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*S1*0521523 GREAT AMERICAN ALLIANCE INSURANCE COMPANY *D/B* 058909113 253316 (4) All reasonable expenses incurred by the "Insured" at o request, including actual loss of earnings up to $1,000 a day because of time off from works F. FELLOW EMPLOYEE SECTION II - LIABILITY COVERAGE is amended to add the following after Paragraph B.5.b: This exclusion does not apply to "bodily injury' resulting from the use of a covered "auto" you own or hire. Coverage afforded by this section is excess over any other collectible insurance. G. PHYSICAL DAMAGE COVERAGE EXTENSIONS - TOWING SECTION III - PHYSICAL DAMAGE COVERAGE, A. Coverage, 2. Towing is deleted in its entirety and replaced with the following'. 2. Towing We will pay up to $200 for towing and labor costs incurred each time a covered "auto" is disabled. However, the labor must be performed at the place of disablement.No deductible applies to this enhancement. H. PHYSICAL DAMAGE COVERAGE EXTENSIONS - GLASS BREAKAGE SECTION III - PHYSICAL DAMAGE COVERAGE, A. Coverage, 3. Glass Breakage - Hitting a Bird or Animal - Falling Objects or Missiles is amended by adding the following. No deductible for covered "autos" applies to "loss" resulting from glass breakage. I. PHYSICAL DAMAGE COVERAGE EXTENSIONS - TRANSPORTATION EXPENSES SECTION III - PHYSICAL DAMAGE COVERAGE, A. Coverage, 4. Coverage Extensions, a. is deleted in its entirety and replaced with the following'. Transportation Expenses We will pay up to $100 per day to a maximum of $3,000 for temporary transportation expense incurred by you because of "loss" to a covered "auto'. We will pay only for those covered autos' for which you carry either Comprehensive or Specified Causes of Loss Coverage. We will pay for temporary transportation expenses incurred until the covered "auto' is returned to use or we pay for its "loss," regardless of the policy's expiration. We will pay under this coverage extension only that amount of Transportation Expenses which is not already provided under O. Rental Reimbursement Coverage of this endorsement. J. HIRED AUTO PHYSICAL DAMAGE COVERAGE SECTION III - PHYSICAL DAMAGE COVERAGE, A. Coverage, 4. Coverage Extensions, is amended to add the following'. HIRED AUTO PHYSICAL DAMAGE COVERAGE If Comprehensive Coverage, Specified Causes of Loss or Collision Coverage is shown in the Declarations for any covered "auto', then the same type of Physical Damage Coverage is provided for any Hired Auto, subject to the following'. a. The most we will pay for any one "accident" or "loss' the lesser of. (1) the actual cash value of the covered "auto" at the time of the "loss or CA 86 20 (Ed. 05/16) (Page 5 of 9) *S1*0521523 GREAT AMERICAN ALLIANCE INSURANCE COMPANY *D/B* 058909113 253316 (4) costs for extended warranties, Credit Life Insurance, Health, Accident or Disability Insurance purchased with the loan or lease', and (5) carry-over balances from previous loans or leases. M. CUSTOMIZATION COVERAGE SECTION III - PHYSICAL DAMAGE COVERAGE, A. Coverage, 4. Coverage Extensions, is amended to add the following'. a. We will pay with respect to a covered "auto' for "loss" to automobile customization which includes special carpeting and insulation, height - extended roofs and custom murals, paintings, vinyl wraps or other details or graphics. It. our limit of liability for "loss' to automobile customizations in any one "loss" shall be the least of'. (1) the actual cash value of the stolen or damaged property', (2) the amount necessary to repair or replace the property', or (3) $2,000. This coverage does not apply to electronic equipment. N. NEWLY ACQUIRED OWNED AUTOS AND DONATED AUTOS PHYSICAL DAMAGE COVERAGE SECTION III - PHYSICAL DAMAGE COVERAGE, A. Coverage, 4. Coverage Extensions, is amended to add the following'. If Comprehensive, Specified Causes of Loss, or Collision Coverage is provided by this Policy, the coverage is extended to apply to Physical Damage "loss" to your newly acquired owned "autos" and donated autos. We will provide the broadest coverage available to any covered "auto' shown in the Declarations. The most we will pay for "loss" to a newly acquired "auto" or donated auto is the least of'. a. the actual cash value of the damaged or stolen property as of the time the "loss," or your actual cost of purchase of the newly acquired "auto", whichever is more, It. the actual cost of'. (1) replacing the damaged or stolen property with other property of like kind and quality', or (2) repairing the damaged property. without deduction for depreciation', or However, the most we will pay for all covered physical damage "loss" for newly acquired autos and donated autos occurring during the policy period shown on the Declarations is $100,000. For each newly acquired "auto' our obligation to pay "loss' will be reduced by a deductible equal to the highest deductible applicable to any "auto' for that coverage. No deductible will be applied to "loss" caused by fire or lightning. CA 86 20 (Ed. 05/16) (Page 7 of 9) *S1 *0521523 GREAT AMERICAN ALLIANCE INSURANCE COMPANY *D/B* 058909113 253316 (2) the actual cost to repair or replace such covered "auto" at the time of the "loss." It. The Limit of Insurance as determined under Paragraph J.a., above, will be reduced by any applicable Comprehensive or Collision deductible for each covered "auto." This deductible will be equal to the largest deductible applicable under any coverage for such covered "auto." No deductible applies to "loss' caused by fire or lightning. c. The coverage provided by this coverage extension will be excess over any other collectible insurance d. Subject to Paragraphs J.a, J.b and J.c, above, we will provide the broadest coverage applicable to any covered "auto' shown in the Declarations. e. For coverage provided under this coverage extension, the last sentence of Paragraph A.4.b under SECTION III - PHYSICAL DAMAGE COVERAGE, is deleted and replaced with the following'. However, the most we will pay for any expenses for loss of use is $100 per day, to a maximum of $3,000 per "accident" if loss of use results from an accident" for which you are legally liable and the lessor incurs a financial loss. K. TOTAL THEFT OF A COVERED AUTO SECTION III - PHYSICAL DAMAGE COVERAGE, A. Coverage, 4. Coverage Extensions, is amended to add the following'. Total Theft of a Covered Auto In the event of the total theft of a covered "auto a. Coverage includes personal items in the covered "auto" at the time of loss up to a maximum of $500. No deductible applies to this coverage. It. We will pay reasonable expenses for returning the stolen covered "auto' to you once it is recovered, up to a v maximum of $1,000. No deductible applies to this coverage. L. AUTO LOAN / LEASE GAP PROTECTION SECTION III - PHYSICAL DAMAGE COVERAGE, A. Coverage, 4. Coverage Extensions, is amended to add the following'. In the event of a total "loss" of a covered "auto' shown in the Declarations for which Physical Damage Coverage is provided, we will provide coverage for any unpaid amount due on the lease or loan for such covered "auto," less the following'. a. The amount paid under the Physical Damage Coverage Section of the Policy for that covered auto", and It. Any'. (1) overdue lease or loan payments at the time of the "loss (2) financial penalties imposed under a lease for excessive use, abnormal wear and tear or high mileage', (3) security deposits not returned by the lessor', CA 86 20 (Ed. 05/16) (Page 6 of 9) *S1*0521523 GREAT AMERICAN ALLIANCE INSURANCE COMPANY *D/B* 058909113 253316 Coverage under this Extension, for newly acquired owned "autos" is afforded until you notify us to add the newly acquired owned vehicle to your auto schedule or until the end of the policy period, whichever is earlier. O. RENTAL REIMBURSEMENT COVERAGE EXTENSION SECTION III - PHYSICAL DAMAGE COVERAGE, A. Coverage, 4. Coverage Extensions, is amended to add the following'. For those covered "autos" for which you carry Comprehensive or Specified Cause of Loss Coverage We will pay up to $100 per day, for up to 30 days, for Rental Reimbursement Expenses incurred by you for the rental of an "auto" because of a "loss" to a covered "auto". We will also pay up to $500 for reasonable and necessary expenses incurred by you to remove and replace your materials and equipment from the covered "auto". We will pay under this coverage extension only that amount of your Rental Reimbursement Expenses which is not already provided under I. Transportation Expenses of this endorsement. P. ACCIDENTAL DISCHARGE - AIRBAG COVERAGE SECTION III - PHYSICAL DAMAGE COVERAGE, B.3.a is deleted and replaced with the following. a. Wear and tear, freezing, mechanical or electrical breakdown, but this exclusion does not apply to "loss' due and confined to the accidental discharge of an airbag. No deductible applies to this coverage. Q. ORIGINAL EQUIPMENT MANUFACTURER (OEM) PART REPLACEMENT SECTION III - PHYSICAL DAMAGE, C. Limit of Insurance, Paragraph 1. is amended to include. We will pay the cost to replace the damaged parts (excluding glass and mechanical parts) with new Original Equipment Manufacturer (OEM) replacement parts if the damage parts cannot be repaired. R. MULTIPLE DEDUCTIBLES SECTION III - PHYSICAL DAMAGE, D. Deductible, is amended to add the following: When two ormore covered "autos' sustain "loss' in single incident, a single Physical Damage deductible will apply to the total "loss" for all covered 'autos." That deductible will be the largest of all deductibles applying to any of the covered "autos" involved in the single incident. S. NOTICE AND KNOWLEDGE OF OCCURRENCE - DUTIES IN THE EVENT OF ACCIDENT, CLAIM, SUIT OR LOSS SECTION IV - BUSINESS AUTO CONDITIONS, Paragraph A.2.a. is deleted and replaced with the following'. a. In the event of "accident," claim, "suit" or "loss," you must give us or our authorized representative notice as soon as practicable of the "accident" or "loss' after the "accident" or "loss" is known to you (if you are an inc- or one of your officers or any personr prevention (if you are a corporation). No! A�1� 1[ISR DRR81OR (1) How, when and where the "accident' r� n e p REVIEWED & APPROVED BY: p CA 86 20 (Ed. 05/16) (Pay I pam" Risk INanagement Specialist