Form HD 99 02 09 12
The OTHER INSURANCE Condition is amended
by adding the following:
lf an “employee’s" personal insurance also
applies on an excess basis to a covered “auto”
hired or rented by your “amployee" on your
behalf and at your direction, this insurance will
be primary to the "employee's" personal
insurance.
AMENDED FELLOW EMPLOYEE EXCLUSION
EXCLUSION 5, - FELLOW EMPLOYEE - of
SECTION II - LIABILITY COVERAGE does not
apply if you have workers’ compensation
insurance in-force covering all of your
“employees”.
Coverage is excess over any other collectible
insurance.
HIRED AUTO PHYSICAL DAMAGE COVERAGE
If hired “autos” are covered "autos" for Liability
Coverage and if Comprehensive, Specified
Causes of Loss, or Collision coverages are
provided under this Coverage Form for any
“auto” you own, then the Physical Damage
Coverages provided are extended to "autos" you
hire or borrow, subject to the following limit.
The most we will pay for “loss” to any hired
"auto" is:
(1) $100,000;
(2) The actual cash value of the damaged or
stolen property at the time of the “loss”; or
(3) The cost of repairing or replacing the
damaged or stolen property,
whichever is smallest, minus a deductible. The
deductible will be equal to the largest deductible
applicable to any owned "auto" for that coverage.
No deductible applies to “loss” caused by fire or
lightning. Hired Auto Physical Damage coverage
is excess over any other collectible insurance.
Subject to the above limit, deductible and excess
provisions, we will provide coverage equal to the
broadest coverage applicable to any covered
“auto” you own.
We will also cover !oss of use of the hired “auto”
if it results from an "accident", you are legally
liable and the lessor incurs an actual financial
loss, subject to a maximum of $1,000 per
“accident".
This extension of coverage does not apply to
any “auto” you hire or borrow from any of your
“employees”, partners (if you are a partnership),
members (if you are a limited liability company),
or members of their households.
5. PHYSICAL DAMAGE - ADDITIONAL
TEMPORARY TRANSPORTATION EXPENSE
COVERAGE
Paragraph A.4.a. of SECTION Ill - PHYSICAL
DAMAGE COVERAGE is amended to provide a
limit of $50 per day and a maximum limit of
$1,000.
LOAN/LEASE GAP COVERAGE
Under SECTION Ill - PHYSICAL DAMAGE
COVERAGE, in the event of a total "loss" to a
covered “auto”, we will pay your additional Jegal
obligation for any difference between the actual
cash value of the “auto” at the time of the "loss"
and the “outstanding balance" of the loan/lease.
"Outstanding balance" means the amount you
owe on the loan/lease at the time of "loss" less
any amounts representing taxes; overdue
payments, penaities, interest or charges
resulting from overdue payments; additional
mileage charges; excess wear and tear charges;
lease termination fees: security deposits not
returned by the jessor; costs for extended
warranties, credit life Insurance, health, accident
or disability insurance purchased with the loan or
lease; and carry-over balances from previous
loans or leases.
AIRBAG COVERAGE
Under Paragraph B. EXCLUSIONS - of SECTION
lll - PHYSICAL DAMAGE COVERAGE, the
following is added:
The exclusion relating to mechanical breakdewn
does not apply to the accidental discharge of an
air bag. ae
ELECTRONIC EQUIPMENT - BROADENED
COVERAGE
a, The exceptions to Paragraphs B.4 = -
EXCLUSIONS - of SECTION Il -
PHYSICAL DAMAGE COVERAGE are
replaced by the following:
Exclusions 4.c, and 4.d. do not apply to
equipment designed to be operated
solely by use of the power from the
"auto's" electrical system that, at the
time of "loss”, is:
(1) Permanentiy installed in or.upon
the covered "auto";
(2) Removable from a housing unit
which is permanently installed in
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
© 2010, The Hartford (Includes copyrighted material
of ISO Properties, Inc., with its permission.)
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