Slate Farms Ins.

State Farm®
Personal Car
Policy
Booklet
Illinois
Policy Form 9813C
TABLE OF CONTENTS
THIS POLICY ................................................................. 1 Insuring Agreement .................................................. 17
DEFINITIONS ................................................................. 1 Consent to Settlement .............................................. 17
Settlement of Loss for Property Damage ................. 17
LIABILITY COVERAGE ................................................. 3
Deciding Fault and Amount ...................................... 18
Additional Definition.................................................... 3 Limit .......................................................................... 19
Insuring Agreement .................................................... 4 Nonduplication.......................................................... 19
Supplementary Payments .......................................... 4 Exclusions ................................................................ 19
Limit ............................................................................ 5 If Other Uninsured Motor Vehicle Coverage –
Nonduplication............................................................ 5 Property Damage or If Other Property Damage
Exclusions .................................................................. 5 Coverage Applies ..................................................... 20
If Other Liability Coverage Applies ............................. 6 Our Payment Options ............................................... 20
MEDICAL PAYMENTS COVERAGE .............................. 8 UNDERINSURED MOTOR VEHICLE COVERAGE ..... 20
Additional Definitions .................................................. 8 Additional Definitions ................................................ 20
Insuring Agreement .................................................... 8 Insuring Agreement .................................................. 21
Determining Medical Expenses .................................. 9 Consent to Settlement .............................................. 21
Arbitration ................................................................... 9 Deciding Fault and Amount ...................................... 21
Limit ............................................................................ 9 Limit .......................................................................... 22
Nonduplication.......................................................... 10 Nonduplication.......................................................... 23
Exclusions ................................................................ 10 Exclusions ................................................................ 23
If Other Medical Payments Coverage or If Other Underinsured Motor Vehicle Coverage
Applies ...................................................................... 24
Similar Vehicle Insurance Applies ............................ 11
Our Payment Options ............................................... 25
Our Payment Options ............................................... 12
PHYSICAL DAMAGE COVERAGES ....................... 25
UNINSURED MOTOR VEHICLE COVERAGE –
BODILY INJURY ........................................................... 12 Deductible ................................................................ 25
Additional Definitions ................................................ 12 Additional Definitions ................................................ 26
Insuring Agreements ................................................ 27
Insuring Agreement .................................................. 13
Supplementary Pet Injury Coverage ........................ 29
Consent to Settlement .............................................. 13
Supplementary Payments – Comprehensive
Deciding Fault and Amount ...................................... 13
Coverage and Collision Coverage ............................ 29
Limit .......................................................................... 14 Limit and Loss Settlement – Comprehensive
Nonduplication.......................................................... 14 Coverage and Collision Coverage .............................. 29
Exclusions ................................................................ 15 Limit – Car Rental and Travel Expenses
If Other Uninsured Motor Vehicle Coverage Coverage .................................................................. 31
Applies ...................................................................... 15 Nonduplication.......................................................... 31
Our Payment Options ............................................... 16 Exclusions ................................................................ 31
UNINSURED MOTOR VEHICLE COVERAGE – If Other Physical Damage Coverage or Similar
PROPERTY DAMAGE ................................................. 17 Coverage Applies ...................................................... 33
Deductible ................................................................ 17 Financed Vehicle ...................................................... 33
Additional Definitions ................................................ 17 Our Payment Options .............................................. 34
9813C
©, Copyright, State Farm Mutual Automobile Insurance Company, 2022
DEATH, DISMEMBERMENT AND LOSS OF Other Duties Under Medical Payments Coverage,
SIGHT COVERAGE AND LOSS OF EARNINGS Uninsured Motor Vehicle Coverage – Bodily Injury,
COVERAGE ................................................................. 34 Underinsured Motor Vehicle Coverage, Death,
Dismemberment and Loss of Sight Coverage,
DEATH, DISMEMBERMENT AND LOSS OF or Loss of Earnings Coverage .................................. 38
SIGHT COVERAGE ................................................. 34
GENERAL TERMS ....................................................... 39
Additional Definitions ........................................... 34
When Coverage Applies........................................... 39
Insuring Agreement ............................................. 34
Where Coverage Applies ......................................... 39
Benefit ................................................................. 34
Required Out-of-State Coverage.............................. 39
LOSS OF EARNINGS COVERAGE......................... 35
Financial Responsibility Certification ........................ 39
Additional Definitions ........................................... 35
Limited Coverage in Mexico ..................................... 39
Insuring Agreement ............................................. 35
Newly Owned or Newly Leased Car ......................... 40
Limit ..................................................................... 35
Changes to This Policy ............................................. 41
Exclusions – Death, Dismemberment and Loss of
Premium ................................................................... 41
Sight Coverage and Loss of Earnings Coverage ..... 36
Renewal ................................................................... 42
Our Payment Options – Death, Dismemberment
and Loss of Sight Coverage and Loss of Earnings Nonrenewal .............................................................. 42
Coverage .................................................................. 36 Cancellation.............................................................. 42
INSURED’S DUTIES .................................................... 37 Assignment............................................................... 43
Bankruptcy or Insolvency of the Insured .................. 43
Notice to Us of an Accident or Loss ......................... 37
Concealment or Fraud.............................................. 44
Notice to Us of a Claim or Lawsuit ........................... 37
Our Right to Recover Our Payments........................ 44
Insured’s Duty to Cooperate With Us ....................... 37
Legal Action Against Us ........................................... 44
Questioning Under Oath........................................... 37
Choice of Law........................................................... 45
Other Duties Under the Physical Damage
Coverages and Uninsured Motor Vehicle Coverage Severability ............................................................... 45
– Property Damage .................................................. 37 Our Rights Regarding Claim Information ................. 45
9813C
THIS POLICY
1. This policy consists of: (2) Your cars are used for pleasure and busi-
ness.
a. the most recently issued Declarations;
b. the policy booklet version shown on that Decla- 4. All named insureds shown on the Declarations and
all applicants agree by acceptance of this policy
rations; and
that:
c. any applicable endorsements shown on that
Declarations. a. the statements in 3.b. above are made by such
named insured or applicant and are true; and
2. This policy contains all of the agreements between all
named insureds who are shown on the Declarations b. we provide this insurance on the basis those
and all applicants and: statements are true.
a. us; and 5. Your purchase of this policy may allow:
b. any of our agents. a. you to purchase or obtain certain coverages,
coverage options, coverage deductibles, cover-
3. We agree to provide insurance according to the terms age limits, or coverage terms on other products
of this policy: from the State Farm Companies, subject to
a. based on payment of premium for the coverages their applicable eligibility rules; or
chosen; and b. the premium or price for other products or ser-
b. unless otherwise stated on the Declarations, in vices purchased by you, including non-insur-
reliance on the following statements: ance products or services, to vary. Such other
products or services must be provided by the
(1) Neither you nor any member of your State Farm Companies or by an organization
household has, within the past three years, that has entered into an agreement or contract
had either: with the State Farm Companies. The State
(a) a license to drive; or Farm Companies do not warrant the mer-
chantability, fitness, or quality of any product or
(b) a vehicle registration service offered or provided by that organiza-
suspended, revoked, or refused. tion.
DEFINITIONS
We define certain words and phrases below for use Car means a land motor vehicle with four or more wheels,
throughout the policy. Each coverage includes additional designed for use primarily on public roads. Car does not
definitions only for use with that coverage. These defini- include:
tions apply to the singular, plural, possessive, and any 1. Any vehicle while located for use as a dwelling or
other form of these words and phrases. Defined words other premises; or
and phrases are printed in boldface italics.
2. A truck-tractor designed to pull any type of trailer.
The words “spouse”, “marriage”, “married”, and “marital”
refer to the legal civil union between two persons that is Car Business means a business or job where the purpose
recognized by and valid under the law of the state into is to sell, lease, rent, repair, service, modify, transport,
which such union was entered. store, or park land motor vehicles or any type of trailer.
Bodily Injury means bodily injury to a person and sick- Fungi means any type or form of fungus or fungi and in-
ness, disease, or death that results from it. cludes:
1 9813C
1. Mold; a. you;
2. Mildew; and b. any resident relative;
3. Any of the following that are produced or released by c. any other person who resides primarily in your
fungi: household; or
a. Mycotoxins; d. an employer of any person described in a., b.,
b. Spores; or c. above; nor
2. has been operated by, rented by, or in the possession
c. Scents; or
of:
d. Byproducts.
a. you; or
Newly Acquired Car means a car newly owned by you
b. any resident relative
or a resident relative. A car ceases to be a newly ac-
quired car on the earlier of: during any part of each of the 31 or more consecutive
days immediately prior to the date of the accident or
1. the effective date and time when that car is added to loss.
the “VEHICLE SCHEDULE” of this policy;
Occupying means in, on, entering, or exiting.
2. the effective date and time of a policy, including any
binder, issued by us or any other company that de- Our means the Company issuing this policy as shown on
scribes the car as an insured vehicle; or the Declarations.
3. the end of the 30th calendar day immediately follow- Owned By means:
ing the date the car is delivered to you or a resident 1. owned by;
relative.
2. registered to; or
If this policy does not provide Comprehensive Coverage
or Collision Coverage for any vehicle shown in the “VEHI- 3. leased, if the lease is written for a period of 31 or more
CLE SCHEDULE” on the Declarations and a newly ac- consecutive days, to.
quired car is not otherwise afforded comprehensive Pedestrian means a person who is not occupying:
coverage or collision coverage by any other policy, then:
1. a motorized vehicle; or
1. this policy will provide Comprehensive Coverage or
2. a vehicle designed to be pulled by a motorized vehi-
Collision Coverage for that newly acquired car and cle.
a temporary substitute car replacing that newly ac-
quired car; and Person means a human being.
2. the Definition Covered Vehicle found in Physical Private Passenger Car means:
Damage Coverages is changed to read: 1. a car of the private passenger type, other than a
Covered Vehicle means: pickup truck, van, minivan, or sport utility vehicle, de-
signed primarily to carry persons and their luggage;
1. a newly acquired car; and or
2. a temporary substitute car that is tempo- 2. a pickup truck, van, minivan, or sport utility vehicle:
rarily replacing a newly acquired car.
a. while not used for:
A covered vehicle also includes the parts and
equipment that are common to the use of the ve- (1) wholesale; or
hicle as a vehicle. (2) retail
Non-Owned Car means a car that is in the lawful posses- pick up or delivery; and
sion of you or any resident relative and that neither:
b. that has a Gross Vehicle Weight Rating of
1. is owned by: 10,000 pounds or less.
2 9813C
Resident Relative means a person, other than you, who 2. neither you nor the person operating it own or have
resides primarily with the first person shown as a named registered.
insured on the Declarations and who is: If a car qualifies as both a non-owned car and a tempo-
1. related to you by blood, marriage, or adoption, includ- rary substitute car, then coverage will apply as if the car
ing your unmarried and unemancipated child who is were either.
away at school and otherwise maintains their primary Trailer means:
residence with the first person shown as a named
1. a trailer:
insured on the Declarations; or
a. designed to be pulled by a private passenger
2. a ward or a foster child of you or a person described car;
in 1. above.
b. not designed to carry persons; and
State Farm Companies means one or more of the follow-
ing: c. while not used as premises for office, store, or
display purposes; or
1. State Farm Mutual Automobile Insurance Company;
2. a farm implement or farm wagon while being pulled
2. State Farm Fire and Casualty Company; and on public roads by a car.
3. Subsidiaries or affiliates of either 1. or 2. above. Us means the Company issuing this policy as shown on
Temporary Substitute Car means a car that is in the law- the Declarations.
ful possession of the person operating it and that: We means the Company issuing this policy as shown on
the Declarations.
1. replaces a your car or a newly acquired car for a
short time while that car is out of use due to its: You or Your means the named insured or named insureds
shown on the Declarations. If a named insured shown on
a. breakdown; the Declarations is a person, then “you” or “your” includes
b. repair; the spouse of the first person shown as a named insured
if the spouse resides primarily with that named insured.
c. servicing;
Your Car means the car or cars shown in the “VEHICLE
d. damage; or
SCHEDULE” on the Declarations. Your Car does not in-
e. theft; and clude a car that you no longer own or lease.
LIABILITY COVERAGE
This policy provides Liability Coverage if a premium is b. the maintenance or use of:
shown under “Coverage Symbol A” in the “POLICY PRE- (1) a non-owned car; or
MIUM” schedules on the Declarations.
(2) a temporary substitute car;
Additional Definition
2. you for the maintenance or use of a car owned by,
Insured means:
or furnished by an employer to, a person who resides
1. you and resident relatives for: primarily in the household of the first person shown as
a named insured on the Declarations. That car cannot
a. the ownership, maintenance, or use of:
be owned by you or furnished by your employer;
(1) a your car; 3. any other person for their use of:
(2) a newly acquired car; or a. a your car;
(3) a trailer; and b. a newly acquired car;
3 9813C
c. a temporary substitute car; or in court or pay the amount due under the Insuring
Agreement of this policy’s Liability Coverage;
d. a trailer while attached to a car described in a.,
b., or c. above. 2. Court costs awarded by the court against an insured
Such vehicle must be used with your express or im- and resulting from that part of the lawsuit:
plied permission; and a. that seeks damages payable under this policy’s
4. any other person or organization vicariously liable for Liability Coverage; and
the use of a vehicle by an insured as defined in 1., b. against which we defend an insured with attor-
2., or 3. above, but only for such vicarious liability. neys chosen by us.
This provision applies only if the vehicle is:
We have no duty to pay court costs incurred after we
a. neither owned by, nor hired by, that other per- deposit in court or pay the amount due under the In-
son or organization, unless the vehicle is a your suring Agreement of this policy’s Liability Coverage;
car or a newly acquired car; and
3. Interest the insured is legally liable to pay on dam-
b. neither available for, nor being used for, carrying ages payable under the Insuring Agreement of this
persons for a charge. policy’s Liability Coverage:
Insured does not include the United States of America or a. before a judgment, but only the interest on the
any of the Federal Government’s departments or agen- lesser of:
cies.
(1) that part of the damages we pay; or
Insuring Agreement
1. We will pay damages an insured becomes legally li- (2) this policy’s applicable Liability Coverage
able to pay because of: limit; and
a. bodily injury to others; and b. after a judgment.
b. damage to property We have no duty to pay interest that accrues after we
deposit in court, pay, or offer to pay, the amount due
caused by an accident that involves a vehicle for
under the Insuring Agreement of this policy’s Liabil-
which that insured is provided Liability Coverage by
this policy. ity Coverage. We also have no duty to pay interest
that accrues on any damages paid or payable by a
2. We have the right to: party other than the insured or us;
a. investigate, negotiate, and settle any claim or 4. Premiums for bonds, provided by a company chosen
lawsuit;
by us, required to appeal a decision in a lawsuit
b. defend an insured in any claim or lawsuit, with against an insured. We have no duty to:
attorneys chosen by us; and
a. pay for any bond with a face amount that ex-
c. appeal any award or legal decision ceeds this policy’s applicable Liability Coverage
for damages payable under this policy’s Liability Cov- limit;
erage. b. furnish or apply for any bonds; or
Supplementary Payments c. pay premiums for bonds purchased after we de-
We will pay, in addition to the damages described in the posit in court, pay, or offer to pay, the amount
Insuring Agreement of this policy’s Liability Coverage, due under the Insuring Agreement of this pol-
those items listed below that result from such accident: icy’s Liability Coverage; and
1. Attorney fees for attorneys chosen by us to defend 5. The following costs and expenses if related to and in-
an insured who is sued for such damages. We have curred after a lawsuit has been filed against an in-
no duty to pay attorney fees incurred after we deposit sured:
4 9813C
a. Loss of wages or salary, but not other income, Nonduplication
up to $250 for each day an insured attends, at
We will not pay any damages or expenses under Liability
our request: Coverage:
(1) an arbitration;
1. that have already been paid as expenses under Med-
(2) a mediation; or ical Payments Coverage of any policy issued by the
State Farm Companies to you or any resident rel-
(3) a trial of a lawsuit; and
ative; or
b. Reasonable expenses incurred by an insured at
2. that have already been paid under Uninsured Motor
our request other than loss of wages, salary, or
other income. Vehicle Coverage or Underinsured Motor Vehicle
Coverage of any policy issued by the State Farm
The amount of any of the costs or expenses listed Companies to you or any resident relative.
above that are incurred by an insured must be re-
ported to us before we will pay such incurred costs Exclusions
or expenses. THERE IS NO COVERAGE FOR AN INSURED:
Limit 1. WHO INTENTIONALLY CAUSES BODILY INJURY
The Liability Coverage limit is shown in the “COVERAGES OR DAMAGE TO PROPERTY;
AND LIMITS” schedule on the Declarations. 2. OR FOR THAT INSURED’S INSURER FOR ANY
1. The limit for bodily injury is shown under “Bodily In- OBLIGATION UNDER ANY TYPE OF WORKERS’
jury Limit – Each Person, Each Accident.” COMPENSATION, PENSION CODE, MUNICIPAL
ORDINANCE, LABOR UNION FUND, DISABILITY,
a. The dollar amount shown under “Each Person”
OR SIMILAR LAW;
is the most we will pay for all damages resulting
from bodily injury to any one person injured in 3. FOR BODILY INJURY TO THAT INSURED’S EM-
any one accident, including all damages sus- PLOYEE WHICH ARISES OUT OF THAT EM-
tained by other persons as a result of that bod- PLOYEE’S EMPLOYMENT. This exclusion does not
ily injury. apply to that insured’s household employee who is
b. The dollar amount shown under “Each Accident” neither covered, nor required to be covered, under
workers’ compensation insurance;
is the most we will pay, subject to the limit for
“Each Person”, for all damages resulting from 4. FOR DAMAGES ARISING OUT OF THE OWNER-
bodily injury to two or more persons injured in SHIP, MAINTENANCE, OR USE OF A VEHICLE
any one accident. WHILE IT IS RENTED TO OR LEASED TO OTHERS
2. The limit for damage to property is shown under BY AN INSURED, INCLUDING PERSONAL VEHI-
“Property Damage Limit – Each Accident”. The dollar CLE SHARING, PEER-TO-PEER CAR SHARING,
amount shown is the most we will pay for all damages OR OTHER SIMILAR PROGRAM;
resulting from damage to property in any one acci-
dent. 5. FOR DAMAGES ARISING OUT OF THE OWNER-
SHIP, MAINTENANCE, OR USE OF A VEHICLE
3. The limit shown for Liability Coverage is the most we WHILE IT IS:
will pay regardless of the number of:
a. MADE AVAILABLE; OR
a. insureds;
b. BEING USED
b. claims made;
TO CARRY PERSONS FOR A CHARGE. This exclu-
c. vehicles insured; sion does not apply to:
d. premiums shown on the Declarations; or
a. the use of a private passenger car on a share-
e. vehicles involved in the accident. the-expense basis; or
5 9813C
b. you or a resident relative occupying a non- 10. FOR LIABILITY ASSUMED UNDER ANY CON-
owned car as a passenger; TRACT OR AGREEMENT;
6. WHILE MAINTAINING OR USING A VEHICLE IN 11. FOR ANY ORDER OF RESTITUTION ISSUED BY A
CONNECTION WITH THAT INSURED’S EMPLOY- COURT IN A CRIMINAL PROCEEDING OR EQUI-
TABLE ACTION;
MENT IN OR ENGAGEMENT OF ANY KIND IN A
CAR BUSINESS. This exclusion does not apply 12. WHILE USING A TRAILER WITH A MOTOR VEHI-
while maintaining or using: CLE IF THAT INSURED IS NOT PROVIDED LIABIL-
ITY COVERAGE BY THIS POLICY FOR THE USE
a. a your car; OF THAT MOTOR VEHICLE;
b. a newly acquired car; 13. FOR THE OWNERSHIP, MAINTENANCE, OR USE
OF ANY VEHICLE WHILE IT IS:
c. a temporary substitute car; or
a. OFF PUBLIC ROADS AND BEING PREPARED
d. a trailer owned by you; FOR, USED IN PRACTICE FOR, OR OPERATED
7. WHILE THAT INSURED IS VALET PARKING A VE- IN ANY PREARRANGED OR ORGANIZED RAC-
ING CONTEST, SPEED CONTEST, HILL-CLIMB-
HICLE;
ING CONTEST, JUMPING CONTEST, OR ANY
8. WHILE MAINTAINING OR USING ANY VEHICLE SIMILAR CONTEST; OR
OTHER THAN A YOUR CAR, A NEWLY ACQUIRED b. ON A TRACK DESIGNED PRIMARILY FOR
CAR, A TEMPORARY SUBSTITUTE CAR, OR A RACING OR HIGH-SPEED DRIVING AND BE-
TRAILER IN ANY BUSINESS OR OCCUPATION ING PREPARED FOR, USED IN PRACTICE
OTHER THAN A CAR BUSINESS OR VALET PARK- FOR, OR OPERATED IN ANY PREAR-
ING. This exclusion does not apply to the mainte- RANGED OR ORGANIZED RACING CON-
nance or use of a private passenger car; TEST, SPEED CONTEST, OR ANY SIMILAR
CONTEST. This exclusion (13.b.) does not ap-
9. FOR DAMAGE TO PROPERTY WHILE IT IS: ply if the vehicle is being used in connection with
an activity other than racing, high-speed driving,
a. OWNED BY;
or any type of competitive driving; OR
b. RENTED TO; 14. WHO IS AN EMPLOYEE OF THE UNITED STATES
c. USED BY; OF AMERICA OR ANY OF THE FEDERAL GOV-
ERNMENT’S DEPARTMENTS OR AGENCIES, IF
d. IN THE CARE OF; OR THE PROVISIONS OF THE FEDERAL TORT
CLAIMS ACT APPLY.
e. TRANSPORTED BY
If Other Liability Coverage Applies
YOU, A RESIDENT RELATIVE, OR THE PERSON
WHO IS LEGALLY LIABLE FOR THE DAMAGE. 1. If Liability Coverage provided by this policy and one
This exclusion does not apply to damage to a: or more other Car Policies issued to you or any resi-
dent relative by the State Farm Companies apply
a. motor vehicle owned by the employer of you or to the same accident, then:
the employer of any resident relative if such a. the Liability Coverage limits of such policies will
damage is caused by an insured while operat- not be added together to determine the most
ing another motor vehicle; that may be paid; and
b. residence while rented to or leased to an in- b. the maximum amount that may be paid from all
sured; or such policies combined is the single highest ap-
plicable limit provided by any one of the policies.
c. private garage while rented to or leased to an We may choose one or more policies from which
insured; to make payment.
6 9813C
2. The Liability Coverage provided by this policy ap- then the State Farm Companies will pay the
plies as primary coverage for the ownership, proportion of damages payable as primary that
maintenance, or use of a your car or a trailer at- the maximum amount that may be paid by the
tached to it. State Farm Companies as determined in 1.
above bears to the sum of such amount and the
a. If:
limits of all other liability coverage that apply as
(1) a temporary substitute car owned or held primary coverage.
for sale or lease by a new or used vehicle
dealer is loaned to an insured while your 3. Except as provided in 2. above, the Liability Coverage
car is being repaired or evaluated for repair provided by this policy applies as excess coverage.
by that dealer; and a. If:
(2) the policy provides bodily injury liability lim- (1) this is the only Car Policy issued to you or
its of at least $100,000 for each person, any resident relative by the State Farm
$300,000 for each accident, and property Companies that provides Liability Cover-
damage liability limits of at least $50,000 for age which applies to the accident as ex-
each accident, cess coverage; and
then this coverage is primary and the insurance (2) liability coverage provided by one or more
carried by the dealer is excess. sources other than the State Farm Com-
b. If: panies also applies as excess coverage for
the same accident,
(1) this is the only Car Policy issued to you or
any resident relative by the State Farm then we will pay the proportion of damages pay-
Companies that provides Liability Cover- able as excess that our applicable limit bears to
age which applies to the accident as pri- the sum of our applicable limit and the limits of
mary coverage; and all other liability coverage that apply as excess
coverage.
(2) liability coverage provided by one or more
sources other than the State Farm Com- b. If:
panies also applies as primary coverage
for the same accident, (1) more than one Car Policy issued to you or
any resident relative by the State Farm
then we will pay the proportion of damages pay- Companies provides Liability Coverage
able as primary that our applicable limit bears to
which applies to the accident as excess
the sum of our applicable limit and the limits of
all other liability coverage that apply as primary coverage; and
coverage. (2) liability coverage provided by one or more
c. If: sources other than the State Farm Com-
panies also applies as excess coverage for
(1) more than one Car Policy issued to you or
any resident relative by the State Farm the same accident,
Companies provides Liability Coverage then the State Farm Companies will pay the
which applies to the accident as primary proportion of damages payable as excess that
coverage; and the maximum amount that may be paid by the
(2) liability coverage provided by one or more State Farm Companies as determined in 1.
sources other than the State Farm Com- above bears to the sum of such amount and the
panies also applies as primary coverage limits of all other liability coverage that apply as
for the same accident, excess coverage.
7 9813C
MEDICAL PAYMENTS COVERAGE
This policy provides Medical Payments Coverage if a pre- 3. commonly and customarily recognized throughout
mium is shown under “Coverage Symbol C” in the “POL- the medical profession and within the United States
ICY PREMIUM” schedules on the Declarations. of America as appropriate for the treatment of the
Additional Definitions bodily injury;
Insured means: 4. primarily designed to serve a medical purpose;

5. not experimental; and
1. you and resident relatives:
a. while occupying: 6. not for research purposes.
(1) a your car; Reasonable Expenses mean the lowest one of the fol-
lowing charges:
(2) a newly acquired car;
1. The usual and customary fees charged by a majority
(3) a temporary substitute car; of healthcare providers who provide similar medical
(4) a non-owned car; or services in the geographical area in which the
charges were incurred;
(5) a trailer while attached to a car described
in (1), (2), (3), or (4) above; or 2. The fee specified in any fee schedule:
b. if struck as a pedestrian by a motor vehicle or a. applicable to medical payments coverage, no-

fault coverage, or personal injury protection cov-
any type of trailer; and
erage included in motor vehicle liability policies
2. any other person while occupying: issued in the state where medical services are
provided; and
a. a your car;
b. as prescribed or authorized by the law of the
b. a newly acquired car; state where medical services are provided;
c. a temporary substitute car; or 3. The fees agreed to by both the insured’s healthcare
d. a trailer while attached to a car described in a., provider and us; or
b., or c. above. 4. The fees agreed upon between the insured’s
Such vehicle must be used with your express or im- healthcare provider and a third party when we have
plied permission. a contract with such third party.
Medical Expenses mean reasonable expenses for med- Insuring Agreement
ical services. We will pay:
Medical Services mean treatments, procedures, prod- 1. medical expenses incurred because of bodily in-
ucts, and other services that are: jury that is sustained by an insured and caused by a
1. necessary to achieve maximum medical improve- motor vehicle accident if:
ment for the bodily injury; a. that insured is first provided medical services
within one year immediately following the date of
2. rendered by a healthcare provider:
the accident; and
a. who is licensed as a healthcare provider if a li- b. such medical expenses are for medical ser-
cense is required by law; and vices that are provided within three years im-
b. within the legally authorized scope of that mediately following the date of the accident;
healthcare provider’s practice; and
8 9813C
2. funeral expenses incurred for an insured who dies 3. The arbitrators shall only decide whether incurred
within three years immediately following the date of a charges are medical expenses. Arbitrators shall
motor vehicle accident if the death is a direct result of have no authority to decide any other questions of
bodily injury sustained in such accident. fact, decide any questions of law, or conduct arbitra-
Determining Medical Expenses tion on a class-wide or class-representative basis.
We have the right to: 4. A written decision that is both agreed upon by and
1. obtain and use: signed by any two arbitrators, and that also contains
an explanation of how they arrived at their decision,
a. utilization reviews; will be binding on:
b. peer reviews; and a. us;
c. medical bill reviews b. the insured;
to determine if the incurred charges are medical ex- c. any assignee of the insured; and
penses;
d. any person or organization with whom the in-
2. use a medical examination of the insured to deter- sured expressly or impliedly contracts for med-
mine if: ical services.
a. the bodily injury was caused by a motor vehicle 5. Subject to 1., 2., 3., and 4. above, state court rules
accident; and governing procedure and admission of evidence will
b. the expenses incurred are medical expenses; be used.
and 6. We do not waive any of our rights by submitting to
3. enter into a contract with a third party that has an arbitration.
agreement with the insured’s healthcare provider to Limit
charge fees as determined by that agreement. The Medical Payments Coverage limit is shown in the
Arbitration “COVERAGES AND LIMITS” schedule on the Declara-
tions. The dollar amount shown under “Each Person” is
1. If there is a disagreement as to whether incurred the most we will pay for the medical expenses and fu-
charges are medical expenses, then the disagree- neral expenses combined, incurred by or on behalf of any
ment will be resolved by arbitration upon written re- one insured as a result of any one accident, regardless of
quest of the insured or us. the number of:
2. The arbitration will take place in the county in which 1. insureds;
the insured resides unless the parties agree to an- 2. claims made;
other location.
3. vehicles insured;
The insured and we will each select a competent ar-
4. premiums shown on the Declarations; or
bitrator. These two arbitrators will select a third com-
petent arbitrator. If they are unable to agree on the 5. vehicles involved in the accident.
third arbitrator within 30 days, then either the insured Subject to the “Each Person” limit shown on the Declara-
or we may petition a court that has jurisdiction to se- tions, the most we will pay for funeral expenses incurred
lect the third arbitrator. for any one insured is $3,000.
Each party will pay the cost of its own arbitrator, at- If the injured person has been paid damages for bodily
torneys, and expert witnesses, as well as any other injury by or on behalf of the liable party in an amount:
expenses incurred by that party. Both parties will 1. less than the injured person’s total medical ex-
share equally the cost of the third arbitrator. penses and funeral expenses, then the most we will
9 9813C
pay under Medical Payments Coverage is the lesser a. the use of a private passenger car on a share-
of: the-expense basis; or
a. the limit of liability of Medical Payments Cover- b. an insured while occupying a non-owned car
age; or as a passenger;
b. the amount by which the total medical ex- 5. WHILE MAINTAINING OR USING A VEHICLE IN
penses and funeral expenses exceed the total CONNECTION WITH THAT INSURED’S EMPLOY-
amount paid by or on behalf of all parties liable MENT IN OR ENGAGEMENT OF ANY KIND IN A
for the bodily injury; or CAR BUSINESS. This exclusion does not apply
while maintaining or using:
2. equal to or greater than the total medical expenses
and funeral expenses incurred by the injured person, a. a your car;
then we owe nothing under Medical Payments Cov-
b. a newly acquired car;
erage.
c. a temporary substitute car; or
Nonduplication
d. a trailer owned by you;
We will not pay any medical expenses or funeral ex-
penses under Medical Payments Coverage that have al- 6. WHILE THAT INSURED IS VALET PARKING A
ready been paid: VEHICLE;
1. as damages under Liability Coverage, Uninsured Mo- 7. WHILE MAINTAINING OR USING A NON-OWNED
tor Vehicle Coverage, or Underinsured Motor Vehicle CAR IN ANY BUSINESS OR OCCUPATION OTHER
Coverage of any policy issued by the State Farm THAN A CAR BUSINESS OR VALET PARKING.
Companies to you or any resident relative; or This exclusion does not apply to the maintenance or
use of a private passenger car;
2. by or on behalf of a party who is legally liable for the
insured’s bodily injury. 8. WHO IS EITHER OCCUPYING OR STRUCK AS A
PEDESTRIAN BY A VEHICLE THAT IS LOCATED
Exclusions FOR USE AS A DWELLING OR OTHER PREMISES;
THERE IS NO COVERAGE FOR AN INSURED: 9. WHO IS STRUCK AS A PEDESTRIAN BY A
1. WHO IS STRUCK AS A PEDESTRIAN BY A MOTOR VEHICLE THAT:
VEHICLE, OWNED BY THAT INSURED OR YOU, IF
IT IS NOT A YOUR CAR OR A NEWLY ACQUIRED a. IS DESIGNED FOR USE PRIMARILY OFF PUB-
CAR; LIC ROADS WHILE OFF PUBLIC ROADS; OR
2. IF ANY WORKERS’ COMPENSATION LAW, PEN- b. RUNS ON RAILS OR CRAWLER-TREADS;
SION CODE, MUNICIPAL ORDINANCE, LABOR 10. WHOSE BODILY INJURY RESULTS FROM WAR
UNION FUND, OR ANY SIMILAR LAW APPLIES TO OF ANY KIND;
THAT INSURED’S BODILY INJURY;
11. WHOSE BODILY INJURY RESULTS FROM:
3. WHO IS OCCUPYING A VEHICLE WHILE IT IS
RENTED TO OR LEASED TO OTHERS BY AN IN- a. NUCLEAR REACTION;
SURED, INCLUDING PERSONAL VEHICLE SHAR-
ING, PEER-TO-PEER CAR SHARING, OR OTHER b. RADIATION OR RADIOACTIVE CONTAMINA-
TION FROM ANY SOURCE; OR
SIMILAR PROGRAM;
4. WHO IS OCCUPYING A VEHICLE WHILE IT IS: c. THE ACCIDENTAL OR INTENTIONAL DETO-
NATION OF, OR RELEASE OF RADIATION
a. MADE AVAILABLE; OR FROM, ANY NUCLEAR OR RADIOACTIVE DE-
b. BEING USED VICE;
TO CARRY PERSONS FOR A CHARGE. This exclu- 12. WHOSE BODILY INJURY RESULTS FROM THE
sion does not apply to: DISCHARGE OF A FIREARM;
10 9813C
13. WHOSE BODILY INJURY RESULTS FROM EXPO- Companies that provides Medical Payments
SURE TO FUNGI; OR Coverage or other similar vehicle insurance
14. WHO IS OCCUPYING A VEHICLE WHILE IT IS: which applies to the accident as primary cov-
erage; and
a. BEING PREPARED FOR, USED IN PRACTICE (2) medical payments coverage or other simi-
FOR, OR OPERATED IN ANY PREAR- lar vehicle insurance provided by one or
RANGED OR ORGANIZED RACING CON-
more sources other than the State Farm
TEST, SPEED CONTEST, HILL-CLIMBING Companies also applies as primary cover-
CONTEST, JUMPING CONTEST, OR ANY age for the same accident,
SIMILAR CONTEST; OR
then we will pay the proportion of medical ex-
b. ON A TRACK DESIGNED PRIMARILY FOR penses and funeral expenses payable as pri-
RACING OR HIGH-SPEED DRIVING AND BE-
mary that our applicable limit bears to the sum
ING PREPARED FOR, USED IN PRACTICE of our applicable limit and the limits of all other
FOR, OR OPERATED IN ANY PREAR- medical payments coverage or similar vehicle
RANGED OR ORGANIZED RACING CON-
insurance that apply as primary coverage.
TEST, SPEED CONTEST, OR ANY SIMILAR
CONTEST. This exclusion (14.b.) does not ap- b. If:
ply if the vehicle is being used in connection with
(1) more than one vehicle policy issued to you
an activity other than racing, high-speed driving, or any resident relative by the State Farm
or any type of competitive driving. Companies provides Medical Payments
If Other Medical Payments Coverage or Similar Vehi- Coverage or other similar vehicle insurance
cle Insurance Applies which applies to the accident as primary
coverage; and
1. An insured shall not recover for the same medical
expenses or funeral expenses under both this cover- (2) medical payments coverage or other simi-
age and other medical payments coverage or similar lar vehicle insurance provided by one or
vehicle insurance. more sources other than the State Farm
Companies also applies as primary cover-
2. If Medical Payments Coverage provided by this policy age for the same accident,
and one or more other vehicle policies issued to you
or any resident relative by the State Farm Compa- then the State Farm Companies will pay the
nies apply to the same bodily injury, then: proportion of medical expenses and funeral ex-
penses payable as primary that the maximum
a. the Medical Payments Coverage limits of such amount that may be paid by the State Farm
policies shall not be added together to determine Companies as determined in 2. above bears to
the most that may be paid; and the sum of such amount and the limits of all other
b. the maximum amount that may be paid from all medical payments coverage or similar vehicle
such policies combined is the single highest ap- insurance that apply as primary coverage.
plicable limit provided by any one of the policies. 4. Except as provided in 3. above, the Medical Pay-
We may choose one or more policies from which ments Coverage provided by this policy applies as
to make payment. excess coverage.
3. The Medical Payments Coverage provided by this a. If:
policy applies as primary coverage for an insured
who sustains bodily injury while occupying a your (1) this is the only vehicle policy issued to you
car or a trailer attached to it. or any resident relative by the State Farm
Companies that provides Medical Pay-
a. If: ments Coverage or other similar vehicle in-
(1) this is the only vehicle policy issued to you or surance which applies to the accident as
any resident relative by the State Farm excess coverage; and
11 9813C
(2) medical payments coverage or other simi- then the State Farm Companies will pay the
lar vehicle insurance provided by one or proportion of medical expenses and funeral
more sources other than the State Farm expenses payable as excess that the
Companies also applies as excess cover- maximum amount that may be paid by the
age for the same accident, State Farm Companies as determined in 2.
then we will pay the proportion of medical ex- above bears to the sum of such amount and
penses and funeral expenses payable as ex- the limits of all other medical payments
coverage or similar vehicle insurance that
cess that our applicable limit bears to the sum
of our applicable limit and the limits of all other apply as excess coverage.
medical payments coverage or similar vehicle Our Payment Options
insurance that apply as excess coverage.
We may, at our option, make payment to one or more of
b. If: the following:
or any resident relative by the State Farm 1. The insured;
Companies provides Medical Payments 2. The insured’s surviving spouse;
Coverage or other similar vehicle insurance
which applies to the accident as excess 3. A parent or guardian of the insured, if the insured is
coverage; and a minor or an incompetent person;
(2) medical payments coverage or other simi- 4. A person authorized by law to receive such payment;
lar vehicle insurance provided by one or or
more sources other than the State Farm
Companies also applies as excess cover- 5. Any person or organization that provides the medi-
age for the same accident, cal services or funeral services.
UNINSURED MOTOR VEHICLE COVERAGE – BODILY INJURY

This policy provides Uninsured Motor Vehicle Coverage – 4. any person or organization entitled to recover com-
Bodily Injury if a premium is shown under “Coverage Sym- pensatory damages as a result of bodily injury to an
bol U” in the “POLICY PREMIUM” schedules on the Dec- insured as defined in 1., 2., or 3. above.
larations.
Uninsured Motor Vehicle means a land motor vehicle:
Additional Definitions
1. the ownership, maintenance, and use of which is:
Insured means:
a. not insured or bonded for bodily injury liability at
1. you; the time of the accident; or
2. resident relatives; b. insured or bonded for bodily injury liability at the
3. any other person while occupying: time of the accident; but
a. a your car; (1) the limits are less than required by the fi-
nancial responsibility act of Illinois; or
b. a newly acquired car; or
(2) the insuring company:
c. a temporary substitute car.
(a) denies that its policy provides liability
Such vehicle must be used with your express or im- coverage for compensatory damages
plied permission; and that result from the accident; or
12 9813C
(b) is or becomes insolvent; or 2. inform the insured in writing that we do not consent,
then the insured may not accept such settlement of-
2. the owner and driver of which remain unknown and
which causes bodily injury to the insured. If there fer and:
is no physical contact between that land motor vehi- a. we will make payment to the insured in an
cle and the insured or the vehicle the insured is oc- amount equal to such settlement offer. This
cupying, then the facts of the accident must be payment is considered a payment made by or
corroborated by a disinterested person who wit- on behalf of the owner or driver of the uninsured
nessed the accident. You, resident relatives, and motor vehicle; and
persons occupying the same vehicle as the in- b. any recovery from or on behalf of the owner or
sured are not disinterested persons.
driver of the uninsured motor vehicle shall first
Uninsured Motor Vehicle does not include a land motor be used to repay us.
vehicle:
Deciding Fault and Amount
1. whose ownership, maintenance, or use is provided 1. The insured and we must agree to the answers to
Liability Coverage by this policy;
the following two questions:
2. owned by, rented to, or operated by a self-insurer a. Is the insured legally entitled to recover com-
under any motor vehicle financial responsibility law,
pensatory damages from the owner or driver of
any motor carrier law, or any similar law; the uninsured motor vehicle?
3. owned by or rented to any government or any of its
b. If the insured and we agree that the answer to
political subdivisions or agencies; 1.a. above is yes, then what is the amount of the
4. designed for use primarily off public roads and not li- compensatory damages that the insured is le-
censed for public road use at the time of the accident. gally entitled to recover from the owner or driver
This does not apply while the vehicle is on public of the uninsured motor vehicle?
roads; or
2. If there is no agreement these questions shall be de-
5. while located for use as a dwelling or other premises. cided by arbitration.
Insuring Agreement 3. Upon the insured requesting arbitration, the insured
and we shall each select an arbitrator and the two ar-
We will pay compensatory damages for bodily injury an bitrators so named shall select a third arbitrator. If
insured is legally entitled to recover from the owner or
such arbitrators are not selected within 45 days from
driver of an uninsured motor vehicle. The bodily injury such request, either party may request that such ar-
must be: bitration be submitted to the American Arbitration As-
1. sustained by an insured; and sociation.
2. caused by an accident that involves the operation, 4. The written decision of any two arbitrators shall be
maintenance, or use of an uninsured motor vehicle binding on each party for the amount of bodily injury
as a motor vehicle. damages not exceeding the least of, in any one acci-
dent:
Consent to Settlement
The insured must inform us of a settlement offer, if any, a. $75,000 for one person;
proposed by or on behalf of the owner or driver of the un- b. $150,000 for two or more persons, subject to a.
insured motor vehicle, and the insured must request above; or
our written consent to accept such settlement offer.
c. the corresponding policy limits for this coverage
If we: under this policy.
1. consent in writing, then the insured may accept such 5. Arbitrator, attorney, and expert witness costs shall be
settlement offer. paid by the party who hired such person. The cost
13 9813C
of the third arbitrator and other expenses of arbitra- (1) the dollar amount shown under “Bodily In-
tion shall be shared equally by both parties. How- jury Limit – Each Person”; or
ever, in no event shall the expense to the insured, (2) the amount of all compensatory damages
exclusive of fees for attorneys and expert witnesses, resulting from that bodily injury reduced
reduce recovery below the Illinois Safety Responsi-
by the sum of all payments for compensa-
bility Law minimum limit. tory damages resulting from that bodily in-
6. The arbitration shall take place in the county in which jury made by or on behalf of any person or
the insured resides unless the parties agree to an- organization who is or may be held legally
other place. State court rules governing procedure liable for the bodily injury.
and admission of evidence shall be used. When the
b. The most we will pay, subject to 1.a. above, for
insured is seeking damages for bodily injury up to, all compensatory damages resulting from bod-
but not in excess of, the limits set forth in the Illinois ily injury to two or more insureds injured in any
Safety Responsibility Law, the rules as specified in Il-
one accident is the dollar amount shown under
linois Insurance Code 5/143a shall also apply. “Each Accident”.
7. We are not bound by any judgment against any per-
2. Any amount paid or payable to or for the insured un-
son or organization obtained without our written con- der any workers’ compensation law, pension code,
sent. municipal ordinance, labor union fund, disability ben-
8. Any arbitration or suit against us will be barred unless efits law, or similar law shall reduce the amount pay-
commenced within two years after the date of the ac- able under this coverage. The reduction may be
cident or within two years immediately following the taken only once and shall be first applied to the
date the carrier for the uninsured motor vehicle be- amount payable by any policy providing coverage on
comes insolvent, if the carrier becomes insolvent a primary basis. Any remaining reduction shall then
within two years immediately following the date of the be applied to the amount payable by any policy
accident. Legal action may only be brought against providing coverage on an excess basis. However,
us in accordance with the Legal Action Against Us social security disability benefits shall not be used to
provision of this policy. reduce the amount payable under this coverage.
9. Arbitrators shall have no authority to decide any 3. The limit shown for Uninsured Motor Vehicle Coverage
questions of law or conduct arbitration on a class- – Bodily Injury is the most we will pay regardless of the
wide or class-representative basis. number of:
10. Regardless of the amount of any award, including any a. insureds;
judgment or default judgment, we are not obligated to
b. claims made;
pay any amount in excess of the available limit under
this coverage of this policy. c. vehicles insured;
Limit d. premiums shown on the Declarations; or
1. The Uninsured Motor Vehicle Coverage – Bodily In- e. vehicles involved in the accident.
jury limit is shown in the “COVERAGES AND LIMITS”
schedule on the Declarations under “Bodily Injury Nonduplication
Limit – Each Person, Each Accident”. We will not pay under Uninsured Motor Vehicle Coverage
a. The most we will pay for all compensatory dam- – Bodily Injury any damages that have already been paid,
could have been paid, or could be paid to or for the in-
ages resulting from bodily injury to any one in-
sured injured in any one accident, including all sured:
compensatory damages sustained by other in- 1. by or on behalf of any person or organization who is
sureds as a result of that bodily injury is the or may be held legally liable for the bodily injury to
lesser of: the insured;
14 9813C
2. for bodily injury under Liability Coverage of any pol- 7. FOR AN INSURED OCCUPYING A VEHICLE
icy issued by the State Farm Companies to you or WHILE IT IS:
any resident relative; or a. MADE AVAILABLE OR BEING USED TO
3. as expenses under Medical Payments Coverage of CARRY PERSONS FOR A CHARGE. This ex-
this policy, the medical payments coverage of any clusion (7.a.) does not apply to:
other policy, or other similar vehicle insurance. (1) the use of a private passenger car on a
Exclusions share-the-expense basis; or
THERE IS NO COVERAGE: (2) you or a resident relative occupying a
1. FOR AN INSURED WHO, WITHOUT OUR WRIT- non-owned car as a passenger; OR
TEN CONSENT, SETTLES WITH ANY PERSON OR b. RENTED TO OR LEASED TO OTHERS BY AN
ORGANIZATION WHO MAY BE LIABLE FOR THE INSURED, INCLUDING PERSONAL VEHICLE
BODILY INJURY; SHARING, PEER-TO-PEER CAR SHARING,
OR OTHER SIMILAR PROGRAM.
2. FOR AN INSURED WHO SUSTAINS BODILY IN-
JURY: 8. FOR AN INSURED WHOSE BODILY INJURY RE-
SULTS FROM:
a. WHILE OCCUPYING A MOTOR VEHICLE
OWNED BY YOU IF IT IS NOT A YOUR CAR a. NUCLEAR REACTION;
OR A NEWLY ACQUIRED CAR; OR
b. RADIATION OR RADIOACTIVE CONTAMINA-
b. WHILE OCCUPYING A MOTOR VEHICLE TION FROM ANY SOURCE; OR
OWNED BY ANY RESIDENT RELATIVE IF IT
c. THE ACCIDENTAL OR INTENTIONAL DETO-
IS NOT A YOUR CAR OR A NEWLY AC- NATION OF, OR RELEASE OF RADIATION
QUIRED CAR. This exclusion (2.b.) does not FROM, ANY NUCLEAR OR RADIOACTIVE DE-
apply to you, provided that the motor vehicle is
VICE;
not owned by you;
If Other Uninsured Motor Vehicle Coverage Applies
3. FOR AN INSURED WHOSE BODILY INJURY RE-
SULTS FROM THE DISCHARGE OF A FIREARM; 1. If Uninsured Motor Vehicle Coverage provided by
this policy and one or more other vehicle policies
4. TO THE EXTENT IT BENEFITS:
issued to you or any resident relative by the State
a. ANY WORKERS’ COMPENSATION, PENSION Farm Companies apply to the same bodily injury,
CODE, MUNICIPAL ORDINANCE, LABOR UN- then:
ION FUND, OR DISABILITY BENEFITS INSUR- a. the Uninsured Motor Vehicle Coverage limits of
ANCE COMPANY; such policies will not be added together to deter-
b. A SELF-INSURER UNDER ANY WORKERS’ mine the most that may be paid; and
COMPENSATION LAW, PENSION CODE, MU- b. the maximum amount that may be paid from all
NICIPAL ORDINANCE, LABOR UNION FUND,
such policies combined is the single highest ap-
DISABILITY BENEFITS LAW, OR SIMILAR plicable limit provided by any one of the policies.
LAW; OR We may choose one or more policies from which
c. ANY GOVERNMENT OR ANY OF ITS POLITI- to make payment.
CAL SUBDIVISIONS OR AGENCIES; 2. The Uninsured Motor Vehicle Coverage provided by
5. FOR PUNITIVE OR EXEMPLARY DAMAGES; this policy applies as primary coverage for an in-
6. FOR ANY ORDER OF RESTITUTION ISSUED BY A sured who sustains bodily injury while occupying
a your car.
COURT IN A CRIMINAL PROCEEDING OR EQUI-
TABLE ACTION; OR a. If:
15 9813C
(1) this is the only vehicle policy issued to you Vehicle Coverage which applies to the ac-
or any resident relative by the State Farm cident as excess coverage; and
Companies that provides Uninsured Motor (2) uninsured motor vehicle coverage pro-
Vehicle Coverage which applies to the ac- vided by one or more sources other than
cident as primary coverage; and the State Farm Companies also applies
(2) uninsured motor vehicle coverage pro- as excess coverage for the same acci-
vided by one or more sources other than dent,
the State Farm Companies also applies
then we will pay the proportion of damages pay-
as primary coverage for the same acci-
able as excess that our applicable limit bears to
dent,
the sum of our applicable limit and the limits of
then we will pay the proportion of damages pay- all other uninsured motor vehicle coverage that
able as primary that our applicable limit bears to apply as excess coverage.
the sum of our applicable limit and the limits of b. If:
all other uninsured motor vehicle coverage that
apply as primary coverage. (1) more than one vehicle policy issued to you
or any resident relative by the State Farm
b. If: Companies provides Uninsured Motor Ve-
(1) more than one vehicle policy issued to you hicle Coverage which applies to the acci-
or any resident relative by the State Farm dent as excess coverage; and
Companies provides Uninsured Motor Ve-
(2) uninsured motor vehicle coverage pro-
hicle Coverage which applies to the acci-
vided by one or more sources other than
dent as primary coverage; and
(2) uninsured motor vehicle coverage pro- as excess coverage for the same acci-
vided by one or more sources other than dent,
the State Farm Companies also applies then the State Farm Companies will pay the pro-
as primary coverage for the same acci- portion of damages payable as excess that the
dent, maximum amount that may be paid by the State
then the State Farm Companies will pay the Farm Companies as determined in 1. above
proportion of damages payable as primary that bears to the sum of such amount and the limits of
the maximum amount that may be paid by the all other uninsured motor vehicle coverage that
State Farm Companies as determined in 1. apply as excess coverage.
above bears to the sum of such amount and the Our Payment Options
limits of all other uninsured motor vehicle cover-
age that apply as primary coverage. We may, at our option, make payment to one or more of
the following:
3. Except as provided in 2. above, the Uninsured Motor
Vehicle Coverage provided by this policy applies as 1. The insured;
excess coverage. 2. The insured’s surviving spouse;
a. If: 3. A parent or guardian of the insured, if the insured is
(1) this is the only vehicle policy issued to you a minor or an incompetent person; or
or any resident relative by the State Farm 4. A person authorized by law to receive such pay-
Companies that provides Uninsured Motor ment.
16 9813C
UNINSURED MOTOR VEHICLE COVERAGE – PROPERTY DAMAGE
This policy provides Uninsured Motor Vehicle Coverage – 3. owned by or rented to any government or any of its
Property Damage if a premium is shown under “Coverage political subdivisions or agencies;
Symbol U1” in the “POLICY PREMIUM” schedules on the 4. designed for use primarily off public roads and not li-
Declarations. censed for public road use at the time of the accident.
Deductible This does not apply while the vehicle is on public
roads; or
The Uninsured Motor Vehicle Coverage – Property Dam-
5. while located for use as a dwelling or other premises.
age deductible, that applies to a your car is the deductible
dollar amount shown in the“POLICY PREMIUM” sched- Insuring Agreement
ules on the Declarations for that your car. We will pay compensatory damages for property damage
Additional Definitions you are legally entitled to recover from the owner or driver
of an uninsured motor vehicle. The property damage
Property Damage means damage to: must be caused by an accident that involves the operation,
maintenance, or use of an uninsured motor vehicle as a
1. a your car for which a premium for that your car is
shown under “Coverage Symbol U1” in the “POLICY motor vehicle.
PREMIUM” schedules on the Declarations; or Consent to Settlement
2. a newly acquired car. You must inform us of a settlement offer, if any, proposed
by or on behalf of the owner or driver of the uninsured
Uninsured Motor Vehicle means a land motor vehicle the motor vehicle, and you must request our written consent
ownership, maintenance, and use of which is: to accept such settlement offer.
1. not insured or bonded for property damage liability at If we:
the time of the accident; or
1. consent in writing, then you may accept such settle-
2. insured or bonded for property damage liability at the ment offer.
time of the accident; but 2. inform you in writing that we do not consent, then
a. the limit of liability that applies to property dam- you may not accept such settlement offer and:
age is less than the limits required by the finan- a. we will make payment to you in an amount
cial responsibility act of Illinois; or equal to such settlement offer. This payment is
b. the insuring company: considered a payment made by or on behalf of
the owner or driver of the uninsured motor ve-
(1) denies that its policy provides liability cov- hicle; and
erage for compensatory damages that re- b. any recovery from or on behalf of the owner or
sult from the accident; or driver of the uninsured motor vehicle shall first
(2) is or becomes insolvent. be used to repay us.
Uninsured Motor Vehicle does not include a land motor Settlement of Loss for Property Damage
vehicle: Subject to the dollar amount shown under “Property Dam-
age – Each Accident” in the “COVERAGES AND LIMITS”
1. whose ownership, maintenance, or use is provided
schedule on the Declarations, we have the right to settle
Liability Coverage by this policy; with you for the damaged property in one of the following
2. owned by, rented to, or operated by a self-insurer ways:
under any motor vehicle financial responsibility law, 1. Pay the cost to repair the damaged property minus
any motor carrier law, or any similar law; any applicable deductible.
17 9813C
a. We have the right to choose one of the following a. Actual cash value is determined by the market
to determine the cost to repair the damaged value, age, and condition at the time the prop-
property: erty damage occurred. Any deductible amount
(1) The cost agreed to by both you and us; that applies is then subtracted.
(2) A bid or repair estimate approved by us; or b. Actual cash value does not include any reduc-
tion in the value of the damaged property after it
(3) A repair estimate that is written based upon has been repaired, as compared to its value be-
or adjusted to: fore it was damaged.
(i) the prevailing competitive price; c. The damaged property must be given to us in
(ii) the lower of paintless dent repair pric- exchange for our payment, unless we agree
ing established by an agreement we that you may keep the damaged property. If
have with a third party or the paintless you keep the damaged property, then our pay-
dent repair price that is competitive in ment will be reduced by the value of the dam-
the market; or aged property after the loss, minus any
(iii) a combination of (i) and (ii) above. applicable deductible.
The prevailing competitive price means d. If there is disagreement as to the actual cash
prices charged by a majority of the repair value of the damaged property, then the disa-
greement will be resolved in accordance with the
market in the area where the damaged
property is to be repaired as determined by Deciding Fault and Amount provision of this
a survey made by us. If asked, we will coverage.
identify some facilities that will perform the Deciding Fault and Amount
repairs at the prevailing competitive price.
1. You and we must agree to the answers to the follow-
The estimate will include parts sufficient to
restore the damaged property to its pre- ing two questions:
loss condition. a. Are you legally entitled to recover compensatory
You agree with us that the repair estimate may damages from the owner or driver of the unin-
include new, used, recycled, and reconditioned sured motor vehicle?
parts. Any of these parts may be either original b. If you and we agree that the answer to 1.a.
equipment manufacturer parts or non-original
above is yes, then what is the amount of the
equipment manufacturer parts.
compensatory damages that you are legally en-
You also agree that replacement glass need not titled to recover from the owner or driver of the
have any insignia, logo, trademark, etching, or uninsured motor vehicle?
other marking that was on the replaced glass.
2. If there is no agreement, these questions shall be de-
b. The cost to repair the damaged property does
cided by arbitration.
not include any reduction in the value of the
damaged property after it has been repaired, as 3. If you request arbitration, you and we shall each se-
compared to its value before it was damaged. lect an arbitrator and the two arbitrators so named
shall select a third arbitrator. If such arbitrators are
c. If the repair or replacement of a part results in
betterment of that part, then you must pay for not selected within 45 days from such request, either
the amount of the betterment. party may request that such arbitration be submitted
to the American Arbitration Association.
d. If you and we agree, then windshield glass will
be repaired instead of replaced; 4. The written decision of any two arbitrators shall be
binding on each party for the amount of property
2. Pay the agreed upon actual cash value of the dam- damage not exceeding the lesser of, in any one ac-
aged property minus any applicable deductible. cident:
18 9813C
a. the corresponding policy limit for this coverage (1) the dollar amount shown under “Property
under this policy, subject to the applicable de- Damage Limit - Each Accident”; or
ductible; or (2) the amount of property damage reduced
b. the actual cash value of the damaged vehicle, by the sum of all payments for property
subject to the applicable deductible. damage made by or on behalf of any per-
5. Arbitrator, attorney, and expert witness costs shall be son or organization who is or may be held
legally liable for that property damage.
paid by the party who hired such person. The cost
of the third arbitrator and other expenses of arbitra- b. The amount payable for property damage is
tion shall be shared equally by both parties. How- subject to the applicable deductible for each ac-
ever, in no event shall the expense to you, exclusive cident.
of fees for attorneys and expert witnesses, reduce re- 2. The limit shown for Uninsured Motor Vehicle Cover-
covery below the Illinois Safety Responsibility Law
age – Property Damage is the most we will pay re-
minimum limit. gardless of the number of:
6. The arbitration shall take place in the county in which
a. claims made;
you reside unless the parties agree to another place.
State court rules governing procedure and admission b. vehicles insured;
of evidence shall be used. The rules as specified in c. premiums shown on the Declarations; or
Illinois Insurance Code 5/143a shall also apply.
d. vehicles involved in the accident.
7. We are not bound by any judgment against any per-
son or organization obtained without our written con- Nonduplication
sent. We will not pay under Uninsured Motor Vehicle Coverage
– Property Damage any damages that have already been
8. Any arbitration or suit against us will be barred unless
commenced within two years after the date of the ac- paid, could have been paid, or could be paid:
cident or within two years immediately following the 1. by or on behalf of any person or organization who is
date the carrier for the uninsured motor vehicle be- or may be held legally liable for the property dam-
comes insolvent, if the carrier becomes insolvent age; or
within two years immediately following the date of the
2. under Liability Coverage of any policy issued by the
accident. Legal action may only be brought against State Farm Companies to you or any resident rel-
us in accordance with the Legal Action Against Us ative; or
provision of this policy.
3. under any physical damage coverage or property in-
9. Arbitrators shall have no authority to decide any surance policy.
questions of law or conduct arbitration on a class-
wide or class-representative basis. Exclusions
10. Regardless of the amount of any award, including any THERE IS NO COVERAGE:
judgment or default judgment, we are not obligated to 1. IF YOU, WITHOUT OUR WRITTEN CONSENT, SET-
pay any amount in excess of the available limits un- TLES WITH ANY PERSON OR ORGANIZATION
der this coverage of this policy. WHO MAY BE LIABLE FOR THE PROPERTY DAM-
Limit AGE;
1. The Uninsured Motor Vehicle Coverage – Property 2. FOR PUNITIVE OR EXEMPLARY DAMAGES;
Damage limit is shown in the “COVERAGES AND 3. FOR ANY ORDER OF RESTITUTION ISSUED BY A
LIMITS” schedule on the Declarations. COURT IN A CRIMINAL PROCEEDING OR EQUI-
TABLE ACTION;
a. The most we will pay for all property damage
resulting from any one accident is the lesser of: 4. FOR PROPERTY DAMAGE UNLESS YOU CAN:
19 9813C
a. IDENTIFY THE OWNER OR DRIVER OF THE If Other Uninsured Motor Vehicle Coverage – Property
UNINSURED MOTOR VEHICLE BY NAME Damage or If Other Property Damage Coverage Ap-
AND ADDRESS; AND plies
b. PROVE THE MOTOR VEHICLE TO BE AN UN- The Uninsured Motor Vehicle Coverage – Property Dam-
age provided by this policy for property damage applies:
INSURED MOTOR VEHICLE.
1. as excess coverage if any other kind of coverage ap-
5. FOR PROPERTY DAMAGE, FOR:
plies to the property damage, including coverage
a. LOSS OF USE OF THE VEHICLE; OR provided under the Physical Damage Coverages of
this policy; but
b. LOSS OF OR DAMAGE TO PERSONAL
PROPERTY WHICH WAS IN THE VEHICLE; 2. only in the amount by which it exceeds that other cov-
erage.
6. FOR PROPERTY DAMAGE RESULTING FROM:
The State Farm Companies will pay the proportion of
a. NUCLEAR REACTION;
damages payable as excess that the single highest appli-
b. RADIATION OR RADIOACTIVE CONTAMINA- cable limit provided by any one of the State Farm Com-
TION FROM ANY SOURCE; OR panies bears to the sum of such amount and the limits of
all other physical damage coverage or property damage
c. THE ACCIDENTAL OR INTENTIONAL DETO-
coverage provided by one or more other sources that ap-
NATION OF, OR RELEASE OF RADIATION
ply as excess coverage.
FROM, ANY NUCLEAR OR RADIOACTIVE DE-
VICE; Our Payment Options
7. FOR PROPERTY DAMAGE WHILE A YOUR CAR IS We may, at our option, make payment to one or more of
RENTED OR LEASED TO OTHERS, INCLUDING the following for property damage:
PERSONAL VEHICLE SHARING, PEER-TO-PEER 1. You;
CAR SHARING, OR OTHER SIMILAR PROGRAM;
OR 2. The repairer;
8. FOR PROPERTY DAMAGE WHILE A YOUR CAR 3. A creditor shown on the Declarations, to the extent of
its interest; or
IS MADE AVAILABLE OR BEING USED TO CARRY
PERSONS FOR A CHARGE. 4. A person authorized by law to receive such payment
UNDERINSURED MOTOR VEHICLE COVERAGE

This policy provides Underinsured Motor Vehicle Cover- a. a your car;
age if a premium is shown under “Coverage Symbol W” in b. a newly acquired car; or
the “POLICY PREMIUM” schedules on the Declarations.
c. a temporary substitute car.
Such vehicle must be used with your express or im-
Insured means:
plied permission; and
1. you;
4. any person or organization entitled to recover com-
2. resident relatives; pensatory damages as a result of bodily injury to an
3. any other person while occupying: insured as defined in 1., 2., or 3. above.
20 9813C
Underinsured Motor Vehicle means a land motor vehi- 2. caused by an accident that involves the operation,
cle: maintenance, or use of an underinsured motor ve-
hicle as a motor vehicle.
1. the ownership, maintenance, and use is either:
We will pay only if the limits of liability or portion thereof
a. insured or bonded for bodily injury liability at the under all bodily injury liability bonds, policies, and self-in-
time of the accident; or surance plans that apply to the insured’s bodily injury
b. self-insured under any motor vehicle financial have been partially or fully exhausted by payment of judg-
ments or settlements, or have been offered to the insured
responsibility law, any motor carrier law, or any
in writing.
similar law; and
Consent to Settlement
2. for which the total limits of insurance, bonds, and self-
insurance for bodily injury liability from all sources: The insured must notify us in writing of a settlement offer
proposed by or on behalf of the owner or operator of the
a. are less than the Underinsured Motor Vehicle underinsured motor vehicle, and allow us to advance an
Coverage limit of this policy; or amount equal to the tentative settlement within 30 days after
we receive the written notice.
b. have been reduced by payments to persons
other than you and resident relatives to less Any agreement between the insured and us as to the
than the Underinsured Motor Vehicle Coverage amount due shall be final and shall be binding upon both
limit of this policy. the insured and us regardless of the amount of any judg-
ment or any settlement reached between any insured and
Underinsured Motor Vehicle does not include a land mo- the legally liable person or persons. No such settlement
tor vehicle: agreement shall be concluded unless:
1. whose ownership, maintenance, or use is provided 1. the insured has complied with all other applicable
Liability Coverage by this policy; policy terms and conditions; and
2. owned by, rented to, or furnished or available for the 2. before the conclusion of the settlement agreement,
regular use of you or any resident relative; the insured:
3. owned by or rented to any government or any of its a. has filed suit against the owner or operator of the
political subdivisions or agencies; underinsured motor vehicle; and
4. designed for use primarily off public roads and not li- b. has not abandoned the suit or settled the suit
censed for public road use at the time of the accident. without preserving our rights to recover our pay-
This does not apply while the vehicle is on public ments.
roads; The most we will pay under the settlement agreement is
5. while located for use as a dwelling or other premises; the amount by which the limits of this coverage exceed the
or limits of the bodily injury liability insurance of the owner or
operator of the underinsured motor vehicle.
6. defined as an uninsured motor vehicle under Unin-
sured Motor Vehicle Coverage of this policy. Deciding Fault and Amount
1. The insured and we must agree to the answers to
Insuring Agreement the following two questions:
We will pay compensatory damages for bodily injury an a. Is the insured legally entitled to recover com-
insured is legally entitled to recover from the owner or pensatory damages from the owner or driver of
driver of an underinsured motor vehicle. The bodily in- the underinsured motor vehicle?
jury must be:
b. If the insured and we agree that the answer to
1. sustained by an insured; and 1.a. above is yes, then what is the amount of the
21 9813C
compensatory damages that the insured is le- a. the date of tentative settlement with or on behalf
gally entitled to recover from the owner or driver of the owner or driver of an underinsured mo-
of the underinsured motor vehicle? tor vehicle; or
2. If there is no agreement, these questions shall be de- b. the date the insuring company for the owner or
cided by arbitration. driver of the underinsured motor vehicle be-
3. Upon the insured requesting arbitration, the insured comes insolvent, if such insolvency occurs
within two years immediately following the date
and we shall each select an arbitrator and the two ar-
bitrators so named shall select a third arbitrator. If of tentative settlement.
such arbitrators are not selected within 45 days from Legal action may only be brought against us in ac-
such request, either party may request that such ar- cordance with the Legal Action Against Us provision
bitration be submitted to the American Arbitration As- of this policy.
sociation.
9. Arbitrators shall have no authority to decide any
4. The written decision of any two arbitrators shall be questions of law or conduct arbitration on a class-
binding on each party for the amount of bodily injury wide or class-representative basis.
damages in any one accident, not exceeding the least 10. Regardless of the amount of any award, including any
of: judgment or default judgment, we are not obligated to
a. $75,000 for one person; pay any amount in excess of the available limit under
b. $150,000 for two or more persons, subject to a. this coverage of this policy.
above; or Limit
c. the corresponding policy limits for this coverage 1. The Underinsured Motor Vehicle Coverage limit is
under this policy. shown in the “COVERAGES AND LIMITS” schedule
5. Arbitrator, attorney, and expert witness costs shall be on the Declarations under “Bodily Injury Limit – Each
paid by the party who hired such person. The cost Person, Each Accident”.
of the third arbitrator and other expenses of arbitra- a. The most we will pay for all compensatory dam-
tion shall be shared equally by both parties. How- ages resulting from bodily injury to any one in-
ever, in no event shall the expense to the insured, sured injured in any one accident, including all
exclusive of fees for attorneys and expert witnesses, compensatory damages sustained by other in-
reduce recovery below the Illinois Safety Responsi- sureds as a result of that bodily injury, is the
bility Law minimum limit. lesser of:
6. The arbitration shall take place in the county in which (1) the dollar amount shown under “Each Per-
the insured resides unless the parties agree to an- son”;
other place. State court rules governing procedure (2) the amount determined by:
and admission of evidence shall be used. When the
insured is seeking damages for bodily injury up to, (a) if there is one underinsured motor
but not in excess of, the limits set forth in the Illinois vehicle involved in the accident, the
Safety Responsibility Law, the rules as specified in Il- dollar amount shown under “Each
linois Insurance Code 5/143a shall also apply. Person”; less those amounts actually
recovered under the applicable poli-
7. We are not bound by any judgment against any per- cies, bonds, or other security main-
son or organization obtained without our written con- tained on that underinsured motor
sent. vehicle;
8. Any arbitration or suit against us will be barred unless (b) if there is more than one underin-
commenced within two years immediately following: sured motor vehicle involved in the
22 9813C
accident, the sum of the amounts ob- 1. by or on behalf of any person or organization who is
tained from the calculation of (2)(a) or may be held legally liable for the underinsured
above for each underinsured motor motor vehicle;
vehicle involved in the accident; or 2. for bodily injury under Liability Coverage of any pol-
(3) the total amount of all damages resulting icy issued by the State Farm Companies to you or
from that bodily injury less those amounts any resident relative; or
actually recovered under all applicable
3. as expenses under Medical Payments Coverage of
bodily injury insurance policies, bonds, or this policy, the medical payments coverage of any
other security maintained on the underin- other policy, or other similar vehicle insurance.
sured motor vehicles.
Exclusions
b. The most we will pay, subject to 1.a. above, for
all compensatory damages resulting from bod- THERE IS NO COVERAGE:
ily injury to two or more insureds injured in any 1. FOR AN INSURED WHO, WITHOUT OUR WRIT-
one accident is the dollar amount shown under TEN CONSENT, SETTLES WITH ANY PERSON OR
“Each Accident” less those amounts actually re- ORGANIZATION WHO MAY BE LIABLE FOR THE
covered under the applicable bodily injury insur- BODILY INJURY;
ance policies, bonds, or other security
maintained on the underinsured motor vehi- 2. FOR AN INSURED WHO SUSTAINS BODILY IN-
cles. JURY:
2. Any amount paid or payable to or for the insured un- a. WHILE OCCUPYING A MOTOR VEHICLE
der any workers’ compensation law, pension code, OWNED BY YOU IF IT IS NOT A YOUR CAR
municipal ordinance, labor union fund, disability ben- OR A NEWLY ACQUIRED CAR; OR
efits law, or similar law shall reduce the amount pay- b. WHILE OCCUPYING A MOTOR VEHICLE
able under this coverage. The reduction may be OWNED BY ANY RESIDENT RELATIVE IF IT
taken only once and shall be first applied to the IS NOT A YOUR CAR OR A NEWLY AC-
amount payable by any policy providing coverage on QUIRED CAR. This exclusion (2.b.) does not
a primary basis. Any remaining reduction shall then apply to you, provided that the motor vehicle is
be applied to the amount payable by any policy not owned by you;
providing coverage on an excess basis. However, so-
cial security disability benefits shall not be used to re- 3. FOR AN INSURED WHOSE BODILY INJURY RE-
duce the amount payable under this coverage. SULTS FROM THE DISCHARGE OF A FIREARM;
3. The limit shown for Underinsured Motor Vehicle Cov- 4. TO THE EXTENT IT BENEFITS:
erage is the most we will pay regardless of the num-
a. ANY WORKERS’ COMPENSATION, PENSION
ber of:
CODE, MUNICIPAL ORDINANCE, LABOR UN-
a. insureds; ION FUND, OR DISABILITY BENEFITS INSUR-
b. claims made; ANCE COMPANY;
c. vehicles insured; b. A SELF-INSURER UNDER ANY WORKERS’
COMPENSATION LAW, PENSION CODE, MU-
d. premiums shown on the Declarations; or NICIPAL ORDINANCE, LABOR UNION FUND,
e. vehicles involved in the accident. DISABILITY BENEFITS LAW, OR SIMILAR
Nonduplication LAW; OR
We will not pay under Underinsured Motor Vehicle Cover- c. ANY GOVERNMENT OR ANY OF ITS POLITI-
age any damages that have already been paid, could have CAL SUBDIVISIONS OR AGENCIES;
been paid, or could be paid to or for the insured: 5. FOR PUNITIVE OR EXEMPLARY DAMAGES;
23 9813C
6. FOR ANY ORDER OF RESTITUTION ISSUED BY A SHARING, PEER-TO-PEER CAR SHARING,
COURT IN A CRIMINAL PROCEEDING OR EQUI- OR OTHER SIMILAR PROGRAM.
TABLE ACTION; If Other Underinsured Motor Vehicle Coverage Applies
7. IF THE UNINSURED MOTOR VEHICLE COVER-
1. If Underinsured Motor Vehicle Coverage provided by
AGE APPLIES TO THE ACCIDENT; this policy and one or more other vehicle policies is-
8. UNTIL THE INSURED EITHER SETTLES WITH ALL sued to you or any resident relative by the State
INSURERS OR SELF-INSURERS ISSUING APPLI- Farm Companies apply to the same bodily injury,
CABLE INSURANCE POLICIES, BONDS, OR then:
OTHER SECURITY MAINTAINED ON THE UNDER-
a. the Underinsured Motor Vehicle Coverage limits
INSURED MOTOR VEHICLE OR OBTAINS A FINAL of such policies will not be added together to de-
JUDGMENT AGAINST THE OWNER OR OPERA- termine the most that may be paid; and
TOR OF THE UNDERINSURED MOTOR VEHICLE.
This does not apply if: b. the maximum amount that may be paid from all
such policies combined is the single highest ap-
a. the insured has given us notice of a settlement
plicable limit provided by any one of the policies.
offer proposed by or on behalf of the owner or We may choose one or more policies from which
operator of the underinsured motor vehicle to make payment.
and we advance an amount equal to the tenta-
tive settlement within 30 days after we receive 2. The Underinsured Motor Vehicle Coverage provided
the written notice; or by this policy applies as primary coverage for an in-
sured who sustains bodily injury while occupying
b. the insured or their legal representative and we: a your car.
(1) agree that the insured has suffered bodily a. If:
injury as a result of the negligent opera-
tion, maintenance, or use of an underin- (1) this is the only vehicle policy issued to you
or any resident relative by the State Farm
sured motor vehicle;
Companies that provides Underinsured
(2) agree, without arbitration, on the amount of Motor Vehicle Coverage which applies to
damages that the insured is legally entitled the accident as primary coverage; and
to collect; and (2) underinsured motor vehicle coverage pro-
(3) agree upon settlement in accordance with vided by one or more sources other than
the Consent to Settlement and Deciding the State Farm Companies also applies
Fault and Amount provisions under this as primary coverage for the same accident,
coverage; then we will pay the proportion of damages pay-
9. FOR AN INSURED OCCUPYING A VEHICLE able as primary that our applicable limit bears to
WHILE IT IS: the sum of our applicable limit and the limits of
all other underinsured motor vehicle coverage
a. MADE AVAILABLE OR BEING USED TO that apply as primary coverage.
CARRY PERSONS FOR A CHARGE. This ex-
clusion (9.a.) does not apply to: b. If:
(1) the use of a private passenger car on a
share-the-expense basis; or or any resident relative by the State Farm
Companies provides Underinsured Motor
(2) you or a resident relative occupying a Vehicle Coverage which applies to the ac-
non-owned car as a passenger; OR cident as primary coverage; and
b. RENTED TO OR LEASED TO OTHERS BY AN (2) underinsured motor vehicle coverage pro-
INSURED, INCLUDING PERSONAL VEHICLE vided by one or more sources other than
24 9813C
the State Farm Companies also applies (1) more than one vehicle policy issued to you
as primary coverage for the same accident, or any resident relative by the State Farm
then the State Farm Companies will pay the Companies provides Underinsured Motor
proportion of damages payable as primary that Vehicle Coverage which applies to the ac-
the maximum amount that may be paid by the cident as excess coverage; and
State Farm Companies as determined in 1.
(2) underinsured motor vehicle coverage pro-
above bears to the sum of such amount and the
limits of all other underinsured motor vehicle vided by one or more sources other than
coverage that apply as primary coverage. the State Farm Companies also applies
as excess coverage for the same accident,
3. Except as provided in 2. above, the Underinsured
Motor Vehicle Coverage provided by this policy ap- then the State Farm Companies will pay the
plies as excess coverage. proportion of damages payable as excess that
a. If: the maximum amount that may be paid by the
State Farm Companies as determined in 1.
(1) this is the only vehicle policy issued to you above bears to the sum of such amount and the
or any resident relative by the State Farm limits of all other underinsured motor vehicle
Companies that provides Underinsured
coverage that apply as excess coverage.
Motor Vehicle Coverage which applies to
the accident as excess coverage; and Our Payment Options
(2) underinsured motor vehicle coverage pro- We may, at our option, make payment to one or more of
vided by one or more sources other than the following:
as excess coverage for the same accident, 1. The insured;
then we will pay the proportion of damages pay- 2. The insured’s surviving spouse;
able as excess that our applicable limit bears to
the sum of our applicable limit and the limits of 3. A parent or guardian of the insured, if the insured is
all other underinsured motor vehicle coverage a minor or an incompetent person; or
that apply as excess coverage. 4. A person authorized by law to receive such pay-
b. If: ment.
PHYSICAL DAMAGE COVERAGES

The physical damage coverages are Comprehensive Cov- 4. Car Rental and Travel Expenses Coverage if a pre-
erage, Collision Coverage, Emergency Road Service Cov- mium is shown under “Coverage Symbol R1”
erage, and Car Rental and Travel Expenses Coverage. in the “POLICY PREMIUM” schedules on the Declara-
This policy provides: tions.
1. Comprehensive Coverage if a premium is shown un- Deductible
der “Coverage Symbol D”; 1. The Comprehensive Coverage deductible, if any, that
2. Collision Coverage if a premium is shown under applies to a covered vehicle that is:
“Coverage Symbol G”; a. a your car is the deductible dollar amount
3. Emergency Road Service Coverage if a premium is shown in the “POLICY PREMIUM” schedules on
shown under “Coverage Symbol H”; the Declarations for that your car.
25 9813C
b. a newly acquired car is the lesser of: d. a camper is the deductible dollar amount shown
in the “POLICY PREMIUM” schedules on the
(1) the lowest Comprehensive Coverage de-
ductible dollar amount shown in the “POL- Declarations for the your car on which the
ICY PREMIUM” schedules on the camper is designed to be mounted or installed.
If both the your car and the camper are dam-
Declarations for any vehicle for which a
premium is shown under “Coverage Sym- aged by the same loss caused by collision,
bol D” in the “POLICY PREMIUM” sched- then only one deductible will apply.
ules on the Declarations; or Additional Definitions
(2) $500. Covered Vehicle means:
c. a temporary substitute car, a non-owned car, 1. a your car, but only for those coverages for which a
a non-owned trailer, or a non-owned camper premium for that your car is shown under the corre-
is the lowest deductible dollar amount shown in sponding “Coverage Symbol” in the “POLICY PRE-
the “POLICY PREMIUM” schedules on the Dec-
MIUM” schedules on the Declarations;
larations for any vehicle for which a premium is
shown under “Coverage Symbol D” in the “POL- 2. a newly acquired car if a premium is shown under
ICY PREMIUM” schedules on the Declarations. the corresponding “Coverage Symbol” in the “POL-
d. a camper is the deductible dollar amount shown ICY PREMIUM” schedules on the Declarations;
in the “POLICY PREMIUM” schedules on the 3. a temporary substitute car if a premium is shown
Declarations for the your car on which the under the corresponding “Coverage Symbol” in the
camper is designed to be mounted or installed.
“POLICY PREMIUM” schedules on the Declarations;
If both the your car and the camper are dam-
aged by the same loss, then only one deductible 4. a camper that is:
will apply.
a. shown on the Declarations; and
2. The Collision Coverage deductible that applies to a
covered vehicle that is: b. designed to be mounted or installed on a your
car described in 1. above, but only for those cov-
a. a your car is the deductible dollar amount
shown in the “POLICY PREMIUM” schedules on erages for which a premium is shown for that
the Declarations for that your car. your car under the corresponding “Coverage
Symbol” in the “POLICY PREMIUM” schedules
b. a newly acquired car is the lesser of: on the Declarations;
(1) the lowest Collision Coverage deductible
dollar amount shown in the “POLICY PRE- 5. a non-owned car:
MIUM” schedules on the Declarations for a. if a premium is shown under the corresponding
any vehicle for which a premium is shown “Coverage Symbol” in the “POLICY PREMIUM”
under “Coverage Symbol G” in the “POL- schedules on the Declarations; and
ICY PREMIUM” schedules on the Declara-
tions; or b. while it is:
(2) $500. (1) being driven by an insured; or
c. a temporary substitute car, a non-owned car, (2) in the custody of an insured if at the time
a non-owned trailer, or a non-owned camper of the loss it is:
is the lowest deductible dollar amount shown in
(a) not being driven; or
the “POLICY PREMIUM” schedules on the Dec-
larations for any vehicle for which a premium is (b) being driven by a person other than
shown under “Coverage Symbol G” in the “POL- an insured and being occupied by an
ICY PREMIUM” schedules on the Declarations. insured;
26 9813C
6. a non-owned trailer: 1. is owned by:
a. if a premium is shown under the corresponding a. an insured;
“Coverage Symbol” in the “POLICY PREMIUM” b. any other person who resides primarily in your
schedules on the Declarations; and
household; or
b. while it is being used by an insured; and c. an employer of any person described in a. or b.
7. a non-owned camper: above; nor
a. if a premium is shown under the corresponding 2. has been used by, rented by, or in the possession of
“Coverage Symbol” in the “POLICY PREMIUM” an insured during any part of each of the 31 or more
schedules on the Declarations; and consecutive days immediately prior to the date of the
loss.
b. while it is being used by an insured.
A covered vehicle also includes the parts and equipment Non-Owned Trailer means a trailer that is in the lawful
possession of an insured and that neither:
that are common to the use of the vehicle as a vehicle.
However, parts and equipment of trailers and campers 1. is owned by:
must be securely fixed as a permanent part of the trailer
a. an insured;
or camper.
b. any other person who resides primarily in your
Daily Transportation Charge means the sum of:
household; or
1. the daily rental rate, including mileage charges and c. an employer of any person described in a. or b.
related taxes, incurred when an insured rents a car
above; nor
from a car business; and
2. has been used by, rented by, or in the possession of
2. commercial transportation expenses incurred by an
an insured during any part of each of the 31 or more
insured. consecutive days immediately prior to the date of the
Insured means you and resident relatives. loss.
Loss means: Insuring Agreements
1. direct, sudden, and accidental damage to; or 1. Comprehensive Coverage
2. total or partial theft of We will pay:
a covered vehicle. Loss does not include any reduction a. for loss, except loss caused by collision, to a
in the value of any covered vehicle after it has been recovered vehicle; and
paired, as compared to its value before it was damaged. b. transportation expenses incurred by an insured
Loss Caused By Collision means a loss caused by: as a result of the total theft of a covered vehicle
owned by you. These transportation expenses
1. a covered vehicle hitting or being hit by another ve- are payable:
hicle or another object; or
(1) during the period that:
2. the overturning of a covered vehicle.
(a) starts on the date you report the theft
Any loss caused by missiles, falling objects, windstorm, to us; and
hail, fire, explosion, earthquake, water, flood, total or par-
(b) ends on the earliest of:
tial theft, malicious mischief, vandalism, riot, civil commo-
tion, or hitting or being hit by a bird or an animal is not a (i) the date the vehicle is returned to
Loss Caused By Collision. your possession in a drivable
Non-Owned Camper means a camper designed to be condition;
mounted on a pickup truck that is in the lawful possession (ii) the date the vehicle has been re-
of an insured and that neither: placed;
27 9813C
(iii) seven days after the date we offer We will pay the daily transportation charge in-
to pay for the loss if the vehicle has curred while a covered vehicle owned by you
not yet been recovered; or is not drivable or is being repaired as a result of
(iv) seven days after the date we of- a loss which would be payable under Compre-
hensive Coverage or Collision Coverage.
fer to pay for the loss if the vehi-
cle is recovered, but is a total loss We will pay the daily transportation charge in-
as determined by us; and curred during a period that:
(2) during the period that: (1) starts on the date:
(a) starts on the date the vehicle is left (a) the vehicle is not drivable as a result
at a repair facility if the stolen of the loss; or
vehicle is recovered, returned to your
(b) the vehicle is left at a repair facility if
possession in a drivable condition, and the vehicle is drivable; and
has unrepaired damage that resulted
from the total theft; and (2) ends on the earliest of:
(b) ends on the date the vehicle is re- (a) the date the vehicle has been repaired
paired. or replaced;
These transportation expenses must be re- (b) the date we offer to pay for the loss if
ported to us before we will pay such incurred ex- the vehicle is repairable but you
penses. choose to delay repairs; or
2. Collision Coverage (c) seven days after we offer to pay for
the loss if the vehicle is:
We will pay for loss caused by collision to a cov-
ered vehicle. (i) a total loss as determined by us;
or
3. Emergency Road Service Coverage
(ii) stolen and not recovered.
We will pay the fair cost incurred by an insured for:
The amount of any such daily transportation
a. up to one hour of labor to repair a covered ve-
hicle at the place of its breakdown; charge incurred by an insured must be re-
ported to us before we will pay such amount.
b. towing to the nearest repair facility where neces-
sary repairs can be made if a covered vehicle b. Travel Expenses
is not drivable; We will pay expenses for commercial transpor-
c. towing a covered vehicle out of a location tation, lodging, and meals if a covered vehicle
where it is stuck if the vehicle is on or immedi- owned by you is not drivable as a result of a
ately next to a public road; loss which would be payable under Compre-
hensive Coverage or Collision Coverage. The
d. delivery of gas, oil, battery, or tire necessary to loss must occur more than 50 miles from your
return a covered vehicle to driving condition. home. We will only pay these expenses if they
We do not pay the cost of the gas, oil, battery, or are incurred by:
tire; and
(1) an insured during the period that:
e. up to one hour of labor for locksmith services to
unlock a covered vehicle if its key is lost, sto- (a) starts after the loss occurs; and
len, or locked inside the vehicle. (b) ends on the earlier of:
4. Car Rental and Travel Expenses Coverage (i) the insured’s arrival at their des-
a. Car Rental and Transportation Reimburse- tination or home if the vehicle is
ment Expense left behind for repairs; or
28 9813C
(ii) the repair of the vehicle if the in- insured or the owner of the covered vehicle, if
sured waits for repairs before the covered vehicle is not drivable; or
continuing on to their destination b. to any one repair facility or commercial storage fa-
or returning home; and cility, neither of which was chosen by an insured
(2) you, or any person you choose, to travel or the owner of the covered vehicle. We will also
to retrieve the vehicle and drive it to either pay reasonable expenses incurred to tow the cov-
the original destination or your home if the ered vehicle for a reasonable distance from this
vehicle was left behind for repairs. facility to any one repair facility chosen by an in-
These expenses must be reported to us before sured or the owner of the covered vehicle, if the
covered vehicle is not drivable;
we will pay such incurred expenses.
c. Rental Car – Repayment of Deductible Ex- 2. store the covered vehicle, if it is not drivable imme-
diately after the loss, at:
pense
We will pay the comprehensive coverage de- a. any one repair facility or commercial storage fa-
cility, neither of which was chosen by an in-
ductible or collision coverage deductible an in-
sured is required to pay the owner of a car sured or the owner of the covered vehicle; and
rented or loaned from a car business. b. any one repair facility chosen by the owner of
The deductible amount must be reported to us the covered vehicle, and we determine such
before we will pay. vehicle is a total loss.
Supplementary Pet Injury Coverage If the owner of the covered vehicle consents, then
we may move the covered vehicle at our expense
We will pay: to reduce storage costs. If the owner of the covered
1. veterinary expenses incurred for treatments, proce- vehicle does not consent, then we will pay only the
dures, or products for a cat or dog injured in a loss. storage costs that would have resulted if we had
Such injury must be diagnosed within 30 days of the moved the damaged covered vehicle; and
date of loss; and 3. clean up debris from the covered vehicle at the lo-
2. the cost to replace the cat or dog, if such injury results cation of the loss.
in death. Limit and Loss Settlement – Comprehensive Coverage
and Collision Coverage
The cat or dog must be occupying a covered vehicle
which sustains a loss for which we make a payment under 1. We have the right to choose to settle with you or the
Comprehensive Coverage or Collision Coverage. These owner of the covered vehicle in one of the following
expenses must be incurred within one year from the date ways:
of loss and must be reported to us before we will pay. a. Pay the cost to repair the covered vehicle
We will not pay more than $1,000 per animal. Subject to minus any applicable deductible.
the per animal limit, we will not pay more than $2,000 per (1) We have the right to choose one of the fol-
loss. lowing to determine the cost to repair the
Supplementary Payments – Comprehensive Coverage covered vehicle:
and Collision Coverage (a) The cost agreed to by both the owner
If the covered vehicle sustains loss for which we make a of the covered vehicle and us;
payment under Comprehensive Coverage or Collision Cov- (b) A bid or repair estimate approved by
erage, then we will pay reasonable expenses incurred to: us; or
1. tow the covered vehicle immediately after the loss: (c) A repair estimate that is written based
a. for a reasonable distance from the location of upon or adjusted to:
the loss to any one repair facility chosen by an (i) the prevailing competitive price;
29 9813C
(ii) the lower of paintless dent repair (1) The owner of the covered vehicle and we
pricing established by an agree- must agree upon the actual cash value of
ment we have with a third party or the covered vehicle. If there is disagree-
the paintless dent repair price that ment as to the actual cash value of the cov-
is competitive in the market; or ered vehicle, then the disagreement will
(iii) a combination of (i) and (ii) above. be resolved by appraisal upon written re-
quest of the owner or us. Either the owner
The prevailing competitive price or we may submit a written request to the
means prices charged by a majority of other party within 60 days after we offer to
the repair market in the area where pay the actual cash value of the covered
the covered vehicle is to be repaired vehicle. The appraisal will use the follow-
as determined by a survey made by ing procedures:
us. If asked, we will identify some fa-
(a) The owner and we will each select a
cilities that will perform the repairs at
competent appraiser.
the prevailing competitive price. The
estimate will include parts sufficient to (b) The two appraisers will select a third
restore the covered vehicle to its pre- competent appraiser. If they are una-
loss condition. ble to agree on a third appraiser within
You agree with us that the repair estimate 30 days, then either the owner or we
may include new, used, recycled, and re- may petition a court that has jurisdic-
conditioned parts. Any of these parts may tion to select the third appraiser.
be either original equipment manufacturer (c) Each party will pay the cost of its own
parts or non-original equipment manufac- appraiser, attorneys, and expert wit-
turer parts. nesses, as well as any other expenses
You also agree that replacement glass incurred by that party. Both parties
need not have any insignia, logo, trade- will share equally the cost of the third
mark, etching, or other marking that was on appraiser.
the replaced glass. (d) The appraisers shall only determine
the actual cash value of the covered
(2) The cost to repair the covered vehicle
vehicle. Appraisers shall have no au-
does not include any reduction in the value
thority to decide any other questions
of the covered vehicle after it has been re-
of fact, decide any questions of law, or
paired, as compared to its value before it
conduct appraisal on a class-wide or
was damaged.
class-representative basis.
(3) If the repair or replacement of a part results
(e) A written appraisal that is both agreed
in betterment of that part, then you or the
upon by and signed by any two ap-
owner of the covered vehicle must pay for
praisers, and that also contains an ex-
the amount of the betterment.
planation of how they arrived at their
(4) If you and we agree, then windshield glass appraisal, will be binding on the owner
will be repaired instead of replaced; of the covered vehicle and us.
b. Pay the actual cash value of the covered vehi- (f) We do not waive any of our rights by
cle minus any applicable deductible. submitting to an appraisal.
30 9813C
(2) The damaged covered vehicle must be “COVERAGES AND LIMITS” schedule on the
given to us in exchange for our payment, Declarations.
unless we agree that the owner may keep 2. Travel Expenses
it. If the owner keeps the covered vehicle,
then our payment will be reduced by the The most we will pay for Travel Expenses incurred by
value of the covered vehicle after the all insureds as a result of any one loss is $500.
loss; or 3. Rental Car – Repayment of Deductible Expense
c. Return the stolen covered vehicle to its owner The most we will pay for Rental Car – Repayment of
and pay, as described in 1.a. above, for any di- Deductible Expense incurred as a result of any one
rect, sudden, and accidental damage that re- loss is $500.
sulted from the theft.
Nonduplication
2. The most we will pay for transportation expenses un-
der Comprehensive Coverage is $25 per day subject We will not pay for any loss or expense under the Physical
to an aggregate limit of $750 per loss. Damage Coverages for which the insured or owner of the
covered vehicle has already received payment from, or
3. The most we will pay for loss to a non-owned trailer on behalf of, a party who is legally liable for the loss or
or a non-owned camper is $2,500. expense.
Limit – Car Rental and Travel Expenses Coverage Exclusions
1. Car Rental and Transportation Reimbursement THERE IS NO COVERAGE FOR:
Expense
1. ANY COVERED VEHICLE THAT IS:
a. The limit for Car Rental and Transportation Re-
imbursement Expense is shown in the “COVER- a. INTENTIONALLY DAMAGED; OR
AGES AND LIMITS” schedule on the b. STOLEN
Declarations.
BY, OR AT THE DIRECTION OF, AN INSURED. This
(1) The most we will pay per day for the daily does not apply to the extent of the ownership interest
transportation charge incurred as a result of an insured who did not cooperate in or contribute to
of any one loss to a covered vehicle the loss if the loss arose out of a pattern of criminal
owned by you is shown under “Each Day” domestic violence and the perpetrator of the loss is
for that covered vehicle owned by you. If: criminally prosecuted for the act causing the loss;
(a) a dollar amount is shown, then we will 2. ANY COVERED VEHICLE WHILE IT IS RENTED TO
pay the daily transportation charge OR LEASED TO OTHERS, BY AN INSURED, IN-
up to that dollar amount; or CLUDING PERSONAL VEHICLE SHARING, PEER-
TO-PEER CAR SHARING OR OTHER SIMILAR
(b) a percentage amount is shown, then PROGRAM;
we will pay that percentage of the 3. ANY COVERED VEHICLE WHILE IT IS:
daily transportation charge.
a. MADE AVAILABLE; OR
(2) Subject to (1) above, the most we will pay
for daily transportation charge incurred b. BEING USED
as a result of any one loss to a covered TO CARRY PERSONS FOR A CHARGE. This exclu-
vehicle owned by you is the dollar amount sion does not apply to the use of a private passen-
shown under “Each Loss” for that covered ger car on a share-the-expense basis;
vehicle owned by you.
4. ANY COVERED VEHICLE DUE TO:
b. The Car Rental and Transportation Reimburse-
ment Expense limit that applies to a newly ac- a. THEFT;
quired car is the highest limit shown in the b. CONVERSION;
31 9813C
c. EMBEZZLEMENT; OR c. LEASE AGREEMENT; OR
d. SECRETION d. SALES AGREEMENT
BY AN INSURED, A CONSIGNEE, AN AGENT OF NOT SHOWN ON THE DECLARATIONS;
A CONSIGNEE, OR A PERSON WHO OBTAINS 12. ANY NON-OWNED CAR WHILE IT IS:
POSSESSION OF THE COVERED VEHICLE WITH
THE PERMISSION OF A CONSIGNEE OR AGENT a. BEING MAINTAINED OR USED BY ANY PER-
OF A CONSIGNEE; SON WHILE THAT PERSON IS EMPLOYED IN
OR ENGAGED IN ANY WAY IN A CAR BUSI-
5. LOSS TO A COVERED VEHICLE OWNED BY YOU
NESS; OR
IF AN INSURED VOLUNTARILY RELINQUISHES
POSSESSION OF THAT CAR TO A PERSON OR b. USED IN ANY BUSINESS OR OCCUPATION
ORGANIZATION UNDER AN ACTUAL OR PRE- OTHER THAN A CAR BUSINESS. This exclu-
SUMED SALES AGREEMENT; sion (12.b.) does not apply to a private passen-
ger car;
6. ANY COVERED VEHICLE TO THE EXTENT OUR
PAYMENT WOULD BENEFIT ANY CARRIER OR 13. ANY PART OR EQUIPMENT OF A COVERED
OTHER BAILEE FOR HIRE THAT IS LIABLE FOR VEHICLE IF THAT PART OR EQUIPMENT:
LOSS TO SUCH COVERED VEHICLE; a. FAILS OR IS DEFECTIVE; OR
7. LOSS TO ANY COVERED VEHICLE DUE TO b. IS DAMAGED AS A DIRECT RESULT OF:
FUNGI. THIS APPLIES REGARDLESS OF
WHETHER OR NOT THE FUNGI RESULT FROM A (1) WEAR AND TEAR;
LOSS THAT IS PAYABLE UNDER ANY OF THE (2) FREEZING; OR
PHYSICAL DAMAGE COVERAGES. WE WILL
ALSO NOT PAY FOR ANY TESTING OR REMEDIA- (3) MECHANICAL, ELECTRICAL, OR ELEC-
TION OF FUNGI, OR ANY ADDITIONAL COSTS RE- TRONIC BREAKDOWN OR MALFUNC-
QUIRED TO REPAIR ANY COVERED VEHICLE TION
THAT ARE DUE TO THE EXISTENCE OF FUNGI; OF THAT PART OR EQUIPMENT.
8. LOSS TO ANY COVERED VEHICLE THAT RE- This exclusion does not apply if the loss is the result
SULTS FROM: of theft of the covered vehicle;
a. NUCLEAR REACTION; 14. ANY PART OR EQUIPMENT:
b. RADIATION OR RADIOACTIVE CONTAMINA- a. THAT IS NOT LEGAL FOR USE IN OR ON THE
TION FROM ANY SOURCE; OR COVERED VEHICLE IN THE JURISDICTION
c. THE ACCIDENTAL OR INTENTIONAL DETONA- WHERE THE COVERED VEHICLE IS REGIS-
TION OF, OR RELEASE OF RADIATION FROM, TERED; OR
ANY NUCLEAR OR RADIOACTIVE DEVICE; b. THE USE OF WHICH IS NOT LEGAL IN THE JU-
9. LOSS TO ANY COVERED VEHICLE THAT RE- RISDICTION WHERE THE COVERED VEHICLE
SULTS FROM THE TAKING OF OR SEIZURE OF IS REGISTERED BECAUSE OF HOW OR
THAT COVERED VEHICLE BY ANY GOVERNMEN- WHERE THAT PART OR EQUIPMENT IS IN-
TAL AUTHORITY; STALLED IN OR ON THE COVERED VEHICLE.
10. LOSS TO ANY COVERED VEHICLE THAT However, if there is a legal version of the part or equip-
RESULTS FROM WAR OF ANY KIND; ment that is necessary for the safe operation of the
11. A COVERED VEHICLE THAT IS A YOUR CAR covered vehicle, then we will pay the cost that we
WHILE SUBJECT TO ANY: would otherwise have paid to repair the vehicle with the
legal version of the part or equipment. We will not pay
a. LIEN AGREEMENT; any cost necessary to modify the vehicle for installa-
b. RENTAL AGREEMENT; tion of the legal version of the part or equipment;
32 9813C
15. TIRES. This exclusion does not apply if: by this policy, then only the one coverage that pays
the most for that loss or expense applies.
a. loss is caused by missiles, falling objects, wind-
storm, hail, fire, explosion, earthquake, water, 2. If any of the physical damage coverages provided by
flood, total or partial theft, malicious mischief, this policy and one or more other policies issued to
vandalism, riot, civil commotion, or hitting or be- an insured by the State Farm Companies apply to
ing hit by a bird or an animal; or the same loss or expense, then only one policy ap-
plies. We will select a policy that pays the most for the
b. loss caused by collision to another part of the
covered vehicle causes loss to tires; loss or expense.
3. The physical damage coverages provided by this pol-
16. REMOVABLE PRODUCTS USED FOR STORAGE icy apply as primary coverage for a loss to a your
OF AUDIO, VIDEO, OR OTHER DATA, INCLUDING car.
BUT NOT LIMITED TO TAPES, DISCS, AND
MEMORY CARDS, NOR IS THERE COVERAGE If similar coverage provided by one or more sources
FOR THE RECONSTRUCTION OF DATA CON- other than the State Farm Companies also applies as
TAINED THEREIN; primary coverage for the same loss or expense, then
the State Farm Companies will pay the proportion of
17. ANY EQUIPMENT USED TO DETECT OR INTER- the loss or expense payable as primary that the maxi-
FERE WITH SPEED MEASURING DEVICES; mum amount that may be paid by the State Farm
18. A CAMPER, INCLUDING ITS PARTS AND ITS Companies bears to the sum of such amount and the
EQUIPMENT, THAT IS: limits of all other similar coverage that applies as pri-
mary coverage.
a. DESIGNED TO BE MOUNTED ON A PICKUP
TRUCK; 4. Except as provided in 3. above, the physical damage
coverages provided by this policy apply as excess
b. OWNED BY AN INSURED; AND coverage.
c. NOT SHOWN ON THE DECLARATIONS; OR If similar coverage provided by one or more sources
19. ANY COVERED VEHICLE WHILE IT IS: other than the State Farm Companies also applies
as excess coverage for the same loss or expense,
a. BEING PREPARED FOR, USED IN PRACTICE then the State Farm Companies will pay the propor-
FOR, OR OPERATED IN ANY PREAR- tion of the loss or expense payable as excess that
RANGED OR ORGANIZED RACING CON- the maximum amount that may be paid by the State
TEST, SPEED CONTEST, HILL-CLIMBING Farm Companies bears to the sum of such amount
CONTEST, JUMPING CONTEST, OR ANY and the limits of all other similar coverage that applies
SIMILAR CONTEST; OR as excess coverage.
b. ON A TRACK DESIGNED PRIMARILY FOR Financed Vehicle
RACING OR HIGH-SPEED DRIVING AND BE-
ING PREPARED FOR, USED IN PRACTICE 1. If a creditor is shown on the Declarations in relation
FOR, OR OPERATED IN ANY PREAR- to any vehicle shown in the “VEHICLE SCHEDULE”
RANGED OR ORGANIZED RACING CON- on the Declarations, then any Comprehensive Cover-
TEST, SPEED CONTEST, OR ANY SIMILAR age or Collision Coverage provided by this policy for
CONTEST. This exclusion (19.b.) does not ap- that vehicle also applies to that creditor’s interest in
ply if the vehicle is being used in connection with that vehicle. Coverage for the creditor’s interest is
an activity other than racing, high-speed driving, only provided for a loss that is payable to you.
or any type of competitive driving. However, if this policy is cancelled or nonrenewed,
If Other Physical Damage Coverage or Similar Cover- then we will provide coverage for the creditor’s inter-
age Applies est until we notify the creditor of the termination of
such coverage. This coverage for the creditor’s inter-
1. If the same loss or expense is payable under more est is only provided for a loss that would have been
than one of the physical damage coverages provided payable to you if this policy had not been cancelled
33 9813C
or nonrenewed. The date such termination is effec- b. We may, at our option, make payment to one or
tive will be at least 10 days after the date we provide more of the following for loss to a covered ve-
notice of the termination to the creditor. hicle not owned by you:
2. If we pay such creditor, then we are entitled to the (1) You;
creditor’s right of recovery against you to the extent
of our payment. Our right of recovery does not im- (2) The owner of such vehicle;
pair the creditor’s right to recover the full amount of (3) The repairer; or
its claim.
(4) A creditor, to the extent of its interest.
Our Payment Options
1. Comprehensive Coverage and Collision Coverage 2. Emergency Road Service Coverage and Car
Rental and Travel Expenses Coverage
a. We may, at our option, make payment to one or
more of the following for loss to a covered ve- We may, at our option, make payment to one or more
hicle owned by you: of the following:
(1) You; a. You;

(2) The repairer; or b. The insured who incurred the expense; or
(3) A creditor shown on the Declarations, to the c. Any party that provided the service for which
extent of its interest. payment is owed.
DEATH, DISMEMBERMENT AND LOSS OF SIGHT COVERAGE AND

LOSS OF EARNINGS COVERAGE
DEATH, DISMEMBERMENT AND LOSS OF SIGHT as the direct result of an accident that involves the use of
COVERAGE a land motor vehicle or any type of trailer as a vehicle and
This policy provides Death, Dismemberment and Loss of not due to any other cause.
Sight Coverage if a premium is shown under “Coverage The insured must be occupying or be struck as a pedes-
Symbol S” in the “POLICY PREMIUM” schedules on the
trian by a land motor vehicle or any type of trailer at the
Declarations.
time of the accident. The death, dismemberment, or per-
Additional Definition manent loss of sight must occur within 90 days immedi-
Insured means a person whose name is shown under ately following the date of the accident.
“Death, Dismemberment and Loss of Sight Coverage – Benefit
Persons Insured” on the Declarations.
The applicable benefit shown in the schedule is the most
Insuring Agreement we will pay for any one insured in any one accident. Any
We will pay the highest applicable benefit shown in the fol- benefit paid or payable for dismemberment or permanent
lowing Death, Dismemberment and Loss of Sight Benefits loss of sight reduces the death benefit.
Schedules if an insured:
The benefits shown in the schedules are doubled for an
1. dies; or insured who at the time of the accident was occupying a
2. suffers dismemberment or permanent loss of sight, private passenger car and using a seat belt in the man-
as described in the schedule ner recommended by the vehicle’s manufacturer.
34 9813C
Death, Dismemberment and
Loss of Sight Benefits Schedules
If the dollar amount shown under “Limit” in the “COVERAGES AND LIMITS” schedule on the Declarations is $5,000, then
we will pay the applicable benefit shown below for death or for the described dismemberment or permanent loss of sight:
Death $5,000
Loss of both hands; both feet; all sight of both eyes; one hand and one foot; or one hand or one foot and all $5,000
sight of one eye
Loss of one hand or one foot; or all sight of one eye $2,500
Loss of the thumb and a finger on one hand; or any three fingers $1,500
Loss of any two fingers $1,000
The hand must be cut off through or above the wrist. The foot must be cut off through or above the ankle. The whole
thumb or finger must be cut off.
If the dollar amount shown under “Limit” in the “COVERAGES AND LIMITS” schedule on the Declarations is $10,000, then
we will pay the applicable benefit shown below for death or for the described dismemberment or permanent loss of sight:
Death $10,000
Loss of both hands; both feet; all sight of both eyes; one hand and one foot; or one hand or one foot and all $10,000
sight of one eye
Loss of one hand or one foot; or all sight of one eye $5,000
Loss of the thumb and a finger on one hand; or any three fingers $3,000
Loss of any two fingers $2,000
The hand must be cut off through or above the wrist. The foot must be cut off through or above the ankle. The whole
thumb or finger must be cut off.
LOSS OF EARNINGS COVERAGE Insuring Agreement

This policy provides Loss of Earnings Coverage if a pre- We will pay the insured’s loss of weekly earnings, which
mium is shown under “Coverage Symbol Z” in the “POL- occur while the insured is living, due to continuous total
ICY PREMIUM” schedules on the Declarations. disability that:
1. is the direct result of bodily injury caused by an ac-
cident that involves the use of a land motor vehicle or
Insured means a person whose name is shown under any type of trailer as a vehicle and not due to any
“Loss of Earnings Coverage – Persons Insured” on the other cause. At the time of the accident, the insured
Declarations. must be occupying or be struck as a pedestrian by
a land motor vehicle or any type of trailer; and
Total Disability means the insured’s inability to work, ei-
2. starts within 20 days immediately following the date
ther full or part time, in their occupation or any other similar of the accident and lasts for a period of at least 30
occupation for which he or she is reasonably fitted by ed- consecutive days. We will not pay for the first seven
ucation, training, or experience. days of the 30 day period.
Weekly Earnings means 85% of all earnings for the in- Limit
sured’s services before any deductions. When weekly The most we will pay any one insured is:
earnings cannot be determined on a weekly basis an av-
erage will be used. The average is 85% of the total earn- 1. $250 for each full workweek of total disability; and
ings for the 52 weeks just prior to the accident divided by 2. a pro rata portion of $250 for less than a full workweek
52. of total disability.
35 9813C
Subject to 1. and 2. above, the most we will pay any one 3. WHILE OCCUPYING, LOADING, UNLOADING, OR
insured for all loss of weekly earnings due to any one WHO IS STRUCK AS A PEDESTRIAN BY:
accident is $15,000. a. A MOTOR VEHICLE THAT RUNS ON RAILS
We will pay once every two weeks the insured’s loss of OR CRAWLER-TREADS;
weekly earnings owed. b. A MOTOR VEHICLE THAT IS DESIGNED FOR
USE PRIMARILY OFF PUBLIC ROADS WHILE
Exclusions – Death, Dismemberment and Loss of
OFF PUBLIC ROADS; OR
Sight Coverage and Loss of Earnings Coverage
c. A MOTOR VEHICLE OR ANY TYPE OF
DEATH, DISMEMBERMENT AND LOSS OF SIGHT TRAILER, EITHER OF WHICH IS LOCATED FOR
COVERAGE AND LOSS OF EARNINGS COVERAGE DO USE AS A DWELLING OR OTHER PREMISES;
NOT APPLY TO AN INSURED: OR
1. WHILE IN THE COURSE AND SCOPE OF THEIR 4. FOR DEATH, DISMEMBERMENT, LOSS OF
EMPLOYMENT IN A CAR BUSINESS; SIGHT, OR TOTAL DISABILITY THAT RESULTS
FROM:
2. WHILE OCCUPYING, LOADING, OR UNLOADING:
a. WAR OF ANY KIND;
a. AN EMERGENCY VEHICLE IN THE COURSE
AND SCOPE OF THEIR EMPLOYMENT; b. NUCLEAR REACTION, RADIATION OR RADI-
OACTIVE CONTAMINATION FROM ANY
b. A VEHICLE, OTHER THAN AN EMERGENCY SOURCE, OR THE ACCIDENTAL OR INTEN-
VEHICLE, WHILE USED IN THE: TIONAL DETONATION OF, OR RELEASE OF
(1) INSURED’S BUSINESS; OR RADIATION FROM, ANY NUCLEAR OR RADI-
OACTIVE DEVICE;
(2) COURSE AND SCOPE OF THEIR EM-
PLOYMENT IN OTHER THAN A CAR c. THE DISCHARGE OF A FIREARM;
BUSINESS. d. EXPOSURE TO FUNGI;
This exclusion (2.b.) does not apply if the vehicle e. SUICIDE OR ATTEMPTED SUICIDE REGARD-
is a private passenger car;
LESS OF WHETHER THE INSURED WAS
c. A MILITARY VEHICLE; OR SANE OR INSANE; OR
d. A VEHICLE WHILE IT IS: f. DISEASE except pus-forming infection due to
(1) BEING PREPARED FOR, USED IN bodily injury sustained in the accident.
PRACTICE FOR, OR OPERATED IN Our Payment Options – Death, Dismemberment and
ANY PREARRANGED OR ORGANIZED Loss of Sight Coverage and Loss of Earnings Cover-
RACING CONTEST, SPEED CONTEST, age
HILL-CLIMBING CONTEST, JUMPING
CONTEST, OR ANY SIMILAR CON- We may, at our option, make payment to one or more of
TEST; OR the following:
(2) ON A TRACK DESIGNED PRIMARILY 1. The insured;

FOR RACING OR HIGH-SPEED DRIV- 2. The insured’s surviving spouse;
ING. This exclusion (2.d.(2)) does not ap-
ply if the vehicle is being used in 3. A parent or guardian of the insured, if the insured is
a minor or an incompetent person; or
connection with an activity other than rac-
ing, high-speed driving, or any type of 4. A person or organization authorized by law to receive
competitive driving; such payment.
36 9813C
INSURED’S DUTIES
1. Notice to Us of an Accident or Loss b. Medical Payments Coverage, Uninsured Motor
The insured must give us or one of our agents notice Vehicle Coverage, Underinsured Motor Vehicle
of the accident or loss as soon as reasonably possi- Coverage, Death, Dismemberment and Loss of
Sight Coverage, or Loss of Earnings Coverage,
ble. The notice must give us:
each insured, or any other person or organiza-
a. your name; tion making claim or seeking payment; and
b. the names and addresses of all persons in- c. Physical Damage Coverages, each insured or
volved in the accident or loss; owner of a covered vehicle, or any other per-
c. the hour, date, place, and facts of the accident son or organization making claim or seeking
or loss; and payment;
d. the names and addresses of witnesses to the must, at our option, submit to an examination under
accident or loss. oath, provide a statement under oath, or do both, as
reasonably often as we require. Such person or or-
2. Notice to Us of a Claim or Lawsuit ganization must answer questions under oath, asked
a. If a claim is made against an insured, then that by anyone we name, and sign copies of the answers.
insured must immediately send us every de- We may require each person or organization an-
mand, notice, and claim received. swering questions under oath to answer the ques-
tions with only that person’s or organization’s legal
b. If a lawsuit is filed against an insured, then that representative, our representatives, any person or
insured must immediately send us every sum- persons designated by us to record the questions
mons and legal process received. and answers, and no other person present.
3. Insured’s Duty to Cooperate With Us 5. Other Duties Under the Physical Damage Cover-
a. The insured must cooperate with us and, when ages and Uninsured Motor Vehicle Coverage –
asked, assist us in: Property Damage
When there is a loss, you or the owner of the cov-
(1) making settlements;
ered vehicle must:
(2) securing and giving evidence; and a. protect the covered vehicle from additional
(3) attending, and getting witnesses to attend, damage. We will pay any reasonable expense
depositions, hearings, and trials. incurred to do so that is reported to us;
b. The insured must not, except at their own cost, b. make a prompt report to the police when the
loss is the result of theft;
voluntarily:
c. allow us to:
(1) make any payment to others; or
(1) inspect any damaged property:
(2) assume any obligation to others
(a) before its repair or disposal; and
unless authorized by the terms of this policy.
(b) during its repair;
c. Any person or organization making claim under (2) test any part or equipment before that part
this policy must, when we require, give us proof or equipment is removed or repaired; and
of loss on forms we furnish.
(3) move the covered vehicle at our expense in
4. Questioning Under Oath order to conduct such inspection or testing;
Under: d. provide us all:
a. Liability Coverage, each insured; (1) records;
37 9813C
(2) receipts; (3) provide written authorization for us to
obtain medical bills, medical records,
(3) invoices; and
wage information, salary information,
(4) authorizations employment information, and any other in-
that we request and allow us to make copies; formation we deem necessary to substan-
tiate the claim.
e. not abandon the covered vehicle to us;
Such authorizations must not:
f. properly complete and provide all legal docu-
ments required to transfer vehicle ownership to (a) restrict us from performing our busi-
us upon payment of the actual cash value of the ness functions in:
covered vehicle, less any applicable deducti- (i) obtaining records, bills, infor-
ble; and mation, and data; nor
g. provide us the name and address of the owner (ii) using or retaining records, bills,
of the at-fault uninsured motor vehicle. If una- information, and data collected or
vailable, you must give us: received by us;
(1) the registration number and a description of (b) require us to violate federal or state
the at-fault uninsured motor vehicle; or laws or regulations;
(2) any other available information that estab- (c) prevent us from fulfilling our data re-
lishes that the owner or operator does not porting and data retention obligations
have property damage liability coverage to insurance regulators; or
applicable to the accident.
(d) prevent us from disclosing claim infor-
6. Other Duties Under Medical Payments Coverage, mation and data:
Uninsured Motor Vehicle Coverage – Bodily In- (i) to enable performance of our
jury, Underinsured Motor Vehicle Coverage, business functions;
Death, Dismemberment and Loss of Sight Cover-
age, or Loss of Earnings Coverage (ii) to meet our reporting obligations
to insurance regulators;
A person making claim under:
(iii) to meet our reporting obligations
a. Medical Payments Coverage, Uninsured Motor to insurance data consolidators;
Vehicle Coverage – Bodily Injury, Underinsured and
Motor Vehicle Coverage, Death, Dismember-
ment and Loss of Sight Coverage, or Loss of (iv) as otherwise permitted by law.
Earnings Coverage must: If an injured insured is a minor, unable to
(1) notify us of the claim and give us all the act, or dead, then their legal representative
must provide us with the written authoriza-
details about the death, injury, treatment,
and other information that we may need as tion.
soon as reasonably possible after the in- If the holder of the information refuses to
jured insured is first examined or treated provide it to us despite the authorization,
for the injury. If the insured is unable to then at our request the person making
give us notice, then any other person may claim or their legal representative must ob-
give us the required notice; tain the information and promptly provide it
(2) be examined as reasonably often as we to us;
may require by physicians chosen and paid (4) submit to us all information we need to
by us. A copy of the report will be sent to comply with federal and state laws and reg-
the person upon written request; ulations; and
38 9813C
(5) allow us to inspect the vehicle that the in- insured files a lawsuit against the party liable for
sured occupied in the accident; the accident; and
b. Uninsured Motor Vehicle Coverage must report d. Loss of Earnings Coverage must:
an accident involving a motor vehicle whose (1) make a claim under this policy;
owner and driver remain unknown to the police
within 24 hours and to us within 30 days; (2) report to us when that person has a total
disability; and
c. Uninsured Motor Vehicle Coverage and Under-
insured Motor Vehicle Coverage must send us (3) provide proof of continued total disability
immediately a copy of all lawsuit papers if the when we ask for it.
GENERAL TERMS
1. When Coverage Applies and as a nonresident becomes subject to its mo-
The coverages provided by this policy are shown on tor vehicle compulsory insurance law, financial
the Declarations and apply to accidents and losses responsibility law, or similar law; and
that occur during the policy period. The policy period b. this policy does not provide at least the minimum
is shown on the Declarations and is for successive amounts and types of coverage required by
periods of six months each for which the renewal pre- such law for such nonresident,
mium is paid. The policy period begins and ends at
then this policy will be interpreted to provide the min-
12:01 AM Standard Time at the address shown on imum amounts and types of coverage required by
the Declarations. such law for such nonresident.
2. Where Coverage Applies This provision does not apply to coverage required by
The coverages provided by this policy are shown on law for motor carriers of passengers or motor carriers
the Declarations and apply to accidents and losses of property.
that occur: 4. Financial Responsibility Certification
a. in the United States of America and its territories When this policy is certified under any law as proof of
and possessions; future financial responsibility, and while required dur-
ing the policy period, this policy will comply with such
b. in Canada; and law to the extent required.
c. while a vehicle for which coverage is provided 5. Limited Coverage in Mexico
by this policy is being shipped between the ports This policy does not provide Mexican auto insurance
of the United States of America, its territories, its and does not comply with Mexican auto insurance re-
possessions, and Canada. quirements. If you or any other insured plan to drive
Death, Dismemberment and Loss of Sight Coverage in Mexico, then auto insurance providing coverage in
Mexico should be purchased from a Mexican insur-
and Loss of Earnings Coverage apply anywhere in
ance company.
the world.
Subject to the above paragraph, the following cover-
3. Required Out-of-State Coverage ages apply in Mexico, but only for accidents and
If: losses that occur in Mexico within 50 miles of the
United States of America border and only for insureds
a. this policy provides Liability Coverage and an in- as defined under each of the following coverages:
sured, as defined under the Liability Coverage
of this policy, is in another state of the United a. Liability Coverage
States of America, a territory or possession of For claims brought against an insured in Mexico,
the United States of America, the District of Co- the Supplementary Payments provision of this
lumbia, or any province or territory of Canada, policy’s Liability Coverage is changed to read:
39 9813C
We may, in addition to the damages de- If Other Coverage Applies
scribed in item 1. of the Insuring Agree-
Any coverage provided by this Limited Coverage in
ment of this policy’s Liability Coverage, pay Mexico provision is excess over any other applicable
or reimburse, at our option, reasonable at- insurance.
torney fees for an attorney licensed in Mex-
ico to appear for and provide advice to Legal Action Against Us
insureds as defined under this policy’s Li- Any legal action against us arising out of an acci-
ability Coverage. The amount of such attor- dent or loss occurring in Mexico must be brought
ney fees incurred by an insured must be in an Illinois state court or a United States District
reported to us before we will make pay- Court that has jurisdiction.
ment.
6. Newly Owned or Newly Leased Car
b. Medical Payments Coverage If you want to insure a car newly owned by you with
c. Uninsured Motor Vehicle Coverage – Bodily the State Farm Companies after that car ceases to
Injury and Underinsured Motor Vehicle Cov- be a newly acquired car, then you must either:
erage a. request we replace a car currently shown on the
d. Uninsured Motor Vehicle Coverage – Prop- Declarations of this policy with the car newly
erty Damage owned by you and pay us any added amount
due. If you make such request while this policy
Any amount payable for the repair or replace- is in force and:
ment of property damage under the Settle-
ment of Loss for Property Damage provision (1) before the car newly owned by you ceases
of this policy will be limited to the cost to repair to be a newly acquired car, then that car
or replace the property damage in the United newly owned by you will be insured by this
States of America. policy as a your car beginning on the date the
car newly owned by you is delivered to you.
e. Physical Damage Coverages The added amount due will be calculated
Any amount payable for the repair or replace- based on that date; or
ment of the covered vehicle under the Limit (2) after the car newly owned by you ceases
and Loss Settlement – Comprehensive Cov- to be a newly acquired car, then that car
erage and Collision Coverage provision of this newly owned by you will be insured by this
policy will be limited to the cost to repair or re- policy as a your car beginning on the date
place the covered vehicle in the United States and time you make the request. The added
of America. amount due will be calculated based on
that date; or
WE HAVE NO DUTY TO PROVIDE A DEFENSE b. apply to the State Farm Companies for sepa-
FOR YOU OR ANY OTHER INSURED IN ANY rate coverage to insure the car newly owned by
CRIMINAL, CIVIL, OR OTHER ACTION. you. Such coverage will be provided only if both
WE HAVE NO DUTY TO PAY ANY CLAIM OR COST the applicant and the vehicle are eligible for cov-
THAT WOULD NOT BE PAYABLE UNDER THIS erage at the time of the application. A vehicle
newly owned by you or newly leased by you is
POLICY IF THE ACCIDENT OR LOSS HAD OC-
not eligible for coverage under this policy if this
CURRED IN THE STATE OF ILLINOIS IN THE policy is endorsed with the Certificate of Guar-
UNITED STATES OF AMERICA. anteed Renewal endorsement; or
All other policy provisions not in conflict with the pro- c. apply to the State Farm Companies for a sep-
visions in this Limited Coverage in Mexico provision arate policy to insure the car newly owned by
of this policy apply. you. Such policy will be issued only if both the
40 9813C
applicant and the vehicle are eligible for cover- c. Joint and Individual Interests
age at the time of the application. If you consists of more than one person or en-
If a resident relative wants to insure a car newly tity, then each acts for all to change or cancel
owned by the resident relative with the State Farm the policy.
Companies after that car ceases to be a newly ac- d. Change of Policy Address
quired car, then the resident relative must apply to
the State Farm Companies for a separate policy to We may change the named insured’s policy ad-
insure the car newly owned by the resident relative. dress as shown on the Declarations and in our
Such policy will be issued only if both the applicant records to the most recent address provided to
and the vehicle are eligible for coverage at the time us by:
of the application. (1) you; or
7. Changes to This Policy (2) the United States Postal Service.
a. Changes in Policy Provisions 8. Premium
We may only change the provisions of this policy a. Unless as otherwise provided by an alternative
by: payment plan in effect with the State Farm
(1) issuing a revised policy booklet, a revised Companies with respect to the premium for this
Declarations, or an endorsement; or policy, the premium is due and payable in full on
(2) revising this policy to give broader cover- or before the first day of the policy period shown
age without an additional premium charge. on the most recently issued Declarations.
If any coverage provided by this policy is b. The renewal premium for this policy will be
changed to give broader coverage, then we based upon the rates in effect, the coverages
will give you the broader coverage as of the carried, the applicable limits, deductibles, and
date we make the change effective in the other elements that affect the premium that ap-
state of Illinois without issuing a revised ply at the time of renewal.
policy booklet, a revised Declarations, or c. The premium for this policy may vary based
an endorsement. upon:
b. Change of Interest
(1) the purchase of other products or services
(1) No change of interest in this policy is effec- from the State Farm Companies;
tive unless we consent in writing.
(2) the purchase of products or services from
(2) Except under Death, Dismemberment and an organization that has entered into an
Loss of Sight Coverage, and Loss of Earnings agreement or contract with the State Farm
Coverage, if a person shown as a named Companies. The State Farm Companies
insured on the Declarations dies, then the do not warrant the merchantability, fitness,
definition of insured under each of the cov- or quality of any product or service offered
erages provided by this policy is changed or provided by that organization; or
to include:
(3) an agreement, concerning the insurance
(a) any person with lawful custody of a provided by this policy, that the State Farm
your car, a newly acquired car, or a Companies has with an organization of
temporary substitute car until a legal which you are a member, employee, sub-
representative is qualified; and then scriber, licensee, or franchisee.
(b) the legal representative of the de- d. The premium for this policy is based upon infor-
ceased named insured. mation we have received from you or other
This only applies while such person is main- sources. You must inform us if any information
taining or using a your car, a newly acquired regarding the following is incorrect or incom-
car, or a temporary substitute car. plete, or changes during the policy period, and
41 9813C
you must answer questions we ask regarding (1) If we provide a cancellation notice because
the following: the premium is not paid when due, then the
(1) Your cars, or their use, including annual date cancellation is effective will be at least
mileage; 10 days after the date notice is provided.
(2) The persons who regularly drive a your Otherwise, the date cancellation is effective
car, including newly licensed family mem- will be at least 30 days after the date notice
bers; is provided.
(3) Your marital status; or (2) After this policy has been in force for more
than 59 days, we will not cancel this policy
(4) The location where your cars are primarily before the end of the current policy period
garaged.
unless:
If the above information or any other information
(a) the premium is not paid when due; or
used to determine the premium is incorrect, incom-
plete, changes during the policy period, or is not (b) you, any resident relative, or any
provided to us when we ask, then we may de- other person who usually drives a
crease or increase the premium during the policy your car has had their driver’s license
period. If we decrease the premium during the pol- under suspension or revocation dur-
icy period, then we will provide a refund or a credit ing the 12 months prior to the notice of
in the amount of the decrease. If we increase the cancellation.
premium during the policy period, then you must
pay the amount of the increase. (3) After this policy has been in force for 5 or
more years, we will not cancel this policy
9. Renewal before the end of the current policy period
We agree to renew this policy for the next policy pe- unless:
riod upon payment of the renewal premium when (a) the premium is not paid when due; or
due, unless we provide a nonrenewal notice or a can-
cellation notice as set forth in the Nonrenewal and (b) you, any resident relative, or any
Cancellation provisions. other person who usually drives a
your car has:
10. Nonrenewal
(i) had their driver’s license under
If we decide not to renew this policy, then, at least suspension or revocation during
30 days before the end of the current policy period, the 12 months prior to the notice
we will provide a nonrenewal notice to a named in- of the cancellation; or
sured shown on the Declarations.
(ii) is or becomes subject to epilepsy
11. Cancellation or heart attacks, and such indi-
a. How You May Cancel vidual does not produce a certifi-
cate from a physician testifying to
You may cancel this policy by providing to us their unqualified ability to operate
advance notice of the date cancellation is effec- a motor vehicle safely; or
tive. We may confirm the cancellation in writing.
(iii) an accident record, conviction
b. How and When We May Cancel record (criminal or traffic), or a
We may cancel this policy by providing notice to physical or mental condition
a named insured shown on the Declarations. which is such that his operation
The notice will provide the date cancellation is of an automobile might endanger
effective. the public safety; or
42 9813C
(iv) within the 36 months prior to the another in the presentation of such a
notice of non-renewal, been ad- claim; or
dicted to the use of narcotics or
g. the insured automobile is:
other drugs; or
(v) been convicted or forfeited bail, (i) so mechanically defective that its
during the 36 months immedi- operation might endanger public
ately preceding the notice of non- safety; or
renewal, for any felony, criminal (ii) used in carrying passengers for
negligence resulting in death, hire or compensation (the use of
homicide or assault arising out of an automobile for a car pool shall
the operation of a motor vehicle, not be considered use of an au-
operating a motor vehicle while in
tomobile for hire or compensa-
an intoxicated condition or while
under the influence of drugs, be- tion); or
ing intoxicated while in or about (iii) Used in the business of transpor-
an automobile or while having tation of flammables or explo-
custody of an automobile, leav- sives; or
ing the scene of an accident with-
out stopping to report, theft or (iv) An authorized emergency vehi-
unlawful taking of a motor vehicle; or
cle, making false statements in (v) Changed in shape or condition
an application for an operators or during the policy period so as to
chauffeurs license, or has been increase the risk substantially; or
convicted or forfeited bail for 3 or
more violations within the 12 (vi) Subject to an inspection law and
it has not been inspected or, if in-
months immediately preceding
the notice of non-renewal, of any spected, has failed to qualify; or
law, ordinance or regulation limit- h. the notice of the intention not to renew
ing the speed of motor vehicles is mailed to the insured at least 60
or any of the provisions of the days before the date of nonrenewal.
motor vehicle laws of any state,
violation of which constitutes a c. Return of Unearned Premium
misdemeanor, whether or not the
If you or we cancel this policy the premium will
violations were repetitions of the
same offense or different of- be earned on a pro rata basis. Any unearned
fenses; or premium will be returned within 30 days of:
c. the policy was obtained through a ma- (1) the date of the notice of cancellation by us; or
terial misrepresentation; or
(2) the date we receive your request for can-
d. any insured violated any of the terms cellation.
and conditions of the policy; or
12. Assignment
e. the named insured failed to disclose
fully their motor vehicle accidents and No assignment of benefits or other transfer of rights
moving traffic violations for the pre- is binding upon us unless approved by us.
deding 36 months, if such information
is called for in the application; or 13. Bankruptcy or Insolvency of the Insured
f. any insured made a false or fraudulent Bankruptcy or insolvency of the insured or their estate
claim or knowingly aided or abetted will not relieve us of our obligations under this policy.
43 9813C
14. Concealment or Fraud (2) we fail to advance the insured an amount
equal to the tentative settlement within 30
There is no coverage under this policy if you or any
other person insured under this policy has made days after we receive the notice.
false statements with the intent to conceal or misrep- 16. Legal Action Against Us
resent any material fact or circumstance in connec- Legal action may not be brought against us until there
tion with any claim under this policy. has been full compliance with all the provisions of this
15. Our Right to Recover Our Payments policy. In addition, legal action may only be brought
Death, Dismemberment and Loss of Sight Coverage against us regarding:
and Loss of Earnings Coverage payments are not re- a. Liability Coverage after the amount of damages
coverable by us. Except as provided in 15.c. below, an insured is legally liable to pay has been fi-
the following apply to all other coverages: nally determined by:
a. Subrogation (1) judgment after an actual trial, and any ap-
peals of that judgment if any appeals are
If we are obligated under this policy to make
payment to or for a person or organization who taken; or
has a legal right to collect from another person (2) agreement between the claimant and us.
or organization, then we will be subrogated to b. Medical Payments Coverage if the legal action
that right to the extent of our payment. relating to this coverage is brought against us
The person or organization to or for whom we within four years immediately following the date
make payment must help us recover our pay- of the accident.
ments by:
c. Uninsured Motor Vehicle Coverage – Bodily In-
(1) doing nothing to impair that legal right; jury if the insured or that insured’s legal repre-
sentative:
(2) executing any documents we may need to
assert that legal right; and (1) presents an Uninsured Motor Vehicle Cov-
erage claim to us; and
(3) taking legal action through our representa-
tives when we ask. (2) commences legal action by filing a lawsuit
against us, in a state or federal court that
b. Reimbursement
has jurisdiction,
If we make payment under this policy and the
person or organization to or for whom we make
payment recovers or has recovered from an- of the accident, or within two years immediately
other person or organization, then the person following the date the insuring company for the
owner or driver of the uninsured motor vehicle
or organization to or for whom we make pay-
ment must: becomes insolvent, if such insolvency occurs
(1) hold in trust for us the proceeds of any re- of the accident.
covery; and
No legal action may be brought against us relat-
(2) reimburse us to the extent of our pay- ing to Uninsured Motor Vehicle Coverage – Bod-
ments. ily Injury for any other causes of action that arise
out of or are related to these coverages until
c. Regarding Underinsured Motor Vehicle Cover-
there has been full compliance with the provi-
age, we will not exercise our right of recovery if: sions titled Consent to Settlement and Decid-
(1) the insured has given us advance notice ing Fault and Amount.
of settlement with the owner or operator of d. Underinsured Motor Vehicle Coverage if the in-
the underinsured motor vehicle; and sured or that insured’s legal representative:
44 9813C
(1) presents an Underinsured Motor Vehicle (2) Participating Policy provision found on the
Coverage claim to us; and most recently issued Declarations, if this
(2) commences legal action by filing a lawsuit policy was issued by any subsidiary or affil-
against us, in a state or federal court that iate of the State Farm Mutual Automobile
has jurisdiction, within two years immedi- Insurance Company.
ately following: 18. Severability
(a) the date of the tentative settlement If any provision of this policy is held invalid or unen-
with or on behalf of the owner or driver forceable by a court that has jurisdiction, then:
of an underinsured motor vehicle;
or a. such provision will remain in full force to the ex-
tent not held invalid or unenforceable; and
(b) the date the insuring company for the
owner or driver of the underinsured b. all other provisions of this policy will remain valid
motor vehicle becomes insolvent, if and enforceable.
such insolvency occurs within two 19. Our Rights Regarding Claim Information
years immediately following the date
of the tentative settlement. a. We will collect, receive, obtain, use, and retain
all the items described in item b.(1) below and
No legal action may be brought against us relat-
use and retain the information described in item
ing to Underinsured Motor Vehicle Coverage for b.(3)(b) below, in accordance with applicable
any causes of action that arise out of or are re- federal and state laws and regulations and con-
lated to this coverage until there has been full
sistent with the performance of our business
compliance with the provisions titled Consent to functions.
Settlement and Deciding Fault and Amount.
e. Physical Damage Coverages if the legal action b. Subject to a. above, we will not be restricted in
relating to these coverages is brought against or prohibited from:
us within one year immediately following the (1) collecting, receiving, or obtaining records,
date of the accident or loss. receipts, invoices, medical bills, medical
The limitation period specified in a., b., c., d., or e. records, wage information, salary infor-
above is tolled from the date proof of loss is filed for mation, employment information, data, and
the specific coverage involved until the date claim for any other information;
that coverage is denied in whole or in part. (2) using any of the items described in item
17. Choice of Law b.(1) above; or
(3) retaining:
Without regard to choice of law rules, the law of the
state of: (a) any of the items in item b.(1) above; or
a. Illinois will control in the event of any disagree- (b) any other information we have in our
ment as to the interpretation and application of possession as a result of our pro-
any provision in this policy; and cessing, handling, or otherwise re-
solving claims submitted under this
b. Illinois will control in the event of any disagree- policy.
ment as to the interpretation and application of
this policy’s: c. We may disclose any of the items in item b.(1)
above and any of the information described in
(1) Mutual Conditions provision found on the item b.(3)(b) above:
most recently issued Declarations, if this
policy was issued by the State Farm Mutual (1) to enable performance of our business
Automobile Insurance Company. functions;
45 9813C
(2) to meet our reporting obligations to insur- d. Our rights under a., b., and c. above shall not be
ance regulators; impaired by any:
(3) to meet our reporting obligations to insur- (1) authorization related to any claim submit-
ance data consolidators; ted under this policy; or
(4) to meet other obligations required by law; and (2) act or omission of an insured or a legal rep-
(5) as otherwise permitted by law. resentative acting on an insured’s behalf.
46 9813C

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State Farm®

Insured means: 4. primarily designed to serve a medical purpose;

b. if struck as a pedestrian by a motor vehicle or a. applicable to medical payments coverage, no-

UNINSURED MOTOR VEHICLE COVERAGE – BODILY INJURY

UNDERINSURED MOTOR VEHICLE COVERAGE

PHYSICAL DAMAGE COVERAGES

(1) You; a. You;

DEATH, DISMEMBERMENT AND LOSS OF SIGHT COVERAGE AND

LOSS OF EARNINGS COVERAGE Insuring Agreement

(2) ON A TRACK DESIGNED PRIMARILY 1. The insured;

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