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3. AMENDED FELLOW EMPLOYEE EXCLUSION <br />EXCLUSION 5. - FELLOW EMPLOYEE - of <br />SECTION II - LIABILITY COVERAGE does not <br />apply if you have workers' compensation <br />insurance in -force covering all of your <br />"employees". <br />Coverage is excess over any other collectible <br />insurance. <br />4. HIRED AUTO PHYSICAL DAMAGE COVERAGE <br />If hired "autos" are covered "autos" for Liability <br />Coverage and if Comprehensive, Specified <br />Causes of Loss, or Collision coverages are <br />provided under this Coverage Form for any "auto" <br />you own, then the Physical Damage Coverages <br />provided are extended to "autos" you hire or <br />borrow, subject to the following limit. <br />The most we will pay for "loss" to any hired "auto" <br />is: <br />(1) $50,000; <br />(2) The actual cash value of the damaged or <br />stolen property at the time of the "loss"; or <br />(3) The cost of repairing or replacing the <br />damaged or stolen property, <br />whichever is smallest, minus a deductible. The <br />deductible will be equal to the largest deductible <br />applicable to any owned "auto" for that coverage. <br />No deductible applies to "loss" caused by fire or <br />lightning. Hired Auto Physical Damage coverage <br />is excess over any other collectible insurance. <br />Subject to the above limit, deductible and excess <br />provisions, we will provide coverage equal to the <br />broadest coverage applicable to any covered <br />"auto" you own. <br />We will also cover loss of use of the hired "auto" if <br />it results from an "accident", you are legally liable <br />and the lessor incurs an actual financial loss, <br />subject to a maximum of $1000 per "accident". <br />This extension of coverage does not apply to any <br />"auto" you hire or borrow from any of your <br />"employees", partners (f you are a partnership), <br />members (if you are a limited liability company), <br />or members of their households. <br />5. PHYSICAL DAMAGE -ADDITIONAL <br />TEMPORARY TRANSPORTATION EXPENSE <br />COVERAGE <br />Paragraph A.4.a. of SECTION III - PHYSICAL <br />DAMAGE COVERAGE is amended to provided a <br />limit of $50 per day and a maximum limit of <br />$1,000. <br />6. LEASE GAP COVERAGE <br />Under SECTION III - PHYSICAL DAMAGE <br />COVERAGE, if a long-term leased "auto" is a <br />covered "auto" and the lessor is named in the <br />policy as a Loss Payee, we will pay in the event <br />of a total "loss" your additional legal obligation to <br />the lessor for any difference between the actual <br />cash value of the "auto" at the time of the "loss" <br />and the "outstanding balance" of the lease. <br />"Outstanding balance" means the amount you <br />owe on the lease at the time of "loss" less any <br />amounts representing taxes; overdue payments; <br />penalties, interest or charges resulting from <br />overdue payments; additional mileage charges; <br />excess wear and tear charges; lease termination <br />fees. <br />7. AIRBAG COVERAGE <br />Under Paragraph B. EXCLUSIONS - of SECTION <br />III - PHYSICAL DAMAGE COVERAGE, the <br />following is added: <br />The exclusion relating to mechanical breakdown <br />does not apply to the accidental discharge of an <br />airbag. <br />8. SOUND RECEIVING AND TRANSMITTING <br />EQUIPMENT - BROADENED COVERAGE <br />Paragraphs B.4.c. & d. - EXCLUSIONS - of <br />SECTION III - PHYSICAL DAMAGE COVERAGE <br />do not apply to equipment designed solely for <br />receiving or transmitting sound and accessories <br />used with such equipment, provided such <br />equipment is permanently installed in the covered <br />"auto" at the time of the "loss" or such equipment <br />is removable from a housing unit which is <br />permanently installed in the covered "auto" at the <br />time of the "loss", and such equipment is <br />designed to be solely operated by use of the <br />power from the "auto's" electrical system, in or <br />upon the covered "auto". <br />9. EXTRA EXPENSE -BROADENED COVERAGE <br />Under Paragraph A. - COVERAGE - of SECTION <br />III - PHYSICAL DAMAGE COVERAGE, we will <br />pay for the expense of returning a stolen covered <br />"auto" to you. <br />10. GLASS REPAIR - WAIVER OF DEDUCTIBLE <br />Under Paragraph D. - DEDUCTIBLE - of SECTION <br />III - PHYSICAL DAMAGE COVERAGE, the <br />following is added: <br />No deductible applies to glass damage if the <br />glass is repaired rather than replaced. <br />Form HA 99 16 03 02 Page 2 of 3 <br />