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Includes copyrighted material of Insurance Services Office, Inc., with its permission M2855A (8-19) Page 2 of 3 190322.FRM The most we will pay under this coverage is the least of: 1. $50,000; or 2. The actual value at the time of loss; or 3. The cost of repairing or replacing the damaged or stolen property with other property of like kind or quality. 8. Loan Lease Gap The following is added to Section III – Physical Damage Coverage, A. Coverage: Loan Lease Gap In the event of a total "loss" to a covered "auto" that is covered for Comprehensive or Specified Causes of Loss and Collision coverage, we will pay the "outstanding balance" on the lease or loan for that covered "auto" up to $2,500. 9. Personal Effects The following is added to Section III – Physical Damage Coverage, A. Coverage, 4. Coverage Extensions: Personal Effects For any owned "auto" that is involved in a covered "loss", we will pay up to $500 for "personal effects" that are lost or damaged as a result of the covered "loss", without applying a deductible. 10. Rental Reimbursement The following is added to Section III – Physical Damage Coverage, A. Coverage, 4. Coverage Extensions: Rental Reimbursement If a covered "auto" owned by you is covered for Comprehensive or Specified Causes of Loss and Collision coverage, we will pay for rental reimbursement expenses incurred by you for the rental of an "auto" because of "loss" to a covered "auto". Payment applies in addition to the otherwise applicable amount of each coverage you have on a covered "auto". No deductibles apply to this coverage. We will pay only for those expenses incurred during the policy period beginning 24 hours after the "loss" and ending, regardless of the policy's expiration, with the lesser of the following number of days: 1. The number of days reasonably required to repair or replace the covered "auto". If "loss" is caused by theft, this number of days is added to the number of days it takes to locate the covered "auto" and return it to you, or 2. Up to $75 per day up to 30 calendar days. This coverage does not apply while there are spare or reserve "autos" available to you for your operations. If "loss" results from the total theft of a covered "auto" of the private passenger type, we will pay under this coverage only that amount of your rental reimbursement expenses which is not already provided for under another Physical Damage Coverage Extension. 11. Towing Section III – Physical Damage Coverage, A. Coverage, 2. Towing is replaced with the following: We will pay up to $100 for towing and labor costs incurred each time a covered "auto" of the private passenger or Light Local Service (0 – 10,000 lbs. GVW) type is disabled. However, the labor must be performed at the place of disablement. 12. Additional Insured by Contract or Agreement A. The following is added to Section II – Liability Coverage, A. Coverage, 1. Who Is An Insured: When you have agreed in a written contract or agreement to include a person or organization as an additional "insured", such person or organization is included as an "insured" subject to the following: 1. Such person or organization is an additional "insured" only to the extent such person or organization is liable for "bodily injury" or "property damage" because of the conduct of an "insured" under Paragraphs a. or b. under Section II – Liability Coverage, Paragraph A.1. Who Is An Insured, caused by an "accident" and resulting from the ownership, maintenance or use of a covered "auto"; and 2. The written contract or agreement described above must have been executed prior to the "accident" that caused the "bodily injury" or "property damage" and be in effect at the time of such "accident"; and 3. The insurance afforded to any such additional "insured" does not apply to any "accident" beyond the period of time required by the written contract or agreement described above. B. The most we will pay on behalf of such additional "insured(s)" is the lesser of: 1. The Limits of Insurance specified in the written contract or agreement described above; or Docusign Envelope ID: 409F905D-6320-40C8-9B56-5DEB89094B4B