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the theft and ending, regardless of the policy's expiration, <br />when tile covered "auto" is returned to Ilse or rve pay for its <br />..loss." <br />EXTRA EXPENSE — STOLEN AUTOS <br />We will pay up to $1.000 for the expense of retumiag a <br />stolen covered "auto' to you, We will pay only for those <br />covered -mitos' for ivh ichi you early Connprellernsive or <br />Specified Causes of Loss Coverage, <br />HIRED CAR PHYSICAL DAMAGE COVERAGE <br />For purposes of this section. the term "auto" is redefined to <br />meari a laid motor veliicle. "toile" or seniltrailer with a <br />gross vehicle weight under 20,000 pounds designed for travel <br />al public roads, but does not hictude "inobile equipment." <br />If Comprehonshe, Specified Causes of Loss or Collision <br />coverage is provided to all owned autos by this policy. you <br />ttiay extend that coverage to applyto Physical Damage "loss" <br />to hired "altos.' We will provide coverage equal to the <br />mininuini coverage available to any covered "auto" shown in <br />the Declarations. But, the most we will pay for "loss' to a <br />lured "'auto" hi any one "accident' is the lesser of: <br />1, $50,000: or <br />2. The aehwl cash value of the damaged or stolen property <br />as of tine time of the "loss:" or <br />3. The actual cost of repairing or replacing the damaged or <br />stolen property nvith other property of the kind or quality. <br />A part is of l ke kind and quality amen it is of equal or <br />better condition than the pre -accident part. We will use <br />tine original equipment from the manufacturer cvtnen: <br />a) The operational safety of the vehicle might <br />otherwise be impaled: <br />b) Reasonable said diligent efforts to locate tine <br />appropriate rebuilt, aftermarket or used part have <br />been unsuccessful: <br />0 A new oriental equipment part of like kind and <br />quality is available and will result in the lowest <br />overall repair cost: <br />d) For vehiclos insured under policies written or or <br />before December .11, 2003, the vehicle has been <br />used no more than 15,000 miles mlless tine pre. <br />accident condition warrants otherwise� or <br />e) For vehicles insured natter policies written on or <br />after Janina) 1, 2004, the vehicle has been used no <br />more than 20,000 miles unless the pro -accident <br />condition warrants otherwise. <br />FPICO200 (12.-11) <br />For each hired "auto" our obligation to pay "loss" will be <br />reduced by a deductible equal to the""iuelest deductible <br />applicable to any owned "auto" for that coverage. No <br />deductible will be applied to 'loss" caused by fine or. <br />lightnhng. We will also pay up to $500 per "accident" for <br />loss of use of the lured 'alto"' if it results from an '"accident' <br />for which you are legally liable, The lessor roust suffer all <br />actual financial "loss' for this coverage to apply. <br />Hired Car Physical Damage Coverage provided by this <br />extension is excess over ally other collectible insurance. <br />LOANlLEASE GAP COVERAGE <br />For purposes of this section, the term "auto' is redefined to <br />mean a land motor vehicle. "trailer' or serultrahor with a <br />gross vehicle weight under 20,000 pounds designed for travel <br />oil public roads, but does not include "mobile equipment;' <br />If a long-term leased or financed "auto' is a covered"auto" <br />for the Physical Damage Coverage applicable to a total <br />"loss," kind the lessor or fu uncial institution is an additional <br />insured under this Coverage Part, nve will pay up to a <br />fraxinuna of $15,000 the difference between amounts von <br />owe the lessor or firnHrlelal institution amler the lease or loan <br />terms and the amount of insurance paid the lessor or fuumcial, <br />institution for the total "loss" of the covered "auto- rums: <br />any payments overdue at the flue of the loss: any fniancial <br />penalties imposed due to wear and tear, high nuleage or <br />similar Charges: any security deposits not refunded by the <br />lessor or financial institution: any costs for credit life, health <br />and accident, or disability insurance: cry costs for extended <br />waraities: or nay carry-over balances from previous leases <br />or loans. You are responsible for kite dectuctiblo applicable to <br />the "loss" for the covered "auto". This coverage is excess <br />insurance over any, other collectible insurance or lease <br />provision. <br />PERSONAL EFFECTS COVERAGE <br />We will pay up to $ F00 for "loss" to wearing apparel said <br />Other personal effccts, Whichare: <br />1. Owaecl by an"insured:" and <br />2. In or on your coveted "auto:" <br />hi the event of a total theft "loss" of your covered "auto." <br />No deductibles apply to Personal Effects CO age, <br />RENTAL REINIBURSEMENT C44RAGE,s <br />1. We will pay for rental re e3l ennent x esy r' ed <br />by you for the rental of Ivanto la1iXo a <br />covered "auto,' Payment applies i I {n t$e <br />otherwise applicable amount of Rtwbte Vol] have <br />on a covered "auto," No de ti iky ,- to Rental <br />Reimburseracnt Coverae "I <br />hmludes aiprrhhted nvdnrial of 180 Propeftim tic. with ins parmimiuo Page 2 of 3 <br />