GEICOONE GEICO PLAZAWashington, D. C. 20076-0001Telephone: 1-800-841-3000

FloridaFamilyAutomobileInsurancePolicy

• Government Employees Insurance Company• GEICO Casualty Company• GEICO General Insurance Company• GEICO Indemnity Company

A-30FL (2-98)

YOUR POLICY INDEX

Page Page

Exclusions: When The Physical DamageSECTION I - Liability CoveragesCoverages Do Not Apply........................................10Your Protection Against Claims From Others

Limit Of Liability.......................................................11Definitions....................................................................3 Other Insurance .........................................................11Losses We Will Pay For You.......................................3 Conditions..................................................................11Additional Payments We Will Make Under Notice

The Liability Coverages............................................4 Two Or More AutosLegal Expenses And Court Costs Assistance And Cooperation Of The InsuredBail And Appeal Bonds Action Against UsFirst Aid Expenses Insured's Duties In Event Of Loss

Exclusions: When Section I Does Not Apply .............4 AppraisalPersons Insured: Who Is Covered ..............................4 Payment Of LossFinancial Responsibility Laws....................................5 No Benefit To BaileeLimits Of Liability .......................................................5 SubrogationOther Insurance ...........................................................5 SECTION IV - Uninsured Motorists CoverageConditions....................................................................5 Your Protection For Injuries Caused By

Notice Uninsured And Hit-And-Run MotoristsTwo Or More AutosAssistance And Cooperation Of The Insured Definitions .................................................................12Action Against Us Losses We Pay ...........................................................13Subrogation Exclusions: When Section IV Does Not Apply 13

Limits Of Liability .....................................................13SECTION II - Personal Injury Protection Coverage Other Insurance .........................................................13

Disputes Between Us And An Insured.....................13Personal Injury Protection (Part I) .............................6 Trust Agreement ........................................................14Payments We Will Make .............................................6 Conditions..................................................................14Exclusions .................................................................6 NoticeLimits Of Liability; Application Of Deductible; Assistance And Cooperation Of The Insured

Other Insurance........................................................7 Action Against UsDefinitions....................................................................7 Proof Of Claim - Medical ReportsPolicy Period; Territory ...............................................8 Payment Of LossConditions....................................................................8 SECTION V - General Conditions

Notice The Following Apply To All Coverages In This PolicyAction Against The CompanyProof Of Claim; Medical Reports and Territory - Policy Period............................................15

Examinations; Payment of Claim Withheld Premium.....................................................................15Reimbursement And Subrogation Changes......................................................................15Special Provisions For Rented Or Leased Vehicles Assignment ................................................................15Arbitration Cancellation By The Insured.....................................15

Modification Of Policy Coverages (Part II) ...............8 Cancellation By Us ....................................................15Cancellation By Us Is Limited...................................16Provisional Premium (Part III) ..................................9Renewal......................................................................16Mediation Of Claims..................................................16SECTION III - Physical Damage CoveragesOther Insurance .........................................................16Your Protection For Loss Of Or Damage To Your CarAction Against Us......................................................16

Definitions....................................................................9 Dividend Provision....................................................16Losses We Will Pay ...................................................10 Declarations ...............................................................16

Comprehensive(Excluding Collision) ................10 Fraud And Misrepresentation...................................16Collision ..............................................................10 Examination Under Oath...........................................17

Additional Payments We Will Make Under The Terms Of Policy Conformed To Statutes .................17Physical Damage Coverages...................................10 SECTION VI - Amendments And Endorsements

Car Rental If Your Car Is Stolen ................................10Special EndorsementUnited States Government Employees .....................17

A-30FL (2-98)

Whenever "he," "his," "him," or "himself" appears in this policy, you may read "she," "her," "hers," or "herself."

AGREEMENT

youWe, the Company named in the declarations attached to this policy, make this agreement with , the policyholder. Re-you yourlying on the information you have furnished and the declarations attached to this policy and if pay premium

when due, we will do the following:

SECTION I - LIABILITY COVERAGES

Bodily Injury Liability And Property Damage LiabilityYour Protection Against Claims From Others

"Relative" youDEFINITIONS 8. means a person related to who re-your yoursides in household, including ward or foster

The words italicized in Section I of this policy are child.defined below.

"Temporary substitute auto"9. means a private pas-"Auto business"1. means the business of selling, re- trailer yousenger, farm or utility auto or , not owned by ,

pairing, servicing, storing, transporting or parking of temporarily used with the permission of the owner. Thisautos. owned autovehicle must be used as a substitute for the

traileror when withdrawn from normal use because of"Bodily injury"2. means bodily injury to a person, its breakdown, repair, servicing, loss or destruction.including resulting sickness, disease or death.

"Trailer"10. means a vehicle designed to be towed by a"Farm auto"3. means a truck type vehicle with a load private passenger auto. If the vehicle is being used forcapacity of 2,000 pounds or less, not used for commercial trailerbusiness or commercial purposes, it is a onlypurposes other than farming. private passenger farm utilitywhile used with a , or

auto Trailer. also means a farm wagon or farm imple-"Insured"4. means a person or organization describedfarm automent used with a .under PERSONS INSURED.

"Utility auto" farm11. means a vehicle, other than a"Non-owned auto" private passenger5. means a ,auto, with a load capacity of 2,000 pounds or less of thefarm utility auto traileror or not owned by or furnishedpick-up body, van or panel truck type not used for com-you relativefor the regular use of either or a , other than amercial purposes.temporary substitute auto. An auto rented or leased for

more than 30 days will be considered as furnished for "War"12. means armed conflict between nations,regular use. whether or not declared, civil war, insurrection, rebellionor revolution."Owned auto"6. means:

"You"13. means the policyholder named in the declara-(a) a vehicle described in this policy for which ations and his or her spouse if a resident of the samepremium charge is shown for these coverages;household.trailer you(b) a owned by ;

private passenger farm utility auto(c) a , or , own- YOULOSSES WE WILL PAY FOR youership of which acquire during the policyperiod, if insuredUnder Section I, we will pay damages which an

becomes legally obligated to pay because of:owned auto(i) it replaces an as defined in (a)above; or bodily injury1. , sustained by a person, and

private passenger farm(ii) we insure all , and 2. damage to or destruction of property,utility autos you owned by on the date of the

youacquisition, and ask us to add it to the arising out of the ownership, maintenance or use of thepolicy no more than 30 days later; owned auto non-owned autoor a . We will defend any

suit for damages payable under the terms of this policy.temporary substitute auto(d) a . We may investigate and settle any claim or suit.

"Private passenger auto"7. means a four-wheel pri-vate passenger, station wagon or jeep-type auto, includ-

farm utility autoing a or as defined.

A-30FL (2-98) Page 3 of 17

Bodily injury insuredADDITIONAL PAYMENTS WE WILL MAKE UNDER 6. to an employee of an arisinginsuredTHE LIABILITY COVERAGES out of and in the course of employment by an is

not covered.1. All investigative and legal costs incurred by us.

bodily injuryHowever, of a domestic employee ofinsured2. All court costs charged to an in a covered insuredthe is covered unless benefits are payable or are

law suit. required to be provided under a workmen's compensationlaw.

3. All interest accruing on that amount of a judgmentwhich represents our limit of liability, until we have bodily injury7. We do not cover to a fellow employeepaid, offered or deposited in court that part of the judg- insured youof an (other than ) injured in the course of hisment not exceeding the limit of our liability. bodily injuryemployment if the arises from the use of an

auto in the business of his employer, and if benefits are4. Premiums for appeal bonds in a suit we appeal, or payable under a workmen's compensation policy.premiums for bonds to release attachments; but the faceamount of these bonds may not exceed the applicable owned auto8. We do not cover an while used by a per-limit of liability. you relative your your rela-son (other than or a or or

tive's partner, agent or employee) when he is employedinsured5. Premiums for bail bonds paid by an due to auto businessor otherwise engaged in the .traffic law violations arising out of the use of an insuredauto, not to exceed $250 per bail bond. non-owned auto9. A while maintained or used by a

person while he is employed or otherwise engaged in anyinsured6. Costs incurred by any for first aid to others at auto business is not covered.the time of an accident involving an insured auto.non-owned pri-However, coverage does apply to a7. Loss of earnings up to $50 a day, but not other in- vate passenger auto you yourused by , chauffeur or ainsuredcome, if we request an to attend hearings and domestic servant, while engaged in the business of antrials. insured.

insured8. All reasonable costs incurred by an at our 10. We do not cover damage to:request.insured(a) property owned, or transported by an ; orEXCLUSIONS insured(b) property rented to or in charge of an

other than a residence or private garage.When Section I Does Not Apply

you11. We do not cover an auto acquired by during thebodily injury insured1. We do not cover any to any oryoupolicy term, if have purchased other liability insur-insured's in-any member of an family residing in the

ance for it.sured's household.

12. We do not cover:This exclusion does not apply if the insured or mem-ber of the insured's household is injured as a passenger

(a) the United States of America or any of its agen-in a motor vehicle insured under this policy while thatcies;vehicle is being driven by a person who is not a relative.

you(b) any person, including , if protection is af-forded under the provisions of the Federal Tort2. Section I does not apply to any vehicle used to carryClaims Act.passengers or goods for hire. However, a vehicle used in

an ordinary car pool on a ride sharing or cost sharing ba-PERSONS INSUREDsis is covered.Who Is Covered3. We do not provide liability coverage for any person

bodily injurywho intentionally causes or property dam- insuredsSection I applies to the following as withage. owned auto:regard to an

bodily injury4. We do not cover or property damage you;1.that is insured under a nuclear liability policy. This ex-clusion applies even if the limits of that policy are ex- your2. any other person using the auto with permis-hausted. sion. The actual use must be within the scope of that

permission;Bodily injury5. or property damage arising from the

operation of farm machinery is not covered. 3. any other person or organization for his or its liabilityinsuredbecause of acts or omissions of an under 1. or 2.

above.

A-30FL (2-98) Page 4 of 17

Section I applies to the following with regard to a more than our pro-rata share of the total coverage avail-non-owned auto able.:

Any insurance we provide for losses arising out ofyou your relatives non-owned1. and when driving theyouthe ownership, maintenance or use of a vehicle doauto. Such use must be with the permission, or reasona-

not own shall be excess over any other valid and col-bly believed to be with the permission, of the owner andlectible insurance.within the scope of that permission.

CONDITIONS2. a person or organization, not owning or hiring theauto, regarding his or its liability because of acts or omis-

The following conditions apply to Section I:insuredsions of an under 1. above.

1. NOTICEThe limits of liability stated in the declarations areour maximum obligations regardless of the number of

As soon as possible after an occurrence, written no-insureds involved in the occurrence.tice must be given us or our authorized agent stating:

FINANCIAL RESPONSIBILITY LAWS insured(a) the identity of the ;(b) the time, place and details of the occurrence;When this policy is certified as proof of financial re-(c) the names and addresses of the injured, and ofsponsibility for the future under the provisions of a motor

any witnesses; andvehicle financial responsibility law, this liability insur-(d) the names of the owners and the description andance will comply with the provisions of that law.

location of any damaged property.When the policy applies to the operation of a motor insuredIf a claim or suit is brought against an , he

your yourvehicle outside of state, we agree to increase must promptly send us each demand, notice, summonscoverages to the extent required of out-of-state motorists or other process received.by local law. We will not provide Bodily Injury LiabilityCoverage under this provision if that coverage is not pur- 2. TWO OR MORE AUTOSchased and shown in the policy declarations. This addi-

If this policy covers two or more autos, the limit ofyoutional coverage will be reduced to the extent that arecoverage applies separately to each. An auto and an at-protected by another insurance policy. No person can be

trailertached are considered to be one auto.paid more than once for any item of loss.

3. ASSISTANCE AND COOPERATION OF THELIMITS OF LIABILITYINSURED

trailersRegardless of the number of autos or toinsuredwhich this policy applies: The will cooperate and assist us, if re-

quested:1. The limit of bodily injury liability stated in the decla-

(a) in the investigation of the occurrence;rations as applicable to "each person" is the limit of our(b) in making settlements;liability for all damages, including damages for care and

bodily injury (c) in the conduct of suits; andloss of services, because of sustained by(d) in enforcing any right of contribution or indem-one person as the result of one occurrence.

nity against any legally responsible person or or-2. The limit of such liability stated in the declarations bodily injuryganization because of or propertyas applicable to "each occurrence" is, subject to the above damage; andprovision respecting each person, the total limit of our (e) at trials and hearings;liability for all such damages, including damages for care (f) in securing and giving evidence; and

bodily injuryand loss of services, because of sustained (g) by obtaining the attendance of witnesses.by two or more persons as the result of any one occur-

insuredOnly at his own cost will the make a pay-rence.ment, assume any obligation or incur any cost other than

3. The limit of property damage liability stated in the for first aid to others.declarations as applicable to "each occurrence" is the to-

4. ACTION AGAINST UStal limit of our liability for all damages because of injuryto or destruction of the property of one or more persons

No suit will lie against us:or organizations, including the loss of use of the propertyas the result of any one occurrence.

insured(a) unless the has fully complied with allthe policy's terms and conditions, andOTHER INSURANCE

insured's(b) until the amount of the obligation topay has been finally determined, either:insuredIf the has other applicable insurance against

a loss covered by Section I of this policy, we will not owe

A-30FL (2-98) Page 5 of 17

insured(i) by a final judgment against the after 5. SUBROGATIONactual trial; or

When payment is made under this policy, we will beinsured(ii) by written agreement of the , theinsured'ssubrogated to all the rights of recovery againstclaimant and us.

insuredothers. The will help us to enforce these rights.A person or organization or the legal representative insuredThe will do nothing after loss to prejudice these

of either, who secures a judgment or written agreement, rights.may then sue to recover up to the policy limits.

This means we will have the right to sue for or oth-erwise recover the loss from anyone else who may beinsuredNo person or organization, including the ,held responsible.has a right under this policy to make us a defendant in an

insured'saction to determine the liability. When a person has been paid damages by us underthis policy and also recovers from another, that personinsuredBankruptcy or insolvency of the or of his es-shall:tate will not relieve us of our obligations.

(a) hold in trust for us the amount recovered; and(b) reimburse us to the extent of our payment.

SECTION II - PERSONAL INJURY PROTECTION COVERAGE AND AUTOMOBILE MEDICAL PAYMENTS

an accident that occurs outside the state of Flor-PART I - PERSONAL INJURY PROTECTIONida.

PAYMENTS WE WILL MAKEEXCLUSIONS

The Company will pay, in accordance with the Flor-This insurance does not apply:ida Motor Vehicle No-Fault Law, as amended, to or for

the benefit of the injured person:insured occupying motor(a) to any injured while any

medical expenses vehicle insured(a) 80% of ; and owned by that and which is not anwork loss insured motor vehicle(b) 60% of ; under this insurance;

replacement services expenses(c) ; andinsured motor ve-(b) to any person while operating thebodily in-(d) death benefits incurred as a result of

hicle your without express or implied consent;jury, caused by an accident arising out of themotor vehi-ownership, maintenance or use of a

(c) to any person, if such person's conduct contributedcle and sustained by: bodily injuryto his under any of the following cir-cumstances:you relative occupying mo-(1) or any while a

tor vehicle pedestrianor, while a through bodily injury(i) causing to himself intentionally;motor vehiclebeing struck by a ; or(ii) while committing a felony;occupying in-(2) any other person while the

sured motor vehicle pedestrianor, while a , you relative work loss(d) to or any for if an entry in theinsured motorthrough being struck by the schedule or declarations indicates such coverage

vehicle. does not apply;

In addition, we will pay, under Automobile Medical pedestrian you relative(e) to any , other than or any ,Payments coverage (applies only if a premium amount is not a legal resident of the State of Florida;shown in the Policy Declarations for "Medical Payments"coverage), subject to the coverage limit: you(f) to any person, other than , if such person is the

owner motor vehicleof a with respect to which se-(a) the portion of any claim for Personal Injury Pro- curity is required under the Florida Motor Vehicle

tection medical expense benefits otherwise cov- No-Fault law, as amended;ered but not payable due to the coinsurance pro-vision of the Personal Injury Protection coverage. you relative(g) to any person, other than or any , who is

medical expensesThis is the 20% of not cov- entitled to personal injury protection benefits fromered in (a) of the first paragraph of this section; owner owners motor vehiclethe or of a which is not

medical expenses(b) any incurred that exceed the insured motor vehiclean under this insurance orPersonal Injury Protection medical expense cov- owner'sfrom the insurer; orerage limit; andmedical expenses insured bodily injury oc-(c) incurred by an or (h) to any person who sustains whilerelative cupying motor vehiclethat result from injuries received while a located for use as a resi-occupying motor vehicle pedestriana or as a in dence or premises.

A-30FL (2-98) Page 6 of 17

(b) with respect to which security is required to beLIMIT OF LIABILITY; APPLICATION OF DEDUCTIBLE;maintained under the Florida Motor Vehicle No-OTHER INSURANCEFault Law, and

Regardless of the number of persons insured, policies (c) for which a premium is charged, or which is aor bonds applicable, vehicles involved or claims made, trailer, other than a mobile home, designed forthe total aggregate limit of personal injury protection motor vehicleuse with a ;benefits available under the Florida Motor Vehicle No-

"Medical expenses"Fault Law, as amended, from all sources combined, in- means reasonable expenses forcluding this policy, for all loss and expense incurred by necessary medical, surgical, x-ray, dental, ambulance,

bodily in- hospital, professional nursing and rehabilitative servicesor on behalf of any one person who sustainsjury for prosthetic devices and for necessary remedial treat-as the result of any one accident shall be $10,000;

ment and services recognized and permitted under theprovided that payment for death benefits included in thelaws of the state for an injured person who relies uponforegoing shall in no event exceed $5,000.spiritual means through prayer alone for healing in ac-

Any amount payable under this insurance shall be cordance with his religious beliefs;reduced by the amount of benefits an injured person has

"Motor vehicle" means any self-propelled vehicle ofrecovered for the same elements of loss under the work-4 or more wheels which is of a type both designed andmen's compensation laws of any state or the federal gov-required to be licensed for use on the highways of Floridaernment.and any trailer or semi-trailer designed for use with such

If benefits have been received under the Florida Mo- vehicle.tor Vehicle No-Fault Law, as amended, from any insurer

motor vehiclefor the same items of loss and expense for which benefits A does not include:are available under this policy, we shall not be liable to

motor vehicle(a) any which is used in mass transitmake duplicate payments to or for the benefit of the in-other than public school transportation and de-jured person, but the insurer paying such benefits shallsigned to transport more than 5 passengers ex-be entitled to recover from us its equitable pro rata share

motor vehicleclusive of the operator of the andof the benefits paid and expenses incurred in processingwhich is owned by a municipality, a transitthe claim.authority, or a political subdivision of the state;

The amount of any deductible stated in the declara- ortions shall be deducted from the total amount of all sums (b) a mobile home.otherwise payable by us with respect to all loss and ex-

"Occupying" means in or upon or entering into orpenses incurred by or on behalf of each person to whomalighting from;bodily injurythe deductible applies and who sustains as

the result of any one accident, and if the total amount of"Owner" means a person or organization who holdssuch loss and expense exceeds such deductible, the total

motor vehiclethe legal title to a , and also includes:limit of benefits we are obligated to pay shall then be thedifference between such deductible amount and the ap- (a) a debtor having the right to possession, in theplicable limit of our liability. Such deductible will not motor vehicleevent a is the subject of a securityapply to the death benefit.

agreement, and(b) a lessee having the right to possession, in theIf an entry in the declarations so indicates, any

motor vehicleevent of a is the subject of a leaseyou rela-amount payable under this insurance to or anywith option to purchase and such lease agree-tives shall be reduced by any benefits payable by thement is for a period of six months or more, andFederal Government to active or retired military person-

(c) a lessee having the right to possession, in thenel and their dependent relatives. If such benefits are notmotor vehicleevent a is the subject of a leaseavailable at the time of loss, we shall have the right to

without option to purchase, and such leaserecompute and charge the appropriate premium.agreement is for a period of six months or more,

DEFINITIONS and the lease agreement provides that the lesseeshall be responsible for securing insurance;

"insured" "you"The definitions of the terms andunder Section I apply to Section II also. "Pedestrian" means a person while not an occupant

of any self-propelled vehicle;"bodily in-When used in reference to this Section:

jury" means bodily injury, sickness, or disease, includ- "Relative" youmeans a person related to by blood,ing death at any time resulting therefrom. marriage or adoption (including a ward or foster child)

youwho is a resident of the same household as ;"Insured motor vehicle" motor vehicle means a :

"Replacement services expenses" means with re-you owner(a) of which are the , and spect to the period of disability of the injured person all

expenses reasonably incurred in obtaining from othersA-30FL (2-98) Page 7 of 17

ordinary and necessary services in lieu of those that, but tion, we will not be liable for subsequent personal injuryfor such injury, the injured person would have performed protection benefits. Whenever a person making a claim iswithout income for the benefit of his household; charged with committing a felony, we shall withhold

benefits until, at the trial level, the prosecution makes a"Work loss" means with respect to the period of dis- formal entry on the record that it will not prosecute the

ability of the injured person, any loss of income and earn- case against the person, the charge is dismissed or theing capacity from inability to work proximately caused person is acquitted.by the injury sustained by the injured person.

insuredThe and other persons making claim mustPOLICY PERIOD; TERRITORY submit to examination under oath by any person named

by us when and as often as we may reasonably require.The insurance under this Section applies only to ac-

cidents which occur during the policy period: 4. Reimbursement and Subrogation. In the event ofpayment to or for the benefits of any injured person un-(a) in the State of Florida;der this insurance;you relative occupying(b) as respects or a , while

insured motor vehiclethe outside the State of (a) the Company is subrogated to the rights of theFlorida but within the United States of America, person to whom or for whose benefit such pay-its territories or possessions or Canada; and ments were made to the extent of such payments.

pedestrians(c) as respects injured when struck by Such person shall execute and deliver the in-insured motor vehiclethe in the State of Florida, struments and papers and do whatever else is

ownerif they are not the of a vehicle for which necessary to secure such rights. Such personcoverage is required to be maintained under the shall do nothing after loss to prejudice suchFlorida No-Fault Law. rights.

(d) Additionally, applicable to the Medical Pay- (b) the Company providing personal injury protec-ments coverage only, if included on the policy, tion benefits on a private passenger motor vehi-

you relativewe will cover or any for injuries in- cle, as defined in the Florida Motor Vehicle No-occupying motor vehiclecurred while a within Fault Law, shall be entitled to reimbursement to

the United States of America, its territories or the extent of the payment of personal injury pro-possessions or Canada. tection benefits from the owner or insurer of the

owner of a commercial motor vehicle, as definedCONDITIONS in the Florida Motor Vehicle No-Fault Law, if

such injured person sustained the injury while1. Notice. In the event of an accident, written notice of occupying pedestrian, or while a through beingthe loss must be given to us or any of our authorizedstruck by, such commercial motor vehicle.agents as soon as practicable. If any injured person or his

legal representatives shall institute legal action to recover 5. Special Provision for Rented or Leased Vehicles.bodily injurydamages for against a third party, a copy of Notwithstanding any provision of this coverage to the

the summons and complaint or other process served in occupyingcontrary, if a person is injured while , orconnection with such legal action shall be forwarded as motor vehiclethrough being struck by, a rented or leasedsoon as practicable to us by such injured person or his under a rental or lease agreement which does not specifylegal representative. otherwise in bold type on the face of such agreement, the

personal injury protection coverage afforded under the2. Action Against the Company. No action shall lie lessor's policy shall be primary.against us unless, as a condition precedent thereto, thereshall have been full compliance with all terms of this 6. Arbitration. The Company, under this coverage, isinsurance, nor until 30 days after the required notice of entitled to binding arbitration of any claims disputeaccident and reasonable proof of claim has been filed involving medical benefits arising between us andwith us. any person providing medical services or supplies if

that person has agreed to accept assignment of per-3. Proof of Claim; Medical Reports and Examinations; sonal injury protection benefits. The provisions ofPayment of Claim Withheld. As soon as practicable the Chapter 682 relating to arbitration shall apply. Theperson making the claim shall give to us written proof of prevailing party shall be entitled to attorney's feesclaim, under oath if required, which may include full and costs.particulars of the nature and extent of the injuries and

PART II - MODIFICATION OF POLICY COVERAGEStreatment received and contemplated, and such otherinformation as may assist us in determining the amount

Any Automobile Medical Payments insurance, anydue and payable. Such person shall submit to mental orUninsured Motorists coverage or any excess Underin-physical examinations at our expense when and as oftensured Motorists coverage afforded by the policy shall beas we may reasonably require and a copy of the medicalexcess over any Personal Injury Protection benefits paidreport shall be forwarded to such person if requested. Ifor payable or which would be available but for the appli-the person unreasonably refuses to submit to an examina-cation of a deductible.

A-30FL (2-98) Page 8 of 17

amended, providing for the exemption of persons fromRegardless of whether the full amount of Personal tort liability, the premium stated in the declarations for

Injury Protection benefits have been exhausted, any any Liability, Medical Payments and Uninsured Motor-Medical Payments insurance afforded by this policy shall ists insurance shall be deemed provisional and subject topay the portion of any claim for Personal Injury Protec- recomputation. If this policy is a renewal policy, such

medical expenses recomputation shall also include a determination of thetion which are otherwise covered butmedical ex- amount of any return premium previously credited ornot payable due to the limitation of 80% of

refunded to the named insured pursuant to Section 12 (2)penses contained in Section I but shall not be payable for(e) of the Florida Motor Vehicle No-Fault Law, asthe amount of the deductible selected.amended, with respect to insurance afforded under a

PART III - PROVISIONAL PREMIUM previous policy.It is agreed that in the event of any change in the If the final premium thus recomputed exceeds the

rules, rates, rating plan, premiums or minimum premi- insuredpremium stated in the declarations, the shall payums applicable to the insurance afforded, because of an to the Company the excess as well as the amount of anyadverse judicial finding as to the constitutionality of any return premium previously credited or refunded.provisions of the Florida Motor Vehicle No-Fault Law, as

SECTION III - PHYSICAL DAMAGE COVERAGESYour Protection For Loss Or Damage To Your Car

"Depreciation"DEFINITIONS 5. means a decrease or loss in value tothe auto or property because of use, disuse, physical wear

"auto business " "farmThe definitions of the terms , and tear, age, outdatedness, or other causes.auto "non-owned auto " "private passenger auto "," , ,

"Insured"6. means:"relative " "temporary substitute auto " "utility auto ", , ,"you " "war", and under Section I apply to Section III owned auto(a) regarding the :also. Under this Section, the following special definitionsapply: you your relatives;(i) and

(ii) a person or organization maintaining, using"Actual cash value"1. is the replacement cost of the youror having custody of the auto with

depreciation bettermentauto or property less or . permission, if his use is within the scope ofthat permission."Betterment"2. is improvement of the auto or property

to a value greater than its pre-loss condition. non-owned auto(b) regarding a :

"Collision" loss3. means caused by upset of the cov- you your relativesand , when driving the auto, ifered auto or its collision with another object, including the actual operation or use is with the permissionan attached vehicle. or reasonably believed to be with the permission

of the owner and within the scope of that per-"Comprehensive" loss4. means caused other than by mission.

collision and includes the following causes:"Loss"7. means direct and accidental loss of or damage(a) missiles; to:(b) falling objects;

(c) fire; (a) an insured auto, including its equipment; or(d) lightning; (b) other property insured under this section.(e) theft;

"Owned auto"8. means:(f) larceny;(g) explosion;

(a) any vehicle described in this policy for which a(h) earthquake;specific premium charge indicates there is cover-(i) windstorm;age;(j) hail; private passenger farm utility auto(b) a , or or a(k) water;trailer you, ownership of which is acquired by(l) flood;during the policy period; if(m) malicious mischief;

(n) vandalism; owned auto(i) it replaces an as described in (a)(o) riot; above, or(p) civil commotion; or private passenger farm util-(ii) we insure all , ,(q) colliding with a bird or animal. ity autos trailers youand owned by on the

youdate of such acquisition and request us

A-30FL (2-98) Page 9 of 17

to add it to the policy within 30 days after-ADDITIONAL PAYMENTS WE WILL MAKE UNDERward;THE PHYSICAL DAMAGE COVERAGES

temporary substitute auto(c) a .insured1. We will reimburse the for transportation ex-

penses incurred during the period beginning 48 hours"Trailer"9. means a trailer designed for use with aafter a theft of the entire auto covered by Comprehensiveprivate passenger auto and not used as a home, office,coverage under this policy has been reported to us andstore, display or passenger trailer.the police. Reimbursement ends when the auto is re-

LOSSES WE PAY lossturned to use or we pay for the .

Comprehensive Collision (Excluding ) Reimbursement will not exceed $20.00 per day norloss$600.00 per .loss,1. We will pay for each less the applicable de-

collision ownedductible, caused other than by to the or loss2. We will pay for to any of the following equip-non-owned auto. This includes glass breakage. lossment (including to accessories and antennas):

lossNo deductible will apply to : (a) car phone;(b) citizen's band radio;(a) to windshield glass;(c) two-way mobile radio;(b) caused by fire, lightning, smoke, or smudge; or(d) scanning monitor receiver; or(c) as a result of damage sustained while the vehicle(e) device designed for the recording and/or repro-is being transported on any conveyance.

duction of sound.insuredAt the option of the , breakage of glass caused

lossWe will pay only if the equipment at the time of :collisionby may be paid under the Collision coverage, ifincluded in the policy. owned(a) is permanently installed in or upon an

auto; and2. We will pay, up to $200 per occurrence, less the ap-(b) that auto is insured under the appropriate cover-lossplicable deductible, for to personal effects due to:

age.(a) fire;

3. We will pay general average and salvage charges for(b) lightning;insuredwhich the becomes legally liable when the auto(c) flood;

is being transported.(d) falling objects;(e) earthquake;

EXCLUSIONS(f) explosion; or(g) theft of the entire automobile. When The Physical Damage Coverages Do Not ApplylossNo deductible will apply to from fire or light-

ning. 1. An auto used to carry passengers or goods for hire isnot covered. However, a vehicle used in an ordinary caryou relativeThe property must be owned by or a , pool on a ride sharing or cost sharing basis is covered.

owned autoand must be in or upon an .Loss war2. due to is not covered.

Losses3. arising out of a single occurrence shall besubject to no more than one deductible. loss non-owned auto3. We do not cover to a when

insured auto businessused by the in the .Collision

loss4. There is no coverage for caused by and limitedcollision loss owned non-1. We will pay for to the or to wear and tear, freezing, mechanical or electrical break-owned auto lossfor the amount of each less the applica- down or failure, unless that damage results from a cov-ble deductible. ered theft.

2. We will pay up to $200 per occurrence, less the ap- 5. We do not cover road damage to tires.lossplicable deductible, for to personal effects due to a

collision you rela-. The property must be owned by or a Loss6. due to radioactivity is not covered.tive owned auto, and must be in or upon an .

Loss7. to any tape, wire, record disc or other mediumLosses3. arising out of a single occurrence shall be for use with a device designed for the recording and/or

subject to no more than one deductible. reproduction of sound is not covered.

loss8. We do not cover to any radar detector.

trailer9. We do not cover any vehicle or when used forfarm autobusiness or commercial purposes other than a .

A-30FL (2-98) Page 10 of 17

2. TWO OR MORE AUTOSloss10. We do not cover for custom options on an

owned auto trailers, including equipment, furnishings or finish- If this policy covers two or more autos or , theings including paint, if the existence of those options has limit of coverage and any deductibles apply separately tonot been previously reported to us. each.

3. ASSISTANCE AND COOPERATION OFLIMIT OF LIABILITY INSUREDTHE

lossThe limit of our liability for :insuredThe will cooperate and assist us, if re-

quested:actual cash value1. is the of the property at the time of lossthe ; loss(a) in the investigation of the ;

(b) in making settlements;2. will not exceed the cost to repair or replace the prop-(c) in the conduct of suits;erty, or any of its parts, with other of like kind and qual-(d) in enforcing any right of subrogation against anyity and will not include compensation for any diminution

legally responsible person or organization;in the property's value that is claimed to result from the(e) at trials and hearings;loss.(f) in securing and giving evidence; and(g) by obtaining the attendance of witnesses.3. to personal effects arising out of one occurrence is

$200;4. ACTION AGAINST US

trailer you4. to a not owned by is $500;Suit will not lie against us unless the policy terms

have been complied with and until 30 days after proof ofactual cash5. for custom options is limited to theloss loss is filed and the amount of is determined.value of equipment, furnishings or finishings (including

paint) installed in or upon the vehicle only by the autoINSURED'S LOSS5. DUTIES IN EVENT OFfactory or an authorized auto dealer and included in the

purchase price of the vehicle. loss insuredIn the event of the will:Actual cash value of property will be determined at loss(a) Protect the auto, whether or not the is cov-

lossthe time of the and will include an adjustment for loss in-ered by this policy. Further due to thedepreciation/betterment and for the physical condition sured's failure to protect the auto will not beof the property. covered. Reasonable expenses incurred for this

protection will be paid by us.OTHER INSURANCEloss(b) File with us, within 91 days after , his sworn

proof of loss including all information we mayinsured lossIf the has other insurance against a cov-reasonably require.ered by Section III, we will not owe more than our pro

insured(c) At our request, the will exhibit the dam-rata share of the total coverage available. Any insuranceaged property and submit to examination underyouwe provide for a vehicle do not own shall be excessoath.over any other valid and collectible insurance.

6. APPRAISALCONDITIONS

insuredIf we and the do not agree on the amount ofThe following conditions apply only to the Physicalloss, either may, within 60 days after proof of loss isDamage coverages:

lossfiled, demand an appraisal of the . In that event, we1. NOTICE insuredand the will each select a competent appraiser.

The appraisers will select a competent and disinterestedlossAs soon as possible after a , written notice must umpire. The appraisers will state separately the actual

be given us or our authorized agent stating: cash value lossand the amount of the . If they fail toagree, they will submit the dispute to the umpire. Aninsured(a) the identity of the ;award in writing of any two will determine the amount oftrailer(b) a description of the auto or ;loss insured. We and the will each pay his chosen ap-loss(c) the time, place and details of the ; andpraiser and will bear equally the other expenses of the(d) the names and addresses of any witnesses.appraisal and umpire.

insuredIn case of theft, the must promptly notify theWe will not waive our rights by any of our acts relat-police.

ing to appraisal.

A-30FL (2-98) Page 11 of 17

LOSS7. PAYMENT OF 8. NO BENEFIT TO BAILEEWe may at our option: This insurance does not apply directly or indirectly

to the benefit of a carrier or other bailee for hire liable forloss(a) pay for the ; or lossthe of the auto.(b) repair or replace the damaged or stolen property.

9. SUBROGATIONlossAt any time before the is paid or the property re-youplaced, we may return any stolen property to or to When payment is made under this policy, we will be

the address shown in the declarations at our expense insured'ssubrogated to all the rights of recovery againstwith payment for covered damage. We may take all or insuredothers. The will help us to enforce these rights.part of the property at the agreed or appraised value, but insured lossThe will do nothing after to prejudice thesethere will be no abandonment to us. We may settle rights. loss insuredclaims for either with the or the owner of theproperty. This means we will have the right to sue for or oth-

losserwise recover the from anyone else who may beheld responsible.

SECTION IV - UNINSURED MOTORISTS COVERAGEYou A Your Protection For nd Passengers For Injuries Caused By Uninsured And Hit-And-Run Motorists

you yourDEFINITIONS (c) operated by or spouse if a resident ofthe same household.

The definitions of terms for Section I apply to Section"insured auto"IV, except for the following special definitions: But the term does not include:

(i) an auto used to carry passengers or goods for"Hit-and-run auto" bodily injury1. is an auto causinghire, except in a car-pool;insuredto an and whose operator or owner cannot be

(ii) an auto being used without the owner's permis-insuredidentified, provided the or someone on his be-sion; orhalf:

(iii) under subparagraphs (b) and (c) above, an auto(a) reports the accident as soon as possible to a po- owned by or furnished for the regular use of an

lice, peace or judicial officer or to the Commis- insured.sioner of Motor Vehicles;

"Occupying"(b) files with us as soon as possible a statement set- 4. means in, upon, entering into or alight-ting forth the facts of the accident and claiming ing from.that he has a cause of action for damages against

"State"5. includes the District of Columbia, the territo-an unidentified person.ries and possessions of the United States, and the Prov-

"Insured"2. means: inces of Canada.

"Uninsured auto"6. is an auto:(a) the individual named in the declarations and hisor her spouse if a resident of the same house-

(a) which has no liability bond or insurance policyhold;applicable with liability limits complying withrelatives(b) of (a) above if residents of his house- statethe Financial Responsibility Law of the inhold; insured autowhich the is principally garaged atoccupying insured(c) any other person while anthe time of the accident; orauto; (b) for which the total of all bodily injury liability(d) any person who is entitled to recover damages insurance available in the event of an accident isbodily injury in-because of sustained by an less than the damages sustained in an accidentsured under (a), (b), and (c) above. insuredby an ; or

hit-and-run auto(c) a .insuredIf there is more than one , our limits of liabil-ity will not be increased. This term also includes an auto whose insurer is or

becomes insolvent or denies coverage."Insured auto"3. is an auto:"uninsured auto"The term does not include:(a) described in the declarations and covered by the

Bodily Injury Liability coverage of this policy; insured auto(a) an ;insured auto(b) temporarily substituted for an (b) an auto owned or operated by a self insurer

when withdrawn from normal use because of its within the meaning of any motor vehicle finan-breakdown, repair, servicing, loss or destruction;

A-30FL (2-98) Page 12 of 17

cial responsibility law, motor carrier law or anyLIMITS OF LIABILITYsimilar law;

(c) an auto owned by the United States of America,1. The limit of liability for Uninsured Motorists cover-stateany other national government, a , or a po-age stated in the declarations as applicable to "each per-litical subdivision of any such government or itsson" is the limit of our liability for all damages, includingagencies;

bodily injurythose for care or loss of services, due totrailer(d) a land motor vehicle or operated on railssustained by one person as the result of one accident.or crawler treads or located for use as a residenceThe most we will pay for all such damages, sustained byor premises; andone person as the result of one accident, is the sum of the(e) a farm-type tractor or equipment designed for use"each person" limits for Uninsured Motorists coverageprincipally off public roads, except while usedshown in the declarations.upon public roads.

2. The limit of liability stated in the declarations as ap-LOSSES WE PAYplicable to "each accident" is, subject to the above provi-

Under the Uninsured Motorists coverage we will pay sion respecting each person, the total limit of our liabilitybodily injurydamages for caused by accident which the for all such damages, including damages for care and loss

insured is legally entitled to recover from the owner or bodily injuryof services, because of sustained by two oruninsured autooperator of an arising out of the owner- more persons as the result of one accident. The most we

ship, maintenance or use of that auto. will pay for all such damages, sustained by two or morepersons as the result of one accident, is the sum of the

However, we will not pay until the total of all bodily "each accident" limits for Uninsured Motorists coverageinjury liability insurance available has been exhausted by shown in the declarations.payment of judgments or settlements.

3. The limit of liability for Uninsured Motorist coverageEXCLUSIONS shall be over and above, but shall not duplicate the bene-

insured fits available to an under any:When Section IV Does Not Apply(a) workers' compensation law;bodily injury1. This coverage does not apply to to an (b) personal injury protection benefits;insured insuredif the or his legal representative has (c) disability benefits law or similar law; or

made a settlement or has been awarded a judgment of his (d) automobile medical expense coverage.claim without our prior written consent.

4. The limit of liability for Uninsured Motorist coverageBodily injury insured occupying2. to an while or shall be over and above, but shall not duplicate anywhen struck by any motor vehicle or motorcycle owned amount paid or payable:

insured relativeby an or a , which is not insured underthe Liability Coverages section of this policy, is not cov- (a) under any motor vehicle liability insurance cov-ered. erages; or

(b) by or on behalf of the owner or operator of the3. The Uninsured Motorists coverage will not benefituninsured motor vehicle or any other person orany workmen's compensation insurer, self insurer, ororganization jointly or severally liable togetherdisability benefits insurer.with such owner or operator for the accident.

4. We do not cover the United States of America or anyOTHER INSURANCEinsuredof its agencies as an , a third party beneficiary or

otherwise.insured occupiesWhen an an auto not described in

insured relativethis policy, and not owned by that or a ,5. This coverage does not apply to any damages for painthis insurance is excess over any other similar insuranceinsuredand suffering that the may be legally entitled to

insuredavailable to the and the insurance which appliesrecover against an uninsured motorist unless the injury occupiedor disease caused by the uninsured motorist accident to the auto is primary.

resulted in:insuredIf the has other insurance against a loss cov-

(a) significant and permanent loss of an important ered by the Uninsured Motorist provisions of this policy,bodily function; or we will not be liable for more than our pro-rata share of

(b) permanent injury within a reasonable degree of the total coverage available.medical probability, other than scarring or dis-figurement; or INSUREDDISPUTES BETWEEN US AND AN

(c) significant and permanent scarring or disfigure-insured1. Disputes between an and us as to liabilityment; or

and damages may be submitted to arbitration. Arbitration(d) death.insuredmust be agreed to in writing between the and us.

6. Regardless of any other provision of this policy, thereis no coverage for punitive or exemplary damages.

A-30FL (2-98) Page 13 of 17

If arbitration is agreed upon, each party shall select CONDITIONSan impartial arbitrator. These arbitrators shall select a

The following conditions apply only to the Unin-third one.sured Motorist coverage:

The cost of the arbitration and any expenses for ex-1. NOTICEperts shall be paid by the party who hired them. The cost

of the third arbitrator shall be paid equally by the parties.As soon as possible after an accident, notice must be

given us or our authorized agent stating:insured2. If the and we cannot agree to arbitrate orinsuredagree to a third arbitrator, the shall: insured(a) the identity of the ;

(b) the time, place and details of the accident; anduninsured auto(a) sue the owner or driver of the(c) the names and addresses of the injured, and ofand us in a court of competent jurisdiction. If the

any witnesses.owner or driver is unknown, name us as the de-fendant. insuredIf the or his legal representative files suit be-

(b) when suit is filed, immediately give us copies of fore we make a settlement under this coverage, he mustthe suit papers. immediately provide us with a copy of the pleadings.

insured3. If the agrees to settle with another insurer 2. ASSISTANCE AND COOPERATION OF THEinsuredfor their limits of liability coverage, the must INSUREDin-submit this agreement to us in such settlement if the

sured intends to pursue an uninsured motorist claim After we receive notice of a claim, we may requireagainst us. insuredthe to take any action necessary to preserve his

recovery rights against any allegedly legally responsible4. If within 30 days after receipt of the settlement insuredperson or organization. We may require the toagreement, we do not: make that person or organization a defendant in any ac-

tion against us.(a) approve the settlement and the signing of the fullrelease;

3. ACTION AGAINST US(b) waive our subrogation rights; and(c) agree to arbitrate the claim, insuredSuit will not lie against us unless the or his

legal representative have fully complied with all the pol-insuredthe may then file suit against us and the per-icy terms.son(s) legally liable.

4. PROOF OF CLAIM - MEDICAL REPORTS5. Any award against us shall be binding and conclu-insuredsive against us and the up to our coverage limit.

insuredAs soon as possible, the or other personTRUST AGREEMENT making claim must give us written proof of claim, under

oath if required. This will include details of the natureWhenever we make a payment under this coverage: and extent of injuries, treatment, and other facts which

may affect the amount payable.1. We will be entitled to repayment of that amount outinsuredof any settlement or judgment the recovers from insuredThe and other persons making claim must

any person or organization legally responsible for the submit to examination under oath by any person namedbodily injury. by us when and as often as we may reasonably require.

Proof of claim must be made on forms furnished by usinsured2. The will hold in trust for our benefit all unless we have not furnished these forms within 15 daysrights of recovery which he may have against any person after receiving notice of claim.or organization responsible for these damages. He will dowhatever is necessary to secure all rights of recovery and The injured person will submit to examination bywill do nothing after the loss to prejudice these rights. doctors chosen by us, at our expense, as we may rea-

insured'ssonably require. In the event of the incapacityinsured3. At our written request, the , in his own name, or death, his legal representative must, at our request,will take through a designated representative appropriate authorize us to obtain medical reports and copies of rec-actions necessary to recover payment for damages from ords.in-the legally responsible person or organization. The

5. PAYMENT OF LOSSsured will pay us out of the recovery for our expenses,costs and attorney's fees.

Any amount due is payable:insured4. The will execute and furnish us with any insured(a) to the or his authorized representative;needed documents to secure his and our rights and obli- insured(b) if the is a minor, to his parent or guard-gations.

ian; or

A-30FL (2-98) Page 14 of 17

insured We may, at our option, pay an amount due in accor-(c) if the is deceased, to his survivingdance with (d) above.spouse; otherwise

(d) to a person authorized by law to receive thepayment; or to a person legally entitled to re-cover payment for the damages.

SECTION V - GENERAL CONDITIONSThese Conditions Apply To All Coverages In This Policy.

1. TERRITORY - POLICY PERIODyour(a) surviving spouse;

your(b) the executor or administrator of estate, butThis policy applies only to accidents, occurrences oronly while acting within the scope of his duties;losses during the policy period within the United States

(c) any person having proper temporary custody ofof America, its territories and possessions, or Canada andowned auto insuredthe , as an , until the ap-owned autowhile an is being transported between ports

pointment and qualification of the executor orthereof.your administrator of estate; and

Unless otherwise cancelled, this policy will expire as (d) under the medical payments coverage, a personshown in the declarations. But, it may be continued by relative yourwho was a at the time of death.

yourour offer to renew and acceptance prior to the expi-INSURED5. CANCELLATION BY THE ration date. Each period will begin and expire at 12:01

yourA.M. local time at address stated in the declara-You may cancel this policy by providing notice to ustions.

stating when, after the notice, cancellation will be effec-tive.2. PREMIUM

youHowever, may not cancel during the first twoyouWhen dispose of, acquire ownership of, or re-yourmonths immediately following policy's effectiveprivate passenger farm utility autoplace a , or , any

date except:necessary premium adjustment will be made as of thedate of the change and in accordance with our manuals. owned autos(a) upon total destruction of all of the ;

owned(b) upon transfer of ownership of all of the3. CHANGESautos;

you(c) if obtained a replacement policy covering anThe terms and provisions of this policy cannot beowned auto elsewhere; orwaived or changed, except by an endorsement issued to

youform a part of this policy. (d) when we notify that the premium chargedmust be increased to comply with our rate filings

We may revise this policy during its term to provide or the applicable laws of Florida. In such event,more coverage without an increase in premium. If we do you have ten days in which to request cancella-

yourso, policy will automatically include the broader tion of the policy and a return of the unearned your .coverage when effective in state premium.

The premium for each auto is based on the informa- youIf this policy is cancelled, may be entitled to ayour Yoution we have in file. agree: premium refund. The premium refund, if any, will be

computed on a pro-rated basis according to our manuals.your(a) that we may adjust policy premiums duringthe policy term if any of this information on 6. CANCELLATION BY USwhich the premiums are based is incorrect, in-

youWe may cancel this policy by mailing to , at thecomplete or changed.address shown in this policy, written notice stating whenyou(b) that will cooperate with us in determining ifthe cancellation will be effective. This notice will bethis information is correct and complete.mailed by United States Post Office certificate of mailing.you(c) that will notify us of any changes in this in-

formation. We will mail this notice:yourAny calculation or recalculation of premium or (a) 10 days in advance if the proposed cancellation

yourchanges in coverage will be based on the rules, rates is for nonpayment of premium or any of its in-yourand forms on file, if required, for our use in state. stallments when due;

(b) 45 days in advance in all other cases.4. ASSIGNMENTThe mailing or delivery of the above notice will be

Assignment of interest under this policy will not sufficient proof of notice. The policy will cease to be inbind us without our consent. effect as of the date and hour stated in the notice.

youIf die, this policy will cover:A-30FL (2-98) Page 15 of 17

you party may demand mediation of the claim, provided thatIf this policy is cancelled, may be entitled to asuit has not yet been filed. Only one mediation may bepremium refund. The premium refund, if any, will bedemanded for each claim, unless both parties agree tocomputed on a pro-rated basis according to our manuals.more than one mediation. Mediation is not binding on

Payment or tender of unearned premium is not a either party.condition of cancellation.

A request for mediation shall be filed with the De-7. CANCELLATION BY US IS LIMITEDpartment of Insurance on a form approved by the De-partment. The request for mediation shall state the reasonAfter this policy has been in effect for 60 days or, iffor the request and the issues in dispute which are to bethe policy is a renewal, effective immediately, we willmediated. The Department of Insurance will appoint thenot cancel unless:mediator to conduct the mediation. Each party may once

You(a) do not pay the premiums for this policy or reject the mediator selected by the Department, eitherany installment when due to us or our agent; or originally or after the opposing side has exercised its op-

insured(b) Any has had his driver's license or mo- tion to reject a mediator. Each party participating in thetor vehicle registration under suspension or mediation must have the authority to make a binding de-revocation; either: cision. All parties must mediate in good faith.

(i) during the current policy period; or The cost of the mediation, as set by the Department(ii) during the preceding 180 days if this is a of Insurance, is shared equally by the parties. Costs in-

new policy; or curred by a party in preparing for or attending the media-tion are paid by the party incurring that cost.(c) There has been fraud or material misrepresenta-

yourtion under the policy in application or in10. OTHER INSURANCEmaking a claim.

yourIf other insurance is obtained on insured auto,We will not cancel a new policy during the first 60any similar insurance afforded under this policy for thatdays immediately following the the effective date of theauto will terminate on the effective date of the other in-policy for nonpayment of premium unless the reason forsurance.the cancellation is the issuance of a check for the pre-

mium that is dishonored for any reason. 11. ACTION AGAINST US

Nothing in this section will require us to renew this insuredPersons other than the covered by this pol-policy. icy, may not name us as a defendant prior to first obtain-

insureding a judgment against an .8. RENEWAL12. DIVIDEND PROVISION

We agree that we will not refuse to renew or continuethis policy unless a written notice of our refusal to renew You are entitled to share in a distribution of the sur-

youor continue is mailed to , at the address shown in this plus of the Company as determined by its Board of Direc-policy, at least 45 days prior to the expiration date. This tors from time to time.notice will be mailed by United States Post Office certifi-

13. DECLARATIONScate of mailing. The mailing or delivery of this notice willbe sufficient proof of notice.

youBy accepting this policy, agree that:If:

your(a) the statements in application and in theyou(1) do not pay the premium as required to re-yourdeclarations are agreements and representa-new this policy; or

tions;you you(2) have informed us or our agent that wish(b) this policy is issued in reliance upon the truth ofthe policy cancelled or not renewed; or

these representations; andyou(3) do not accept our offer to renew; or(c) this policy, along with the application and decla-you(4) refuse to provide us with renewal classifica-

ration sheet, embodies all agreements relating totion and rating information as we may require;this insurance. The terms of this policy cannot be

youit will be construed to mean that have refused our changed orally.renewal offer and the policy will expire without notice.

14. FRAUD AND MISREPRESENTATIONIf this policy has been in effect for 5 years or more we

Coverage is not provided to any person who know-insuredwill not refuse to renew solely because an wasingly conceals or misrepresents any material fact or cir-involved in a single traffic accident.cumstance relating to this insurance:

9. MEDIATION OF CLAIMS1. at the time application is made; or2. at any time during the policy period; orbodily injuryIn the event of a claim for amounting

to $10,000 or less, or any property damage claim, either

A-30FL (2-98) Page 16 of 17

3. in connection with the presentation or settlement by any person named by us when and as often as we mayof a claim. reasonably require.

16. TERMS OF POLICY CONFORMED TO15. EXAMINATION UNDER OATHSTATUTES

insuredThe or any other person seeking coverage Any terms of this policy in conflict with the statutesunder this policy must submit to examination under oath of Florida are amended to conform to those statutes.

SECTION VI - AMENDMENTS AND ENDORSEMENTS

actual cash value1. SPECIAL ENDORSEMENT a. The of the property at theUNITED STATES GOVERNMENT EMPLOYEES time of the occurrence; or

b. The cost to repair or replace the property, orA. Under the Property Damage coverage of Section I, we any of its parts with other of like kind andprovide coverage to United States Government employ- quality; orees, civilian or military, using insuredc. Two months basic pay of the ; or

d. The limit of Property Damage liability cover-1. Motor vehicles owned or leased by the Unitedage stated in the declarations.States Government or any of its agencies, or

2. Rented motor vehicle used for United States 3. For vehicles described in A.2. above, our liabilityGovernment business, shall not exceed the lesser of the following:

when such use is with the permission of the United actual cash valuea. the of the property at theStates Government. Subject to the limits describe in para- time of the occurrence; or

yougraph B. below, we will pay sums are legally obli- b. The cost to repair or replace the property, orgated to pay for damage to these vehicles. any of it parts with other of like kind and

quality; orB. The following limits apply to this coverage: c. The limit of Property Damage liability cover-

age stated in the declarations.1. A $100 deductible applies to each occurrence.2. For vehicles described in A.1. above, our liability

This insurance is excess over other valid and col-shall not exceed the lesser of the following:lectible insurance.

VW IJKL

J. C. Stewart O. M. NicelySecretary President

GOVERNMENT EMPLOYEES INSURANCE COMPANYGEICO CASUALTY COMPANY

GEICO GENERAL INSURANCE COMPANYGEICO INDEMNITY COMPANY

HOME OFFICE - 5260 Western AvenueChevy Chase, Maryland 20815-3799

A-30FL (2-98) Page 17 of 17