Nevada Division of Insurance - QUICK REFERENCE San Antonio...

USAA9800 Fredericksburg Road

QUICK REFERENCESan Antonio, Texas 78288

DECLARATIONS PAGE

Named Insured and AddressNEVADA AUTO POLICY Policy Period

OperatorsREAD YOUR POLICY, DECLARATIONS Description of Vehicle(s)

Coverages, Amounts ofAND ENDORSEMENTS CAREFULLYInsurance and Premiums

The automobile insurance contract between thenamed insured and the company shown on theDeclarations page consists of this policy plusthe Declarations page and any applicableendorsements. The Quick Reference sectionoutlines essential information contained on theDeclarations and the major parts of the policy.

EndorsementsBeginning

on Page 3 Agreement and Definitions

Part A 4 Liability Coverage

DefinitionsInsuring Agreement

Bodily Injury Liability Coverage andThe policy provides the coverages andamounts of insurance shown on theDeclarations for which a premium isshown.

Property Damage Liability CoverageLimit of LiabilitySupplementary PaymentsExclusionsOut of State Coverage

This is a participating policy. You are entitled todividends as may be declared by the board ofdirectors.

Other Insurance

Part B 8 Medical Payments Coverage

DefinitionsIf this policy is issued by United ServicesAutomobile Association ("USAA"), a reciprocalinterinsurance exchange, the following apply:

Insuring AgreementMedical Payments CoverageExtended Benefits Coverage

Limit of LiabilityBy purchasing this policy you are a memberof USAA and are subject to its bylaws.

B�ExclusionsOther InsuranceSpecial Provisions

B� This is a non-assessable policy. You areliable only for the amount of your premiumas USAA has a free surplus in compliancewith Article 19.03 of the Texas InsuranceCode of 1951, as amended.

B� The board of directors may annually allocatea portion of USAA's surplus to Subscriber'sAccounts. Amounts allocated to suchaccounts remain a part of USAA's surplusand may be used as necessary to supportthe operations of the Association. Amember shall have no right to any balance inthe member's account except until followingtermination of membership, as provided inthe bylaws. (Quick Reference continued on Page 2)

54266-0714_075100NV(02) Rev. 10-14 of 26

Part C 12 Uninsured Motorists Coverage Part E 19 General Provisions

BankruptcyDefinitionsInsuring Agreement Changes

Limit of Liability Conformity to LawExclusions Duties After an Accident or LossOther Insurance Legal Action Against UsNon-Duplication Misrepresentation

Non-Duplication of PaymentPart D 14 Physical Damage Coverage

Our Right to Recover PaymentDefinitions OwnershipInsuring Agreement Policy Period and Territory

Comprehensive Coverage Reducing the Risk of LossCollision Coverage Spouse AccessRental Reimbursement Coverage

TerminationUSAA Roadside Assistance

Transfer of Your Interest in this PolicyLimit of Liability

Payment of Loss Two or More Auto PoliciesLoss Payable ClauseWaiver of Collision DeductibleExclusionsNo Benefit to BaileeOther Sources of RecoveryAppraisal

5100NV(02) Rev. 10-14 of 26

NEVADA\AUTO POLICY

AGREEMENT

In return for payment of the premium and subject to all the terms of this policy, we will provide thecoverages and limits of liability for which a premium is shown on the Declarations.

DEFINITIONS

The words defined below are used throughoutthis policy. They are in boldface when used.

2. An activity that challenges the speed orhandling characteristics of a vehicle orimproves or demonstrates driving skills,provided the activity occurs on a trackor course that is closed from non-participants.

A. "You" and "your" refer to the "namedinsured" shown on the Declarations and:

1. Spouse; orF. "Family member" means a person related

to you by blood, marriage, domesticpartnership under Nevada law, or adoptionwho resides primarily in your household.This includes a ward or foster child.

2. A domestic partner under Nevada law;

if a resident of the same household.Throughout this policy, when the word"spouse" is used, it also refers to adomestic partner under Nevada law. G. "Fungi" means any type or form of fungi,

including mold or mildew, and includes anymycotoxins, spores, scents, or byproductsproduced or released by fungi.

B. "We," "us," and "our" refer to theCompany providing this insurance.

H. "Miscellaneous vehicle" means thefollowing motorized vehicles: motor home;golf cart; snowmobile; all-terrain vehicle; ordune buggy.

C. "Auto business" means the business ofaltering, customizing, leasing, parking,repairing, road testing, delivering, selling,servicing, towing, repossessing or storingvehicles.

I. "Motorcycle" means a two- or three-wheeled motor vehicle that is subject tomotor vehicle licensing in the locationwhere the motorcycle is principallygaraged.

D. "Bodily injury" (referred to as BI).

1. "Bodily injury" means bodily harm,sickness, disease or death.

J. "Newly acquired vehicle."2. "Bodily injury" does not inlcude mental

injuries such as emotional distress,mental anguish, humiliation, mentaldistress, or any similar injury unless itarises out of physical injury to someperson.

1. "Newly acquired vehicle" means avehicle, not insured under anotherpolicy, that is acquired by you or anyfamily member during the policyperiod and is:

E. "Driving contest or challenge" includes,but is not limited to:

a. A private passenger auto, pickup,trailer, or van;

1. A competition against other people,vehicles, or time; or

5100NV(02) Rev. 10-14 of 26

b. A miscellaneous vehicle that is notused in any business or occupation;or

1. "Property damage" means physicalinjury to, destruction of, or loss of useof tangible property.

c. A motorcycle, but only if amotorcycle is shown on the currentDeclarations.

2. For purposes of this policy, electronicdata is not tangible property. Electronicdata means information, facts orprograms:

2. We will automatically provide for thenewly acquired vehicle the broadestcoverages as are provided for anyvehicle shown on the Declarations. Ifyour policy does not provideComprehensive Coverage or CollisionCoverage, we will automatically providethese coverages for the newlyacquired vehicle subject to a $500deductible for each loss.

a. Stored as or on;

b. Created or used on; or

c. Transmitted to or from;

computer software, including systemsand applications software, hard orfloppy disks, CD-ROMS, tapes, drives,cells, data processing devices or anyother media which are used withelectronically controlled equipment.

3. Any automatic provision of coverageunder J.2. will apply for up to 30 daysafter the date you or a family memberbecomes the owner of the newlyacquired vehicle. If you wish tocontinue coverage for the newlyacquired vehicle beyond this 30-dayperiod, you must request it during this30-day period, and we must agree toprovide the coverage you request forthis vehicle. If you request coverageafter this 30-day period, any coveragethat we agree to provide will beeffective at the date and time of yourrequest unless we agree to an earlierdate.

M. "Trailer" means a vehicle designed to bepulled by a private passenger auto, pickup,van, or miscellaneous vehicle. It alsomeans a farm wagon or implement whiletowed by such vehicles.

N. "Van" means a four-wheeled land motorvehicle of the van type with a load capacityof not more than 2,000 pounds.

O. "Your covered auto" means:

1. Any vehicle shown on the Declarations.

K. "Occupying" means in, on, getting into orout of. 2. Any newly acquired vehicle.

3. Any trailer you own.L. "Property damage" (referred to as PD).

PART A - LIABILITY COVERAGE

DEFINITIONS 3. Any other person or organization, butonly with respect to legal liabilityimposed on them for the acts oromissions of a person for whomcoverage is afforded in 1. or 2. above.With respect to an auto or trailer otherthan your covered auto, this provisiononly applies if the other person ororganization does not own or hire theauto or trailer.

"Covered person" as used in this Part means:

1. You or any family member for theownership, maintenance or use of anyauto or trailer.

2. Any person using your covered auto.

5100NV(02) Rev. 10-14 of 26

(PART A Cont'd.)

The following are not covered persons underPart A:

1. Covered persons;

2. Claims made;1. The United States of America or any of

its agencies.3. Vehicles or premiums shown on the

Declarations; or2. Any person with respect to BI or PD

resulting from the operation of an autoby that person as an employee of theUnited States Government. This appliesonly if the provisions of Section 2679of Title 28, United States Code asamended, require the Attorney Generalof the United States to defend thatperson in any civil action which may bebrought for the BI or PD.

4. Vehicles involved in the autoaccident.

However, if a policy provision that woulddefeat coverage for a claim under this partis declared to be unenforceable as aviolation of the state's financialresponsibility law, our limit of liabilitywill be the minimum required by theNevada Motor Vehicle Insurance andFinancial Responsibility Act.

INSURING AGREEMENT

We will pay compensatory damages for BI orPD for which any covered person becomeslegally liable because of an auto accident. Wewill settle or defend, as we considerappropriate, any claim or suit asking for thesedamages. Our duty to settle or defend endswhen our limit of liability for these coverageshas been paid or tendered. We have no duty todefend any suit or settle any claim for BI orPD not covered under this policy.

SUPPLEMENTARY PAYMENTS

In addition to our limit of liability, we will payon behalf of a covered person:

1. Premiums on appeal bonds and bonds torelease attachments in any suit wedefend. But we will not pay thepremium for bonds with a face valueover our limit of liability shown on theDeclarations.LIMIT OF LIABILITY

For BI sustained by any one person in anyone auto accident, our maximum limit ofliability for all resulting damages,including, but not limited to, all direct,derivative or consequential damagesrecoverable by any persons, is the limit ofliability shown on the Declarations for"each person" for BI Liability. Subject tothis limit for "each person," the limit ofliability shown on the Declarations for"each accident" for BI Liability is ourmaximum limit of liability for all damagesfor BI resulting from any one auto accident.The limit of liability shown on theDeclarations for "each accident" for PDLiability is our maximum limit of liabilityfor all damages to all property resultingfrom any one auto accident.

2. Prejudgment interest awarded againstthe covered person on that part of thejudgment we pay. If we make an offerto pay the applicable limit of liability, wewill not pay any prejudgment interestbased on that period of time after theoffer.

3. Interest accruing, in any suit we defend,on that part of a judgment that does notexceed our limit of liability. Our duty topay interest ends when we offer to paythat part of the judgment that does notexceed our limit of liability.

4. Up to $250 a day for loss of wagesbecause of attendance at hearings ortrials at our request.

These limits are the most we will payregardless of the number of:

5. The amount a covered person must payto the United States Government

5100NV(02) Rev. 10-14 of 26

(PART A Cont'd.)

because of damage to a government-owned private passenger auto, pickup,or van which occurs while the vehicle isin the care, custody, or control of acovered person. The most we will payis an amount equal to one month of thebasic salary of the covered person atthe time of a loss. Only Exclusions A.1.and A.8. apply.

6. While employed or otherwise engagedin the auto business. This exclusion(A.6.) does not apply to the ownership,maintenance, or use of your coveredauto by you, any family member, orany partner, agent, or employee of youor any family member.

7. Maintaining or using any vehicle whilethat person is employed or otherwiseengaged in any business or occupationother than the auto business, farming,or ranching. This exclusion (A.7.) doesnot apply:

6. Other reasonable expenses incurred atour request.

7. All defense costs we incur.

EXCLUSIONS a. To the maintenance or use of aprivate passenger auto, a pickup orvan owned by you or any familymember, or a trailer used withthese vehicles; or

We do not provide Liability Coverage forany covered person:

A.

1. Who intentionally acts or directs tocause BI or PD, or who acts or directsto cause with reasonable expectation ofcausing BI or PD.

b. To the maintenance or use of apickup or van not owned by you orany family member if the vehicle'sowner has valid and collectibleprimary liability insurance or self-insurance in force at the time of theaccident.

2. For PD to property owned or beingtransported by a covered person.

3. For PD to property rented to, used by,or in the care of any covered person.This exclusion (A.3.) does not apply todamage to a residence or garage.

8. Using a vehicle without expressed orimplied permission.

9. For BI or PD for which that person isan insured under any nuclear energyliability policy. This exclusion (A.9.)applies even if that policy is terminateddue to exhaustion of its limit of liability.

4. For BI to an employee of that personwhich occurs during the course ofemployment. This exclusion (A.4.) doesnot apply to a domestic employeeunless workers' compensation benefitsare required or available for thatdomestic employee.

10. For BI or PD occurring while yourcovered auto is rented or leased toothers, or shared as part of a personalvehicle sharing program.5. For that person's liability arising out of

the ownership or operation of a vehiclewhile it is being used to carry personsfor a fee. This exclusion (A.5.) does notapply to:

11. For punitive or exemplary damages.

12. For BI sustained as a result of exposureto fungi, wet or dry rot, or bacteria.

a. A share-the-expense car pool; orB. We do not provide Liability Coverage for

the ownership, maintenance, or use of:b. Your covered auto used forvolunteer work when reimbursementis limited to mileage expenses. 1. Any vehicle that is not your covered

auto unless that vehicle is:

5100NV(02) Rev. 10-14 of 26

(PART A Cont'd.)

a. A four- or six-wheel land motorvehicle designed for use on publicroads;

OTHER INSURANCE

If there is other applicable liabilityinsurance, we will pay only our share of theloss. Our share is the proportion that ourlimit of liability bears to the total of allapplicable limits. Any insurance we providewill be excess over any other applicableliability insurance or self-insurance incompliance with a state's financialresponsibility law or mandatory insurancelaw on the following vehicles:

b. A moving van for personal use;

c. A miscellaneous vehicle; or

d. A vehicle used in the business offarming or ranching.

2. Any vehicle, other than your coveredauto, that is owned by you, orfurnished or available for yourregular use. This exclusion (B.2.)does not apply to a vehicle notowned by you if the vehicle's ownerhas valid and collectible primaryliablity insurance or self-insurancein force at the time of the accident.

1. Your covered auto when it is beingoperated by a person engaged in anauto business while in pursuit ofthat business;

2. Any vehicle you do not own except:

a. A temporary substitute vehicleloaned to you by an auto businesswhile that business is repairingor servicing your covered auto.This applies only if a coveredperson is operating the vehicle;and is neither the person engagedin such business nor that person'semployee or agent.

3. Any vehicle, other than your coveredauto, that is owned by or furnishedor available for the regular use of,any family member. This exclusion(B.3.) does not apply:

a. To your maintenance or use ofsuch vehicles; or

b. A vehicle rented by you or afamily member:

b. To a vehicle not owned by anyfamily member if the vehicle'sowner has valid and collectibleprimary liability insurance orself-insurance in force at thetime of the accident.

(1) From an auto rental companywith qualified self-insuranceon the vehicle; and

Any vehicle while being operated in, orin practice for, any driving contest orchallenge.

(2) Under a rental contract inwhich the renter declinesoptional liability coveragefrom the rental company andagrees to provide primaryliability coverage from apersonal vehicle.

4.

.OUT OF STATE COVERAGE

If an auto accident to which this policy appliesoccurs in any state or province other than theone in which your covered auto is principallygaraged, your policy will provide at least theminimum amounts and types of liabilitycoverages required by law. However, no onewill be entitled to duplicate payments for thesame elements of loss.

5100NV(02) Rev. 10-14 of 26

PART B - MEDICAL PAYMENTS COVERAGE

DEFINITIONS 2. The total of gross salary, fees,commissions, profits from a businessand payments from an incomecontinuation or similar plan that thecovered person received during theperiod of total disability.

A. "Beneficiary" means (in order of priorityof payment):

1. The surviving spouse if a resident in thesame household as the deceased at thetime of the accident; or E. "Medical payment fee" is an amount, as

determined by us or someone on ourbehalf, that we will pay for charges madeby a licensed hospital, licensed physician,orother licensed medical provider formedically necessary and appropriatemedical services. The amount that we willpay will be one of the following:

2. If the deceased is an unmarried minor,either of the surviving parents who hadlegal custody at the time of theaccident; or

3. The estate of the deceased.

B. "Covered person" as used in this Partmeans:

1. The amount provided by an applicableagreement with a Preferred ProviderOrganization, Preferred ProviderNetwork, or other similar agreement; or1. You or any family member while

occupying any auto.2. The amount required, approved, or

allowed by a fee schedule establishedby a state, federal, or othergovernmental entity in the relevantgeographic area; or

2. Any other person while occupyingyour covered auto.

3. You or any family member while notoccupying a motor vehicle if injured by:

3. The amount negotiated with theprovider; orA motor vehicle designed for use

mainly on public roads;a.

4. The lesser of the following:

b. A miscellaneous vehicle; ora. The actual amount billed; or

c. A trailer.b. A reasonable fee for the service

provided.C. "Essential services" means thosehousehold services that a covered personwho is at least 18 years old would haveperformed without pay.

F. "Medically necessary and appropriatemedical services" are those services orsupplies provided or prescribed by alicensed hospital, licensed physician, orother licensed medical provider that, asdetermined by us or someone on ourbehalf, are required to identify or treat BIcaused by an auto accident and sustained bya covered person and that are:

D. "Income actually lost" means thedifference between:

1. The total of gross salary, fees,commissions, and profits from abusiness that a covered person wasearning at the time of the accident; and

5100NV(02) Rev. 10-14 of 26

(PART B Cont'd.)

1. Consistent with the symptoms,diagnosis, and treatment of the coveredperson's injury and appropriatelydocumented in the covered person'smedical records;

INSURING AGREEMENT

A. Medical Payments Coverage.

1. We will pay only the medical paymentfee for medically necessary andappropriate medical services and thereasonable expense for funeralservices. These fees and expensesmust:

2. Provided in accordance with recognizedstandards of care for the coveredperson's injury at the time the charge isincurred;

a. Result from BI sustained by acovered person in an auto accidentand identified within one year fromthe date of the auto accident; and

3. Consistent with published practiceguidelines and technology, andassessment standards of nationalorganizations or multi-disciplinarymedical groups;

b. Be incurred for services renderedwithin three years from the date ofthe auto accident.

4. Not primarily for the convenience of thecovered person, his or her physician,hospital, or other health care provider;

2. We or someone on our behalf willreview, by audit or otherwise, claimsfor benefits under this coverage todetermine if the charges are medicalpayment fees for medicallynecessary and appropriate medicalservices or reasonable expenses forfuneral services. A provider of medicalor funeral services may charge morethan the amount we determine to bemedical payment fees and reasonableexpenses, but such additional chargesare not covered.

5. The most appropriate supply or level ofservice that can be safely provided tothe covered person; and

6. Not excessive in terms of scope,duration, or intensity of care needed toprovide safe, adequate, and appropriatediagnosis and treatment.

However, "medically necessary andappropriate medical services" do notinclude the following:

1. Nutritional supplements or over-the-counter drugs;

3. We will not be liable for pending orsubsequent benefits if a coveredperson or assignee of MedicalPayments Coverage unreasonablyrefuses to submit to an examination asrequired in Part E - General Provisions,Duties After An Accident or Loss.

2. Experimental services or supplies, whichmeans services or supplies that wedetermine have not been accepted bythe majority of the relevant medicalspecialty as safe and effective fortreatment of the condition for which itsuse is proposed; or

B. Extended Benefits Coverage. We will paythe following benefits for BI caused by anauto accident and sustained by a coveredperson:3. Inpatient services or supplies provided

to the covered person when thesecould safely have been provided to thecovered person as an outpatient.

1. Wage Earner Disability Benefit of 85%of income actually lost by anemployed covered person during aperiod of total disability.

G. "Total disability" means disability whichcontinuously prevents the covered personfrom performing the substantial duties ofthat person's usual occupation.

5100NV(02) Rev. 10-14 of 26

(PART B Cont'd.)

2. Essential Services Disability Benefit forreasonable expenses incurred foressential services during the time thecovered person is actually unable toperform the services. This benefitapplies only if the services areperformed by a non-family member.

covered person injured in any oneaccident, subject to the followingconditions:

1. Payment of Wage Earner DisabilityBenefit to you or a family memberwill not exceed the amount shown onthe Declarations Page per 30-dayperiod.3. Death Benefit of $5,000 to the

beneficiary of a covered person whodies within one year from the dateof the auto accident as a direct resultof BI caused by that accident.

2. Payment of Wage Earner DisabilityBenefit to a covered person other thanyou or a family member will notexceed $1,000 per 30-day period.

LIMIT OF LIABILITY

3. Wage Earner Disability Benefit andEssential Services Disability Benefitbegin on or after the eighth day afterthe accident, but no later than one yearafter the accident. We will pay thesebenefits for no more than one year toany one covered person. Thesebenefits will not continue after thedeath of the covered person.

A. Medical Payments.

1. Our maximum limit of liability for youor any family member injured in anyone accident is the limit shown on theDeclarations for Medical PaymentsCoverage multiplied by the number ofpremiums shown for Medical PaymentsCoverage.

4. Any amounts otherwise payable asbenefits under Wage Earner DisabilityBenefit shall be reduced by:

2. The maximum limit of liability for acovered person other than you orany family member injured in anyone accident is the limit of liabilityshown on the Declarations forMedical Payments Coverage. This is the most we will pay regardless ofthe number of covered persons orbeneficiaries, claims made, vehiclesor premiums shown on theDeclarations, or vehicles involved inthe accident.

a. The amount of any similar benefitswhich are paid or payable under anyworkers' compensation law orpolicy, or under any disability orhealth and accident policy; and

b. The amount of any disability benefitsprovided by any governmentalagency.

EXCLUSIONS3. No one will be entitled to receiveduplicate payments for the sameelements of loss under this coverageand Part A or Part C of this policy.

We do not provide benefits under this Partfor any covered person for BI:

B. Extended Benefits Coverage. 1. Sustained while occupying any vehiclethat is not your covered auto unlessthat vehicle is:The limit of liability for Wage Earner

Disability Benefit and the limit ofliability for Essential ServicesDisability Benefit, as stated on theDeclarations, is the maximum limit ofliability for each coverage for each

a. A four- or six-wheel land motorvehicle designed for use on publicroads;

b. A moving van for personal use;

5100NV(02) Rev. 10-14 of 26

(PART B Cont'd.)

c. A miscellaneous vehicle; or 10. Sustained while occupying yourcovered auto while it is rented orleased to others, or shared as part of apersonal vehicle sharing program.

d. A vehicle used in the business offarming and ranching.

11. Sustained while a participant in, or inpractice for, any driving contest orchallenge.

2. Sustained while occupying yourcovered auto when it is being used tocarry persons for a fee. This exclusion(2.) does not apply to:

12. Sustained as a result of a coveredperson's exposure to fungi, wet or dryrot, or bacteria.

a. A share-the-expense car pool; or

b. Your covered auto used forvolunteer work when reimbursementis limited to mileage expenses.

OTHER INSURANCE

If there is other applicable auto medicalpayments insurance, we will pay only our shareof the loss. Our share is the proportion thatour limit of liability bears to the total of allapplicable limits. However, any insurance weprovide with respect to a vehicle you do notown shall be excess over any other collectibleauto insurance providing payments for medicalor funeral expenses.

3. Sustained while occupying any vehiclelocated for use as a residence.

4. Occurring during the course ofemployment if workers' compensationbenefits are required or available. Thisexclusion (4.) does not apply toExtended Benefits Coverage.

SPECIAL PROVISIONS5. Sustained while occupying, or when

struck by, any vehicle, other thanyour covered auto, that is owned byyou.

A. To establish Wage Earner DisabilityBenefits, any covered person making aclaim for income actually lost mustsubmit all income-related documents wemay reasonably require.

6. Sustained while occupying, or whenstruck by, any vehicle, other thanyour covered auto, that is owned byany family member. This exclusion(6.) does not apply to you.

Income will be computed using the monthlyrate being earned on the date of theaccident and will be paid monthly as lossaccrues. If not a salary or fixed amount, themonthly rate will be the average monthlyincome actually earned during the 12months preceding the accident, or duringthe period the covered person actuallywas employed if less than 12 months.

7. Sustained while occupying a vehiclewithout expressed or impliedpermission.

8. Sustained while occupying a vehiclewhen it is being used in the business oroccupation of a covered person. Thisexclusion (8.) does not apply to BIsustained while occupying a privatepassenger auto, a pickup or van, or atrailer used with these vehicles.

B. If your covered auto and every othermotor vehicle you own are within thepolicy territory referred to in Part E -General Provisions, then coverage underPart B - Medical Payments Coverage willapply to you and any family memberanywhere in the world.

9. Caused by or as a consequence of war,insurrection, revolution, nuclear reaction,or radioactive contamination.

5100NV(02) Rev. 10-14 of 26

PART C - UNINSURED MOTORISTS COVERAGE (referred to as UM Coverage)

UM Coverage includes underinsured motoristscoverage.

3. That is a hit-and-run motor vehicle.This means a motor vehicle whoseowner or operator cannot be identifiedand that hits:DEFINITIONS

A. "Covered person" as used in this Partmeans:

a. You or any family member;

b. A vehicle you or any familymember is occupying; or1. You or any family member.

c. Your covered auto.2. Any other person occupying yourcovered auto.

4. To which a liability bond or policyapplies at the time of the accident butthe bonding or insuring company deniescoverage or is or becomes insolvent.

3. Any person for damages that person isentitled to recover because of BI towhich this coverage applies sustained bya person described in 1. or 2. above.

C. "Uninsured motor vehicle" does notinclude any vehicle or equipment: However, "covered person" does not

include the United States of America or anyof its agencies. 1. Owned by or furnished or available for

the regular use of you or any familymember.B. "Uninsured motor vehicle" means a land

motor vehicle or trailer of any type:2. Operated on rails or crawler treads,

except for a snowmobile.1. To which no liability bond or policyapplies at the time of the accident.

3. Designed mainly for use off publicroads while not on public roads.2. That is an underinsured motor vehicle.

This means a motor vehicle or trailer ofany type: 4. While located for use as a residence or

premises.

a. To which a bodily injury liabilitybond or policy applies at the time ofthe accident but its limit for bodilyinjury liability is not enough to paythe full amount the covered personis legally entitled to recover asdamages;

INSURING AGREEMENT

A. We will pay compensatory damages which acovered person is legally entitled torecover from the owner or operator of anuninsured motor vehicle because of BIsustained by a covered person and causedby an auto accident.b. That is owned or operated by a

self-insurer under any applicablemotor vehicle law; or B. The owner's or operator's liability for these

damages must arise out of the ownership,maintenance or use of the uninsuredmotor vehicle. Any judgment for damagesarising out of a suit brought without ourwritten consent is not binding on us.

c. That is owned by any governmentalunit or agency.

5100NV(02) Rev. 10-14 of 26

(PART C Cont'd.)

LIMIT OF LIABILITY b. Private disability benefits orinsurance.

A. For BI sustained by any one person inany one accident, our maximum limit ofliability for all resulting damages,including, but not limited to, all direct,derivative, or consequential damagesrecoverable by any persons, is the limitof liability shown on the Declarationsfor UM Coverage for "each person".Subject to this limit for "each person",the limit of liability shown on theDeclarations for "each accident" for UMCoverage is our maximum limit ofliability for all damages for BI resultingfrom any one accident. These limits arethe most we will pay regardless of thenumber of:

EXCLUSIONS

A. We do not provide UM Coverage for BIsustained by any covered person if thatperson or the legal representative settlesthe BI claim without our consent.However, this exclusion (A.) does not applyto a settlement made with the insurer of anunderinsured motor vehicle, as described inDefinition B.2.

B. We do not provide UM Coverage for BIsustained by any covered person whileoccupying, or when struck by, any motorvehicle owned by you or any familymember which is not insured for UMCoverage under this policy. This includesa trailer of any type used with thatvehicle. However, this exclusionapplies only to the extent that the limitsof liability for this coverage exceed thelimits of liability required by theNevada Motor Vehicle Insurance andFinancial Responsibility Act.

1. Covered persons;

2. Claims made;

3. Vehicles or premiums shown on theDeclarations;

4. Premiums paid; or

5. Vehicles involved in the accident.C. We do not provide UM Coverage for BI

sustained by any covered person:B. Any amount otherwise payable for

damages under UM Coverage shall bereduced by:

1. While occupying your covered autowhen it is being used to carry personsfor a fee. This exclusion (C.1.) does notapply to:1. The greater of:

a. The amount paid because of the BIby or on behalf of persons ororganizations who may be legallyresponsible; or

a. A share-the-expense car pool; or


b. The persons' or organizations' BICoverage limits. 2. Using a vehicle without expressed or

implied permission.This includes all sums paid under Part A and Part C. 3. While your covered auto is rented or

leased to others, or shared as part of apersonal vehicle sharing program.2. Amounts paid or payable because of the

BI under any of the following:

4. While occupying any vehicle when it isbeing operated in, or in practice for,any driving contest or challenge.

a. Workers' compensation law,disability benefits law, or similar law;or

5100NV(02) Rev. 10-14 of 26

(PART C Cont'd.)

D. UM Coverage shall not apply directly orindirectly to the benefit of any insurer orself-insurer under any workers'compensation law or similar disabilitybenefits law.

of liability bears to the total of allapplicable limits of liability forcoverage provided on a primarybasis.

b. On an excess basis, we will pay onlyour share of the loss that must bepaid under insurance providingcoverage on a excess basis. Ourshare is the proportion that our limitof liability bears to the total of allapplicable limits of liability forcoverage provided on a excessbasis.

E. We do not provide UM Coverage forpunitive or exemplary damages.

OTHER INSURANCE

If there is other applicable insurance forUM Coverage available under one or morepolicies or provisions of coverage.

1. Any recovery for damages under allsuch policies or provisions ofcoverage may equal but not exceedthe highest applicable limit for anyone vehicle under any insuranceproviding coverage on either aprimary or excess basis.

NON-DUPLICATION

No covered person will be entitled to receiveduplicate payments under this coverage for thesame elements of loss which were:

1. Paid because of the BI by or on behalfof persons or organizations who maybe legally responsible.2. Any insurance we provide with respect

to a vehicle you do not own or to aperson other than you or any familymember will be excess over any othercollectible insurance.

2. Paid or payable under any:

a. Workers' compensation law orsimilar disability benefits law; or

3. If the coverage under this policy isprovided: b. Private disability benefits or

insurance.

a. On a primary basis, we will pay onlyour share of the loss that must bepaid under insurance providingcoverage on a primary basis. Ourshare is the proportion that our limit

3. Paid under another provision orcoverage in this policy.

4. Paid under any auto medical expensecoverage.

PART D - PHYSICAL DAMAGE COVERAGE

DEFINITIONS B. "Collision" means the impact with anobject and includes upset of a vehicle.Loss caused by the following is coveredunder Comprehensive Coverage and is notconsidered collision: fire; missiles orfalling objects; hail, water or flood;malicious mischief or vandalism; theft orlarceny; riot or civil commotion; explosionor earthquake; contact with bird or animal;windstorm; or breakage of window glass. If

A. "Actual cash value" means the amountthat it would cost, at the time of loss, tobuy a comparable vehicle. As applied toyour covered auto, a comparable vehicleis one of the same make, model, modelyear, body type, and options withsubstantially similar mileage and physicalcondition.

5100NV(02) Rev. 10-14 of 26

(PART D Cont'd.)

breakage of window glass is caused by acollision, you may elect to have itconsidered a loss caused by collision.

a. A pickup;

b. A van; or

C. "Custom equipment" means equipment,furnishings and parts permanently installedin or upon your covered auto, other than:

c. A miscellaneous vehicle.

F. "Repair."

1. Original manufacturer equipment,furnishings or parts;

1. "Repair" means restoring the damagedproperty to its pre-loss operationalsafety, function, and appearance. Thismay include the replacement ofcomponent parts.

2. Any replacement of originalmanufacturer equipment, furnishings orparts with other equipment, furnishingsor parts of like kind and quality; 2. Repair does not require:

3. Equipment, furnishings or partsdesigned to assist disabled persons;

a. A return to the pre-loss marketvalue of the property;

4. Anti-theft devices and devices intendedto monitor or record driving activity;and

b. Restoration, alteration, orreplacement of undamagedproperty, unless such is needed forthe operational safety of the vehicle;or5. Tires of a substantially similar size as

those installed by the manufacturer.

c. Rekeying of locks following theft ormisplacement of keys.D. "Loss" means direct and accidental damage

to the operational safety, function, orappearance of, or theft of, your coveredauto or personal property contained inyour covered auto. Loss includes a totalloss, but does not include any damage otherthan the cost to repair or replace. Lossdoes not include any loss of use, ordiminution in value that would remain afterrepair or replacement of the damaged orstolen property.

G. "Your covered auto" as used in this Partincludes:

1. Custom equipment, up to a maximumof $5,000, in or on your covered auto.

2. A nonowned vehicle. If there is a lossto a nonowned vehicle, we willprovide the broadest coverage shownon the Declarations.

E. "Nonowned vehicle."INSURING AGREEMENT

1. "Nonowned vehicle" means any privatepassenger auto, pickup, van,miscellaneous vehicle, or trailer notowned by, or furnished or available forthe regular use of, you or any familymember. This applies only when suchvehicle is in the custody of or beingoperated by you or any familymember.

A. Comprehensive Coverage (excludingcollision).

1. Physical damage. We will pay for losscaused by other than collision to yourcovered auto, including its equipment,and personal property contained in yourcovered auto, minus any applicabledeductible shown on the Declarations.The deductible will be waived for lossto window glass that can be repairedrather than replaced. In cases where

2. A nonowned vehicle does not includeany of the following vehicles used inany business or occupation other thanfarming or ranching:

5100NV(02) Rev. 10-14 of 26

(PART D Cont'd.)

the repair proves unsuccessful and thewindow glass must be replaced, the fullamount of the deductible, if any, mustbe paid.

b. The loss is covered underComprehensive Coverage or causedby collision, and the cause of lossis not otherwise excluded under PartD of this policy.

2. Transportation expenses. We will alsopay: 2. We will reimburse you only for that

period of time reasonably required torepair or replace your covered auto. Ifwe determine your covered auto is atotal loss, the rental period will end nolater than seven days after we havemade a settlement offer.

a. Up to $30 a day, to a maximum of$900, for transportation expensesincurred by you or any familymember. This applies only in theevent of a total theft of yourcovered auto. We will pay onlytransportation expenses incurredduring the period beginning 48hours after the theft and endingwhen your covered auto isreturned to use or, if not recoveredor not repairable, up to seven daysafter we have made a settlementoffer.

D. USAA Roadside Assistance. We will pay thereasonable costs you or any familymember incurs for one of the followingeach time your covered auto is disabled:

1. Mechanical labor up to one hour at theplace of breakdown.

2. Locksmith services to gain entry toyour covered auto. This does notinclude the rekeying of locks followingtheft or misplacement of keys.

b. If Rental Reimbursement Coverage isafforded, limits for transportationexpenses are the limits of liabilityshown on the Declarations forRental Reimbursement Coverage forthat vehicle.

3. Towing, to the nearest place wherenecessary repairs can be made duringregular business hours, if the vehiclewill not run or is stranded on orimmediately next to a public road.

B. Collision Coverage. We will pay for losscaused by collision to your covered auto,including its equipment, and personalproperty contained in your covered auto,minus any applicable deductible shown onthe Declarations.

4. Delivery of gas or oil to, or a changeof tire on a disabled vehicle. However,we do not pay for the cost of theseitems.

C. Rental Reimbursement Coverage (for lossother than total theft). LIMIT OF LIABILITY

1. We will reimburse you for expensesyou or any family member incurs torent a substitute for your coveredauto. This coverage applies only if:

A. Total loss to your covered auto. Our limitof liability under Comprehensive Coverageand Collision Coverage is the actual cashvalue of the vehicle, inclusive of anycustom equipment.

a. Your covered auto is withdrawnfrom use for more than 24 hoursdue to a loss, other than a totaltheft, to that auto; and

1. The maximum amount we will includefor loss to custom equipment in or onyour covered auto is $5,000.

5100NV(02) Rev. 10-14 of 26

(PART D Cont'd.)

2. We will declare your covered auto tobe a total loss if, in our judgment, thecost to repair it would be greater thanits actual cash value minus its salvagevalue after the loss.

2. We will not take a deduction fordepreciation.

D. Under Rental Reimbursement Coverage, ourmaximum limits of liability are the limits ofliability shown on the Declarations forRental Reimbursement Coverage for thatvehicle.

B. Other than a total loss to your coveredauto:

E. Under USAA Roadside Assistance, our limitof liability is the reasonable price for thecovered service.

1. Our limit of liability underComprehensive Coverage and CollisionCoverage is the amount necessary torepair the loss based on our estimateor an estimate that we approve, ifsubmitted by you or a third party. Uponrequest, we will identify at least onefacility that is willing and able tocomplete the repair for the amount ofthe estimate.

PAYMENT OF LOSS

We may pay for loss in money, or repair orreplace the damaged or stolen property. Wemay, at our expense, return any stolenproperty to you or to the address shown onthe Declarations. If we return stolen property,we will pay for any damage resulting from thetheft. We may keep all or part of the damagedor stolen property and pay you an agreed orappraised value for it. We cannot be requiredto assume the ownership of damaged property.We may settle a claim either with you or withthe owner of the property.

2. Our estimate may specify used, rebuilt,remanufactured, or non-OriginalEquipment Manufacturer (non-OEM)parts.

3. You may request that damaged parts bereplaced with new Original EquipmentManufacturer (OEM) parts. You will beresponsible, however, for any costdifference between the parts included inour estimate and the new OEM partsused in the repair.

LOSS PAYABLE CLAUSE

Loss or damage under this policy will be paid,as interest may appear, to the named insuredand the loss payee shown on the Declarations.This insurance, with respect to the interest ofthe loss payee, will not become invalid becauseof your fraudulent acts or omissions unless theloss results from your conversion, secretion,or embezzlement of your covered auto. Wemay cancel the policy as permitted by policyterms and the cancellation will terminate thisagreement as to the loss payee's interest. Wewill give the same advance notice ofcancellation to the loss payee as we give tothe named insured shown on the Declarations.We may send notices to the loss payee eitherby mail or by electronic means. However, if theloss payee requests in writing that we not sendnotices, including a notice of cancellation, wewill abide by that request. When we pay theloss payee we will, to the extent of payment,be subrogated to the loss payee's rights ofrecovery.

4. We will not take a deduction fordepreciation. We will take a deduction ifprior damage has not been repaired.Prior damage does not include wear andtear.

C. Personal property contained in yourcovered auto. The limits of liabilitydescribed below are separate from thelimits available for a loss to your coveredauto.

1. Our limit of liability underComprehensive Coverage and CollisionCoverage is the lesser of:

a. The amount necessary to replace thedamaged or stolen property; or

b. $250.

5100NV(02) Rev. 10-14 of 26

(PART D Cont'd.)

WAIVER OF COLLISION DEDUCTIBLE thereof, air conditioning, computer,suspension, braking, drive assembly,and steering) in which the initialmechanical or electrical breakdownor failure occurs.

We will not apply the deductible to loss causedby collision with another vehicle if all of theseconditions are met:

This exclusion (2.) does not apply ifthe damage results from the totaltheft of your covered auto, and itdoes not apply to USAA RoadsideAssistance.

1. The loss to your covered auto isgreater than the deductible amount; and

2. The owner and driver of the othervehicle are identified; and

3. Loss due to or as a consequence ofwar, insurrection, revolution, nuclearreaction, or radioactive contamination.

3. The owner and driver of the othervehicle has a liability policy covering theloss; and

4. The driver of your covered auto is notlegally responsible, in any way, forcausing or contributing to the loss.

4. Loss to a camper body or trailerowned by you or any family memberthat is not shown on the Declarations.This exclusion (4.) does not apply to oneyou or any family member acquiresduring the policy period and asks us toinsure within 30 days after you or anyfamily member becomes the owner.

EXCLUSIONS

We will not pay for:

1. Loss to your covered auto whichoccurs while it is used to carry personsfor a fee. This exclusion (1.) does notapply to:

5. Loss to any nonowned vehicle whenused by you or any family memberwithout a reasonable belief that you orthat family member is entitled to doso.a. A share-the-expense car pool; or


6. Loss to equipment designed or used toevade or avoid the enforcement ofmotor vehicle laws.

2. Damage due and confined to: 7. Loss to any nonowned vehicle arisingout of its use by you or any familymember while employed or otherwiseengaged in auto business operations.

a. Road damage to tires;

b. Wear and tear;

8. Loss to your covered auto while it isrented or leased to others, or shared aspart of a personal vehicle sharingprogram.

c. Freezing; or

d. Mechanical or electrical breakdownor failure, including such damageresulting from negligent servicing orrepair of your covered auto or itsequipment. We will pay for ensuingdamage only to the extent thedamage occurs outside of the majorcomponent (such as transmission/transaxle, electrical system, engineincluding cooling and lubrication

9. Loss to any vehicle while it is beingoperated in, or in practice for, anydriving contest or challenge.

10. Loss resulting from:

a. The acquisition of a stolen vehicle;

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(PART D Cont'd.)

b. Any legal or governmental action toreturn a vehicle to its legal owner;or

OTHER SOURCES OF RECOVERY

If other sources of recovery also cover theloss, we will pay only our share of the loss.Our share is the proportion that our limit ofliability bears to the total of all applicable limits.However, any insurance we provide withrespect to a nonowned vehicle will be excessover any other collectible source of recoveryincluding, but not limited to:

c. Any confiscation or seizure of avehicle by governmental authorities.

This exclusion (10.) does not apply toinnocent purchasers of stolen vehiclesfor value under circumstances thatwould not cause a reasonable person tobe suspicious of the sales transactionor the validity of the title.

1. Any coverage provided by the owner ofthe nonowned vehicle.

2. Any other applicable physical damageinsurance.

11. Loss resulting from use in any illicit orprohibited trade or transportation.

3. Any other source of recoveryapplicable to the loss.

12. Any loss arising out of any actcommitted:

This provision does not apply to USAARoadside Assistance.a. By or at the direction of you or any

family member; and

APPRAISALb. With the intent to cause a loss.

If we and you do not agree on the amount ofloss, either may demand an appraisal. In thisevent, each party will select a competentappraiser. The two appraisers will select anumpire. The appraisers will state separately theactual cash value and the amount of loss. Ifthey fail to agree, they will submit theirdifferences to the umpire. A decision agreed toby any two will be binding. Each party will payits chosen appraiser and share the expenses ofthe umpire equally. Neither we nor you waiveany rights under this policy by agreeing to anappraisal.

13. Loss caused by fungi, wet or dry rot,or bacteria. This means the presence,growth, proliferation, spread, or anyactivity of fungi, wet or dry rot, orbacteria. This exclusion (13.) does notapply to damage directly resulting froma loss covered under ComprehensiveCoverage or Collision Coverage.

NO BENEFIT TO BAILEE

This insurance shall not directly or indirectlybenefit any carrier or other bailee for hire.

PART E - GENERAL PROVISIONS

BANKRUPTCY determining if this information is correctand complete. You agree that if thisinformation changes, or is incorrect orincomplete, we may adjust your premiumsaccordingly during the policy period.

Bankruptcy or insolvency of the coveredperson, as defined in this policy, shall notrelieve us of any obligations under this policy.

CHANGES B. If, during the policy period, the riskexposure changes for any of the followingreasons, we will make the necessarypremium adjustments effective the date ofchange in exposure. Change in exposuremeans the occurrence of an event listed in

A. The premium is based on information wehave received from you and other sources.You agree to cooperate with us in

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(PART E Cont'd.)

B.1. through B.7. or in E. below, or a similarevent that may increase or decrease thepolicy premium. You agree to give usnotice of such exposure changes as soonas is reasonably possible. Changes that mayresult in a premium adjustment include, butare not limited to, the following:

agreements between you and us. Its termsmay not be changed or waived except byendorsement issued by us.

E. Deployment.

1. If, because of your active-dutydeployment in one of the militaryservices of the United States, you havereduced the coverage on your coveredauto and placed the vehicle in storage,then, upon your return from thedeployment, we will reinstate thecoverage that was on the vehicle priorto the deployment-caused reductionbeginning on the date the vehicle isremoved from storage.

1. Change in location where any vehicle isgaraged.

2. Change in description, equipment,purchase date, registration, cost, usage,miles driven annually, or operators ofany vehicle.

3. Replacement or addition of any vehicle.A replacement or additional vehicle is anewly acquired vehicle. 2. Any reinstatement of coverage under

E.1. will apply for up to 60 days afterthe date you returned from deployment.If you wish to continue the reinstatedcoverage beyond the 60-day period,you must request it during the 60-dayperiod. If you request reinstatedcoverage after this 60-day period, anycoverage we agree to provide will beeffective at the date and time of yourrequest unless we agree to an earlierdate.

4. Deletion of a vehicle. The named insuredmay request that a vehicle shown on theDeclarations be deleted from this policy.The effective date of this changecannot be earlier than the date of thenamed insured's request unless weagree to an earlier date.

5. Change in date of birth, marital status,driver's license information, or drivingrecord of any operator.

3. You must pay an additional premium, asset out in Part E, Changes, B.7., for thereinstated coverage. However, if youreturn from deployment on furlough oremergency leave for a period of 30days or less, we will waive any increasein the premium for the period of timeyou are on furlough or emergencyleave, provided that no claim forcoverage under this policy is made for aloss that occurs during that time period.If a loss occurs we will, as of the dateof the loss, reinstate the coverage thatwas on the vehicle prior to thedeployment-caused reduction, and youmust pay an additional premium for thatcoverage.

6. Addition or deletion of an operator.

7. Change, addition, or deletion of anycoverage or limits.

C. We will make any calculations oradjustments of your premium using theapplicable rules, rates, and forms as of theeffective date of the change.

D. If we make a change which broadenscoverage under this edition of our policywithout additional premium charge, thatchange will automatically apply to yourinsurance as of the date we implement thatchange in your location. This paragraphdoes not apply to changes implementedwith a revision that includes bothbroadenings and restrictions in coverage.Otherwise, this policy includes all of the

CONFORMITY TO LAW

If any of the terms of this policy conflict withstate or local law, state or local law will apply.

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(PART E Cont'd.)

DUTIES AFTER AN ACCIDENT OR LOSS 3. Permit us to inspect and appraise thedamaged property before its repair ordisposal.We will not be required to provide coverage

under this policy unless there has been fullcompliance with the following duties: LEGAL ACTION AGAINST US

A. We must be notified promptly of how,when, and where an accident or losshappened. Notice should also include thenames and addresses of any injuredpersons and of any witnesses.

A. No legal action may be brought against usuntil there has been full compliance with allthe terms of this policy. In addition, underPart A, no legal action may be broughtagainst us until we agree in writing that thecovered person, as defined in Part A, hasan obligation to pay, or the amount of thatobligation has been finally determined byjudgment after trial.

B. A person or entity seeking any coverage orpayment of any benefits except paymentunder Part A - Liability must:

B. No person or organization has any rightunder this policy to bring us into any actionto determine the liability of a coveredperson, as defined in this policy.

1. Cooperate with us in the investigation,settlement, or defense of any claim orsuit.

2. Promptly send us copies of any noticesor legal papers received in connectionwith a suit, accident, or loss.

C. Under Part C - Uninsured MotoristsCoverage, no action can be broughtagainst us for any claim involving anuninsured motor vehicle unless theaction is brought within:

3. Submit, as often as we reasonablyrequire:

a. To physical exams by physicians weselect. We will pay for these exams.

1. Two years from the date of theaccident; or

2. One year from the date that thecovered person is aware or shouldhave been aware of a claim forwhich coverage would apply:

b. To examination under oath. Theexamination must be signed.

4. Authorize us to obtain medical reportsand other pertinent records.

whichever is later.

5. Submit a proof of loss when requiredby us. D. Unless we agree otherwise, any legal action

against us must be brought in a court ofcompetent jurisdiction in the county andstate where the covered person lived atthe time of the accident.

6. Promptly notify the police if a hit-and-run driver is involved.

C. A person seeking coverage under Part D -Physical Damage Coverage must also: MISREPRESENTATION

1. Take reasonable steps after loss toprotect your covered auto and itsequipment from further loss. We willpay reasonable expenses incurred to dothis.

We do not provide any coverage under thispolicy to any person who has knowinglyconcealed or misrepresented any material factor circumstance relating to this insurance:

1. At the time application was made; or2. Promptly notify the police if your

covered auto is stolen. 2. At any time during the policy period; or

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(PART E Cont'd.)

3. In connection with the presentation orsettlement of a claim.

amounts recovered or recoverable by usfrom any other insurer under anyinter-insurer arbitration agreement.

NON-DUPLICATION OF PAYMENTD. If we make payment for a claim under Part

A, and the covered person, as defined inPart A:

When a claim, or part of a claim, is payableunder more than one provision of this policy,we will pay the claim only once under thispolicy. 1. Knowingly concealed or misrepresented

any material fact or circumstancerelating to this insurance; orOUR RIGHT TO RECOVER PAYMENT

2. Failed or refused to comply with theduties specified in this policy andprejudiced our defense of the liabilityclaim by such failure or refusal;

Our rights under Our Right to Recover Paymentdo not apply to Part B.

A. If we make a payment under this policy andthe person to or for whom payment wasmade has a right to recover damages fromanother, we will be subrogated to that right.The person to or for whom payment wasmade shall do whatever is necessary toenable us to exercise our rights, and shalldo nothing after loss to prejudice them.However, our rights in this paragraph donot apply:

then, the covered person shall reimburseus to the extent of our payment and costof defense.

E. If we make payment for a claim under Part D and you or any family member hasknowingly concealed or misrepresented anymaterial fact or circumstance relating to thisinsurance, then you shall reimburse us tothe extent of our payment.1. To an underinsured motor vehicle as

described in Definition B.2. under Part C.This (A.1.) applies only to the amountthat person is entitled to recover inexcess of the BI Liability limit applicableto the underinsured motor vehicle.

OWNERSHIP

For purposes of this policy, a vehicle isdeemed to be owned by a person if leasedunder a written agreement to that person for acontinuous period of at least six months.2. Under Part D, against any person using

your covered auto with a reasonablebelief that that person is entitled to doso.

POLICY PERIOD AND TERRITORY

A. This policy applies only to accidents andlosses which occur during the policy periodas shown on the Declarations and within thepolicy territory. The policy territory is theUnited States of America (USA), itsterritories and possessions, Puerto Rico,and Canada, including transportation ofyour covered auto between any ports ofthese locations.

B. If we make a payment under this policy andthe person to or for whom payment wasmade recovers damages from another, theperson to or for whom payment was madeshall hold in trust for us the proceeds ofthe recovery and reimburse us to theextent of our payment.

C. If the covered person, as defined in thispolicy, recovers from the party at fault andwe share in the recovery, we will pay ourshare of the legal expenses. Our share isthat percent of the legal expenses that theamount we recover bears to the totalrecovery. This does not apply to any

B. The policy territory also includes Mexico,subject to the following conditions:

1. All coverages afforded by the policyare extended to include coverage duringtrips into Mexico. This applies only to

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(PART E Cont'd.)

loss or accident that occurs within 75miles of the USA border.

SPOUSE ACCESS

A. The named insured and we agree that thenamed insured and resident spouse are"customers" for purposes of state andfederal privacy laws. The resident spousewill have access to the same informationavailable to the named insured and mayinititate the same transactions as the namedinsured.

2. Any liability coverage afforded by thepolicy is extended to include theremainder of Mexico, but only if youhave valid and collectible liabilitycoverages from a licensed Mexicaninsurance company at the time of loss.This Paragraph (B.2.) applies only if theoriginal liability suit for BI or PD isbrought in the USA. B. The named insured may notify us that

he/she no longer agrees that the residentspouse shall be treated as a "customer" forpurposes of state and federal privacy laws,and we will not permit the resident spouseto access policy information.

3. Coverage under this policy does notextend:

a. To any covered person, as definedin this policy, who does not live inthe USA. TERMINATION

A. Cancellation. This policy may be cancelledduring the policy period as follows:

b. To any covered person, as definedin this policy, occupying a vehiclewhich is not principally garaged andused in the USA. 1. You may cancel this policy at any time,

but the effective date of cancellationcannot be earlier than the date of therequest unless we agree to an earlierdate.

c. To any vehicle which is notprincipally garaged and used in theUSA.

2. We may cancel this policy by sendingnotice to the named insured shown onthe Declarations. This cancellation noticemay be delivered to the named insured,mailed by postal mail to the most recentaddress you provided to us or sentelectronically if we have your consentand agreement on file to receivedocuments electronically. In any event,we will give:

4. The words "state or province" as usedin the Out of State Coverage provisionin Part A of the policy do not include a"state or province" of Mexico.

5. Losses payable under Part D of thepolicy will be paid in the USA. If thevehicle must be repaired in Mexico, ourlimit of liability will be determined at thenearest point in the USA where repairscan be made. a. At least ten days notice:

(1) If cancellation is for nonpaymentof premium; or

6. Any insurance we provide will beexcess over any other similar valid andcollectible insurance.

(2) If notice is sent during the first70 days this policy is in effectand this is not a renewal policy;or

REDUCING THE RISK OF LOSS

We may occasionally provide you withproducts or services that assist you inpreventing or reducing the risk of loss, andmay provide an incentive for your use of theseitems.

b. At least 30 days notice in all othercases.

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(PART E Cont'd.)

3. After this policy is in effect for 70days, or if this is a renewal policy, wewill cancel only:

most recent address you provided to us orsent electronically if we have your consentand agreement on file to receive documentselectronically. In an event, notice will besent at least 30 days before the end of thepolicy period.

a. If you fail to pay a premium whendue; or

C. Automatic Termination.b. If you or any family member isconvicted of a crime arising out ofacts increasing the hazard insuredagainst; or

1. If we offer to renew and you or yourrepresentative do not accept, this policywill automatically terminate at the end ofthe current policy period. Failure to paythe required renewal premium when duewill mean that you have not acceptedour offer.

c. If we discover:

(1) Fraud or materialmisrepresentation in obtainingthis policy or in the presentationof a claim under this policy; or 2. If you obtain other insurance on your

covered auto, any similar insuranceprovided by this policy will terminate asto that auto on the effective date of theother insurance. This does not apply toliability coverage purchased for travel inMexico.

(2) An act or omission, or a violationof any condition of this policy,which occurred after the firsteffective date of the policy andsubstantially and materiallyincreases the hazard insuredagainst; or

D. Other Termination Provisions.

d. For a material change in the natureor extent of the risk, occurring afterthe first effective date of thispolicy, which causes the risk of lossto be substantially and materiallyincreased beyond that contemplatedat the time the policy was issued orlast renewed; or

1. Proof of mailing or electronictransmission of any notice will besufficient proof of notice.

2. If this policy is cancelled, the namedinsured shown on the Declarations maybe entitled to a premium refund. Thepremium refund, if any, will becomputed according to our manuals.However, making or offering to makethe refund is not a condition ofcancellation.

e. If the commissioner determines thatcontinuation at our present volumeof premiums would jeopardize oursolvency or be hazardous to theinterests of our policyholders, ourcreditors or the public; or 3. The effective date of cancellation stated

in the notice will become the end of thepolicy period.f. If the commissioner determines that

continuation of the policy wouldviolate, or place us in violation of,any provision of the code.

TRANSFER OF YOUR INTEREST IN THISPOLICY

Your rights and duties under this policy maynot be assigned without our written consent.However, if the named insured shown on theDeclarations dies, we will provide coverageuntil the end of the policy period for:

B. Nonrenewal. If we decide not to renew thispolicy, we will send notice to the namedinsured shown on the Declarations. Thisnotice may be delivered to the namedinsured, mailed to you by postal mail to the

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(PART E Cont'd.)

1. The surviving spouse if resident in thesame household at the time of death.Coverage applies to the spouse as if thenamed insured shown on theDeclarations; and

TWO OR MORE AUTO POLICIES

If this policy and any other auto insurancepolicy we issued to you apply to the sameaccident, the maximum limit of ourliability under all the policies will notexceed the highest applicable limit ofliability under any one policy. Thisprovision does not apply to Parts B and C.

2. The legal representative of thedeceased person as if the namedinsured shown on the Declarations. Thisapplies only with respect to therepresentative's legal responsibility tomaintain or use your covered auto.

Copyright, USAA, 2011. All rights reserved.Includes copyrighted material of Insurance Services Office, used with permission.

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