P.O.

Box 509090
San Diego, CA 92150-9090
Telephone: 1-800-841-3000

Arizona
Family
Automobile
Insurance
Policy

GEICO Casualty Company

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 POLICY INDEX

Page Page
SECTION I
Conditions.................................................................. 12
Liability Coverages
Notice
Your Protection Against Claims From Others Two Or More Autos
Assistance And Cooperation Of The Insured
Definitions.................................................................... 3
Action Against Us
Losses We Will Pay For You........................................ 4 Insured's Duties In Event Of Loss Appraisal
Additional Payments We Will Make Under The Liability Payment Of Loss No Benefit To Bailee Subrogation
Coverages............................................................. 4 Assignment
Legal Expenses And Court Costs Bail And Appeal SECTION IV
Bonds
Uninsured Motorists Coverage And Underinsured
First Aid Expenses
Motorists Coverage
Exclusions.................................................................... 4
Persons Insured: Who Is Covered................................ 6 Protection For You and Your Passengers For Injuries
Financial Responsibility Laws....................................... 6 Caused By Uninsured, Hit-And-Run, And
Out Of State Insurance................................................. 6 Underinsured Motorists
Limits Of Liability.......................................................... 6 Definitions ................................................................. 14
Other Insurance............................................................ 6 Losses We Pay.......................................................... 15
Conditions.................................................................... 7 Exclusions................................................................. 15
Notice Limits Of Liability....................................................... 16
Two Or More Autos
Other Insurance......................................................... 16
Assistance And Cooperation Of The Insured Action
Against Us Arbitration.................................................................. 16
Subrogation Trust Agreement........................................................ 17
Conditions.................................................................. 17
SECTION II
Notice
Automobile Medical Payments Coverage Assistance And Cooperation Of The Insured Action
Protection For You And Your Passengers For Medical Against Us
Expenses Proof Of Claim - Medical Reports Payment Of Loss
Definitions.................................................................... 7 SECTION V
Payments We Will Make.............................................. 7 General Conditions
Exclusions.................................................................... 8 The Following Apply To All Coverages In This Policy
Limit Of Liability............................................................ 9 Territory..................................................................... 18
Other Insurance............................................................ 9 Premium.................................................................... 18
Conditions.................................................................... 9 Changes.................................................................... 18
Notice Assignment................................................................ 18
Two Or More Autos Action Against Us Policy Period............................................................. 18
Medical Reports - Proof And Payment Of Claims Cancellation By The Insured...................................... 18
Subrogation Cancellation By Us..................................................... 18
SECTION III Cancellation By Us Is Limited.................................... 19
Renewal..................................................................... 19
Physical Damage Coverages Dividend Provision..................................................... 19
Your Protection For Loss Of Or Damage To Your Car Declarations............................................................... 19
Definitions..................................................................... 9 Fraud And Misrepresentation..................................... 20
Losses We Will Pay...................................................... 10 Examination Under Oath............................................ 20
Comprehensive Coverage...................................... 10 Terms Of Policy Conformed To Statutes.................... 20
Collision Coverage................................................. 11 Disposal of Vehicle.................................................... 20
Additional Payments We Will Make Under The Physical Choice of Law............................................................ 20
Damage Coverages............................................... 11 SECTION VI
Car Rental If Your Car Is Stolen
Amendments And Endorsements
Exclusions.................................................................... 11
Limit Of Liability............................................................ 12 Special Endorsement
Other Insurance............................................................ 12 United States Government Employees ............... 20

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Whenever, "he," "his," "him," "himself" appears in this policy, you may read "she," "her," "hers," or "herself."
AGREEMENT
We, the Company named in the Declarations attached to this policy, make this agreement with you, the
policyholder. Relying on the information you have furnished and the Declarations attached to this policy and if
you pay your premium, we will do the following:
SECTION I - LIABILITY COVERAGES
Your Protection Against Claims From Others Bodily Injury Liability Property Damage Liability
DEFINITIONS
The words italicized in Section I of this policy are defined below.
1. Auto business means the business of selling, repairing, renting, leasing, brokering, servicing, storing, transporting or
parking of autos.
2. Bodily injury means bodily injury to a person, including resulting sickness, disease or death.
3. Farm auto means a truck type vehicle with a gross vehicle weight of 15,000 pounds or less, not used for commercial
purposes other than farming.
4. Insured means a person or organization described under PERSONS INSURED.
5. Non-owned auto means a private passenger auto, farm auto, utility auto, or trailer not owned by or furnished for
the regular use of either you or a relative, other than a temporary substitute auto. You or your relative must be
using the non-owned auto or trailer within the scope of permission given by its owner. An auto rented or leased for
more than 30 days will be considered as furnished for regular use.
A non-owned auto does not include:
(a) any motor vehicle rented or leased by you or a relative for the purpose of providing ride-sharing services. A
motor vehicle is considered to have been rented or leased for the purpose of providing ride-sharing services,
whether actually used for ride-sharing or not, if the rental or lease agreement specifically allows the motor
vehicle to be used for ride-sharing with a transportation network company ; or
(b) any motor vehicle rented or leased by you or a relative which is registered for use for ride-sharing with a
transportation network company ; or
(c) any motor vehicle rented or leased by you or a relative which is approved for use for ride-sharing by a
transportation network company ; or
(d) any motor vehicle rented or leased by you or a relative which displays an interior or exterior marking that
identifies the motor vehicle as a vehicle for hire.
6. Owned auto means:
(a) A vehicle described in this policy for which a premium charge is shown for these coverages;
(b) A trailer owned by you;
(c) A private passenger auto, farm auto, or utility auto, ownership of which you acquire during the policy period or
for which you enter into a lease during the policy period for a term of six months or more, if:
(i) It replaces an owned auto as defined in (a) above; or
(ii) We insure all private passenger autos, farm autos, and utility autos owned or leased by you on the date
of the acquisition, and you ask us to add it to the policy no more than 30 days later;
(d) A temporary substitute auto.
7. Private passenger auto means a four-wheel private passenger, station wagon or jeep-type auto.
8. Relative means a person related to you who resides in your household.
9. Temporary substitute auto means an automobile or trailer, not owned by you, temporarily used with the permission
of the owner. This vehicle must be used as a substitute for the owned auto or trailer when withdrawn from normal
use because of its breakdown, repair, servicing, loss or destruction.
A temporary substitute auto does not include:
(a) any motor vehicle rented or leased by you or a relative for the purpose of providing ride-sharing services. A
motor vehicle is considered to have been rented or leased for the purpose of providing ride-sharing services,
whether actually used for ride-sharing or not, if the rental or lease agreement specifically allows the motor
vehicle to be used for ride-sharing with a transportation network company ; or
(b) any motor vehicle rented or leased by you or a relative which is registered for use for ride-sharing with a
transportation network company ; or
(c) any motor vehicle rented or leased by you or a relative which is approved for use for ride-sharing by a
transportation network company ; or

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 (d) any motor vehicle rented or leased by you or a relative which displays an interior or exterior marking that
identifies the motor vehicle as a vehicle for hire.
10. Trailer means a trailer designed to be towed by a private passenger auto, if not being used for business or
commercial purposes with a vehicle other than a private passenger auto, farm auto, or utility auto.
11. Utility auto means a vehicle, other than a farm auto, with a gross vehicle weight of 15,000 pounds or less of the
pick-up body, van or panel truck type not used for commercial purposes.
12. War means armed conflict between nations, whether or not declared, civil war, insurrection, rebellion or revolution.
13. You and your means the Named Insured shown in the Declarations or his or her spouse if a resident of the same
household.
14. Personal vehicle sharing program means a business, organization, network or group facilitating the sharing of
private passenger motor vehicles for use by individuals or businesses.
15. Ride-sharing means the use of any vehicle by any insured in connection with a transportation network company
from the time an insured logs on to or signs in to any computer or digital application or platform that connects or
matches driver(s) with passenger(s) until the time an insured logs out of or signs off of any such application or
platform, including while en route to pick up passenger(s) and while transporting passenger(s).
16. Transportation network company means a company or organization facilitating and/or providing transportation
services using a computer or digital application or platform to connect or match passengers with drivers for
compensation or a fee.
LOSSES WE WILL PAY FOR YOU UNDER SECTION I
Under Section I, we will pay damages which an insured becomes legally obligated to pay because of:
1. Bodily injury, sustained by a person, and;
2. Damage to or destruction of property,
arising out of the ownership, maintenance or use of the owned auto or a non-owned auto. We will defend any suit
for damages payable under the terms of this policy. We may investigate and settle any claim or suit.
ADDITIONAL PAYMENTS WE WILL MAKE UNDER THE LIABILITY COVERAGES
1. All investigative and legal costs incurred by us.
2. All court costs charged to an insured in a covered lawsuit.
3. Interest calculated on that part of a judgment that is within our limit of liability and accruing:
(a) Before the judgment, where owed by law, and until we pay, offer to pay, or deposit in court the amount due under
this coverage;
(b) After the judgment, and until we pay, offer to pay, or deposit in court, the amount due under this coverage.
4. Premiums for appeal bonds in a suit we appeal, or premiums for bonds to release attachments; but the face amount
of these bonds may not exceed the applicable limit of our liability.
5. Premiums for bail bonds paid by an insured due to traffic law violations arising out of the use of an owned auto or
non-owned auto , not to exceed $250 per bail bond.
6. We will upon request by an insured, provide reimbursement for the following items:
(a) Reasonable costs, up to $500, incurred when that insured provides and renders first aid to others at the time of
an accident involving an owned auto or non-owned auto .
(b) Loss of earnings up to $50 a day, but not other income, if we request an insured to attend hearings and trials.
(c) All reasonable costs incurred by an insured at our request.
EXCLUSIONS
When Section I Does Not Apply
Section I does not apply to any claim or suit for damage if one or more of the exclusions listed below applies.
1. We do not cover bodily injury or property damage caused intentionally by or at the direction of an insured. This
exclusion will not deny payment to an innocent co- insured for property damage when the co-insured is a victim of
domestic violence, as defined by Arizona law, if:
(a) the insured making the claim cooperates in any investigation(s) relating to the loss; and
(b) the insured making the claim did not cooperate in, contribute to, consent to, or direct the intentional act that
caused the property damage.
2. We do not cover bodily injury or property damage arising out of the ownership, maintenance, or use of an owned
auto or non-owned auto while being used:
(a) to carry persons or property for compensation or a fee, including but not limited to delivery of food or any other
products; or

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 (b) for ride-sharing.
However, this exclusion does not apply to a vehicle used in an ordinary car pool or used in the course of volunteer
work for a tax-exempt organization as defined by Arizona statute. An ordinary car pool is one where:
(i) An insured receives no payment for using a vehicle for a car pool ride; or
(ii) An insured receives only reimbursement for expenses for using a vehicle for a car pool ride, the reimbursement
an insured receives for providing the car pool ride does not exceed the reasonable cost of gas and depreciation
for the distance traveled, and the reimbursement received by an insured is not required to be reported for income
tax purposes.
3. We do not cover bodily injury or property damage that is insured under a nuclear liability policy.
4. We do not cover bodily injury or property damage arising from the operation of farm machinery.
5. We do not cover bodily injury to an employee of an insured arising out of and in the course of employment by an
insured.
However, bodily injury of a domestic employee of the insured is covered unless benefits are payable or are required
to be provided under a workers' or workmen's compensation law.
6. We do not cover bodily injury to a fellow employee of an insured if the fellow employee's bodily injury arises from
the use of an auto while in the course of employment and if workers' compensation or other similar coverage is
available. We will defend you if suit is brought by a fellow employee against you alleging use, ownership or
maintenance of an auto by you.
7. We do not cover an owned auto while used by a person (other than you or a relative) when he is employed or
otherwise engaged in the auto business.
8. We do not cover a non-owned auto while maintained or used by any person while such person is employed or
otherwise engaged in (1) any auto business if the accident arises out of that business; (2) any other business or
occupation of any insured, if the accident arises out of that business or occupation, except a private passenger auto
used by you or your chauffeur or domestic servant while engaged in such other business.
9. We do not cover damage to:
(a) property owned, operated, transported or used by an insured; or
(b) property rented to or in charge of an insured other than a residence or private garage.
10. We do not cover an auto acquired by you during the policy term, if you have purchased other liability insurance for it.
11. We do not cover:
(a) The United States of America or any of its agencies;
(b) Any person, including you, if protection is afforded under the provisions of the Federal Tort Claims Act.
12. We do not cover bodily injury or property damage that results from nuclear exposure or explosion including resulting
fire, radiation, or contamination, in excess of the minimum financial responsibility limits.
13. We do not cover bodily injury or property damage that results from bio-chemical attack or exposure or bio-chemical
agents, in excess of the minimum financial responsibility limits.
14. We do not cover any liability assumed under any contract or agreement.
15. We do not cover bodily injury or property damage, in excess of the minimum financial responsibility limits, caused
by:
(a) an auto driven in or preparing for any racing, speed, or demolition contest or stunting activity of any nature,
whether or not prearranged or organized.
(b) the operation or use of a motor vehicle on a track designed primarily for racing or high speed driving. This does
not apply if the vehicle is being used in connection with an activity other than racing, high speed driving or any
competitive driving.
16. We do not cover punitive or exemplary damages, regardless of any other provision of this policy.
17. We do not cover bodily injury or property damage due to the discharge of a weapon or the throwing or ejecting of
any projectile.
18. We do not cover an order of restitution awarded in a criminal proceeding or equitable action.
19. We do not cover bodily injury or property damage, in excess of the minimum financial responsibility limits, for any
person or organization while an owned auto is operated, maintained or used as part of personal motor vehicle
sharing facilitated by a personal vehicle sharing program. When a temporary substitute auto is operated by you,
a relative, or any other person with your permission, this exclusion does not apply. The actual use of the temporary
substitute auto must be within the scope of that permission.

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20. We do not cover any motor vehicle, or series of motor vehicles, leased by you or a relative for less than six months
unless the motor vehicle is described, and a premium charge is shown for the vehicle for this coverage, in the
Declarations of this policy.
21. We do not cover any motor vehicle, or series of vehicles, regularly rented by you or a relative on a daily,
weekly or monthly basis unless the vehicle is described, and a premium charge is shown for the motor vehicle
for this coverage, in the Declarations of this policy.
PERSONS INSURED
Who Is Covered
Section I applies to the following as insureds with regard to an owned auto:
1. You and your relatives.
2. Any other person using the auto with your express or implied permission.
3. Any other person or organization for his or its liability because of acts or omissions of an insured under 1. or 2.
above.
Section I applies to the following with regard to a non-owned auto:
1. (a) You;
(b) Your relatives when using a private passenger auto, farm auto, or utility auto or trailer.
Such use by you or your relatives must be with the permission, or reasonably believed to be with the permission, of
the owner and within the scope of that permission;
2. A person or organization, not owning or hiring the auto, regarding his or its liability because of acts or omissions of an
insured under 1. above.
The limits of liability stated in the Declarations are our maximum obligations regardless of the number of insureds
involved in the occurrence.
FINANCIAL RESPONSIBILITY LAWS
When this policy is certified as proof of financial responsibility for the future under the provisions of a motor vehicle
financial responsibility law, this liability insurance will comply with the provisions of that law. The insured agrees to
reimburse us for payments made by us which we would not have had to make except for this agreement.
OUT OF STATE INSURANCE
When the policy applies to the operation of a motor vehicle outside of your state, we agree to increase your coverages to
the extent required of out-of-state motorists by local law. This additional coverage will be reduced to the extent that you
are protected by another insurance policy. No person can be paid more than once for any item of loss.
LIMITS OF LIABILITY
Regardless of the number of autos or trailers to which this policy applies:
1. The limit of bodily injury liability stated in the Declarations as applicable to "each person" is the limit of our liability for all
damages, including damages for care and loss of services, because of bodily injury sustained by one person as the
result of one occurrence.
2. The limit of such liability stated in the Declarations as applicable to "each occurrence" is, subject to the above
provision respecting each person, the total limit of our liability for all such damages, including damages for care and
loss of services, because of bodily injury sustained by two or more persons as the result of any one occurrence.
3. The limit of property damage liability stated in the Declarations as applicable to "each occurrence" is the total limit of
our liability for all damages because of injury to or destruction of the property of one or more persons or organizations,
including the loss of use of the property as the result of any one occurrence.
OTHER INSURANCE
If the insured has other insurance against a loss covered by Section I of this policy, we will not owe more than our pro-
rata share of the total coverage available.
Any insurance we provide for losses arising out of the ownership, maintenance or use of a vehicle you do not own shall
be excess over other valid and collectible insurance.
However, if a temporary substitute auto or non-owned auto is insured under a policy providing coverage to a Named
Insured engaged in the business of selling, repairing, servicing, delivering, testing, road testing, parking or storing
vehicles, we will provide primary insurance.

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CONDITIONS
The following conditions apply to Section I:
1. NOTICE
As soon as possible after an occurrence, written notice must be given us or our authorized agent stating:
(a) The identity of the insured;
(b) The time, place and details of the occurrence;
(c) The names and addresses of the injured, and of any witnesses; and
(d) The names of the owners and the description and location of any damaged property.
If a claim or suit is brought against an insured, he must promptly send us each demand, notice, summons or other
process received.
2. TWO OR MORE AUTOS
If this policy covers two or more autos, the limit of coverage applies separately to each. An auto and an attached
trailer are considered to be one auto.
3. ASSISTANCE AND COOPERATION OF THE INSURED
The insured will cooperate and assist us, if requested:
(a) In the investigation of the occurrence;
(b) In making settlements;
(c) In the conduct of suits;
(d) In enforcing any right of contribution or indemnity against any legally responsible person or organization because
of bodily injury or property damage;
(e) At trials and hearings;
(f) In securing and giving evidence; and
(g) By obtaining the attendance of witnesses.
Only at his own cost will the insured make a payment, assume any obligation or incur any cost other than for first aid
to others.
4. ACTION AGAINST US
No suit will lie against us:
(a) Unless the insured has fully complied with all the policy's terms and conditions, and
(b) Until the amount of the insured's obligation to pay has been finally determined, either:
(i) By a final judgment against the insured after actual trial; or
(ii) By written agreement of the insured, the claimant and us.
A person or organization or the legal representative of either, who secures a judgment or written agreement, may
then sue to recover up to the policy limits.
No person or organization, including the insured, has a right under this policy to make us a defendant in an action to
determine the insured's liability.
Bankruptcy or insolvency of the insured or his estate will not relieve us of our obligations.
5. SUBROGATION
If we make a payment under this policy and the person to or for whom payment was made has a right to recover
damages from another, we shall be subrogated to that right except that the insured may bring a cause of action
separate and apart from the company (us) seeking recovery of damages for which we have not compensated the
insured. Any settlement or judgment of the claim of the insured alone shall not affect our rights. The person to or for
whom payment was made shall do whatever is necessary to enable us to exercise our rights and shall do nothing
after loss to prejudice them.

SECTION II - AUTO MEDICAL PAYMENTS

Protection For You And Your Passengers For Medical Expenses

DEFINITIONS
The definitions of terms shown under Section I apply to this Coverage. In addition, under this Coverage, occupying
means in or upon or entering into or alighting from.
PAYMENTS WE WILL MAKE
Under this Coverage, we will pay all reasonable expenses actually incurred by an insured within one year from the date
of accident for necessary medical, surgical, x-ray, dental services, prosthetic devices, ambulance, hospital, professional

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nursing and funeral services. The one year limit does not apply to funeral services.
This Coverage applies to:
1. You and each relative who sustains bodily injury caused by accident:
(a) While occupying the owned auto; or
(b) While occupying a non-owned auto if you or your relative reasonably believe you have the owner's
permission to use the auto and the use is within the scope of that permission; or
(c) When struck as a pedestrian by an auto or trailer.
2. Any other person who sustains bodily injury caused by accident while occupying the owned auto while being used
by you, a resident of your household, or other persons with your permission.
EXCLUSIONS
When Section II Does Not Apply
1. There is no coverage for bodily injury sustained by any occupant of an owned auto or non-owned auto :
(a) used to carry persons or property for compensation or a fee, including but not limited to delivery of food or any
other products; or
(b) while being used for ride-sharing.
However, this exclusion does not apply to any vehicle used in an ordinary car pool or used in the course of volunteer
work for a tax-exempt organization as defined by Arizona statute. An ordinary car pool is one where:
(i) An insured receives no payment for using a vehicle for a car pool ride; or
(ii) An insured receives only reimbursement for expenses for using a vehicle for a car pool ride, the reimbursement
an insured receives for providing the car pool ride does not exceed the reasonable cost of gas and depreciation
for the distance traveled, and the reimbursement received by an insured is not required to be reported for income
tax purposes.
This exclusion does not apply to you or any relative while a passenger and not operating the motor vehicle.
2. There is no coverage for an insured while occupying a vehicle located for use as a residence or premises.
3. There is no coverage for you and your relatives for bodily injury sustained while occupying or when struck by:
(a) A farm-type tractor or other equipment designed for use principally off public roads, while not upon public roads;
or
(b) A vehicle operated on rails or crawler-treads.
4. There is no coverage for persons employed in the auto business, if the accident arises out of that business and if
benefits are required to be provided under a workers' compensation law.
5. There is no coverage for bodily injury sustained due to war.
6. The United States of America or any of its agencies are not covered as an insured, a third party beneficiary, or
otherwise.
7. There is no coverage for bodily injury that results from nuclear exposure or explosion including resulting fire,
radiation, or contamination.
8. There is no coverage for bodily injury that results from bio-chemical attack or exposure to bio-chemical agents.
9. There is no coverage for bodily injury caused by:
(a) an auto driven in or preparing for any racing, speed, or demolition contest or stunting activity of any nature,
whether or not prearranged or organized.
(b) the operation or use of a motor vehicle on a track designed primarily for racing or high speed driving. This does
not apply if the vehicle is being used in connection with an activity other than racing, high speed driving or any
competitive driving.
10. There is no coverage under this Section for any person or organization while an owned auto is operated, maintained
or used as part of personal motor vehicle sharing facilitated by a personal vehicle sharing program. When a
temporary substitute auto is operated by you, a relative, or any other person with your permission, this exclusion
does not apply. The actual use of the temporary substitute auto must be within the scope of that permission.
11. There is no coverage for bodily injury sustained by any insured while operated, occupying, or when struck as a
pedestrian by any vehicle leased by you or a relative for less than six months unless the motor vehicle is
described, and a premium charge is shown for the vehicle for this coverage, in the declarations of this policy.
12. There is no coverage for bodily injury sustained by any insured while operating, occupying, or when struck
as a pedestrian by any vehicle regularly rented by you or a relative on a daily, weekly or monthly basis
unless the vehicle is described, and a premium charge is shown for the motor vehicle for this coverage, in the
declarations of this policy.

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LIMIT OF LIABILITY
The limit of liability for medical payments stated in the Declarations as applying to "each person" is the limit we will pay for
all costs incurred by or on behalf of each person who sustains bodily injury in one accident. This applies regardless of
the number of persons insured or the number of autos or trailers to which this policy applies.
OTHER INSURANCE
If the insured has other medical payments insurance against a loss covered by Section II of this policy, we will not owe
more than our pro rata share of the total coverage available.
Any insurance we provide to a person who sustains bodily injury while occupying a vehicle you do not own shall be
excess over any other valid and collectible insurance.
CONDITIONS
The following conditions apply to this Coverage:
1. NOTICE
As soon as possible after an accident, written notice must be given to us or our authorized agent stating:
(a) The identity of the insured;
(b) The time, place and details of the accident; and
(c) The names and addresses of the injured, and of any witnesses.
2. TWO OR MORE AUTOS
If this policy covers two or more autos, the limit of coverage applies separately to each. An auto and an attached
trailer are considered to be one auto.
3. ACTION AGAINST US
Suit will not lie against us unless the insured has fully complied with all the policy terms.
4. MEDICAL REPORTS - PROOF AND PAYMENT OF CLAIMS
As soon as possible, the injured person or his representative will furnish us with written proof of claim, under oath if
required. After each request from us, he will give us written authority to obtain medical reports and copies of records.
The injured person will submit to an examination by doctors chosen by us and at our expense as we may reasonably
require.
We may pay either the injured person, the doctor or other persons or organizations rendering medical services. These
payments are made without regard to fault or legal liability of the insured.
5. SUBROGATION
We may have a lien against any amount in excess of $5,000 that is paid to or on behalf of an insured by us under this
coverage for injuries arising from accidents occurring after December 31, 1998.

SECTION III - PHYSICAL DAMAGE COVERAGES

Your Protection For Loss Or Damage To Your Car

DEFINITIONS
The definitions of the terms auto business, farm auto, personal vehicle sharing program, private passenger auto,
relative, ride-sharing, temporary substitute auto, transportation network company , utility auto, you, your, and war
under Section I apply to Section III also. Under this Section, the following special definitions apply:
1. Actual cash value is the replacement cost of the auto or property less depreciation or betterment.
2. Betterment is improvement of the auto or property to a value greater than its pre-loss condition.
3. Collision means loss caused by upset of the covered auto or its collision with another object, including an attached
vehicle.
4. Custom parts or equipment means paint, equipment, devices, accessories, enhancements, and changes, other
than those which are original equipment manufacturer installed, which:
(a) Are permanently installed or attached; or
(b) Alter the appearance or performance of a vehicle.
This includes any electronic equipment, antennas, and other devices used exclusively to send or receive audio,
visual, or data signals, or to play back recorded media, other than those which are original equipment manufacturer
installed, that are permanently installed in the owned auto or newly acquired vehicle using bolts or brackets, including
slide-out brackets.
5. Depreciation means a decrease or loss in value to the auto or property because of use, disuse, physical wear and
tear, age, outdatedness or other causes.

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6. Insured means:
(a) Regarding the owned auto:
(i) You and your relatives;
(ii) A person or organization maintaining, using or having custody of the auto with your permission, if his use is
within the scope of that permission.
(b) Regarding a non-owned auto; you and your relatives, using the auto, if the actual operation or use is with the
permission or reasonably believed to be with the permission of the owner and within the scope of that permission.
7. Loss means direct and accidental loss of or damage to:
(a) The auto, including its equipment; or
(b) Other insured property.
8. Non-owned auto means a private passenger auto, farm auto, or utility auto or trailer not owned by or furnished
for the regular use of either you or your relatives, except a temporary substitute auto. You or your relative must
be using the non-owned auto within the scope of permission given by its owner. An auto rented or leased for more
than 30 days will be considered as furnished for regular use.
A non-owned auto does not include:
(a) any motor vehicle rented or leased by you or a relative for the purpose of providing ride-sharing services. A
motor vehicle is considered to have been rented or leased for the purpose of providing ride-sharing services,
whether actually used for ride-sharing or not, if the rental or lease agreement specifically allows the motor
vehicle to be used for ride-sharing with a transportation network company ; or
(b) any motor vehicle rented or leased by you or a relative which is registered for use for ride-sharing with a
transportation network company ; or
(c) any motor vehicle rented or leased by you or a relative which is approved for use for ride-sharing by a
transportation network company ; or
(d) any motor vehicle rented or leased by you or a relative which displays an interior or exterior marking that
identifies the motor vehicle as a vehicle for hire.
9. Owned auto means:
(a) Any vehicle described in this policy for which a specific premium charge indicates there is coverage;
(b) A private passenger auto, farm auto, or utility auto or a trailer, ownership of which is acquired by you during
the policy period or for which you enter into a lease during the policy period for six months or more; if:
(i) It replaces an owned auto as described in (a) above, or
(ii) We insure all private passenger autos, farm autos, utility autos, and trailers owned or leased by you on
the date of such acquisition, and you request us to add it to the policy within 30 days afterward;
(c) A temporary substitute auto.
10. Trailer means a trailer designed to be towed by a private passenger auto and not used as a home, residence,
office, store, display or passenger trailer. Trailer does not mean a trailer with built-in sleeping facilities designed for
recreational or camping use.
LOSSES WE WILL PAY FOR YOU
Comprehensive (Excluding Collision)
1. We will pay for each loss, less the applicable deductible, caused other than by collision, to the owned auto or non-
owned auto. This includes breakage of glass and loss caused by:
(a) Missiles; (g) Explosion; (m) Flood;
(b) Falling objects; (h) Earthquake; (n) Malicious mischief;
(c) Fire; (i) Colliding with a bird or animal; (o) Vandalism;
(d) Lightning; (j) Windstorm; (p) Riot; or
(e) Theft; (k) Hail; (q) Civil commotion.
(f) Larceny; (l) Water;
At the option of the insured, breakage of glass caused by collision may be paid under the Collision Coverage, if
included in the policy.
2. We will pay, up to $200 per occurrence, less any deductible shown in the Declarations, for loss to personal effects
due to:
(a) Fire; (d) Theft of the entire automobile; (g) Explosion.
(b) Lightning; (e) Falling objects;
(c) Flood; (f) Earthquake; or

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 The property must be owned by you or a relative, and must be in or upon an owned auto.
3. Losses arising out of a single occurrence shall be subject to no more than one deductible.
Collision
1. We will pay for collision loss to the owned auto or non-owned auto for the amount of each loss less the applicable
deductible.
2. We will pay up to $200 per occurrence, less the applicable deductible, for loss to personal effects due to a collision.
The property must be owned by you or a relative, and must be in or upon an owned auto.
3. Losses arising out of a single occurrence shall be subject to no more than one deductible.
ADDITIONAL PAYMENTS WE WILL MAKE UNDER THE PHYSICAL DAMAGE COVERAGES
1. We will reimburse the insured for transportation expenses incurred during the period beginning 48 hours after a theft
of the entire auto covered by Comprehensive Coverage under this policy has been reported to us and the police.
Reimbursement ends when the auto is returned to use or we pay for the loss.
Reimbursement will not exceed $25 per day nor $750 per loss.
2. We will pay general average and salvage charges for which the insured becomes legally liable when the auto is
being transported.
EXCLUSIONS
When The Physical Damage Coverages Do Not Apply
1. We do not cover any vehicle:
(a) used to carry persons or property for compensation or a fee, including but not limited to delivery of food or any
other products; or
(b) while being used for ride-sharing.
However, this exclusion does not apply to a vehicle used in an ordinary car pool or used in the course of volunteer
work for a tax-exempt organization as defined by Arizona statute. An ordinary car pool is one where:
(i) An insured receives no payment for using a vehicle for a car pool ride; or
(ii) An insured receives only reimbursement for expenses for using a vehicle for a car pool ride, the reimbursement
an insured receives for providing the car pool ride does not exceed the reasonable cost of gas and depreciation
for the distance traveled, and the reimbursement received by an insured is not required to be reported for income
tax purposes.
2. We do not cover loss due to war.
3. We do not cover loss to a non-owned auto when used by the insured in the auto business.
4. We do not cover loss caused by and limited to wear and tear, freezing, mechanical or electrical breakdown or failure,
unless that damage results from a covered theft.
5. We do not cover tires, when they alone are damaged by collision.
6. We do not cover loss due to radioactivity.
7. We do not cover loss to any tape, wire, record disc or other medium for use with a device designed for the recording
and/or reproduction of sound.
8. We do not cover loss to any radar or laser detector.
9. We do not cover trailers when used for business or commercial purposes with vehicles other than private passenger
autos, farm autos, or utility autos.
10. We do not cover loss that results from nuclear exposure or explosion including resulting fire, radiation, or
contamination.
11. We do not cover loss that results from bio-chemical attack or exposure to bio-chemical agents.
12. We do not cover loss to custom parts or equipment, in excess of $1,000, unless the existence of those custom
parts or equipment has been previously reported to us and an endorsement to the policy has been added.
13. We do not cover liability assumed under any contract or agreement.
14. We do not cover loss or damage resulting from:
(a) The acquisition of a stolen vehicle;
(b) Any governmental, legal or other action to return a vehicle to its legal, equitable, or beneficial owner, or anyone
claiming an ownership interest in the vehicle;
(c) Any confiscation, seizure or impoundment of a vehicle by governmental authorities; or
(d) The sale of an owned auto.
15. We do not cover the destruction, impoundment, confiscation or seizure of a vehicle by governmental or civil
authorities due to its use by you, a relative or a permissive user of the vehicle in illegal activity.

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16. We do not cover any loss caused by:
(a) participation in or preparing for any racing, speed, or demolition contest or stunting activity of any nature, whether
or not prearranged or organized.
(b) the operation or use of a motor vehicle on a track designed primarily for racing or high speed driving. This does
not apply if the vehicle is being used in connection with an activity other than racing, high speed driving or any
competitive driving.
17. We do not cover any person or organization while an owned auto is operated, maintained or used as part of personal
motor vehicle sharing facilitated by a personal vehicle sharing program. This exclusion does not apply to a
temporary substitute auto operated by you or a relative, or while a person or organization is maintaining, using or
having custody of the temporary substitute auto with your permission, if the use is within the scope of that
permission.
18. We do not cover any damage arising out of, resulting from, caused by or attributed to electromagnetic radiation
including but not limited to electromagnetic radiation caused by solar flare, solar wind, solar radiation, solar activity,
solar phenomena, solar storm, magnetic storm or magnetic field.
19. We do not cover any motor vehicle, or series of motor vehicles, leased by you or a relative for less than six months
unless the motor vehicle is described, and a premium charge is shown for the vehicle for this coverage, in the
Declarations of this policy.
20. We do not cover any motor vehicle, or series of vehicles, regularly rented by you or a relative on a daily,
weekly or monthly basis unless the vehicle is described, and a premium charge is shown for the motor vehicle
for this coverage, in the Declarations of this policy.
LIMIT OF LIABILITY
The limit of our liability for loss:
1. Is the actual cash value of the property at the time of the loss;
2. Will not exceed the prevailing competitive price to repair or replace the property at the time of loss, or any of its parts,
including parts from non-original equipment manufacturers, with other of like kind and quality and will not include
compensation for any diminution of value claimed to result from the loss. Although you have the right to choose any
repair facility or location, the limit of liability for repair or replacement of such property is the prevailing competitive
price, which is the price we can secure from a competent and conveniently located repair facility. At your request, we
will identify a repair facility that will perform the repairs at the prevailing competitive price;
3. To personal effects arising out of one occurrence is $200;
4. To a trailer not owned by you is $500;
5. For custom parts or equipment is limited to the actual cash value of the custom parts or equipment, not to
exceed the actual cash value of the vehicle. However, the most we will pay for loss to custom parts or equipment
is $1,000, unless the existence of those custom parts or equipment has been previously reported to us and an
endorsement to the policy has been added.
Actual cash value of property will be determined at the time of the loss and will include an adjustment for
depreciation/betterment and for the physical condition of the property.
OTHER INSURANCE
If the insured has other insurance against a loss covered by Section III, we will not owe more than our pro-rata share of
the total coverage available.
Any insurance we provide for a vehicle you do not own shall be excess over any other valid and collectible insurance.
CONDITIONS
The following conditions apply only to the Physical Damage Coverages:
1. NOTICE
As soon as possible after a loss, written notice must be given to us or our authorized agent stating:
(a) The identity of the insured;
(b) A description of the auto or trailer;
(c) The time, place and details of the loss; and
(d) The names and addresses of any witnesses.
In case of theft, the insured must promptly notify the police.
In the case of theft of the entire auto, the insured must promptly notify the police that the vehicle was stolen. To be
eligible as a covered loss, the police report must acknowledge and classify the report as theft of a motor vehicle. The
insured must cooperate fully with the police investigation, with the claim investigation, and with the prosecution of any

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 person(s) charged with theft, and with any civil suit brought by us against the person(s) responsible to recover for the
loss.
2. TWO OR MORE AUTOS
If this policy covers two or more autos or trailers, the limit of coverage and any deductibles apply separately to each.
3. ASSISTANCE AND COOPERATION OF THE INSURED
The insured will cooperate and assist us, if requested:
(a) In the investigation of the loss;
(b) In making settlements;
(c) In the conduct of suits;
(d) In enforcing any right to subrogation against any legally responsible person or organization;
(e) At trials and hearings;
(f) In securing and giving evidence; and
(g) By obtaining the attendance of witnesses.
4. ACTION AGAINST US
Suit will not lie against us unless the policy terms have been complied with and until 30 days after proof of loss is filed
and the amount of loss is determined.
If we retain salvage, we have no duty to preserve or otherwise retain the salvage for any purpose, including as
evidence for any civil or criminal proceeding. If you ask us immediately after a loss to preserve the salvage for
inspection, we will do so for a period not to exceed 30 days. You may purchase the salvage from us if you wish.
5. INSURED’S DUTIES IN EVENT OF LOSS
In the event of loss the insured will:
(a) Protect the auto, whether or not the loss is covered by this policy. Further loss due to the insured's failure to
protect the auto will not be covered. Reasonable expenses incurred for this protection will be paid by us.
(b) File with us, within 91 days after loss, his sworn proof of loss including all information we may reasonably require.
(c) At our request, the insured will exhibit the damaged property.
6. APPRAISAL
If we and the insured do not agree on the amount of loss, either may, within 60 days after proof of loss is filed,
demand an appraisal of the loss. In that event, we and the insured will each select a competent appraiser. The
appraisers will select a competent and disinterested umpire. The appraisers will state separately the actual cash
value and the amount of the loss. If they fail to agree, they will submit the dispute to the umpire. An award in writing
of any two will determine the amount of loss. We and the insured will each pay his chosen appraiser and will bear
equally the other expenses of the appraisal and umpire.
We will not waive our rights by any of our acts relating to appraisal.
7. PAYMENT OF LOSS
We may at our option:
(a) Pay for the loss; or
(b) Repair or replace the damaged or stolen property.
At any time before the loss is paid or the property replaced, we may return any stolen property to you or to the
address shown in the Declarations at our expense with payment for covered damage. We may take all or part of the
property at the agreed or appraised value, but there will be no abandonment to us. We may settle claims for loss
either with the insured or the owner of the property.
8. NO BENEFIT TO BAILEE
This insurance does not apply directly or indirectly to the benefit of a carrier or other bailee for hire liable for the loss
of the auto.
9. SUBROGATION
If we make a payment under this policy and the person to or for whom payment was made has a right to recover
damages from another, we shall be subrogated to that right except that the insured may bring a cause of action
separate and apart from the company (us) seeking recovery of damages for which we have not compensated the
insured. Any settlement or judgment of the claim of the insured alone shall not affect our rights. The person to or for
whom payment was made shall do whatever is necessary to enable us to exercise our rights and shall do nothing
after loss to prejudice them.

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10. ASSIGNMENT
With respect to Section III, Physical Damage Coverages, an Assignment of interest under this policy will not bind us
without our consent. Any nonconforming assignment shall be void and invalid. Moreover, the assignee of
nonconforming assignment shall acquire no rights under this contract and we shall not recognize any such
assignment.

SECTION IV - UNINSURED MOTORISTS COVERAGE AND UNDERINSURED MOTORISTS COVERAGE

Protection For You And Your Passengers For Injuries Caused By
Uninsured, Hit-And-Run, And Underinsured Motorists

DEFINITIONS
The definitions of terms for Section I apply to Section IV, except for the following special definitions:
1. GEICO Company means any of the following affiliated insurers:
(a) Government Employees Insurance Company;
(b) GEICO General Insurance Company;
(c) GEICO Indemnity Company;
(d) GEICO Casualty Company;
(e) GEICO Advantage Insurance Company;
(f) GEICO Choice Insurance Company;
(g) GEICO Secure Insurance Company;
(h) GEICO County Mutual Insurance Company;
(i) Any subsidiary or affiliate of any one or more of the above companies; and
(j) Any other insurer within a group of insurers under a common management of any one or more of the above
companies.
2. Hit-and-run motor vehicle is a motor vehicle that causes bodily injury to an insured, provided:
(a) The owner or operator of the motor vehicle cannot be determined; and
(b) The insured or someone on his behalf reports the accident to a police, peace or judicial officer or to the
Commissioner of Motor Vehicles; and
(c) The insured or someone on his behalf makes available for inspection, at our request, the auto occupied by the
insured at the time of the accident.
If an insured makes a bodily injury or death claim on an accident that involved a hit-and-run motor vehicle and no
physical contact with the motor vehicle occurred, the insured shall provide corroboration that the hit-and-run motor
vehicle caused the accident. Corroboration means any additional and confirming testimony, fact or evidence that
strengthens and adds weight or credibility to the insured's representation of the accident.
3. Insured means:
(a) You;
(b) Your relatives;
(c) Any other person while occupying an owned auto; however such person is an insured only as to the coverage
on the owned auto which they are occupying at the time of the accident and such person is not an insured
under this policy as to any other owned auto described in the Declarations; or
(d) Any person who is entitled to recover damages because of bodily injury sustained by an insured under (a), (b),
and (c) above.
If there is more than one insured, our limit of liability will not be increased.
4. Insured auto is an auto:
(a) Described in the Declarations and covered by the bodily injury liability coverage of this policy;
(b) Temporarily substituted for an insured auto when withdrawn from normal use because of its breakdown, repair,
servicing, loss or destruction; or
(c) Operated by you or your spouse if a resident of the same household.
But the term insured auto does not include:
(i) An auto used to carry passengers or goods for hire, except in a car pool or while used in the course of volunteer
work for a tax-exempt organization as defined by Arizona statute;
(ii) An auto being used without the owner's permission.

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5. Occupying means in, upon, entering into or alighting from.
6. State includes the District of Columbia, the territories and possessions of the United States, and the Provinces of
Canada.
7. Uninsured motor vehicle is a motor vehicle which has no bodily injury liability bond or insurance policy applicable
with liability limits complying with the Financial Responsibility Law of Arizona. This term also includes an auto whose
insurer is or becomes insolvent or denies coverage.
The term uninsured motor vehicle does not include:
(a) A land motor vehicle or trailer operated on rails or crawler-treads or located for use as a residence or premises;
or
(b) Any vehicle or equipment designed for use off public roads, while not on public roads; or
(c) An underinsured motor vehicle.
8. Underinsured motor vehicle means a motor vehicle for which the sum of all bodily injury liability bonds and
insurance policies applicable at the time of the accident is:
(a) Equal to or greater than your state's Financial Responsibility requirements; but
(b) Less than the damages the insured is legally entitled to recover.
The term underinsured motor vehicle does not include:
(a) An insured auto provided that the insured has received the full amount of the liability coverage under the Bodily
Injury Coverage of this policy; or
(b) A land motor vehicle or trailer operated on rails or crawler-treads or located for use as a residence or premises;
or
(c) A farm-type tractor or equipment designed for use principally off public roads, except while used upon public
roads; or
(d) An uninsured motor vehicle.
LOSSES WE PAY
Under the Uninsured Motorists Coverage, we will pay damages for bodily injury caused by accident which the insured is
legally entitled to recover from the owner or operator of an uninsured motor vehicle or hit-and-run motor vehicle
arising out of the ownership, maintenance or use of that motor vehicle.
Under the Underinsured Motorists Coverage, we will pay damages for bodily injury sustained by the insured and caused
by an accident which the insured is legally entitled to recover from the owner or operator of an underinsured motor
vehicle arising out of the ownership, maintenance or use of the underinsured motor vehicle.
Under the Uninsured Motorists Coverage and/or the Underinsured Motorists Coverage, we do not pay damages for
bodily injury for any insured arising from an insured’s ownership or operation of a motor vehicle used as a public or
livery conveyance or that is used in the business primarily to transport property or equipment. We also do not pay
damages for bodily injury for any insured arising from a motor vehicle described in the Declarations that is rented to
others.
Under the Uninsured Motorists Coverage and/or the Underinsured Motorists Coverage, the amount of the insured's
recovery for these damages will be determined by agreement between the insured or his representative and us. The
dispute shall be arbitrated if an agreement cannot be reached.
EXCLUSIONS
When Section IV Does Not Apply
1. These Coverages do not apply to bodily injury to an insured if the insured or his legal representative has made a
settlement or has been awarded a judgment of his claim without our prior written consent.
2. The Uninsured Motorists Coverage and/or Underinsured Motorists Coverage will not benefit any workers'
compensation insurer, self-insurer, or disability benefits insurer.
3. We do not cover the United States of America or any of its agencies as an insured, a third party beneficiary or
otherwise.
4. Regardless of any other provision of this policy, there is no coverage for punitive or exemplary damages.
5. Bodily injury that results from nuclear exposure or explosion including resulting fire, radiation or contamination is not
covered.
6. Bodily injury that results from bio-chemical attack or exposure to bio-chemical agents is not covered.
7. We do not cover any liability assumed under any contract or agreement.

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8. There is no coverage under this Section for any person or organization while an owned auto is operated, maintained
or used as part of personal vehicle sharing facilitated by a personal vehicle sharing program. When a temporary
substitute auto is operated by you, a relative, or any other person with your permission, this exclusion does not
apply. The actual use of the temporary substitute auto must be within the scope of that permission.
9. There is no coverage for bodily injury under this Section for any person or organization while an owned auto or
non-owned auto :
(a) is being used to carry persons or property for compensation or a fee, including but not limited to the delivery of
food or any other products; or
(b) is being used for ride-sharing.
This exclusion does not apply to a vehicle used in an ordinary car pool or used in the course of volunteer work for a
tax-exempt organization as defined by Arizona statute. An ordinary car pool is one where:
(i) An insured receives no payment for using a vehicle for a car pool ride; or
(ii) An insured receives only reimbursement for expenses for using a vehicle for a car pool ride, the
reimbursement an insured receives for providing the car pool ride does not exceed the reasonable cost
of gas and depreciation for the distance traveled, and the reimbursement received by an insured is not
required to be reported for income tax purposes.
This exclusion does not apply to you or any relative while a passenger and not operating the motor vehicle.
LIMITS OF LIABILITY
Regardless of the number of vehicles or trailers to which this policy applies:
1. The limit of liability for Uninsured Motorists Coverage and Underinsured Motorists Coverage stated in the Declarations
for "each person" is the limit of our liability for all damages, including those for care or loss of services, due to bodily
injury sustained by one person as the result of one accident.
2. The limit of liability stated in the Declarations as applicable to "each accident" is, subject to the above provision
respecting each person, the total limit of our liability for all such damages, including damages for care and loss of
services, because of bodily injury sustained by two or more persons as the result of one accident.
3. When coverage is afforded to two or more autos, the limits of liability shall apply separately to each auto as stated in
the Declarations but shall not exceed the highest limit of liability applicable to one auto.
If multiple policies or coverages purchased from GEICO Company by one insured on different vehicles apply to an
accident or claim, coverage is limited to only one policy or coverage, selected by the insured, for any one accident. Only
the one policy or coverage selected by the insured shall apply to the accident.
To the extent the insured is not deprived of full compensation for the loss, the damages payable under the Uninsured
Motorists Coverage and/or the Underinsured Motorists Coverage will be reduced by all amounts:
(a) Paid or payable under all bodily injury or death liability bonds and liability insurance applicable at the time of the
accident; or
(b) Paid or payable under the Bodily Injury Coverage of this policy; or
(c) Paid or payable under the Auto Medical Payments Coverage of this policy, with respect to Uninsured Motorist
Coverage only; or
(d) Paid or payable under any workers' compensation law, disability benefits law or any similar law, with respect to
Uninsured Motorists Coverage only.
OTHER INSURANCE
If there is other applicable similar insurance available to an insured, we will pay only our share of the loss. Our share is
the proportion that our limit of liability bears to the total of all applicable limits. However, any insurance we provide with
respect to an insured while occupying an auto not described in this policy shall be excess over any other collectible
insurance.
ARBITRATION
Any dispute that arises between us and an insured regarding:
1. Whether, or the extent to which, an insured is legally entitled to recover damages against the owner or operator of an
uninsured motor vehicle or underinsured motor vehicle (i.e., issues of liability); and/or
2. The amount of damages sustained by an insured;
shall be resolved by binding arbitration. A demand for binding arbitration shall be made in writing by either us or the
insured within the applicable Arizona statute of limitations for an uninsured motorists claim or an underinsured motorists
claim. The binding arbitration shall take place in the county in which the insured resides, or in such other location as we
and the insured may agree in writing. The binding arbitration shall be governed by Arizona law, regardless of whether an
accident occurred or whether the insured’s damages were sustained within or outside of the State of Arizona, and
without regard to the conflicts of law principles of any jurisdiction.

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The decision rendered and any award made in the binding arbitration shall be final and binding upon us and upon an
insured presenting a claim under these Coverages. However, we will be obligated to pay no more than the available
policy limits for these Coverages as defined and set forth in this policy, even if the binding arbitration results in an award
exceeding the available policy limits for these Coverages.
Each party to the binding arbitration shall pay their own attorneys’ fees and expenses incurred. The arbitrator’s fees and
expenses will be shared equally by the parties.
Unless required by applicable law or agreed to in a writing signed by both us and an insured, binding arbitration shall not
be used to resolve disputes concerning policy interpretation or coverage with respect to an uninsured motorist claim or an
underinsured motorists claim.
Further, arbitration on a class-wide or class-representative basis shall not be permitted.
TRUST AGREEMENT
When we make a payment under these Coverages:
1. We are entitled to recover from the insured an amount equal to such payment from the proceeds of any settlement or
judgment made on his behalf against the uninsured motorist legally responsible for the damages to the insured.
2. The person to or for whom we make payment must hold in trust for us all rights to recover money which he may have
against the uninsured motorist legally responsible for the damages to the insured.
3. At our written request, the insured, in his own name, will take, through a designated representative, appropriate
actions necessary to recover payment for damages from the legally responsible person or organization. The insured
will pay us out of the recovery for our expenses, costs and attorneys' fees.
4. The insured will execute and furnish us with any needed documents to secure his and our rights and obligations.
CONDITIONS
The following conditions apply only to the Uninsured Motorists Coverage and the Underinsured Motorists Coverage:
1. NOTICE
As soon as possible after an accident, notice must be given us or our authorized agent stating:
(a) The identity of the insured;
(b) The time, place and details of the accident; and
(c) The names and addresses of the injured, and of any witnesses.
If the insured or his legal representative files suit before we make a settlement under these Coverages, he must
immediately provide us with a copy of the pleadings.
2. ASSISTANCE AND COOPERATION OF THE INSURED
After we receive notice of a claim, we may require the insured to take any action necessary to preserve his recovery
rights against any allegedly legally responsible person or organization. We may require the insured to make that
person or organization a defendant in any action against us.
3. ACTION AGAINST US
Suit will not lie against us unless the insured or his legal representative have fully complied with all the policy terms.
4. PROOF OF CLAIM - MEDICAL REPORTS
As soon as possible, the insured or other person making claim must give us written proof of claim, under oath if
required. This will include details of the nature and extent of injuries, treatment, and other facts which may affect the
amount payable.
The insured and other persons making claim must submit to examination under oath by any person named by us
when and as often as we may reasonably require. Proof of claim must be made on forms furnished by us unless we
have not furnished these forms within 15 days after receiving notice of claim.
The injured person will submit to examination by doctors chosen by us, at our expense, as we may reasonably
require. In the event of the insured's incapacity or death, his legal representative must, at our request, authorize us to
obtain medical reports and copies of records.
5. PAYMENT OF LOSS
Any amount due is payable:
(a) To the insured or his authorized representative;
(b) If the insured is a minor, to his parent or guardian; or
(c) If the insured is deceased, to his surviving spouse; otherwise
(d) To a person authorized by law to receive the payment; or to a person legally entitled to recover payment for the
damages.
We may, at our option, pay an amount due in accordance with (d) above.

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 SECTION V - GENERAL CONDITIONS
These conditions apply to all Coverages in this policy.
1. TERRITORY
This policy applies only to accidents, occurrences or losses during the policy period within the United States of
America, its territories or possessions, or Canada or when the auto is being transported between ports thereof.
2. PREMIUM
When you dispose of, acquire ownership of, or replace a private passenger auto, farm auto, or utility auto, any
necessary premium adjustment will be made as of the date of the change and in accordance with our manuals.
3. CHANGES
The terms and provisions of this policy cannot be waived or changed, except by an endorsement issued to form a part
of this policy.
We may revise this policy during its term to provide more coverage without an increase in premium. If we do so, your
policy will automatically include the broader coverage when effective in your state. The premium for each auto is
based on the information we have in your file. You agree:
(a) That we may adjust your policy premiums during the policy term if any of this information on which the premiums
are based is incorrect, incomplete or changed.
(b) That you will cooperate with us in determining if this information is correct and complete.
(c) That you will notify us of any changes in this information.
Any calculation or recalculation of your premium or changes in your coverage will be based on the rules, rates and
forms on file, if required, for our use in the State of Arizona.
4. ASSIGNMENT
Your rights and duties under this policy may not be assigned without our written consent. If you die, this policy will
cover:
(a) Your surviving spouse, if covered under the policy prior to your death;
(b) The executor or administrator of your estate, but only while operating an owned auto and only while acting within
the scope of his duties;
(c) Any person having proper custody of and operating the owned auto, as an insured, until the appointment and
qualification of the executor or administrator of your estate.
5. POLICY PERIOD
Unless otherwise cancelled, this policy will expire as shown in the Declarations. But, it may be continued by our offer
to renew and your acceptance by payment of the required renewal premium within seven days after the expiration
date. Each period will begin and expire as stated in the Declarations.
6. CANCELLATION BY THE INSURED
You may cancel this policy by providing notice to us stating when, after the notice, cancellation will be effective.
If this policy is cancelled, you may be entitled to a premium refund. If you cancel, the return premium will be
computed pro-rata.
7. CANCELLATION BY US
We may cancel this policy by mailing to you, at the address shown in this policy, written notice stating when the
cancellation will be effective. This notice will be mailed by certified mail or United States post office certificate of mailing.
We will mail this notice:
(a) 10 days in advance if the proposed cancellation is for non-payment of premium or any of its installments when
due;
(b) 10 days in advance in all other cases.
The mailing or delivery of the above notice will be sufficient proof of notice. The policy will cease to be in effect as of
the date and hour stated in the notice.
We will not cancel or refuse to renew your policy solely because of the location of residence, age, race, color,
religion, sex, national origin or ancestry of an insured. However, we may refuse to renew your policy if you establish
your primary residence in a state other than Arizona.
When we cancel, earned premium will be computed pro-rata. Any unearned premium due will be sent to you.

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8. CANCELLATION BY US IS LIMITED
After this policy has been in effect for 60 days or, if the policy is a renewal, effective immediately, we will not cancel
except for any of the following reasons:
(a) Non-payment of premium. If you fail to pay your premium by the premium due date, you are entitled to a
minimum grace period of seven days from the date the premium is due during which time your policy will remain
in force. This does not apply to the first payment due unless it is a first payment on a renewal policy.
(b) You obtained the policy through fraudulent misrepresentation.
(c) You, or an operator resident in your household or a customary operator:
(1) Have had your driver's license suspended or revoked during the policy period;
(2) Becomes, physically or mentally, permanently disabled and do not produce a physician's or registered nurse
practitioner's certificate stating that you are capable of operating a motor vehicle;
(3) Have been convicted within 36 months immediately preceding this policy's effective date or during the policy
period for:
(i) Criminal negligence resulting in death, homicide or assault, arising out of the operation of a motor vehicle;
(ii) Operating a motor vehicle while intoxicated or under the influence of drugs;
(iii) Leaving the scene of an accident;
(iv) Making false statements on an application for a driver's license;
(v) Reckless driving.
(d) We are placed in rehabilitation or receivership by the insurance supervisory official in our state of domicile or by a
court of competent jurisdiction.
(e) You, or an operator resident in your household or a customary operator who regularly and frequently operates a
motor vehicle rated or insured under the policy as a private passenger motor vehicle uses the vehicle regularly
and frequently for commercial purposes.
(f) The Director of Insurance determines that the continuation of the policy would place us in violation of the laws of
this state or would jeopardize our solvency.
(g) An owned auto or non-owned auto is used to provide transportation network services by you, any relative or
any other driver who regularly and customarily uses your owned auto .
However, this provision does not apply if, while the driver is logged in to the transportation network company’s
digital network or software application to be a driver or is providing transportation services, the named insured:
(i) Has procured an endorsement to the private passenger policy that expressly provides such coverage; or
(ii) Is covered by a motor vehicle liability insurance policy issued by another insurer expressly providing such
coverage.
We will not cancel under the paragraph (c) above if you agree in writing to exclude as an insured the person other
than you who has caused any of those conditions to occur, and agree to exclude coverage for yourself for any
negligence that may be charged by law to you due to the excluded person's maintenance, operation or use of a
vehicle.
9. RENEWAL
We will not refuse to renew this policy unless written notice of our refusal to renew is mailed to you, at the address
shown in this policy, at least 45 days prior to the expiration date. The written notice of our refusal to renew your policy
will be mailed by certified mail or United States Post Office certificate of mailing. The mailing or delivery of this notice
by us will be sufficient proof of notice. We may refuse to renew your policy if you establish a primary residence in a
state other than Arizona.
We will not fail to renew for the reasons listed under Condition 8., Cancellation by Us is Limited, paragraph (c), above
if you agree in writing to exclude as an insured the person other than you who has caused any of these conditions to
occur, and agree to exclude coverage for yourself for any negligence that may be charged by law to you due to the
excluded person's maintenance, operation or use of a vehicle.
10. DIVIDEND PROVISION
You are entitled to share in a distribution of the surplus of the Company as determined by its Board of Directors from
time to time.
11. DECLARATIONS
By accepting this policy, you agree that:
(a) The statements in your application and in the Declarations are your agreements and representations;
(b) This policy is issued in reliance upon the truth of these representations; and

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 (c) This policy, along with the application and declaration sheet, embodies all agreements relating to this insurance.
The terms of this policy cannot be changed orally.
12. FRAUD AND MISREPRESENTATION
Coverage is not provided to any person who:
(a) At the time of application or in negotiations therefore:
(1) Misrepresents, omits, conceals facts, or makes incorrect statements that are
a. Fraudulent,
b. Material either as to the acceptance of the risk, or the hazard assumed by the insurer, and
c. We in good faith would either not have issued the policy, or would not have issued a policy in as large an
amount, or would not have provided coverage with respect to the hazard resulting in the loss, if the true
facts had been made known to the insurer as required either by the application for the policy or otherwise;
or
(b) At any time during the policy period knowingly conceals or misrepresents any material fact or circumstance; or
(c) In connection with the presentation or settlement of a claim, knowingly conceals or misrepresents any material
fact or circumstance.
13. EXAMINATION UNDER OATH
The insured or any other person seeking coverage under this policy must submit to examination under oath by any
person named by us when and as often as we may require.
14. TERMS OF POLICY CONFORMED TO STATUTES
Any terms of this policy in conflict with the statutes of Arizona are amended to conform to those statutes.
15. DISPOSAL OF VEHICLE
If you relinquish possession of a leased vehicle or if you sell or relinquish ownership of an owned auto, any
coverage provided by this policy for that vehicle will terminate on the day you do so.
16. CHOICE OF LAW
The policy and any amendment(s) or endorsement(s) are to be interpreted pursuant to the laws of the state of
Arizona.

SECTION VI - AMENDMENTS AND ENDORSEMENTS

1. SPECIAL ENDORSEMENT - UNITED STATES GOVERNMENT EMPLOYEES
A. Under the Property Damage coverage of Section I, we provide coverage to United States Government
employees, civilian or military, using
1. Motor vehicles owned or leased by the United States Government or any of its agencies, or
2. Rented motor vehicles used for United States Government business, when such use is with the permission of
the United States Government. Subject to the limits described in paragraph B. below, we will pay sums you are
legally obligated to pay for damage to these vehicles.
B. The following limits apply to this Coverage:
1. A $100 deductible applies to each occurrence.
2. For vehicles described in A.1. above, our liability shall not exceed the lesser of the following:
(a) The actual cash value of the property at the time of the occurrence; or
(b) The cost to repair or replace the property, or any of its parts with other of like kind and quality; or
(c) Two months basic pay of the insured; or
(d) The limit of Property Damage liability coverage stated in the Declarations.
3. For vehicles described in A.2. above, our liability shall not exceed the lesser of the following:
(a) The actual cash value of the property at the time of the occurrence; or
(b) The cost to repair or replace the property, or any of its parts with other of like kind and quality; or
(c) The limit of Property Damage liability coverage stated in the Declarations.
This insurance is excess over other valid and collectible insurance.

W. C. E. Robinson Todd A. Combs

Secretary President

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