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4. AMENDED FELLOW EMPLOYEE EXCLUSION obligation for any difference between the actual <br /> EXCLUSION 5. - FELLOW EMPLOYEE - of cash value of the "auto" at the time of the "loss" <br /> SECTION II - LIABILITY COVERAGE does not and the "outstanding balance" of the loan/lease. <br /> apply if you have workers' compensation "Outstanding balance" means the amount you <br /> insurance in-force covering all of your owe on the loan/lease at the time of "loss" less <br /> "employees". any amounts representing taxes; overdue <br /> Coverage is excess over any other collectible payments; penalties, interest or charges resulting <br /> insurance. from overdue payments; additional mileage <br /> charges; excess wear and tear charges; lease <br /> 5. HIRED AUTO PHYSICAL DAMAGE COVERAGE termination fees; security deposits not returned by <br /> If hired "autos" are covered "autos" for Liability the lessor; costs for extended warranties, credit <br /> Coverage and if Comprehensive, Specified life Insurance, health, accident or disability <br /> Causes of Loss, or Collision coverages are insurance purchased with the loan or lease; and <br /> provided under this Coverage Form for any "auto" carry-over balances from previous loans or <br /> you own, then the Physical Damage Coverages leases. <br /> provided are extended to "autos" you hire or 8. AIRBAG COVERAGE <br /> borrow, subject to the following limit. <br /> Under Paragraph B. EXCLUSIONS - of SECTION <br /> The most we will pay for "loss" to any hired "auto" III - PHYSICAL DAMAGE COVERAGE, the <br /> is: following is added: <br /> (1) $100,000; The exclusion relating to mechanical breakdown <br /> (2) The actual cash value of the damaged or does not apply to the accidental discharge of an <br /> stolen property at the time of the "loss"; or airbag. <br /> (3) The cost of repairing or replacing the 9. ELECTRONIC EQUIPMENT - BROADENED <br /> damaged or stolen property, COVERAGE <br /> whichever is smallest, minus a deductible. The a. The exceptions to Paragraphs B.4 - <br /> deductible will be equal to the largest deductible EXCLUSIONS - of SECTION III - PHYSICAL <br /> applicable to any owned "auto" for that coverage. DAMAGE COVERAGE are replaced by the <br /> No deductible applies to "loss" caused by fire or following: <br /> lightning. Hired Auto Physical Damage coverage Exclusions 4.c. and 4.d. do not apply to <br /> is excess over any other collectible insurance. equipment designed to be operated solely by <br /> Subject to the above limit, deductible and excess use of the power from the "auto's" electrical <br /> provisions, we will provide coverage equal to the system that, at the time of"loss", is: <br /> broadest coverage applicable to any covered <br /> "auto" you own. (1) Permanently installed in or upon the <br /> We will also cover loss of use of the hired "auto" if covered "auto' <br /> it results from an "accident", you are legally liable (2) Removable from a housing unit which is <br /> and the lessor incurs an actual financial loss, permanently installed in or upon the <br /> subject to a maximum of $1000 per"accident". covered "auto"; <br /> This extension of coverage does not apply to any (3) An integral part of the same unit housing <br /> "auto" you hire or borrow from any of your any electronic equipment described in <br /> "employees", partners (if you are a partnership), Paragraphs (1) and (2) above; or <br /> members (if you are a limited liability company), (4) Necessary for the normal operation of the <br /> or members of their households. covered "auto" or the monitoring of the <br /> 6. PHYSICAL DAMAGE - ADDITIONAL covered "auto's" operating system. <br /> TEMPORARY TRANSPORTATION EXPENSE b. Section III, Physical Damage Coverage, Limit <br /> COVERAGE of Insurance, Paragraph C.2. is amended to <br /> Paragraph A.4.a. of SECTION III - PHYSICAL add the following: <br /> DAMAGE COVERAGE is amended to provide a $1,500 is the most we will pay for "loss" in <br /> limit of $50 per day and a maximum limit of any one "accident" to all electronic equipment <br /> $1,000. (other than equipment designed solely for the <br /> 7. LOAN/LEASE GAP COVERAGE reproduction of sound, and accessories used <br /> with such equipment) that reproduces, <br /> Under SECTION III - PHYSICAL DAMAGE receives or transmits audio, visual or data <br /> COVERAGE, in the event of a total "loss" to a signals which, at l\ <br /> covered "auto", we will pay your additional legal Risk Management Division <br /> EVI o . \\ REWED&APPROVED BY: <br /> •(11llIIt1113*��' Arm <br /> ;RMIMITZW, <br /> Risk Management Specialist <br /> / <br /> Form HA 99 16 12 21 Page 3 of 5 <br />