A. We do not provide Liability Coverage for any “insured”.
1. Who inentionally causes “bodily injury” or “property damage”.
2. For “property damage” to property owned or being transported by that “insured”.
3. For “property damage” to property:
a. rented to;
b. used by; or
c. in the care of;
that “insured”.
We will pay on behalf of an “insured”.
1. Up to $250 for the cost of bail bonds required because of an accident, including related traffic law violations. The accident must result in “bonily injury” or “property damage” covered under this policy.
2. Premiums on appeal bonds and bonds to release attachments in any suit we defend.
“Insured” as used in this Part means:
1. You or any “family member” for teh ownership, maintenance or use of any auto or “trailer”.
2. Any person using “your covered auto”
3. For “your covered auto”, any person or organization but only with respect to legal responsibility for acts or omissions of a person for whom coverage is afforded under this Part.
1. “Newly aquired auto” means any of the following types of vehicles you become the owner of during the policy period:
a. A private passenger auto; or
b. A pickup or van, for which no other insurance policy provides coverage, that:
1.)Has a Gross Vehicle Weight Rating of 10,000 Lbs. or less; and
2.) Is not used for the delivery or trasportation of goods and materials unless such use is:
a.) Inceidental to your “business” of installing, maintaining or repairing furnishings or equiptment; or
b.) For farming or ranching.
2. Coverage for a “newly aquired auto” is provided as described below. If you ask us to insure a “newly aquired auto” after a specified time period described below has elapsed, any coverage we provide for a “newly aquired vehicle” will begin at the time you request the coverage.
a. Breakdown
b. repair
c. Servicing
d. Loss; or
e. Destruction
This Provision(J.4) does not apply to Coverafe For Damage To Your Auto
A person related to you by blood, marriage or adoption who is a resident of your household. This inclues a ward or foster child.
BRACE YOUR GABLE END ROOF–A gabled roof has two slopes that come together to form a ridge or a peak at the top. Homes with gabled roofs and more likely to suffer collapse of the end wall from high winds because they are often not braced properly during construction.
PROTECT YOUR WINDOWS–By shuttering your windows with plywood or another commercially-available product, you can inclease your home’s ability to withstand wind by one category of storm strength. In other words, a home that could survive a Category 2 storm can now handle a Category 3. If the wind gets into your home, it can force the roof upward, possibly allowing high winds to tear it off.
1. BRACE YOUR GARAGE. After Hurricane Andrew, engineers looked at how the homes in South Floirda failed during the high winds. Four out of five homes that had major structural damage lost their garage doors first. Oldrer garage doors in good condition can be braced with retrofit kits available at most home centers. New garage doors must meet stringent wind load requirements.
If you are doing any home renovations that require digging, call 8-1-1 before you start. This free service will help you locate underground utilities before you damage them. Not only will it keep you safe, its the law!