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K. Total Theft of a Covered Auto <br /> Section III —Physical Damage Coverage, Paragraph A.4. is amended to add the following: <br /> d. Total Theft of a Covered Auto <br /> In the event of the total theft of a covered "auto": <br /> (1) Coverage includes personal items in the covered "auto" at the time of loss up to a maximum of$500. No <br /> deductible applies to this coverage. <br /> (2) We will pay reasonable expenses for returning the stolen covered "auto"to you once it is recovered, up <br /> to a maximum of$1,000. No deductible applies to this coverage. <br /> L. Auto Loan/ Lease Gap Protection <br /> Section III —Physical Damage Coverage, Paragraph A.4. is amended to add the following: <br /> e. Auto Loan / Lease Gap Coverage <br /> In the event of a total "loss" of a covered "auto" shown in the Declarations for which Physical Damage <br /> Coverage is provided, we will provide coverage for any unpaid amount due on the lease or loan for such <br /> covered "auto", less the following: <br /> (1) The amount paid under the Physical Damage Coverage Section of the Policy for that covered "auto"; and <br /> (2) Any: <br /> (a) Overdue or any deferred lease or loan payments at the time of the "loss"; <br /> (b) Financial penalties imposed under a lease for excessive use, abnormal wear and tear or high <br /> mileage; <br /> (c) Security deposits not returned by the lessor; <br /> (d) Costs for extended warranties, Credit Life Insurance, Health, Accident or Disability Insurance <br /> purchased with the loan or lease; and <br /> (e) Carry-over balances from previous loans or leases. <br /> M. Customization Coverage <br /> Section III —Physical Damage Coverage, Paragraph A.4. is amended to add the following: <br /> f. Customization Coverage <br /> (1) We will pay with respect to a covered"auto"for"loss"to automobile customization which includes special <br /> carpeting and insulation, height - extended roofs and custom murals, paintings, vinyl wraps or other <br /> details or graphics. <br /> (2) Our limit of liability for"loss"to automobile customizations in any one "loss"shall be the least of: <br /> (a) The actual cash value of the stolen or damaged property; <br /> (b) The amount necessary to repair or replace the property; or <br /> (c) $2,000. <br /> This Coverage Extension does not apply to electronic equipment. <br /> Page 6 of 9 Includes material copyrighted by Insurance Services Office, Inc., with CA 83 63 03 23 <br /> its permission <br />