Personal Auto Policy

Personal Auto Policy

We know how important it is for you to stay on the move.

St. Louis, Missouri National General Insurance Online, Inc. MIC General Insurance Corporation National General Insurance Company National General Assurance Company Winston-Salem, North Carolina Integon Casualty Insurance Company Integon General Insurance Corporation Integon Indemnity Corporation Integon National Insurance Company Integon Preferred Insurance Company New South Insurance Company

YOUR PERSONAL AUTO POLICY QUICK REFERENCE

DECLARATIONS PAGE Your Name, Address, Auto or Trailer, Policy Period, Coverages and Amounts of Insurance

This policy is a legal contract between you and us. These policy provisions, along with statements made at the time of application, the Declarations page, and any endorsements issued, complete this policy.

Read your policy carefully. Provisions of this contract and its endorsements (if any) restrict coverage. Be certain you understand all of the coverage terms, the exclusions, and your rights and duties.

AGREEMENT . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 DEFINITIONS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1

PART A > LIABILITY COVERAGE . . . . . . . . . . .3 Insuring Agreement . . . . . . . . . . . . . . . . . . . . .3 Supplementary Payments . . . . . . . . . . . . . . .3 Exclusions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Limit of Liability . . . . . . . . . . . . . . . . . . . . . . . . . .6 Out of State Coverage . . . . . . . . . . . . . . . . . . .6 Financial Responsibility Required . . . . . . . .7 Other Insurance . . . . . . . . . . . . . . . . . . . . . . . . . .7

PART B > MEDICAL PAYMENTS COVERAGE . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Insuring Agreement . . . . . . . . . . . . . . . . . . . . .7 Exclusions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Limit of Liability . . . . . . . . . . . . . . . . . . . . . . . . . .9 Other Insurance . . . . . . . . . . . . . . . . . . . . . . . . .9

PART C > UNINSURED MOTORISTS COVERAGE . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9 Insuring Agreement . . . . . . . . . . . . . . . . . . . . .9 Definitions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9 Exclusions . . . . . . . . . . . . . . . . . . . . . .. . . . . . . .1 0 Limit of Liability . . . . . . . . . . . . . . . . . . . . . . . .1 1 Other Insurance . . . . . . . . . . . . . . . . . . . . . . . .1 1 Arbitration . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .12

PART D > COVERAGE FOR DAMAGE TO YOUR AUTO . . . . . . . . . . . . . . . . . . . . . . . . .12 Insuring Agreement . . . . . . . . . . . . . . . . . . . .12 Towing and Storing Charges . . . . . . . . . . .13 Transportation and Emergency Travel Expenses . . . . . . . . . . . . . . . . . . . . . . . . .13

Locksmith Services . . . . . . . . . . . . . . . . . . . . . .14 Theft Reward . . . . . . . . . . . . . . . . . . . . . . . . . . .14 Exclusions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .14 Limit of Liability . . . . . . . . . . . . . . . . . . . . . . . .16 Payment of Loss . . . . . . . . . . . . . . . . . . . . . . . .1 7 No Benefit to Bailee . . . . . . . . . . . . . . . . . . . .1 7 Other Sources of Recovery . . . . . . . . . . . . . .1 7 Appraisal . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 7

PART E > DUTIES AFTER AN ACCIDENT OR LOSS FILING A CLAIM . . . . . . . . . . . . . . .18 General Duties . . . . . . . . . . . . . . . . . . . . . . . . . .18 Additional Duties for Uninsured Motorists Coverage . . . . . . . . . . . . . . . . . . . . .18 Additional Duties for Coverage for Damage to Your Auto . . . . . . . . . . . . . . . . . .18

PART F > GENERAL PROVISIONS . . . . . . . .19 Additional Definition Used in This Part . .19 Bankruptcy . . . . . . . . . . . . . . . . . . . . . . . . . . . . .19 Changes . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .19 Legal Action Against Us . . . . . . . . . . . . . . . .19 Our Right to Recover Payment . . . . . . . . .20 Policy Period and Territory . . . . . . . . . . . . . .20 Premium Due on Policies . . . . . . . . . . . . . . .20 Termination Cancellation, Nonrenewal, Automatic Termination, Other Termination Provisions . . . . . . . . . . . . . . . . .21 Transfer of Your Interest in This Policy . .22 Misrepresentation and Fraud . . . . . . . . . .22 Unpaid Premium and Fees . . . . . . . . . . . . .23 Two or More Auto Policies . . . . . . . . . . . . . .23 Participation Clause . . . . . . . . . . . . . . . . . . . .23

6306 (08012001)

YOUR PERSONAL AUTO POLICY QUICK REFERENCE

DECLARATIONS PAGE Your Name, Address, Auto or Trailer, Policy Period, Coverages and Amounts of Insurance

This policy is a legal contract between you and us. These policy provisions, along with statements made at the time of application, the Declarations page, and any endorsements issued, complete this policy.

Read your policy carefully. Provisions of this contract and its endorsements (if any) restrict coverage. Be certain you understand all of the coverage terms, the exclusions, and your rights and duties.

AGREEMENT . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 DEFINITIONS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1

PART A > LIABILITY COVERAGE . . . . . . . . . . .3 Insuring Agreement . . . . . . . . . . . . . . . . . . . . .3 Supplementary Payments . . . . . . . . . . . . . . .3 Exclusions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Limit of Liability . . . . . . . . . . . . . . . . . . . . . . . . . .6 Out of State Coverage . . . . . . . . . . . . . . . . . . .6 Financial Responsibility Required . . . . . . . .7 Other Insurance . . . . . . . . . . . . . . . . . . . . . . . . . .7

PART B > MEDICAL PAYMENTS COVERAGE . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Insuring Agreement . . . . . . . . . . . . . . . . . . . . .7 Exclusions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Limit of Liability . . . . . . . . . . . . . . . . . . . . . . . . . .9 Other Insurance . . . . . . . . . . . . . . . . . . . . . . . . .9

PART C > UNINSURED MOTORISTS COVERAGE . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9 Insuring Agreement . . . . . . . . . . . . . . . . . . . . .9 Definitions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9 Exclusions . . . . . . . . . . . . . . . . . . . . . .. . . . . . . .1 0 Limit of Liability . . . . . . . . . . . . . . . . . . . . . . . .1 1 Other Insurance . . . . . . . . . . . . . . . . . . . . . . . .1 1 Arbitration . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .12

PART D > COVERAGE FOR DAMAGE TO YOUR AUTO . . . . . . . . . . . . . . . . . . . . . . . . .12 Insuring Agreement . . . . . . . . . . . . . . . . . . . .12 Towing and Storing Charges . . . . . . . . . . .13 Transportation and Emergency Travel Expenses . . . . . . . . . . . . . . . . . . . . . . . . .13

Locksmith Services . . . . . . . . . . . . . . . . . . . . . .14 Theft Reward . . . . . . . . . . . . . . . . . . . . . . . . . . .14 Exclusions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .14 Limit of Liability . . . . . . . . . . . . . . . . . . . . . . . .16 Payment of Loss . . . . . . . . . . . . . . . . . . . . . . . .1 7 No Benefit to Bailee . . . . . . . . . . . . . . . . . . . .1 7 Other Sources of Recovery . . . . . . . . . . . . . .1 7 Appraisal . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 7

PART E > DUTIES AFTER AN ACCIDENT OR LOSS FILING A CLAIM . . . . . . . . . . . . . . .18 General Duties . . . . . . . . . . . . . . . . . . . . . . . . . .18 Additional Duties for Uninsured Motorists Coverage . . . . . . . . . . . . . . . . . . . . .18 Additional Duties for Coverage for Damage to Your Auto . . . . . . . . . . . . . . . . . .18

PART F > GENERAL PROVISIONS . . . . . . . .19 Additional Definition Used in This Part . .19 Bankruptcy . . . . . . . . . . . . . . . . . . . . . . . . . . . . .19 Changes . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .19 Legal Action Against Us . . . . . . . . . . . . . . . .19 Our Right to Recover Payment . . . . . . . . .20 Policy Period and Territory . . . . . . . . . . . . . .20 Premium Due on Policies . . . . . . . . . . . . . . .20 Termination Cancellation, Nonrenewal, Automatic Termination, Other Termination Provisions . . . . . . . . . . . . . . . . .21 Transfer of Your Interest in This Policy . .22 Misrepresentation and Fraud . . . . . . . . . .22 Unpaid Premium and Fees . . . . . . . . . . . . .23 Two or More Auto Policies . . . . . . . . . . . . . .23 Participation Clause . . . . . . . . . . . . . . . . . . . .23

6306 (08012001)

YOUR PERSONAL AUTO POLICY QUICK REFERENCE

DECLARATIONS PAGE Your Name, Address, Auto or Trailer, Policy Period, Coverages and Amounts of Insurance

This policy is a legal contract between you and us. These policy provisions, along with statements made at the time of application, the Declarations page, and any endorsements issued, complete this policy.

Read your policy carefully. Provisions of this contract and its endorsements (if any) restrict coverage. Be certain you understand all of the coverage terms, the exclusions, and your rights and duties.

AGREEMENT . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 DEFINITIONS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1

PART A > LIABILITY COVERAGE . . . . . . . . . . .3 Insuring Agreement . . . . . . . . . . . . . . . . . . . . .3 Supplementary Payments . . . . . . . . . . . . . . .3 Exclusions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Limit of Liability . . . . . . . . . . . . . . . . . . . . . . . . . .6 Out of State Coverage . . . . . . . . . . . . . . . . . . .6 Financial Responsibility Required . . . . . . . .7 Other Insurance . . . . . . . . . . . . . . . . . . . . . . . . . .7

PART B > MEDICAL PAYMENTS COVERAGE . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Insuring Agreement . . . . . . . . . . . . . . . . . . . . .7 Exclusions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Limit of Liability . . . . . . . . . . . . . . . . . . . . . . . . . .9 Other Insurance . . . . . . . . . . . . . . . . . . . . . . . . .9

PART C > UNINSURED MOTORISTS COVERAGE . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9 Insuring Agreement . . . . . . . . . . . . . . . . . . . . .9 Definitions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9 Exclusions . . . . . . . . . . . . . . . . . . . . . .. . . . . . . .1 0 Limit of Liability . . . . . . . . . . . . . . . . . . . . . . . .1 1 Other Insurance . . . . . . . . . . . . . . . . . . . . . . . .1 1 Arbitration . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .12

PART D > COVERAGE FOR DAMAGE TO YOUR AUTO . . . . . . . . . . . . . . . . . . . . . . . . .12 Insuring Agreement . . . . . . . . . . . . . . . . . . . .12 Towing and Storing Charges . . . . . . . . . . .13 Transportation and Emergency Travel Expenses . . . . . . . . . . . . . . . . . . . . . . . . .13

Locksmith Services . . . . . . . . . . . . . . . . . . . . . .14 Theft Reward . . . . . . . . . . . . . . . . . . . . . . . . . . .14 Exclusions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .14 Limit of Liability . . . . . . . . . . . . . . . . . . . . . . . .16 Payment of Loss . . . . . . . . . . . . . . . . . . . . . . . .1 7 No Benefit to Bailee . . . . . . . . . . . . . . . . . . . .1 7 Other Sources of Recovery . . . . . . . . . . . . . .1 7 Appraisal . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 7

PART E > DUTIES AFTER AN ACCIDENT OR LOSS FILING A CLAIM . . . . . . . . . . . . . . .18 General Duties . . . . . . . . . . . . . . . . . . . . . . . . . .18 Additional Duties for Uninsured Motorists Coverage . . . . . . . . . . . . . . . . . . . . .18 Additional Duties for Coverage for Damage to Your Auto . . . . . . . . . . . . . . . . . .18

PART F > GENERAL PROVISIONS . . . . . . . .19 Additional Definition Used in This Part . .19 Bankruptcy . . . . . . . . . . . . . . . . . . . . . . . . . . . . .19 Changes . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .19 Legal Action Against Us . . . . . . . . . . . . . . . .19 Our Right to Recover Payment . . . . . . . . .20 Policy Period and Territory . . . . . . . . . . . . . .20 Premium Due on Policies . . . . . . . . . . . . . . .20 Termination Cancellation, Nonrenewal, Automatic Termination, Other Termination Provisions . . . . . . . . . . . . . . . . .21 Transfer of Your Interest in This Policy . .22 Misrepresentation and Fraud . . . . . . . . . .22 Unpaid Premium and Fees . . . . . . . . . . . . .23 Two or More Auto Policies . . . . . . . . . . . . . .23 Participation Clause . . . . . . . . . . . . . . . . . . . .23

6306 (08012001)

TPEERRMSOINNATAIOL NAUCATNOCMELOLABTILIOENP,ONLOINCYRE?NE6W26A6L, (A0U8T0O1M2A0T0IC1)TERMINATION,

DISHONORED/INSUFFICIENT CHECKS, CREDIT CARDS, DRAFT OR OTHER RAEGMREITETMAENNCTE, OTHER TERMINATION PROVISIONS ATh. isCapnocliecyllaistiiossnu. eTdhaisnpdorleincyewmeadyibnereclaianncceelleudpodnutrhinegtrtuhtehpaonlidcyacpceurriaocdyaosf ftohlelows: repr1e. seTnhteatnioanmsemd aindseuirnetdhsehaopwpnliciantitohnefDoer ctlhairsaitniosunrsamncaey. cTahnecteelrbmy:s of this policy imposea.obrleigtuartinoinsgotnhiasllppoelircsyontos duesf;ionred as you. The responsibilities, acts and/or omissiobn. sg, iinvicnognunsecatdiovnanwciethwtrhitisteinnsnuoratnicceeo, offtahneydpaetresocanndceeflilnaetdioansisyotuo stahkaell be binding upeoffnecatl.l other persons defined as you.

aIngrre2et.euwaWrntitetfhhomryeoapauyadycadmasrneefsconseltllsoobhwfyostwm:henapiilnrinetmghitisuopmtohlaeicnnyd:asmuebdjeicntstuoraeldl tshheotwenrmins tohfethDisecploalriactyi,ownes

DEFINIaT.IOaNt Sleast 10 days notice:

A. Throug(h1 )ouift ctahnisceplolalitciyo,n"Yisoufo"rannodn"pYaoyumr"ernetfeorf tpor:emium; or

1. the(n2a) mifendoitnicseuriesdmsahiolewdndiunritnhge tDheeclfairsatti6o0nsd; aynsdthis policy is in effect

2. the spoaunsde itfhaisreissindoetntaorfentheewsaalmorechoonutsineuhaotldio. n policy; or

3. ban. iantdlievaidsuta2l0wdhaoy:s notice in all other cases. a. is a resident of the named insured's household; and

3. Ab.ftewrhthoiscop-oolwicynsisoineefofrecmt oforer 6v0ehdicalyess, oinr sifutrheids uisnadreerntehwisapl olricyonwtitnhuathtieon

polincay,mweedwinilsl ucarendceolrornelsyi:dent spouse; and

ac.. fisornnoot napfaaymmileynmt oemf pbreerm. ium; or

B.

"pWroeb,v".i"duii((nfs21"gy)) oataanuhnndriyysd"ddiornirruvsiievrvu"eerr'rrrsaewwnlfiecchhreeoo.ntoclsiuevtehsotserowCtmhoitaamhrtipyloyoaf:uuns;yeossrhyoowunr

in the Declarations as covered auto; has been

C. For purposseussopfenthdiesdporlicrey,vaokperdiv.aTtehipsamssuesntghearvteypoeccauurtroeds:hall be deemed to

be ownedi.bydaurpinergsothneifploelaicsyedp:eriod; or 1. under aii.wsriintcteenthagerleaesmt aennnt itvoertshaartypoefrstohne;oarnigdinal effective date 2. for a contiinf uthoeusppoleirciyodpeorfioadt liesaostth6ermtohnatnh1s.year; or

The folclo. wifintghewpoordliscyorwpahsraosbetsa, iwnhedenthprroinutgehd imn abtoelrdi-aflamceidsrteyppreeoser nintaqtuioonta. tion

mB. aNrkos,narreendeewfianle. dIfaws efodlleocwids:e not to renew or continue this policy, we will mail

D. "npi1cAotn.eeolucarrttctaliimhieomictodisedssftes.fhtpontotoSehofhtru"eltyeadihbconmnoayjeudewm.oernconNanatpafeneogomttsryotelhs:iieescchetaadeyheirp.p,isiiwtosw,nuhmlisndieleculodarywbrteiebpnienicdyletlem,erashuinrohnaaneadoivqelin.eewnxucdsptineruheaeoreictmnertrldeietuegdhanoshesertatt,naDoin2fgdfeo0tacatuhildnnanteaorsiapynatrustoteaitelnbonoincneeydtiwfsnhoepsaardoeuettrrertitrecvohehodedseennuuiatetslintdnn:asdddureiirensoeristfnathshtgehsehepoopwloiclniycy

E. "2A.ct1uyaelacraosrhlovnaglueer,"wmeewanillsh: tahve ftahier mrigahrtkentovtatloureeonfewtheorsctonletninouredtahmisapgoelidcy

proapteeratychatanthneivteirmsaeryofofloitss.original effective date.

FC.. "cytArmwAhooouuenhuaotttoerdteoioemnrns"elrudsaampvantaoretieedncfhiasodtTihenncheniwslgerep:tmhhsarcaewituidcinmlvrhaeaareysinetiusisdindgom;otrnanmepnen.qwooddouIhftltiidopcerwaerrryniciedvvmpcdeeoeteuhnaofprferiitecbobi,lslrydeyethht.pfrhaooieFoslagalrrwvepimiolisneounpterelregieaewcorrmneytatdhootwtoierhuoprircelannalottydtahnuhyeuattpoarhitnnuonoetunmhmhtre:eheauatqryvlhtsaeoueicecweuiuanrplrsellooaludpyrtarebodtrapllleeabicioccnrtcewmyieesnawpetargirnirntnea.etadelgodtoteysoroauutror G. "oBfofedr.ilyIfiynojuroyb"tmaineaonths:erbiondsiulyrahnacremo,nsiycokunrecsosvoereddisaeuatsoe,,aincylsuidminilagrdinesauthratnhcaet

prerosuvildtsetdhberyetfhroismp. oBloicdyilwy inlljuterrymdoineastneoatsintcoluthdeathaurmto, soicnkntheesse, dffiesectaisveeodradteaothf tahreisointgheoruitnosfuaramnceed.ically defined communicable disease contracted by any person nor the exposure of such a disease by any person to any other person. D. Dishonored / Insufficient Checks, Credit Cards, Draft or other Remittance. If H. y"Bouuspinaeysyso"umr ienaintisa:l ptrraedme,iupmroffeosrsaionny onreowccpuopliactyioonr .any subsequent renewal by I. "cDheepcrke,cciraetdioitn"camrde,adnrsa:ftd,eocrlianneyorfevmaliutetadnuceetoothweeratrhaanndctaesahr ,otrhoebcsoovleesrcaegnece.

211

 ................
................

In order to avoid copyright disputes, this page is only a partial summary.

Google Online Preview   Download