UNITED INSPECTION & TESTING - 2016

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C. Fellow Employee Coverage The Fallow Employee Exolus[on contained In Section U —Covered Autos Liability Coverage does not apply. D, Driver Safety Program Liability and Physical Damage Coverage 1, The following is added to the Racing Exclusion in Section It— Covered Autos Liability Coverage: This exclusion does not apply to covered "autos" participating in a driver safety program event, such as, but not limited to, auto or truck rodeos and other auto or truck agllity demonstrations, 2, The following is added to Paragraph 2, In the Exclusions of Section III — Physical Damage Coverage of the Business Auto Coverage Form and Paragraph 2,b. In tie Exclusions of Section IW — Physical Damage Coverage of the Motor Carrier Coverage Form: This exclusion does not apply to covered "autos" participating in a driver safety program event, such as, but not limited to, auto or truck rodeos and other auto or truck agility demonstrations. E. Lease or Loan Gap Coverage The following Is added to the Coverage Provision of the Physical Damage Coverage Section: Lease Or Loan Gap Coverage 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 "auto", less: a. Any amount paid under the Physical Damage Coverage Section of the Coverage Form; and b. 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; (4) Costs for extended warranties, credit life insurance, health, accident or disability insurance purchased with the loan orlease; and (5) Carryover balances from previous leases or loans. F. Towing and Labor Paragraph A.Z. of the Physical Damage Coverage Secilon is replaced by the fallowing; We will pay up to $75 for towing and labor costs Incurred each time a covered "auto" of the private passenger type is disabled. However, the labor must be performed at the place of disablement. G, Extended Glass Coverage The fohowing is added to Paragraph A.3.a. of the Physical Damage Coverage Section: If glass must be replaced, the deductible shown In the Declarations will apply. However, if glass can be repaired and is actually repaired rather than replaced, the deductible will be waived. You have the option of having the glass repaired rather then replaced. H. Hired Auto Physical Damage— Incmased Lora of Use Expenses The Coverage Extension for Loss Of Use Expenses in the Physical Damage Coverage Section Is replaced by the following: Loss Of Use Expenses For Hired Auto Physloal Damage, we will pay expenses for which an "In6ured" becomes legally responsible to pay for loss of use of a vehicle rented or hired without a driver under a written rental contractor written rental agreement. We will pay for loss of use expenses if caused by: U•CA•424•F Cw (041141 Page 2 of 6 Includes copyrighted material of Insurance Services Office, Inc., wfth i perml mi. _ REViE VED BY: y� EUNICE HEREDIA (PG)rbF79