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