Fl Risk Blog

Appraisal

A. If we and you do not agree ont he amount of loss, either may demand an appraisal of the loss. In this event, each party will select a competent and impartial appraiser. The two appraisers will select an umpire. The appraisers will state seperatly the actual cash value and the amount of loss. If they fail toa gree, they will submit their differences to the umpire. A decision agreed to by any two will be binding. Each party will:

1. Pay its chosen appraiser;

2. Bear the expenses of the appraisal and umpire equally.

B. We do not waive any of our rights under this policy by agreeing to an appraisal.

Payment Of Loss

We may pay for loss in money or repair or replace the damaged or stolen property. We may, at our expense, return any stolen property to:

1. You; or

2. The address shown in this policy

If we return stolen property we will pay for any damage resulting from that theft. We may keep all or part of the property at an agreed or appraised value.

If we pay for loss in money, our payment will include the applicable sales tax for the damaged or stolen property.

TRANSPORTATION EXPENSES

A. In addition, we will pay, without application of a deductible, up to a maximum of $600 for:

1. Temporary transportation expenses not exceeding $20 per day incurred by you in the event of a loss to “your covered auto” We will pay for suck expenses if the loss is caused by:

a. Other than “collision” only if the Declorations indicate that Other Than Collision Coverage is provided for that auto.

b. “Collision” only is the Delcorations indicate that Collision Coverage is provided for that auto.

B. “collision” means the upset of “your covered auto” or “non-owned auto” or their impact with another vehicle or object.

Loss caused by the following is considered other than “collision”.

1. Missiles ot falling objects;

2. Fire;

3. Theft or larceny;

4. Explosion or earthquake;

5. Windstorm;

6. Hail, water, or flood;

7. Malicious mischief or vandalism;

8. Riot or civil commotion;

9. Contact with bird or animal; or

10. Breakage of glass

If breakage of glass is caused by a “collision”‘ you may elect to have it considered a loss caused by “collision”.

A. We will pay for direct and accidental loss to “your covered auto” or any “non-owned auto”, including their equiptment, minus any applicable deductible shown in the Declorations. If loss to more than one “your covered auto” or “non owned auto” results fromt he same “collision”, only the highest applicable deductible will apply. We will pay for loss to “your covered auto” caused by:

1. Other than “collision” only if the Declarations indicate that OTher THan Collision Coverage is provided for that auto.

C. “Uninsured motor behicle” means a land motor vehicle or trailer of any type:

1. To which no bodily injury liability bond or policy applies at the time of the accident.

2. To which a bodily injury liability bond or policy applies at the time of the accident. In this care its limit for bidily injury liability must be less than the minimum limit for bodily injury liability specified by the financial responsibility law of the state in whcih “your covered auto” is pricipally garaged.

B. “Insured” as used int his Part means:

1. You or any “family member”

2. Any other person “occupying” “your covered auto”

3. Any person for damages that person is entitled to recover because of “bodily injury” to which this coverage applies sustained by a person described in 1. or 2. above.

A. We will pay compensatory damages which an “insured” is legally entitled to recover from the owner or operator of an “uninsured motor vehicle” because of “bodily injury.”

1. Sustained by an “insured” and

2. Caused by an accident

1. You or any “family member”.

a. While “occupying”; or

b. As a pedestrian when struck by; a motor behicle designed for use mainly on public roads or a trailer of any type.

2. Any other person while “occupying”"your covered auto”.

A. We will pay reasonable expenses incurred for necessary medical and funeral services because of “bodily injury”.

1. Caused by accident; and

2. Sustained by an “insured”.