NVL Laboratories Inc. 12/27/2016

K. TAPES, RECORDS AND DISCS COVERAGE 2. "Personal effects" as used in this extension Exclusion B.4.a. of SECTION III — PHYSICAL means tangible property that is worn or car- DAMAGE COVERAGE is deleted and replaced by ried by the "insured". "Personal effects" does the following: not include tools, jewelry, money, securities, radar or laser detectors, or tapes, records, a. Tapes, records, discs or other similar au- discs or similar audio, visual or data electronic dio, visual or data electronic devices de- equipment. signed for use with audio, visual or data electronic equipment except when the No Deductible applies to this extension. tapes, records, discs or other similar au- The insurance provided by this extension is ex- dio, visual or data electronic devices: cess over any other collectible insurance. (1) Are your property or that of a family N. LOAN/LEASE PAYOFF COVERAGE member, and The SECTION III — PHYSICAL DAMAGE COV- (2) Are in a covered "auto" at the time of ERAGE is amended by the addition of the following: "loss". In the event of a total "loss" to a covered "auto" (a). The most we will pay for "loss" is shown in the Declarations, we will pay any unpaid $200. No Physical Damage Coy- amount due on the lease or loan for a covered erage deductible applies to this "auto", less: coverage. 1. The amount paid under the Physical Damage This extension provides coverage only to a cov- Coverage Section of the policy; and ered "auto". 2. Any: L. PHYSICAL DAMAGE DEDUCTIBLE — SINGLE a. Overdue lease/loan payments at the time DEDUCTIBLE AND GLASS REPAIR of the "loss"; Paragraph D. Deductible in SECTION III — b. Financial penalties imposed under a lease PHYSICAL DAMAGE COVERAGE is deleted and for excessive use, abnormal wear and replaced by the following: tear or high mileage. D. Deductible c. Security deposits not returned by the For each covered "auto," our obligation to pay lessor; for, repair, return or replace damaged or sto- d. Costs for extended warranties, Credit Life len property will be reduced by the applicable Insurance, Health, Accident or Disability deductible shown in the Declarations. Any Insurance purchased with the loan or Comprehensive Coverage deductible shown lease; and in the Declarations does not apply to "loss" caused by fire or lightning. e. Carry-over balances from previous loans or leases. When two or more covered "autos" sustain "loss" in the same occurrence, the total of all O. CUSTOM SIGNS AND DECORATIONS the "loss" for all the involved covered "autos" In the event of a total loss to a vehicle insured for will be reduced by a single deductible, which auto physical damage coverage on this policy, in will be the largest of all the deductibles apply- addition to the ACV of the vehicle, we will pay the ing to all such covered "autos." actual cost to repair or replace signage or custom No deductible applies to glass damage if the paint details up to $5,000. glass is repaired rather than replaced. P. HIRED AUTO PHYSICAL DAMAGE M. PERSONAL EFFECTS COVERAGE If hired "autos" are covered "autos" for Liability 1. If you purchase Comprehensive Coverage on Coverage and if Physical Damage Coverage of this policy for a stolen owned "auto", we will Comprehensive, Specified Causes of Loss, or pay up to $600 for "personal effects" stolen Collision are provided under this Coverage Form with the "auto". for any "auto" you own, then the Physical Damage Coverage's provided are extended to "autos" you hire of like kind and use subject to the following limit: The most we will pay for any one loss is the lesser of the following: 1. $50,000 per accident, Includes copyrighted material of Insurance Services Office, Inc., Page 4 of 6 with its permission. CA 79 10 01 10