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C. Fellow Employee Coverage <br /> The Fellow Employee Exclusion contained in Section II—Covered Autos Liability Coverage does not apply. <br /> D. Driver Safety Program Liability and Physical Damage Coverage <br /> 1. The following is added to the Racing Exclusion in Section II—Covered Autos Liability Coverage: <br /> This exclusion does not apply to covered "autos" participating in a driver safety program event, such as, but not <br /> limited to, auto or truck rodeos and other auto or truck agility demonstrations. <br /> 2. The following is added to Paragraph 2. in the Exclusions of Section III — Physical Damage Coverage of the <br /> Business Auto Coverage Form and Paragraph 2.b. in the Exclusions of Section IV — Physical Damage <br /> Coverage of the Motor Carrier Coverage Form: <br /> This exclusion does not apply to covered "autos" participating in a driver safety program event, such as, but not <br /> limited to, auto or truck rodeos and other auto or truck agility demonstrations. <br /> E. Lease or Loan Gap Coverage <br /> The following is added to the Coverage Provision of the Physical Damage Coverage Section: <br /> Lease Or Loan Gap Coverage <br /> In the event of a total "loss"to a covered "auto", we will pay any unpaid amount due on the lease or loan for a covered <br /> "auto", less: <br /> a. Any amount paid under the Physical Damage Coverage Section of the Coverage Form; and <br /> b. Any: <br /> (1) Overdue lease or loan payments at the time of the "loss"; <br /> (2) Financial penalties imposed under a lease for excessive use, abnormal wear and tear or high mileage; <br /> (3) Security deposits not returned by the lessor; <br /> (4) Costs for extended warranties, credit life insurance, health, accident or disability insurance purchased with the <br /> loan or lease; and <br /> (5) Carry-over balances from previous leases or loans. <br /> F. Towing and Labor <br /> Paragraph A.2. of the Physical Damage Coverage Section is replaced by the following: <br /> We will pay up to $75 for towing and labor costs incurred each time a covered "auto" of the private passenger type is <br /> disabled. However,the labor must be performed at the place of disablement. <br /> G. Extended Glass Coverage <br /> The following is added to Paragraph A.3.a. of the Physical Damage Coverage Section: <br /> If glass must be replaced, the deductible shown in the Declarations will apply. However, if glass can be repaired and <br /> is actually repaired rather than replaced, the deductible will be waived. You have the option of having the glass <br /> repaired rather than replaced. <br /> H. Hired Auto Physical Damage—Increased Loss of Use Expenses <br /> The Coverage Extension for Loss Of Use Expenses in the Physical Damage Coverage Section is replaced by the <br /> following: <br /> Loss Of Use Expenses <br /> For Hired Auto Physical Damage, we will pay expenses for which an "insured" becomes legally responsible to pay for <br /> loss of use of a vehicle rented or hired without a driver under a written rental contract or written rental agreement. We <br /> will pay for loss of use expenses if caused by: <br /> RiakManagementDivislon <br /> REVIEWED&APPROVED BY: <br /> di .1 AiiLe Acevedo <br /> igiEsszEn Risk Management Specialist <br /> V-VH-4L4-r Ii VV kU4-14) <br /> Page 2 of 6 <br /> Includes copyrighted material of Insurance Services Office, Inc.,with its permission. <br />