It is hereby agreed and understood, in consideration for the additional premium paid, the following coverage’s will be granted to those specific vehicles list in the policy to which this endorsement is attached. 

Glass Coverage 

We will pay for damage to windshield or window glass as a result of a covered loss to a covered vehicle with a limit of $500 per occurrence with a $250 deductible. Coverage is limited to 1 (one) claim per policy period. 

Personal and Business Property Coverage 

We will pay for the loss or damage to personal and/or business property of the insured resulting from a covered loss, while inside a covered vehicle subject to a limit of $3500.00 and subject to a $250 deductible. 

We will not pay for loss or damage to any of the following:

a. Accounts, bills, currency, evidence of debt, notes, securities or commercial paper or other documents of value.

b. Bullion, gold, silver, platinum, or any precious metal or alloy; furs or fur garments, jewelry, watches or ant precious or semi precious stones.

c. Fine arts or collectibles

d. Contraband or property in the course of illegal transportation

e. Loss caused by theft unless there are visible signs or marks of forcible entry into the covered vehicle and a report has been filed with the proper civil authorities. 

Downtime & Rental Reimbursement Coverage

We will pay for downtime and rental reimbursement expenses you incur as a result of a covered physical damage loss to a covered vehicle at a limit of $125.00 per day for a maximum of 30 days with a total coverage limit of $3750.00.  

Coverage will commence on the 11^th day after the date the loss is reported to us. 

Coverage will end upon any of the following:

a. the repairs to your covered vehicle are completed

b. we pay you for your loss

c. your reach the maximum time or dollar limits of coverage

d. your covered vehicle is determined to be a total loss

Downtime means your vehicle has been rendered inoperable as a result of a covered loss and is the custody of a repair facility for the repair of the covered damage.

Additional Towing Coverage

We will pay for Towing expenses you incur as a result of a covered loss to a covered vehicle with a total coverage limit of $2000.00 per occurrence.

Diminishing Deductible

We will reduce the deductible shown in the declaration pages of this policy by 25% for each year in which the insured does not file a claim under any section or coverage of this policy. The deducible will reset to its original level shown in the declarations upon the occurrence of a covered loss.

The deductible will reduce as shown below for each loss free year:

Accidental Death or Dismemberment

We will pay, based on the schedule attached, for loss, or, loss of use of, limbs and/or appendages, or your death as a result of a covered accident

Coverage: Occupation & Non-Occupation -24 Hour

Maximum indemnity any of loss: $15,000