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X. LOAN/LEASE GAP COVERAGE SECTION III-PHYSICAL DAMAGE COVERAGE C. Limit of Insurance,the following is added: 4. In the event of a"total loss" to a covered "auto"shown in the schedule or declarationsfor which Collision and Comprehensive Coverage apply,we will payany unpaid amount due on the lease or loan for that covered "auto,"less: a. The amount paid underthe Physical Damage Coverage Section of the policy; and b. Any: (1) Overdue lease/loan payments at the time of the"loss"; (2) Financial penalties imposed under a lease for excessive use, abnormal wear and tearor high mileage. (3) Security deposits not returned by the lessor; (4) Costs for extended warranties,Credit Life Insurance, Health,Accident or Disability Insurance purchased with the loan or lease; and (5) Carry-over balances from previous loans or leases. The most we will pay under Auto Loan/Lease Gap Coverage for an insured auto is 25%of the actual cash value of that insured auto at the time of the loss. XI. GLASS REPAIR—DEDUCTIBLE WAIVER SECTION III-PHYSICAL DAMAGE COVERAGE, D. Deductible,the following is added: No deductible applies to glass damage ifthe glass is repaired ratherthan replaced. XII. TWO OR MORE DEDUCTIBLES SECTION 1I1-PHYSICAL DAMAGE COVERAGE, D. Deductible,the following is added: If two or more "company"policies or coverage forms apply to the same accident: 1. If the applicable Business Auto deductible is the smallest, it will be waived;or 2. If the applicable Business Auto deductible is not the smallest, it will be reduced by the amount of the smallest deductible; or 3. If the loss involves two or more Business Auto coverage forms or policies the smallest deductible will be waived. For the purpose of this endorsement "company"means the company providing this insurance and any of the affiliated members of the Mercury Insurance Group of companies. XI I I. AMENDED DUTIES IN EVENT OF ACCIDENT,CLAIM, SUITOR LOSS The requirement in SECTION IV, BUSINESSAUTO CONDITIONS,A. Loss Conditions, 2. Dutiesln The Event Of Accident,Claim, Suit,Or Loss, a., In the event of "accident",you must notify us of an "accident"applies only when the"accident" is known to: (1) You,if you are an individual; (2) A partner,if you area partnership; (3) A member,if you area limited liability company; or (4) An executive officer or insurance manager,ifyou area corporation. Copyright 2017 Mercury Insurance Services,LLC. All rights reserved. MCA851GO817-CA Includes copyrighted material of Insurance Services office,Inc.,with its Permissior page 4 of 6