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I a O 2018LIbany. Mutual Insurance AC 85 43 06 18 Includes copyrighted matemel of insurance Services Offios, Inc.,whh Its psrmissia. d. This coverage does not apply unless you have a business necessity that other "autos" available for your use and operation cannot NI. e. If'icss" results from the total theft of a covered "auto" of the private passenger type, we will pay under this coverage only that amount of your rental reimbursement expenses which la not already provided under Paragraph 4. Coverage Extension. f. No deductible applies to this coverage. g. The insurance provided under this extension Is excess over any other collectible Insurance. If this policy also provides Rental Reimbursement Coverage you purchased, the coverage provided by this Enhancement Endorsement is in addition to the coverage you purchased. For the purposes of this endorsement provision, materials and equipment do not include "personal offects" as defined in provision 11.0. 10. EXTRA EXPENSE -BROADENED COVERAGE Under SECTION ill " PHYSICAL DAMAGE COVERAGE, A. Coverage, we will pay for the expense of returning a stolen covered `auto" to you. The maximum amount we will pay Is $1,000. 11. PERSONAL EFFECTS COVERAGE A. SECTION III • PHYSICAL DAMAGE COVERAGE, A. Coverage, Is emended by adding the following: If you have purchased Comprehensive Coverage on this policy for an 'auto" you own and that "auto" to stolen, we will pay, without application of a deductible, up to $600 for "personal effects" stolen with the 'auto' The Insurance provided under this provision is excess over any other collectible insurance. S. SECTION V • DEFINITIONS Is amended by adding the following: For the purposes of this provision, "personal effects" mean tangible property that Is wom or canted by an "Insured' "Personal effects" does not include tools, equipment, Jewelry, money or secud- gas. 12. ACCIDENTAL AtRBAG'DEPLOYMENT SECTION III -PHYSICAL DAMAGE COVERAGE, S. Exclusions is amended by adding the following: If you have purchased Comprehensive or Collision Coverage under this policy, the exclusion for "loss" relating to mechanical breakdown does not apply to the acoidental discharge of an alrbag. Any insurance we provide shall be excess aver any other collectible Insurance or reimbursement by manufacturer's warranty. However, we agree to pay any deductible applicable to the other coverage or warranty. 13. PHYSICAL DAMAGE DEDUCTIBLE "VEHICLE TRACKING SYSTEM SECTION III .PHYSICAL DAMAGE COVERAGE, D. Deductible, is amended by adding the following: Any Comprehensive Deductible shown In the Declarations will be reduced by 50% for any "loss' caused by theft If the vehicle Is equipped with a vehicle tracking device such as a radio tracking device or a global position device and that device was the method of recovery of the vehicle. 14. AUDIO, VISUAL AND DATA ELECTRONIC EQUIPMENT COVERAGE SECTION III • PHYSICAL DAMAGE COVERAGE, B. Exclusions, Paragraph a. of the exception to excitr stone 4.c. and 4.d. is deleted and replaced with the foilowing: Exclusions 4.c. and 4.d. do not apply to: e. Electronic equipment that receives or transmits audio, visual or data signals, whether or not de- algned solely for the reproducdon of sound, If the equipment is: (1) Permanently installed In the covered "auto" at the time of the "loss° or removable from a housing unit that Is permanently installed in the covered "auto"; and (3) Designed to be solely operated by use from the power from the "auto'a" electrical system; and (3) Physical damage coverages are provided for the covered "auto". If the 'loss" occurs solely to audio, visual or data electronic equipment or accessories used with this equipment, then our obllgatlon to pay for, repair, return or replace damaged or stolen property xrdl be reduced by a $t00 deductible. RiskManagment DMsM REVIEWED & APPRovin BY: F4.W,�W Z V:,[Gr AI - Risk Management Analyst