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All "bodily injury", "property damage" and <br />"covered pollution cost or expense" resulting <br />from continuous or repeated exposure to <br />substantially the same conditions will be <br />considered as resulting from one "accident". <br />No one will be entitled to receive duplicate <br />payments for the same elements of "loss" under <br />this Coverage Form and any Medical Payments <br />Coverage endorsement, Uninsured Motorists <br />Coverage endorsement or Underinsured <br />Motorists Coverage endorsement attached to <br />this Coverage Part. <br />SECTION III — PHYSICAL DAMAGE COVERAGE <br />A. Coverage <br />1. We will pay for "loss" to a covered "auto" <br />or its equipment under: <br />a. Comprehensive Coverage <br />From any cause except: <br />(1) The covered "auto's" collision with <br />another object; or <br />(2) The covered "auto's" overturn. <br />b. Specified Causes Of Loss Coverage <br />Caused by: <br />(1) Fire, lightning or explosion; <br />(2) Theft; <br />(3) Windstorm, hail or earthquake; <br />(4) Flood; <br />(5) Mischie for vandalism; or <br />(6) The sinking, burning, collision or <br />derailment of any conveyance <br />transporting the covered "auto". <br />c. Collision Coverage <br />Caused by: <br />(1) The covered "auto's" collision with <br />another object; or <br />(2) The covered "auto's" overturn. <br />2. Towing <br />We will pay up to the limit shown in the <br />Declarations for towing and labor costs <br />incurred each time a covered "auto" of the <br />private passenger type is disabled. However, <br />the labor must be performed at the place of <br />disablement. <br />3. Glass Breakage — Hitting A Bird Or Animal — <br />Falling Objects Or Missiles <br />If you carry Comprehensive Coverage for the <br />damaged covered "auto", we will pay for the <br />following under Comprehensive Coverage: <br />a. Glass breakage; <br />b. "Loss" caused by hitting a bird or animal; <br />and <br />c. "Loss " caused by falling objects or missiles. <br />However, you have the option of having glass <br />breakage caused by a covered "auto's" collision <br />or overturn considered a "loss" under Collision <br />Coverage. <br />4. Coverage Extensions <br />a. Transportation Expenses <br />We will pay up to $20 per day, to a <br />maximum of $600, for temporary <br />transportation expense incurred by you <br />because of the total theft of a covered <br />"auto" of the private passenger type. We <br />will pay only for those covered "autos" for <br />which you carry either Comprehensive or <br />Specified Causes Of Loss Coverage. We will <br />pay for temporary transportation expenses <br />incurred during the period beginning 48 <br />hours after the theft and ending, regardless <br />of the policy's expiration, when the covered <br />"auto" is returned to use or we pay for its <br />"loss". <br />b. Loss Of Use Expenses <br />For Hired Auto Physical Damage, we will pay <br />expenses for which an "insured" becomes <br />legally responsible to pay for loss of use of a <br />vehicle rented or hired without a driver under <br />a written rental contract or agreement. We <br />will pay for loss of use expenses if caused <br />by: <br />(1) Other than collision only if the <br />Declarations indicates that <br />Comprehensive Coverage is provided for <br />any covered "auto"; <br />(2) Specified Causes Of Loss only if the <br />Declarations indicates that Specified <br />Causes Of Loss Coverage is provided for <br />any covered "auto"; or <br />Page 6 of 12 C Insurance Services Office, Inc.,2011 <br />�oRaN <br />} z <br />RiskMmWmedDMsfan <br />REVIEWED & APPROVED BY.- <br />f R. V;&wd <br />Risk Management Analyst <br />