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venture, and over which you maintain ownership or majority interest, if there is no other similar insurance available to that organization. But: (1) Coverage under this provision is afforded only until the end of the policy period; and (2) Coverage does not apply to"bodily injury"or"property damage"caused by an "accident"that occurred before you acquired or formed the organization. S. Supplementary Payments—Bail Bonds and Loss of Earnings In Paragraph A.2.a. Supplementary Payments of Section Il--Covered Autos Liability,the following replaces Paragraphs (2)and (4): (2) Up to$3,500 for cost of bail bonds(including bonds for related traffic law violations)required because of an "accident"we cover. We do not have to furnish these bonds. (4) All reasonable expenses incurred by the"insured"at our request, including actual loss of earnings up to$500 a day because of time off from work. C. Section III—Physical Damage Coverage 1. Hired Auto Physical Damage Coverage a, If hired "autos"are coveted"autos" under Section II—Covered Autos Liability Coverage and this policy provides Comprehensive, Specified Causes of Loss or Collision Coverage, any"auto"you lease, hire, rent or borrow will be deemed a covered "auto'for Physical Damage Coverage, subject to the provisions in Paragraph b. below. However, we will only provide such Physical Damage Coverage to borrowed "autos"when: (1) You have agreed to provide physical damage coverage to such "autos" by written contract or agreement; and (2) Such contract or agreement was entered into prior to"loss"to such"auto'. b. For Hired Physical Damage Coverage provided by paragraph a.above: (1) The most we will pay for"loss"to any hired "auto'is the lessor of: (a) $75,000 for"autos"of the private passenger type and $50,000 for all other"autos"; (b) The actual cash value of the damaged or stolen property as of the time of the"loss"; or (c) The cost of repairing or replacing the damaged or stolen property with other property of like kind and quality. (2) The Deductible is the largest Deductible for the applicable coverage for an"auto'you own. (3) This insurance is excess over any other valid and collectible insurance, whether such insurance is primary, excess, contingent or on any other basis. 2. Towing--Any Covered Autos The following replaces Paragraph A.2.Towing of Section III--Physical Damage Coverage: Provided that a premium charge for Towing and Labor is shown in the Declarations,we will pay up to the Limit shown in the Declarations, plus an additional $50, for towing and labor costs incurred each time a covered "auto'is disabled. However,the labor must be performed at the place of disablement. 3. Transportation Expenses Increased In Paragraph AA.a.Transportation Expenses of Section III—Physical Damage Coverage, the amounts we will pay for temporary transportation expenses incurred by you because of the total theft of a covered "auto'of the private passenger type are increased to$75 per day, to a maximum of$2,250. 4. Loss of Use Expenses Increased The following replaces the last paragraph in Paragraph AA.b. Loss Of Use Expenses of Section III— Physical Damage Coverage: However,the most we will pay for any expenses for loss of use is$1,000. 5. Other Coverage Extensions If you have Physical Damage Coverage,the following are added to Paragraph A.4. Coverage Extensions of Section III—Physical Damage Coverage: VCA 20102 23 Includes copyrighted material of Insurance Services Office,Inc.,with its permission. Page 3 of 5