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"Temporary substitute" means an "auto" that is furnished as a substitute for a covered "auto" when the <br />covered "auto" is out of service because of its breakdown, repair, servicing, "loss" or destruction. <br />IV. SUPPLEMENTARY PAYMENTS - INCREASED LIMITS <br />Subparagraphs A.2.a.(2) and A.2.a.(4) of SECTION II - LIABILITY COVERAGE are deleted and replaced by <br />the following: <br />(2) Up to $3,000 for the cost of bail bonds (including bonds for related traffic law violations) required because <br />of an "accident" we cover. We do not have to furnish these bonds. <br />(4) All reasonable expenses incurred by the "insured" at our request, including the actual loss of earnings up <br />to $500 a day because of time off from work. <br />V. FELLOW EMPLOYEE COVERAGE <br />A. Exclusion B.5. of SECTION 11 - LIABILITY COVERAGE does not apply. <br />B. For the purpose of Fellow Employee Coverage only, Paragraph B.5. of BUSINESS AUTO CONDITIONS <br />is changed as follows: <br />This Fellow Employee Coverage is excess over any other collectible insurance. <br />VI. PERSONAL PROPERTY OF OTHERS <br />Exclusion 6. in SECTION 11 - LIABILITY COVERAGE for a covered "auto" is amended to add: <br />This exclusion does not apply to "property damage" or "covered pollution cost or expense" involving "personal <br />property" of your "employees" or others while such property is carried by the covered "auto". The Limit of <br />Insurance for this coverage is $5,000 per "accident". Payment under this coverage does not increase the <br />Limit of Insurance. <br />For the purpose of this section of this endorsement, "personal property" is defined as any property that is not <br />used in the individual's trade or business or held for the production or collection of income. <br />VII. ADDITIONAL TRANSPORTATION EXPENSE AND COST TO RECOVER STOLEN AUTO <br />A. Paragraph A.4.a. of SECTION III -PHYSICAL DAMAGE COVERAGE is amended as follows: <br />The amount we will pay is increased to $50 per day and to a maximum limit of $1,000. <br />B. Paragraph A.4.a. of SECTION III -PHYSICAL DAMAGE COVERAGE is amended to add the following: <br />If your business is shown in the Declarations as something other than an auto dealership, we will also pay <br />up to $1,000 for reasonable and necessary costs incurred by you to return a stolen covered "auto" from <br />the place where it is recovered to its usual garaging location. <br />Vlll. AIRBAG COVERAGE <br />Exclusion B.3.a. in SECTION III - PHYSICAL DAMAGE COVERAGE is amended to add: <br />This exclusion does not apply to the accidental discharge of an airbag. <br />AC 84 07 07 13 © 2013 Liberty Mutual Insurance. All rights reserved. Page 3 of 11 <br />Includes copyrighted material of Insurance Services Office, Inc., <br />with its permission. <br />p asmc <br />Page 5 0114 <br />1148 <br />