the theft to us. If an does not apply if the insured auto is a travel- insured auto is driveable, covPerage starts the day the trailer. auto is taken to the garage for repairs. This coverage applies only when: Coverage ends when the first of the following occurs: a) the loss is caused by collision and you 1. if the auto is disabled by a collisLion or have purchased collision insurance. comprehensive loss, completion of repairs or b) the entire auto is stolen, and you have replacement of the auto; purchased comprehensive insurance. E c) physical damage is done to the auto and 2. if the auto is stolen, when we offer settlement to the clothing and luggage caused by or your auto is returned to use; or earthquake, explosion, falling objects, fire, lightning, or flood and you have 3. thirty full days of coverage. purchased comprehensive insurance.

COVERAGE ZA 2. We will repay you up to $10 for the cost of Sound System Coverage D transportation from the place of theft of your We will pay for loss to a sound system permanently insured auto or disablement of the auto to installed in your auto by bolts, brackets or other your destination, if means, its antennas or other apparatus in or on your a) the entire auto is stolen and you have auto used specifically with that system. Ocomprehensive coverage under this policy. Coverage ZA applies only if comprehensive insurance b) the auto is disabled by a collision or is in effect under this policy. This coverage makes comprehensive loss, and you have the sound systems, and antennas or other apparatus coCverage under this policy applicable to used specifically with them, insured property under the loss. the terms of both collision and comprehensive insurance. The limit of our liability is shown on the This provision Udoes not apply if the insured Policy Declarations. auto is a travel-trailer.

COVERAGE ZZ 3. If you have comprehensive insurance under this policy, we will repMay up to $10 a day but Tape Coverage not more than $300 for each loss for the cost will pay for loss to any tapes or similar items We of transportation when the entire auto is used with any auto sound system. Coverage applies stolen. This coverage begins 48 hours after to property you or a resident relative own that is in or you report the theft to us, butEends when we on your insured auto at the time of loss. The total NPage 18 T Allstate Fire and Casualty Insurance Company

offer settlement or your auto is returned to 5. A trailer while attached to an insured auto. use. This trailer must be designed for use with a private passenger auto. This trailer can’t be 4. ISf you have purchased collision or used for business purposes with other than a comprehensive insurance under this policy, we private passenger auto or utility auto. Home, will pay general average and salvage charges office, store, display, passenger trailers, imposed when your insured auto is being travel-trailers or camper units are not transporAted. covered unless described on the Policy Declarations. Insured Autos 1. Any auto describMed on the Policy Declarations. Definitions This includes the four wheel private passenger 1. We, Us or Our means the company shown on auto or utility auto you replace it with if you the Policy Declarations. notify us within 60 days of the replacement and pay any additional Ppremium. 2. Auto means a land motor vehicle designed for use on public roads. 2. An additional four wheel private passenger auto or utility auto you acquireLownership of 3. Camper Unit means a demountable unit during the policy period will be covered for 30 designed to be used as temporary living days immediately after you become the owner. quarters, including all equipment and accessories built into and forming a permanent However, we will provide this coveragEe only if part of the unit. A camper unit does not we or one of our affiliates insure all other include: private passenger autos or utility autos you a) caps, tops or canopies designed for use own, and you pay the additional premium. as protection of the cargo area of a utility auto; or Coverage will be continued beyond this 30 day b) radio or television antennas, awnings, period only if: cabanas, or equipment designed to create a) you ask us to continue coverage within 30 D additional off-highway living facilities. days after you acquire the auto or utility auto; 4. Motor Home means a self-propelled vehicle b) we agree to continue coverage for this equipped, designed or used as a living additional auto or utility auto; and Oquarters. c) you pay the additional premium. 5. Resident means a person who physically resides in your household with the intention of 3. A substitute four wheel private passenger auto continuing living there. Your unmarried or utility auto, not owned by you or a resident, C dependent children while temporarily away temporarily used with the permission of the from home will be considered residents if they owner while your insured auto is being intend to resume residing in your household. serviced or repaired, or if your insured auto is U stolen or destroyed. 6. Sound System means any device within the insured auto designed for: 4. A non-owned four wheel private passenger a) voice or video transmission, or for voice, auto or utility auto used by you or a resident video or radar sigMnal reception; or relative with the owner’s permission. This auto b) recording or playing back recorded must not be available or furnished for the material; or regular use of you or any resident. c) supplying power to cellular or similar telephone equipment, E NPage 19 T Allstate Fire and Casualty Insurance Company

and which is installed in a location other than Coverages under this Part also will not apply to the one designed by the auto’s manufacturer for any apparatus in or on the auto designed for tShat device. use with that system. 7. Travel-trailer means a trailer of the house, This exclusion will not apply if you have cabin or camping type equipped or used as a purchased Coverage ZA. living quarters. A 9. loss to any tapes or similar items, unless you 8. Utility Auto means an auto of the pick-up have Coverage ZZ under this policy. body, sedan delivery or panel truck type. This auto must haveMa rated load capacity of not 10. loss to a camper unit whether or not mounted. more than 2,000 pounds. This exclusion will not apply if the camper unit is described on the Policy Declarations. 9. You or Your means the policyholder named on the Policy DeclarationsPand that policyholder’s 11. loss to appliances, furniture, equipment and resident spouse. accessories that are not built into or forming a permanent part of a motor home or travel- Exclusions What Is Not Covered trailer. These coverages don’t apply to: L 1. loss caused intentionally by, or at the direction 12. loss to your motor home or travel-trailer of, an insured person. while rented to anyone else unless a specific E premium is shown on the Policy Declarations 2. any auto used for the transportation of people for the rented vehicle. or property for a fee. This exclusion does not apply to shared-expense car pools. 13. loss or damage arising out of the participation in any prearranged, organized, or 3. any damage or loss resulting from any act of spontaneous: war, insurrection, rebellion or revolution. a) racing contest; b) speed contest; or 4. loss to any non-owned auto used in auto D c) use of an auto at a track or course business operations such as repairing, designed or used for racing or high servicing, testing, washing, parking, storing or performance driving; selling of autos. or in practice or preparation for any contest or Ouse of this type. 5. loss due to radioactive contamination. Right To Appraisal 6. damage resulting from wear and tear, freezing, Both you anCd we have a right to demand an appraisal mechanical or electrical breakdown unless the of the loss. Each will appoint and pay a qualified damage is the burning of wiring used to appraiser. Other appraisal expenses will be shared connect electrical components, or the result of equally. The two appraisers, or a judge of a court of other loss covered by this policy. record, will choose anUumpire. Each appraiser will state the actual cash value and the amount of loss. If 7. tires unless stolen or damaged by fire, they disagree, they’ll submit their differences to the malicious mischief or vandalism. Coverage is umpire. A written decision bMy any two of these three provided if the damage to tires occurs at the persons will determine the amount of the loss. same time and from the same cause as other loss covered by this policy. Payment Of Loss By Us We may pay for the loss in money, oEr may repair or 8. loss to any sound system within your auto. replace the damaged or stolen property. We may, at NPage 20 T Allstate Fire and Casualty Insurance Company any time before the loss is paid or the property is SEPARATE DEDUCTIBLE WILL APPLY TO THE AUTO replaced, return at our own expense any stolen AND CAMPER UNIT. property, either to you or at our option to the address shownSon the Policy Declarations, with payment for IF THERE IS OTHER INSURANCE any resulting damage. We may take all or part of the IF THERE IS OTHER INSURANCE COVERINGTHE LOSS property at the agreed or appraised value. We may AT THE TIME OF THE ACCIDENT, WE WILL PAY ONLY settle any claAim or loss either with you or the owner OUR SHARE OF ANYDAMAGES. OUR SHARE IS of the property. DETERMINED BYADDINGTHE LIMITS OF THIS INSURANCE TO THE LIMITS OF ALL OTHER LIMITS OF LIABILITY INSURANCE THAT APPLIES ON THE SAME BASIS AND OUR LIMIT OF LIABILIMTY IS THE LEAST OF: FINDING THE PERCENTAGE OF THE TOTAL THAT OUR 1. THE ACTUAL CASH VALUE OF THE PROPERTY LIMITS REPRESENT. OR PART OF ITS PHYSICAL CONDITION AT THE TIME OF LOSS, WHICH MAY INCLUDE A WHEN THIS INSURANCE COVERS A SUBSTITUTE DEDUCTION FOR DEPREPCIATION; OR AUTO OR NON-OWNED AUTO, WE WILL PAYONLY AFTER ALL OTHER COLLECTIBLE INSURANCE HAS 2. THE COST TO REPAIR OR REPLACE THE BEEN EXHAUSTED. PROPERTY OR PART OF ITS PHYLSICAL CONDITION AT THE TIME OF LOSS USING WHEN THIS INSURANCE COVERS A REPLACEMENT PARTS PRODUCED BY OR FOR THE VEHICLE’S AUTO OR ADDITIONAL AUTO, THIS POLICY WON’T MANUFACTURER, OR PARTS FROM OTHER APPLY IF YOU HAVE OTHER COLLECTIBLE SOURCES, INCLUDING, BUT NOT LIMITED TO, INSURANCE. NON ORIGINAL EQUIPMENT MANUFACTURERS, SUBJECT TO APPLICABLE STATE LAWS AND WHEN MORE THAN ONE COVERAGE IS APPLICABLE REGULATIONS; OR TO THE LOSS, YOU MAY RECOVER UNDER THE BROADEST COVERAGE BUT NOT BOTH. HOWEVER, 3. $500, IF THE LOSS IS TO A COVERED TRAILER ANY COVERAGE ZA DEDUCTIBLE WILL ALWAYS NOT DESCRIBED ON THE POLICY APPLY. DECLARATIONS. DAction Against Us ANY APPLICABLE DEDUCTIBLE AMOUNT IS THEN No one may sue us under this coverage unless there SUBTRACTED. is fuOll compliance with all the policy terms. IF WE, AT OUR OPTION, ELECT TO PAY FORTHE COST TO REPAIROR REPLACE THE PROPERTYOR PART, Subrogation Rights When pay, rights of recovery from anyone OUR LIABILITY DOES NOT INCLUDE ANYDECREASE IN we your THE PROPERTY’S VALUE, HOWEVERMEASURED, else becomeCours up to the amount we have paid. RESULTING FROM THE LOSS AND/OR REPAIR OR You must protect these rights and help us enforce REPLACEMENT. IF REPAIR OR REPLACEMENT them. RESULTS IN THE BETTERMENT OF THE PROPERTY OR PART, YOUMAYBE RESPONSIBLE, SUBJECT TO Loss Payable ClUause APPLICABLE STATE LAWS AND REGULATIONS, FOR If a Lienholder and/or Lessor is shown on the Policy THE AMOUNT OF THE BETTERMENT. Declarations, we may pay loss or damage under this policy to you and the LienhoMlder and/or Lessor as its AN AUTO ANDATTACHED TRAILER ARE CONSIDERED interest may appear, except: SEPARATE AUTOS, AND YOU MUST PAY THE DEDUCTIBLE, IF ANY, ON EACH. ONLY ONE 1. Where fraud, material misrepresentation, DEDUCTIBLE WILL APPLYTOAN AUTO WITH A material omission, or intentionEal damage has MOUNTED CAMPER UNIT.IF UNMOUNTED, A been committed by or at the direction of you. NPage 21 T Allstate Fire and Casualty Insurance Company

2. When the vehicle(s) is intentionally damaged, subrogated to the extent of payment to the rights of destroyed or concealed by or at the direction the party to whom payment was made. However, of you or any owner. these subrogation provisions must in no way impair S the rights of the Lienholder and/or Lessor to recover 3. When you or any owner makes fraudulent the full amount of its claim from the insured. statement(s) or engages in fraudulent conduct in connection with any accident or loss for The Lienholder and/or Lessor has no greater rights which coAverage is sought. under the provisions of the policy than the insured.

The Lienholder and/or Lessor must notify us of any What You Must Do If There Is A Loss change in ownershipMor hazard that is known. 1. As soon as possible, any person making claim must give us written proof of loss. It must If you or any owner fails to render proof of loss within include all details reasonably required by us. the time granted in the policy, the Lienholder and/or We have the right to inspect the damaged Lessor must do so within sixtPy days in the form and property. We may require any person making manner described in the policy. The Lienholder claim to file with us a sworn proof of loss. We and/or Lessor are subject to the provisions of the may also require that person to submit to policy relating to appraisal, time of payment and examinations under oath. bringing suit. L 2. Protect the auto from further loss. We will pay We may cancel this policy according to its terms. We reasonable expenses to guard against further will notify the Lienholder and/or Lessor at leasEt ten loss. If you don’t protect the auto, further loss days prior to the date of cancellation that the is not covered. cancellation is effective as to the interest of the Lienholder and/or Lessor. 3. Report all theft losses promptly to the police.

Whenever we pay the Lienholder and/or Lessor any sum for loss or damage under this policy, we will be D O C U M E NPage 22 T