| Candidate Information | | Title | Personal Injury Policy | | Target Location | US-FL-Largo |
| | 20,000+ Fresh Resumes Monthly | |
|
|
| |
Click here or scroll down to respond to this candidateFLC-100 ed. Feb 2013FIRST ACCEPTANCE INSURANCE COMPANY, INC.FLORIDA PERSONAL AUTO POLICYIMPORTANTPlease read your Florida Personal Auto Policy carefully as it contains language which may restrict or exclude coverage. WARNINGFlorida Law provides that any person who knowingly and with intent to injure, defraud, or deceive any insurer files a statement of claim or an application containing any false, incomplete or misleading information is guilty of a felony of the third degree.Material misrepresentations may prevent recovery of benefits under this policy. Misrepresentations could include failure to disclose on the application operators of any vehicle, or accurate driving records of the drivers. FLC-100 ed. Feb 2013 iTable of ContentsAGREEMENT 1 DUTIES 1 YOUR DUTIES IN CASE OF ANY ACCIDENT OR LOSS 1 ADDITIONAL DUTIES FOR UNINSURED/UNDERINSURED MOTORISTS COVERAGE 1 ADDITIONAL DUTIES FOR COVERAGE FOR DAMAGE TO THE INSURED AUTO 2 DEFINITIONS USED THROUGHOUT THIS POLICY 2 PART A LIABILITY COVERAGE 6 INSURING AGREEMENT 6 SUPPLEMENTARY PAYMENTS 6 EXCLUSIONS PART A ONLY 7 FEDERAL TORT CLAIMS ACT EXCLUSION 9 LIMIT OF LIABILITY PART A ONLY 9 CONFORMITY WITH STATE FINANCIAL RESPONSIBILITY LAWS 9 OUT OF STATE COVERAGE 10 OTHER INSURANCE PART A ONLY 10 PART B PERSONAL INJURY PROTECTION (PIP) COVERAGE 10 IMPORTANT NOTICE 11 INSURING AGREEMENT 11 ADDITIONAL DEFINITIONS - PART B ONLY 11 EXCLUSIONS PART B ONLY 14 LIMIT OF LIABILITY PART B ONLY 15 PAYMENT OF BENEFITS 15 OTHER INSURANCE PART B ONLY 17 POLICY PERIOD AND TERRITORY 17 DUTIES AFTER AN ACCIDENT OR LOSS 17 LEGAL ACTION 18 FRAUD AND MISREPRESENTATION 18 PROVISIONAL PREMIUM 18 PART C MEDICAL PAYMENTS COVERAGE 18 INSURING AGREEMENT 18 ADDITIONAL DEFINITIONS PART C ONLY 19 EXCLUSIONS PART C ONLY 19 LIMIT OF LIABILITY PART C ONLY 20 OTHER INSURANCE PART C ONLY 21 POLICY PERIOD TERRITORY 21 PART D UNINSURED / UNDERINSURED MOTORISTS COVERAGE 21 INSURING AGREEMENT 21 ADDITIONAL DEFINITIONS - PART D ONLY 22 LIMIT OF LIABILITY PART D ONLY 23 STACKED UNINSURED/UNDERINSURED MOTORIST COVERAGE 23 FLC-100 ed. Feb 2013 iiNON-STACKED UNINSURED/UNDERINSURED MOTORIST COVERAGE 23 EXCLUSIONS PART D ONLY 24 OTHER INSURANCE PART D ONLY 25 PART E COVERAGE FOR DAMAGE TO THE INSURED AUTO 25 INSURING AGREEMENT 25 ADDITIONAL DEFINITIONS - PART E ONLY 25 EXCLUSIONS PART E ONLY 27 LIMIT OF LIABILITY PART E ONLY 29 TRANSPORTATION EXPENSES 30 PAYMENT OF LOSS PART E ONLY 30 PROOF OF LOSS 31 OTHER INSURANCE PART E ONLY 31 NO BENEFIT TO BAILEE 31 TWO OR MORE AUTOMOBILES 31 CAR STORAGE AND TOWING 31 APPRAISAL 31 PART F GENERAL PROVISIONS 32 JOINT AND INDIVIDUAL INTERESTS 32 LEGAL ACTION AGAINST US 32 POLICY PERIOD & TERRITORY 32 PREMIUM PAYMENT 33 CANCELLATION AND NONRENEWAL 34 LIMITATIONS ON AGENT AUTHORITY 35 MEDIATION OF CLAIMS 35 TWO OR MORE AUTO POLICIES 35 TRANSFER OF YOUR INTEREST IN THIS POLICY 36 BANKRUPTCY 36 OUR RIGHT TO RECOVER 36 PUNITIVE OR EXEMPLARY DAMAGES 36 TERMS OF POLICY CONFORMED TO STATUTES 37 FRAUD AND MISREPRESENTATION 37 POLLUTION EXCLUSION 37 COMPANY SIGNATURE 38 ENDORSEMENT FORMS 39 FORM FLC-101: LOSS PAYABLE CLAUSE 39 FORM FLC-102: NAMED DRIVER EXCLUSION ENDORSEMENT Error! Bookmark not defined. FORM FLC-103: ADDITIONAL INSURED LESSOR 40 FORM FLC-104: NAMED NON-OWNER COVERAGE 40 FORM FLC-105: CUSTOM AND SPECIAL EQUIPMENT COVERAGE 41 FORM FLC-109C: FLORIDA NON-CANCELABLE POLICY ENDORSEMENT 41 FORM FLC-109R: RENTAL REIMBURSEMENT COVERAGE 42 FORM FLC-109T: TOWING AND LABOR COSTS COVERAGE 42 WINDSHIELD GLASS REPAIR/REPLACEMENT LIMIT OF LIABILITY AMENDMENT-FL GLA 04.21 43 FLC-100 ed. Feb 2013 1 of 44PERSONAL AUTOMOBILE POLICYAGREEMENTThis policy is issued and renewed in reliance upon the truth and accuracy of the representations made in the application for this insurance. The terms of this policy impose obligations on all persons defined as you. The responsibilities, acts and/or omissions, in connection with this insurance, of any person defined as you, shall be binding upon all other persons defined as you. The contract includes the Declarations Page, Endorsements, the Application, the Personal Auto Policy, and all attachments.DUTIESFAILURE TO COMPLY WITH ANY OR ALL OF THE CONDITIONS AND DUTIES OR ADDITIONAL DUTIES LISTED MAY RESULT IN OUR REFUSAL TO EXTEND TO YOU ANY PROTECTION UNDER THIS POLICY FOR THE ACCIDENT OR LOSS.YOUR DUTIES IN CASE OF ANY ACCIDENT OR LOSSIn the event of an auto accident or loss, you or any person claiming coverage under this policy must: 1. notify us promptly or as soon as practicable, but in no instance more than 30 days from the date of the auto accident or loss, of how, when and where the auto accident or loss happened by calling us at 1-800-779-2103. Notice should include, at a minimum, the names and addresses of any persons involved in the auto accident or loss, any witnesses and the identity of any law enforcement agency involved in the investigation of the auto accident or loss. Failure to give notice as required herein may jeopardize your coverage under this policy. Failure to comply with any of these duties may result in denial of coverage and relieve us of all duties to investigate, settle, defend, pay any judgment or otherwise honor any claims made by or against an insured. 2. cooperate with us in any matter concerning a claim or suit. 3. submit to physical examination at our expense, by doctors we select, as often as we may require, and authorize us to obtain medical and other records. 4. provide any written proof of loss under oath that we require. 5. neither admit fault, assume any obligation, nor agree to incur any expense in connection with any claim or accident without our consent.6. attend hearings and trials as often as we or a court may require. 7. send us promptly any legal papers received regarding any claim or suit. 8. allow us to take signed or recorded statements when and as often as we may require. 9. submit to examinations under oath as we may require. We may examine you or any person claiming coverage under this policy under oath, while not in the presence of any person, other than your attorney, about any matter relating to this insurance or the claim, including an insureds books and records. You or any person claiming coverage under this policy must prepare and sign any documents or paperwork prepared or submitted by us. The examination under oath may be conducted by a representative of our choice. ADDITIONAL DUTIES FOR UNINSURED/UNDERINSURED MOTORISTS COVERAGE FLC-100 ed. Feb 2013 2 of 44In addition to the duties stated in the YOUR DUTIES IN CASE OF AUTO ACCIDENT OR LOSS section above, a person seeking coverage under PART D under this policy must: 1. file a report with the appropriate law enforcement agency within 24 hours after discovery of the loss, if the insured auto or any of its equipment is stolen or vandalized, or a hit-and-run driver is involved.2. send us copies of the legal papers if a suit is brought. 3. notify us in writing by certified or registered mail of a tentative settlement between the insured and the insurer of the underinsured motor vehicle and allow us 30 days from our receipt of such notice to advance payment to that insured in an amount equal to the tentative settlement to preserve our rights against the insurer, owner or operator of such underinsured motor vehicle. 4. give us full details regarding the facts of loss and all injuries sustained and treatment received by you or any person claiming coverage under this policy. 5. take reasonable steps after loss to protect the insured auto and its equipment from further loss. We will pay reasonable expenses incurred in providing this protection. We will not be responsible for any loss or portion thereof which is caused by your delay in protecting the insured auto. 6. permit us to inspect and appraise the damaged property before its repair or disposal. ADDITIONAL DUTIES FOR COVERAGE FOR DAMAGE TO THE INSURED AUTO In addition to the duties stated in the YOUR DUTIES IN CASE OF AUTO ACCIDENT OR LOSS section above, a person seeking coverage under PART E must: 1. file a report with the appropriate law enforcement agency within 24 hours after discovery of the loss, if the insured auto or any of its equipment is stolen or vandalized, or a hit-and-run driver is involved.2. take reasonable steps after loss to protect the insured auto and its equipment from further loss. We will pay reasonable expenses incurred in providing this protection. We will not be responsible for any loss or portion thereof which is caused by your delay in protecting the insured auto. 3. permit us to inspect and appraise the damaged property before its repair or disposal. You must allow us to inspect and appraise the damaged property before its repair or disposal. We will pay only for damages which we are able to inspect prior to repairs being commenced, unless emergency repairs are necessary to minimize further damages and/or expenses. In the event that emergency repairs are necessary, we require photographs of the damaged area(s) along with a complete itemized estimate of repair and payment receipt. We may not be sued unless there is full compliance with all terms of this policy. DEFINITIONS USED THROUGHOUT THIS POLICYUnless defined differently elsewhere in this policy, the words and phrases listed below have the following meanings and will appear in bold print:1. Accident or accidental means a sudden, unexpected, and unintended event causing bodily injury or property damage, arising out of the operation, ownership, maintenance, or use of an auto. Coverage under this policy shall not apply if the accident or its consequences were either FLC-100 ed. Feb 2013 3 of 44intended by the insured, or could have reasonably been expected from your viewpoint or the viewpoint of any person claiming coverage under this policy. All bodily injury and property damage arising out of continuous or repeated exposure to substantially the same general conditions shall be considered as arising out of one accident. 2. Actual cash value means market value at the time of the loss based upon vehicle mileage, age, condition, original optional equipment, and comparable vehicles available for sale within a reasonable geographic radius as documented in a electronic database of publications and dealerships, less depreciation and/or betterment.3. Additional auto means an auto that you become the owner of and acquire while the policy is in force that is in addition to the insured auto and we insure all autos owned by you. The auto must be an acceptable risk to us under our underwriting guidelines to qualify as an additional auto.4. Auto means a motorized four-wheel land vehicle of the private passenger type intended for use on public roads and required to be licensed and registered. Auto includes a pickup, van, crossover, or sport utility vehicle, weighing less than 10,000 pounds with a load capacity of 1,500 lbs. or less, that is not used in any business other than farming or ranching. Auto does not include motorcycles, midget cars, golf carts, tractors, farm machinery, any vehicle used in mass transit, moving vans or trucks, any vehicle operated on rails or crawler treads, or any vehicle used as a residence.5. Auto business means the business of selling, leasing, repairing, servicing, delivering, testing, road testing, towing, storing, or parking vehicles or trailers. 6. Betterment means a deduction for making an item better or adding value. 7. Bodily injury means injury to the body, including sickness or disease, resulting in impairment of physical condition, including death resulting therefrom, which is caused by an accident covered under this policy and occurring while the policy is in force. Bodily injury does not include harm, sickness, disease or death arising out of a medically defined communicable disease contracted by any person or the exposure of such a disease by any person to any other person.All claims for damages arising from bodily injury to a person from a single loss or accident shall be considered one bodily injury.8. Business means trade, profession, occupation, course of employment, job, or commercial use of any kind, but does not include the use of the insured auto to carry tools and supplies between your home and job site.9. Declarations Page means the document you receive from us listing the types of coverages you have selected, the limit for each coverage, the cost for each coverage, deductibles, the specified autos covered by this policy, the types of coverages for each such auto, and other information applicable to this policy.10. Depreciation means the loss of value caused by physical, technological, social, and/or location deterioration.11. Diminution of value means the actual or perceived reduction, if any, in the fair market value of tangible property by reason of the fact that it has been damaged and repaired. 12. Insured auto means:a. any auto described on the Declarations Page.b. any trailer you own while it is attached to the insured auto. For coverage to be provided under PART E of this policy, the trailer must be listed on the Declarations Page and a premium must be paid.FLC-100 ed. Feb 2013 4 of 44c. a replacement auto. To be considered an insured auto, you must notify us within 7 days of the date you become the owner or take physical possession of the replacement auto, whichever comes first. The replacement auto will have the broadest coverage we now provide for the auto being replaced. If the auto being replaced does not have coverage under PART E, we will add this coverage for the replacement auto effective after you ask us to do so. All insurance for the auto being replaced ends when you take delivery of the replacement auto.To qualify as a replacement auto under this policy, the auto must be an acceptable risk to us under our underwriting guidelines.d. an additional auto. To be considered an insured auto, you must notify us within 7 days of the date you become the owner or take physical possession of the additional auto, whichever comes first. The additional auto will have the broadest coverage we now provide on your policy, except for PART E. If any auto listed on the Declarations Page has coverage under PART E, you must notify us within 7 days of the date you become owner or take physical possession of the additional auto, whichever comes first, in order to continue coverage under PART E for the additional auto. If no auto listed on the Declarations Page has coverage under PART E, we will add this coverage for the additional auto effective after you ask us to do so. To qualify as an additional auto under this policy, the auto must be an acceptable risk to us under our underwriting guidelines.e. a temporary substitute auto. A temporary substitute auto is provided the same coverage as the auto which it temporarily replaces. 13. Loss means sudden, direct, accidental damage or destruction. Loss does not include diminution of value.14. Named insured means a person identified on the Declarations Page by name as the named insured.15. Non-owned auto means any auto, including a rental vehicle that is used by you with the express or implied permission of the owner and not owned by, furnished, or available for the regular use of you, a relative, or a resident. Non-owned auto does not include a temporary substitute auto.16. Occupying means in, upon, entering into, or exiting from an auto. 17. Own, owner, or owned means the person who:a. holds legal title to the vehicle;b. has legal possession of the vehicle that is subject to a written security agreement with an original term of 6 months or more; and/orc. has legal possession of the vehicle that is leased to that person under a written agreement for a continuous period of 6 months or more. 18. Property damage means physical injury to, destruction of, or loss of use to tangible property caused by an auto accident.19. Racing means participating in, preparation for, or any use of a motor vehicle or trailer in any race, speed, demolition, stunt, demonstration, off-road driving, driver training, high performance driving, driver competition, or timed contest or activity, whether organized or not. 20. Reasonable Proof of Claim means our receipt of the following: a. an accident report issued pursuant to Chapter 316 of Florida Statutes; and/or b. any other information, statements, examinations under oath or documentation requested by us, which we deem necessary for us to make an informed claims decision. FLC-100 ed. Feb 2013 5 of 4421. Regular operator is any person not listed on the Declarations Page who operates the insured auto on 7 or more occasions during the policy period. 22. Relative means any person related to you by blood, marriage, or adoption, including a ward or foster child, who lives in your place of domicile or permanent residence, whether or not temporarily living elsewhere. Relative includes a minor under your guardianship who lives in your place of domicile or permanent residence. Any person who becomes a member of the household must be listed on the application or endorsed on the policy prior to a loss or accident. 23. Rental vehicle means an auto you rent or hire for a term of 30 days or less. An auto you rent or hire for more than 30 days is a vehicle furnished or available for regular use by you. Rental vehicles may be rented or hired only from an entity licensed to conduct such business under applicable state law.24. Replacement Auto means an auto that you become the owner of and acquire while the policy is in force.This auto must take the place of an auto described on the Declarations Page because of: a. termination of your ownership interest in an auto described on the Declarations Page. b. mechanical breakdown, theft, deterioration, or total loss of an auto described on the Declarations Page, rendering it permanently inoperable. The auto must be an acceptable risk to us under our underwriting guidelines to qualify as a replacement auto.25. Resident means a person living in your place of domicile or permanent residence, other than you or a relative. Any person who becomes a member of the household must be listed on the application or endorsed on the policy prior to a loss or accident. 26. Temporary substitute auto means any auto operated by you or any relative or resident, which is not furnished or available for regular use by you, a relative or a resident and is used on a temporary basis as a substitute for any other auto listed on the Declarations Page, which is out of normal use because of its:a. breakdown.b. repair.c. servicing.d. loss.e. destruction.f. manufacturers defects.g. latent defects.27. Trailer means a device or vehicle which is not self-propelled and is designed to be towed by an auto, including a farm wagon or farm implement. A mobile home, travel trailer, office, store, display, passenger trailer or any vehicle that can be lived in or is self-propelled is not a trailer. 28. Vehicle means a surface transportation device used for conveying goods, passengers, or equipment.29. We, us, and our mean the company shown on the Declarations Page. 30. You and your means the named insured shown on the Declarations Page and includes your spouse, if living in the same place of domicile or permanent residence and disclosed on the application or endorsed to the policy prior to a loss. FLC-100 ed. Feb 2013 6 of 44PART A LIABILITY COVERAGEINSURING AGREEMENTIf you pay a premium for this coverage, we will pay damages, except any punitive or exemplary damages, up to the policy limits stated on the Declarations Page, for bodily injury or property damage for which any insured becomes legally responsible because of an auto accident. Damages include prejudgment interest awarded against the insured subject to our limit of liability for this coverage. We will settle or defend, as we consider appropriate, any claim or suit asking for these damages. In addition to our limit of liability, we will pay all defense costs we incur. Our duty to settle or defend ends when we pay our limit of liability for this coverage in satisfaction of a judgment or settlement. We have no duty to defend any suit, settle any claim or pay any judgment for bodily injury or property damage not covered under this policy.Insured as used in this Part means:1. you or any resident or relative for the ownership, maintenance or use of the insured auto. 2. you while operating any non-owned auto with the express or implied consent of the owner of the auto.3. any person or organization with respect only to vicarious liability for an accident arising out of the use of the insured auto or non-owned auto by a person described in 1 or 2 above. 4. any person driving the insured auto with your express or implied consent. Such person must:a. hold a valid driver's license at the time of the loss. b. not be a regular operator of the insured auto.Insured does not mean any person with a learners permit operating or driving an insured auto unless listed on the Declarations Page.Insured does not mean a driver who is not listed on this policy, who resides in the same household as the named insured, or who is a regular operator of any vehicle insured under this policy and is involved in an accident which occurs while the auto is being driven, operated, manipulated, maintained, serviced or used in any other manner by this person. This limitation shall apply whether or not an insured is occupying the vehicle at the time the driver is using it in any manner, whatsoever. This limitation shall not apply if this policy is certified as proof of financial responsibility. SUPPLEMENTARY PAYMENTSIn addition to our limit of liability, we will pay on behalf of an insured: 1. Premiums on appeal bonds and bonds to release attachments in any suit we defend and if we choose to appeal we will not pay the portion of the premium for such bonds for any amount which exceeds our limit of liability.2. Damages covered under this policy and interest accruing after a judgment is entered in any suit we defend. Our duty to pay interest ends when we offer to pay the judgment or that part of the judgment which does not exceed our limit of liability for this coverage, whichever is less. 3. Other reasonable expenses incurred at our request. FLC-100 ed. Feb 2013 7 of 444. Reasonable loss of wages, up to $50 per day, but not other income, because of attendance at hearings, proceedings, or trials at our request.To receive a supplementary payment under this section, you must submit a claim and provide proof of entitlement.EXCLUSIONS PART A ONLYREAD THE FOLLOWING EXCLUSIONS CAREFULLY. COVERAGE WILL NOT BE AFFORDED UNDER THIS PART FOR ANY OF THE EXCLUSIONS LISTED BELOW. We do not cover:1. bodily injury or property damage covered by a nuclear energy liability policy, even if the limits of that policy are exhausted.2. bodily injury or property damage if the accident or its consequences were either intended, or directed by any insured, or could have reasonably been expected from the viewpoint of the insured.3. bodily injury or property damage that results from the maintenance or use of a vehicle without or outside of the scope of the owners express or implied permission. 4. property damage to property owned or being transported by an insured. 5. property damage to property the insured rents, uses, or has charge of, except a residence or private garage, including loss of its use.6. liability arising out of the ownership or operation of an auto while it is being used to carry persons or property for compensation or a fee, including, but not limited to, delivery of magazines, newspapers, food, pizza, or any other product. This exclusion does not apply to a share-the- expense car pool.7. bodily injury or property damage resulting from an auto business. However, this exclusion does not apply to claims against you when the bodily injury or property damage arises out of auto business operations conducted by someone other than you, a relative or resident. 8. maintaining or using any vehicle while that person is employed or otherwise engaged in any business (other than farming or ranching) not described in Exclusions 6 and 7. If a business use surcharge is noted on the Declarations Page, this exclusion does not apply to the ownership, maintenance or use of that vehicle by:a. you.b. any relative or resident.9. bodily injury to an employee or fellow employee of any insured person arising out of the course of employment. This exclusion does not apply to bodily injury to a domestic employee unless Workers Compensation benefits, disability benefits, or similar benefits are required or available for that domestic employee.10. bodily injury to you, a relative, or a resident. 11. bodily injury or property damage arising out of the operation of equipment or machinery not listed on the Declarations Page.12. bodily injury or property damage resulting from the ownership, maintenance, or use of any vehicle other than the insured auto, which is owned by, furnished or available for the regular use of you, a relative, or a resident.13. bodily injury or property damage resulting from the ownership, maintenance or use of the insured auto by any person who is a regular operator of the insured auto, but is not listed on the Declarations Page prior to the loss.FLC-100 ed. Feb 2013 8 of 4414. bodily injury or property damage resulting from the ownership, maintenance, or use of any vehicle, in any racing event.15. bodily injury or property damage arising out of the ownership, maintenance, use, loading or unloading of any haul-away truck, tank truck, or tank trailer when used with a vehicle that is not listed on the Declarations Page, which is owned, hired or held for sale by the insured. 16. bodily injury or property damage arising out of the use of any auto while towing a trailer designed for use with any vehicle other than a private passenger auto. 17. bodily injury or property damage arising out of the ownership, maintenance or use of: a. a motorcycle or any motorized vehicle having fewer than four wheels. b. an all-terrain vehicle regardless of its number of wheels. c. any vehicle not required to be licensed for use on public roads. 18. bodily injury or property damage arising out of any liability assumed by an insured under any contract or agreement, except as required by Florida Statute 627.7263, as amended, as to motor vehicle rental or leasing contracts.19. bodily injury or property damage arising out of any persons liability for the ownership, maintenance or use of the insured auto when it:a. is being rented or leased to others.b. has been sold to another.c. is under a conditional sales agreement by you to another. 20. bodily injury or property damage caused by war (declared or undeclared), civil war, insurrection, rebellion, riot, revolution, nuclear reaction or radioactive contamination, or any consequence of any of these.21. bodily injury or property damage arising out of the ownership, maintenance or use of an auto while it is being used as a residence or premises. 22. bodily injury or property damage to any person while occupying any auto: a. being used in any unlawful activity (other than a traffic violation), illicit trade or transportation.b. used in an attempt to flee a law enforcement agent. 23. any punitive or exemplary damages.24. bodily injury or property damage arising out of the use of the insured auto by an individual who:a. is under the minimum age to obtain a drivers license. b. does not have a valid drivers license.c. has a suspended drivers license.d. has a revoked drivers license.e. has a learners permit, unless listed on the Declarations Page. 25. bodily injury or property damage resulting from the use of an auto for snow removal. 26. bodily injury or property damage arising out of the ownership, maintenance or use of the insured auto by a person specifically excluded by endorsement. FLC-100 ed. Feb 2013 9 of 44FEDERAL TORT CLAIMS ACT EXCLUSIONThe following are not insured(s) under PART A of the policy: 1. The United States of America.2. Any federal agency as defined in the Federal Tort Claims Act. 3. A person acting in the scope of employment for the United States of America or any federal agency when the provisions of the Federal Tort Claims Act apply. LIMIT OF LIABILITY PART A ONLYThe Limit of Liability shown on the Declarations Page for each person for bodily injury liability coverage is our maximum limit of liability for all damages for bodily injury, sustained by any one person in any one auto accident.Subject to this limit for each person, the limit of liability shown on the Declarations Page for each accident for bodily injury liability coverage is our maximum limit of liability for all damages for bodily injury to 2 or more persons resulting from any one auto accident. The bodily injury limit of liability for each person is the most we will pay for all damages, including damages for derivative claims resulting from the bodily injury sustained by one person in one accident. Derivative claims include, but are not limited to, emotional injury or mental anguish of others resulting from the bodily injury or from witnessing the bodily injury to another, loss of society, loss of companionship, loss of services, loss of consortium, and wrongful death. The Limit of Liability shown on the Declarations Page for each accident for property damage liability coverage is our maximum limit of liability for all damage to all property, including loss of use, resulting from any one auto accident.The Limit of Liability shown on the Declarations Page is the most we will pay for bodily injury liability coverage or property damage liability coverage as a result of any one auto |
