NVL Laboratories Inc. 12/27/2016

a. The number of days reasonably required 2. Exclusions to repair or replace the covered "auto". If The exclusions that apply to SECTION III — "loss" is caused by theft, this number of PHYSICAL DAMAGE, except for the exclu- days is added to the number of days it sion relating to Audio, Visual and Data Elec- takes to locate the covered "auto" and re- tronic Equipment, also apply to coverage pro- turn it to you; or vided by this endorsement. In addition, the fol- b. 30 days. lowing exclusions apply: 4. Our payment is limited to the lesser of the fol- We will not pay, under this endorsement, for ei- lowing amounts: ther any electronic equipment or accessories a. Necessary and actual expenses incurred; used with such electronic equipment that is: or a. Necessary for the normal operation of the b. $50 per day covered "auto" or the monitoring of the covered "auto's" operating system; or 5. This coverage does not apply while there are spare or reserve "autos" available to you for b. Both: your operations. (1). An integral part of the same unit 6. If "loss" results from the total theft of a cov- housing any sound reproducing ered "auto" of the private passenger type, we equipment designed solely for the re- will pay under this coverage only that amount production of sound if the sound re- of your rental reimbursement expenses which producing equipment is permanently is not already provided for under the para- installed in the covered "auto"; and graph A.4. Coverage Extensions in SECTION (2). Permanently installed in the opening III—PHYSICAL DAMAGE COVERAGE. of the dash or console normally used No Deductible applies to this coverage. by the manufacturer for the installa tion of a radio. I. AIRBAG COVERAGE 3. Limit Of Insurance Exclusion B.3. in SECTION III — PHYSICAL DAMAGE COVERAGE is amended to add: With respect to coverage under this en- dorsement, the Limit Of Insurance provision This exclusion does not apply to the accidental of SECTION III — PHYSICAL DAMAGE discharge of an airbag. COVERAGE is replaced by the following: J. AUDIO, VISUAL AND DATA ELECTRONIC a. The most we will pay for all "loss" to au- EQUIPMENT dio, visual or data electronic equipment 1. Coverage and any accessories used with this a. We will pay with respect to a covered "au- equipment as a result of any one "acci to" described in the Schedule for "loss" to dent" is the lesser of: any electronic equipment that receives or (1). The actual cash value of the dam- transmits audio, visual or data signals and aged or stolen property as of the time that is not designed solely for the repro- of the "loss"; duction of sound. This coverage applies (2). The cost of repairing or replacing the only if the equipment is permanently in- damaged or stolen property with other stalled in the covered "auto" at the time of property of like kind and quality; or the "loss" or the equipment is removable (3). $1,500. from a housing unit which is permanently installed in the covered "auto" at the time b. An adjustment for depreciation and physi- of the "loss", and such equipment is de- cal condition will be made in determining signed to be solely operated by use of the actual cash value at the time of the "loss". power from the "auto's" electrical system, c. If a repair or replacement results in better in or upon the covered "auto". than like kind or quality, we will not pay for b. We will pay with respect to a covered "au- the amount of betterment. to" described in the Schedule for "loss" to 4. Deductible any accessories used with the electronic equipment described in Paragraph 1.a. No deductible applies to this coverage. above. However, this does not include The insurance provided by this extension is ex- tapes, records or discs. cess over any other collectible insurance. Includes copyrighted material of Insurance Services Office, Inc., CA 79 10 01 10 with its permission. Page 3 of 6