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If an "employee's" personal insurance also 5. PHYSICAL DAMAGE ADDITIONAL applies on an excess basis to a coveted "auto" TEMPORARY TRANSPORTATION EXPENSE hired or rented by Your "elup]OYOO" On Your COVERAGE behalf and at your direction, this Insurance will Paragraph Akn, of SECTION III - PHYSICAL be primary to the "employee's' personal DAMAGE COVERAGE is amended to provide a insurance. limit of $50 per day and a maximum limit of 1 AMENDED FELLOW EMPLOYEE EXCLUSION $1,000. EXCLUSION 5. - FELLOW EMPLOYEE - of & LOANILEASE GAP COVERAGE SECTION If - LIABILITY COVERAGE does not Under SECTION III - PHYSICAL DAMAGE apply F you have workers' compensation COVERAGE, in the event o4 a total "loss" to a insurance in -force- coverinc 0 i g all of your covered "auto", we will pay your, additional legal "employees". obligation for any difference between the actual Coverage is excess over any other collectible cash value of the "auto" at the time of the "loss" Insurance. and the "outstanding balance" of the loan/lease, 4. HIRED AUTO PHYSICAL DAMAGE COVERAGE "OUIStandir1r) balance" means the amount you If hired "autos" are covered "autos" for Liability owe on the loariflease at the time of "loss" less Coverage and if Comprehensive, Specified any amounts representing taxes; overdue Causes of Loss, of, Collision coverages are payments; penalties, interest or charges provided under this Coverage Fomi for any resulting frorn overdue payments; additional "auto'" you own, then the Physical Damage mileage charges; excess wear and tear charges; Coverages provided are extended to 'autos" you lease ternitration fees; security deposits not hire or IbOFTOW, subject to the following limit. returned by the tosser; costs for extended warranties, credit life Insurance, healifi, accident The most we will Pay rofr 'Jose" to any hired or disability Insurance purchased with the loan or is: lease; and parry -over balances from previous (1) $10o,000, loans or I eases, (2) The actual cash value of he damaged of, 7. AIRBAG COVERAGE stolen property at the lime oftho "loss"; or Under Paragraph B. EXCLUSIONS - of (3) The cost of repairing of roplacing the SECTION III - PHYSICAL DAMAGE damaged or stolen property, COVERAGE, the following is added: wl)i(;Iicver is smallest, minus a deductible. The The exclusion rotating to mechanical breakdown deductible will be equal to the largest deductible does not apply to the accidental discharge of an applicable to any owned "auto" for, that airbag. Coverage. No deductible applies to "loss" caused 8, ELECTRONIC EQUIPMENT - BROADENED by fire or lightning. Hired Auto Physical Damage COVERAGE coverage is excess over any other collectible insurance. Subject to the above limit, deductible a. The exceptions to Paragraphs BA - and excess provisions, we will provide coverage EXCLUSIONS - of SECTION If - PHYSICAL equal to the broadest coverage -applicable to any DAMAGE COVERAGE are replaced by the: covered "auto" you own. following: We will also cover loss of use or the hired "auto" Exclusions 4.C. and 4.d. do not apply to if it results from an "accident", you are legally equipment designed to be operated sololy liable and the lessor incurs an actual financier by ujo of the power from the "auto's" loss, subject to a maximum of $1000 per, electrical system that, at the time of "loss", "accident". is: This extension of coverage does riot apply to (1) Permanently installed in of, upon any "auto" you hire or borrow from any of your the covered "auto"; "'employees", partners (if you are a partnership), (2) Removable from a housing unit members (if you are a firnited liability company), which is pen-imnently installed in or members of their households, or upon the covered "auto"; (3) An integral part of the same unit housing any electronic equipment described in Paragraphs (1) and (2) above; or @ 2011, The f lartford (Includes copyrighted material Farm VIA 99 10 03 12 of ISO properties, Inc., with its permission) Page 3 of 5