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HomeMy WebLinkAboutEXHIBIT CPOLICY NUMBER: COMMERCIAL AUTO CA 20 48 10 13 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CA 20 48 10 13 © Insurance Services Office, Inc., 2011 Page 1 of 1 DESIGNATED INSURED FOR COVERED AUTOS LIABILITY COVERAGE This endorsement modifies insurance provided under the following: AUTO DEALERS COVERAGE FORM BUSINESS AUTO COVERAGE FORM MOTOR CARRIER COVERAGE FORM With respect to coverage provided by this endorsement, the provisions of the Coverage Form apply unless modified by this endorsement. This endorsement identifies person(s) or organization(s) who are "insureds" for Covered Autos Liability Coverage under the Who Is An Insured provision of the Coverage Form. This endorsement does not alter coverage provided in the Coverage Form. This endorsement changes the policy effective on the inception date of the policy unless another date is indicated below. Named Insured: Endorsement Effective Date: SCHEDULE Name Of Person(s) Or Organization(s): Information required to complete this Schedule, if not shown above, will be shown in the Declarations. Each person or organization shown in the Schedule is an "insured" for Covered Autos Liability Coverage, but only to the extent that person or organization qualifies as an "insured" under the Who Is An Insured provision contained in Paragraph A.1. of Section II – Covered Autos Liability Coverage in the Business Auto and Motor Carrier Coverage Forms and Paragraph D.2. of Section I – Covered Autos Coverages of the Auto Dealers Coverage Form. 02-17-2020 JULIAN Andrew MORA DBA 2 MEXICANS LLC CoastHills Credit Union, PO Box 790472, san antonio, tx 78279 CA033798P2019 POLICY NUMBER: COMMERCIAL AUTO CA 99 23 10 13 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CA 99 23 10 13 © Insurance Services Office, Inc., 2011 Page 1 of 2 RENTAL REIMBURSEMENT COVERAGE This endorsement modifies insurance provided under the following: AUTO DEALERS COVERAGE FORM BUSINESS AUTO COVERAGE FORM MOTOR CARRIER COVERAGE FORM With respect to coverage provided by this endorsement, the provisions of the Coverage Form apply unless modified by the endorsement. This endorsement changes the policy effective on the inception date of the policy unless another date is indicated below. Named Insured: Endorsement Effective Date: SCHEDULE Maximum Payment Each Covered "Auto" Coverage Designation Or Description Of Covered "Autos" To Which This Insurance Applies Any One Day No. Of Days Any One Period Premium Comprehensive $ $ $ Collision $ $ $ Specified $ $ $ Causes Of Loss Total Premium $ Information required to complete this Schedule, if not shown above, will be shown in the Declarations. A. This endorsement provides only those coverages where a premium is shown in the Schedule. It applies only to a covered "auto" described or designated in the Schedule. B. We will pay for rental reimbursement expenses incurred by you for the rental of an "auto" because of "loss" to a covered "auto". Payment applies in addition to the otherwise applicable amount of each coverage you have on a covered "auto". No deductibles apply to this coverage. C. We will pay only for those expenses incurred during the policy period beginning 24 hours after the "loss" and ending, regardless of the policy's expiration, with the lesser of the following number of days: 1. The number of days reasonably required to repair or replace the covered "auto". If "loss" is caused by theft, this number of days is added to the number of days it takes to locate the covered "auto" and return it to you. 26 CA033798P2019 10 02-17-2020 JULIAN Andrew MORA DBA 2 MEXICANS LLC 25 30 7502015 FORD F250 1FT7W2AT6FEB14193 2015 FORD F250 1FT7W2AT6FEB14193 25 30 750 16 Page 2 of 2 © Insurance Services Office, Inc., 2011 CA 99 23 10 13 2. The number of days shown in the Schedule. D. Our payment is limited to the lesser of the following amounts: 1. Necessary and actual expenses incurred. 2. The maximum payment stated in the Schedule applicable to "any one day" or "any one period". E. This coverage does not apply while there are spare or reserve "autos" available to you for your operations. F. If "loss" results from the total theft of a covered "auto" of the private passenger type, we will pay under this coverage only that amount of your rental reimbursement expenses which is not already provided for under the Physical Damage Coverage Extension. POLICY NUMBER: COMMERCIAL AUTO CA 99 23 10 13 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CA 99 23 10 13 © Insurance Services Office, Inc., 2011 Page 1 of 2 RENTAL REIMBURSEMENT COVERAGE This endorsement modifies insurance provided under the following: AUTO DEALERS COVERAGE FORM BUSINESS AUTO COVERAGE FORM MOTOR CARRIER COVERAGE FORM With respect to coverage provided by this endorsement, the provisions of the Coverage Form apply unless modified by the endorsement. This endorsement changes the policy effective on the inception date of the policy unless another date is indicated below. Named Insured: Endorsement Effective Date: SCHEDULE Maximum Payment Each Covered "Auto" Coverage Designation Or Description Of Covered "Autos" To Which This Insurance Applies Any One Day No. Of Days Any One Period Premium Comprehensive $ $ $ Collision $ $ $ Specified $ $ $ Causes Of Loss Total Premium $ Information required to complete this Schedule, if not shown above, will be shown in the Declarations. A. This endorsement provides only those coverages where a premium is shown in the Schedule. It applies only to a covered "auto" described or designated in the Schedule. B. We will pay for rental reimbursement expenses incurred by you for the rental of an "auto" because of "loss" to a covered "auto". Payment applies in addition to the otherwise applicable amount of each coverage you have on a covered "auto". No deductibles apply to this coverage. C. We will pay only for those expenses incurred during the policy period beginning 24 hours after the "loss" and ending, regardless of the policy's expiration, with the lesser of the following number of days: 1. The number of days reasonably required to repair or replace the covered "auto". If "loss" is caused by theft, this number of days is added to the number of days it takes to locate the covered "auto" and return it to you. 26 CA033798P2019 10 02-17-2020 JULIAN Andrew MORA DBA 2 MEXICANS LLC 25 30 7502003 FORD F250 1FTNW21F33EA79383 2003 FORD F250 1FTNW21F33EA79383 25 30 750 16 Page 2 of 2 © Insurance Services Office, Inc., 2011 CA 99 23 10 13 2. The number of days shown in the Schedule. D. Our payment is limited to the lesser of the following amounts: 1. Necessary and actual expenses incurred. 2. The maximum payment stated in the Schedule applicable to "any one day" or "any one period". E. This coverage does not apply while there are spare or reserve "autos" available to you for your operations. F. If "loss" results from the total theft of a covered "auto" of the private passenger type, we will pay under this coverage only that amount of your rental reimbursement expenses which is not already provided for under the Physical Damage Coverage Extension. POLICY NUMBER: COMMERCIAL AUTO CA 99 23 10 13 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CA 99 23 10 13 © Insurance Services Office, Inc., 2011 Page 1 of 2 RENTAL REIMBURSEMENT COVERAGE This endorsement modifies insurance provided under the following: AUTO DEALERS COVERAGE FORM BUSINESS AUTO COVERAGE FORM MOTOR CARRIER COVERAGE FORM With respect to coverage provided by this endorsement, the provisions of the Coverage Form apply unless modified by the endorsement. This endorsement changes the policy effective on the inception date of the policy unless another date is indicated below. Named Insured: Endorsement Effective Date: SCHEDULE Maximum Payment Each Covered "Auto" Coverage Designation Or Description Of Covered "Autos" To Which This Insurance Applies Any One Day No. Of Days Any One Period Premium Comprehensive $ $ $ Collision $ $ $ Specified $ $ $ Causes Of Loss Total Premium $ Information required to complete this Schedule, if not shown above, will be shown in the Declarations. A. This endorsement provides only those coverages where a premium is shown in the Schedule. It applies only to a covered "auto" described or designated in the Schedule. B. We will pay for rental reimbursement expenses incurred by you for the rental of an "auto" because of "loss" to a covered "auto". Payment applies in addition to the otherwise applicable amount of each coverage you have on a covered "auto". No deductibles apply to this coverage. C. We will pay only for those expenses incurred during the policy period beginning 24 hours after the "loss" and ending, regardless of the policy's expiration, with the lesser of the following number of days: 1. The number of days reasonably required to repair or replace the covered "auto". If "loss" is caused by theft, this number of days is added to the number of days it takes to locate the covered "auto" and return it to you. 26 CA033798P2019 10 02-17-2020 JULIAN Andrew MORA DBA 2 MEXICANS LLC 25 30 7502012 KIA SORENTO 5XYKT3A10CG291882 2012 KIA SORENTO 5XYKT3A10CG291882 25 30 750 16 Page 2 of 2 © Insurance Services Office, Inc., 2011 CA 99 23 10 13 2. The number of days shown in the Schedule. D. Our payment is limited to the lesser of the following amounts: 1. Necessary and actual expenses incurred. 2. The maximum payment stated in the Schedule applicable to "any one day" or "any one period". E. This coverage does not apply while there are spare or reserve "autos" available to you for your operations. F. If "loss" results from the total theft of a covered "auto" of the private passenger type, we will pay under this coverage only that amount of your rental reimbursement expenses which is not already provided for under the Physical Damage Coverage Extension. POLICY NUMBER: COMMERCIAL AUTO CA 99 23 10 13 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CA 99 23 10 13 © Insurance Services Office, Inc., 2011 Page 1 of 2 RENTAL REIMBURSEMENT COVERAGE This endorsement modifies insurance provided under the following: AUTO DEALERS COVERAGE FORM BUSINESS AUTO COVERAGE FORM MOTOR CARRIER COVERAGE FORM With respect to coverage provided by this endorsement, the provisions of the Coverage Form apply unless modified by the endorsement. This endorsement changes the policy effective on the inception date of the policy unless another date is indicated below. Named Insured: Endorsement Effective Date: SCHEDULE Maximum Payment Each Covered "Auto" Coverage Designation Or Description Of Covered "Autos" To Which This Insurance Applies Any One Day No. Of Days Any One Period Premium Comprehensive $ $ $ Collision $ $ $ Specified $ $ $ Causes Of Loss Total Premium $ Information required to complete this Schedule, if not shown above, will be shown in the Declarations. A. This endorsement provides only those coverages where a premium is shown in the Schedule. It applies only to a covered "auto" described or designated in the Schedule. B. We will pay for rental reimbursement expenses incurred by you for the rental of an "auto" because of "loss" to a covered "auto". Payment applies in addition to the otherwise applicable amount of each coverage you have on a covered "auto". No deductibles apply to this coverage. C. We will pay only for those expenses incurred during the policy period beginning 24 hours after the "loss" and ending, regardless of the policy's expiration, with the lesser of the following number of days: 1. The number of days reasonably required to repair or replace the covered "auto". If "loss" is caused by theft, this number of days is added to the number of days it takes to locate the covered "auto" and return it to you. 26 CA033798P2019 10 02-17-2020 JULIAN Andrew MORA DBA 2 MEXICANS LLC 25 30 7502018 RAM 3500 3C63RRHL2JG400989 2018 RAM 3500 3C63RRHL2JG400989 25 30 750 16 Page 2 of 2 © Insurance Services Office, Inc., 2011 CA 99 23 10 13 2. The number of days shown in the Schedule. D. Our payment is limited to the lesser of the following amounts: 1. Necessary and actual expenses incurred. 2. The maximum payment stated in the Schedule applicable to "any one day" or "any one period". E. This coverage does not apply while there are spare or reserve "autos" available to you for your operations. F. If "loss" results from the total theft of a covered "auto" of the private passenger type, we will pay under this coverage only that amount of your rental reimbursement expenses which is not already provided for under the Physical Damage Coverage Extension. COMMERCIAL AUTO CA 99 44 10 13 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CA 99 44 10 13 © Insurance Services Office, Inc., 2011 Page 1 of 1 LOSS PAYABLE CLAUSE This endorsement modifies insurance provided under the following: AUTO DEALERS COVERAGE FORM BUSINESS AUTO COVERAGE FORM MOTOR CARRIER COVERAGE FORM With respect to coverage provided by this endorsement, the provisions of the Coverage Form apply unless modified by the endorsement. A. We will pay, as interest may appear, you and the loss payee named in the policy for "loss" to a covered "auto". B. The insurance covers the interest of the loss payee unless the "loss" results from conversion, secretion or embezzlement on your part. C. We may cancel the policy as allowed by the Cancellation Common Policy Condition. Cancellation ends this agreement as to the loss payee's interest. If we cancel the policy, we will mail you and the loss payee the same advance notice. D. If we make any payments to the loss payee, we will obtain his or her rights against any other party. POLICY NUMBER: CA033798P2019 BUSINESS AUTO CA DS 03 10 13 Includes copyrighted material of Insurance Services Office, with its permission Page 1 of 7 © Insurance Services Office, Inc., 2012 MetLife Auto & Home is a brand of Metropolitan Property and Casualty Insurance Company and its affiliates, Warwick, RI. BUSINESS AUTO DECLARATIONS ITEM ONE Company Name: METROPOLITAN DIRECT PROPERTY AND CASUALTY INSURANCE COMPANY (A Stock Insurance Company) Administrative Offices: 700 Quaker Lane, P.O. Box 350 Warwick, Rhode Island 02887 Producer: Smart Start Commercial Named Insured: JULIAN Andrew MORA DBA 2 MEXICANS LLC Mailing Address: 3052 Main St, Morro Bay, CA 93442-1351 Policy Period From: 11-26-2019 To: 11-26-2020 At 12:01 AM Standard Time at your mailing address shown above Transaction: Endorse Form Of Business: Corporation X Limited Liability Company Individual Partnership Other: Total Premium: $4,011.00 Total Taxes, Assessments, & Fees (Refer to Schedule of State Taxes and Surcharges) $7.20 Total Premium, Taxes, Assessments, & Fees $4,018.20 Premium Shown Is Payable At Inception: $4,018.20 Audit Period (if applicable): Annually Semiannually Quarterly Monthly IN RETURN FOR THE PAYMENT OF THE PREMIUM, AND SUBJECT TO ALL THE TERMS OF THIS POLICY, WE AGREE WITH YOU TO PROVIDE THE INSURANCE AS STATED IN THIS POLICY. Countersignature Of Authorized Representative Name: Smart Start Commercial Signature: Title: Date: For assistance, please contact your agent or you may call: 1-888-231-1497 or mail to: 1333 Main St., Suite 600 Columbia, SC29201 For Claims assistance 24/7/365, you may call: 1-855-500-3695 or mail to: PO Box 14436 Lexington, KY 40512-4436 In Witness Whereof, we have caused this policy to be signed by our President and our Secretary at Warwick, Rhode Island. In the event that the President or Secretary who signed this contract cease to be our officers either before or after the contract is issued, the contract may be issued with the same effect as if they were still our officers. Facsimile Signature of Secretary Facsimile Signature of President POLICY NUMBER: CA033798P2019 BUSINESS AUTO CA DS 03 10 13 Includes copyrighted material of Insurance Services Office, with its permission Page 2 of 7 © Insurance Services Office, Inc., 2012 MetLife Auto & Home is a brand of Metropolitan Property and Casualty Insurance Company and its affiliates, Warwick, RI. Forms and Endorsements Attached To This Policy CA 20 48 10 13 DESIGNATED INSURED FOR COVERED AUTOS LIABILITY COVERAGE CA 99 23 10 13 RENTAL REIMBURSEMENT COVERAGE CA 99 44 10 13 LOSS PAYABLE CLAUSE CA DS 03 10 13 BUSINESS AUTO DECLARATIONS CA 01 43 10 13 CALIFORNIA CHANGES CA 03 05 10 13 CALIFORNIA CHANGES - WAIVER OF COLLISION DEDUCTIBLE CA 04 24 10 13 CALIFORNIA AUTO MEDICAL PAYMENTS COVERAGE CA 21 54 10 13 CALIFORNIA UNINSURED MOTORISTS COVERAGE - BODILY INJURY ACORD 51 CA 07 04 CALIFORNIA INSURANCE IDENTIFICATION CARD IL 00 21 09 08 NUCLEAR ENERGY LIABILITY EXCLUSION ENDORSEMENT (BROAD FORM) IL 12 01 11 85 POLICY CHANGES IL 02 70 09 12 CALIFORNIA CHANGES - CANCELLATION AND NONRENEWAL MESSAGE SECTION DRIVERS SECTION Name DOB Julian Mora 08-12-1991 Tanner Dia 10-03-1990 Jovany Velez 08-04-1987 POLICY NUMBER: CA033798P2019 BUSINESS AUTO CA DS 03 10 13 Includes copyrighted material of Insurance Services Office, with its permission Page 3 of 7 © Insurance Services Office, Inc., 2012 MetLife Auto & Home is a brand of Metropolitan Property and Casualty Insurance Company and its affiliates, Warwick, RI. ITEM TWO Schedule Of Coverages And Covered Autos This policy provides only those coverages where a charge is shown in the premium column below. Each of these coverages will apply only to those "autos" shown as covered "autos". "Autos" are shown as covered "autos" for a particular coverage by the entry of one or more of the symbols from the Covered Autos section of the Business Auto Coverage Form next to the name of the coverage. Coverages Covered Autos Limit Premium Covered Autos Liability 7 $ 100,000 Each "Accident" $2,236.20 Uninsured Motorists 7 $ 100,000 Each "Accident" $96.00 Underinsured Motorists [When Not included in Uninsured Motorist ] 7 $ 100,000 Each "Accident"Included Uninsured Motorists Property Damage 7 $ 3500 Each ‘’Accident’’ Uninsured Motorists 7 $ 100,000 Each "Accident" $96.00 Underinsured Motorists [When Not included in Uninsured Motorist ] 7 $ 60,000 Each "Accident" Included Uninsured Motorists Property Damage Not Purchased Auto Medical Payments 7 $ 5000 Each "Accident" $200.00 Physical Damage Comprehensive 7 Actual Cash Value or Cost of Repair, whichever Is less, minus the Deductible applicable to the Covered Auto, but no deductible applies to loss caused by fire or lightning $387.00 Physical Damage Collision 7 Actual Cash Value or Cost of Repair, whichever Is less, minus the Deductible applicable to the Covered Auto $995.00 Physical Damage Towing and Labor Not Purchased Drive Other Car – Broadened Coverage for Named Individuals Not Purchased Business Auto Plus Endorsement Not Purchased Change in Conditions Auto Loan/Lease Gap Not Purchased Business Interruption Not Purchased Rental Reimbursement 7 Refer to Schedule on Endorsement $104.00 Optional Limits – Loss of Use Expenses Not Purchased Audio, Visual and Data Electronic Equipment Added Limits Not Purchased Tapes, Records and Discs Not Purchased Limited Mexico Not Purchased Total Premium $4,018.20 Physical Damage Comprehensive 7 Actual Cash Value or Cost of Repair, whichever Is less, minus the Deductible applicable to the Covered Auto, but no deductible applies to loss caused by fire or lightning $387.00 Physical Damage Collision 7 Actual Cash Value or Cost of Repair, whichever Is less, minus the $995.00 POLICY NUMBER: CA033798P2019 BUSINESS AUTO CA DS 03 10 13 Includes copyrighted material of Insurance Services Office, with its permission Page 4 of 7 © Insurance Services Office, Inc., 2012 MetLife Auto & Home is a brand of Metropolitan Property and Casualty Insurance Company and its affiliates, Warwick, RI. Deductible applicable to the Covered Auto Physical Damage Towing and Labor Not Purchased Drive Other Car – Broadened Coverage for Named Individuals Not Purchased Business Auto Plus Endorsement Not Purchased Change in Conditions Auto Loan/Lease Gap Not Purchased Business Interruption Not Purchased Rental Reimbursement 7 Refer to Schedule on Endorsement $104.00 Optional Limits – Loss of Use Expenses Not Purchased Audio, Visual and Data Electronic Equipment Added Limits Not Purchased Tapes, Records and Discs Not Purchased Limited Mexico Not Purchased Total Premium $4,018.20 ITEM THREE Schedule Of Covered Autos You Own Covered Auto Number:1 Vehicle Premium: 1,128.00 Town, State and Zip Code where the Covered Auto will be Principally Garaged: Morro Bay, CA 93442-1351 Covered Auto Description Year: 2015 Make: FORD Model: F250 Body Type: Truck Vehicle Identification Number (VIN): 1FT7W2AT6FEB14193 Serial Number: Coverage applies to this vehicle when the checkbox has an X. Refer to Item Two for the applicable Limit for the corresponding Coverage. Liability Coverages Covered Autos Liability Uninsured Motorists Underinsured Motorists [When Not included in Uninsured Motorist ] Auto Medical Payments Personal Injury Protection Additional Personal Injury Protection X X X Physical Damages Coverages Comprehensive [ACV not to exceed the Stated Amount when shown below] Collision [ACV not to exceed the Stated Amount when shown below] Uninsured Motorists Property Damage Towing and Labor Auto Loan/ Lease Gap Audio, Visual and Data Electronic Equipment Added Limits Tapes, Records and Discs X X Stated Amount $ $ Deductible $ 1,000 $ 1,000 A covered loss is payable to You and the Lessor/Loss Payee named below according to their interests in the Auto at the time of the loss. Lessor/Loss Payee: Covered Auto Number:2 Vehicle Premium: 791.00 Town, State and Zip Code where the Covered Auto will be Principally Garaged: Morro Bay, CA 93442-1351 Covered Auto Description POLICY NUMBER: CA033798P2019 BUSINESS AUTO CA DS 03 10 13 Includes copyrighted material of Insurance Services Office, with its permission Page 5 of 7 © Insurance Services Office, Inc., 2012 MetLife Auto & Home is a brand of Metropolitan Property and Casualty Insurance Company and its affiliates, Warwick, RI. Year: 2003 Make: FORD Model: F250 Body Type: Truck Vehicle Identification Number (VIN): 1FTNW21F33EA79383 Serial Number: Coverage applies to this vehicle when the checkbox has an X. Refer to Item Two for the applicable Limit for the corresponding Coverage. Liability Coverages Covered Autos Liability Uninsured Motorists Underinsured Motorists [When Not included in Uninsured Motorist ] Auto Medical Payments Personal Injury Protection Additional Personal Injury Protection X X X Physical Damages Coverages Comprehensive [ACV not to exceed the Stated Amount when shown below] Collision [ACV not to exceed the Stated Amount when shown below] Uninsured Motorists Property Damage Towing and Labor Auto Loan/ Lease Gap Audio, Visual and Data Electronic Equipment Added Limits Tapes, Records and Discs X X Stated Amount $ $ Deductible $ 1,000 $ 1,000 A covered loss is payable to You and the Lessor/Loss Payee named below according to their interests in the Auto at the time of the loss. Lessor/Loss Payee: Coasthills Credit Union Covered Auto Number:2 Vehicle Premium: 953.00 Town, State and Zip Code where the Covered Auto will be Principally Garaged: Morro Bay, CA 93442-1351 Covered Auto Description Year: 2012 Make: KIA Model: SORENTO Body Type: Truck Vehicle Identification Number (VIN): 5XYKT3A10CG291882 Serial Number: Coverage applies to this vehicle when the checkbox has an X. Refer to Item Two for the applicable Limit for the corresponding Coverage. Liability Coverages Covered Autos Liability Uninsured Motorists Underinsured Motorists [When Not included in Uninsured Motorist ] Auto Medical Payments Personal Injury Protection Additional Personal Injury Protection X X X Physical Damages Coverages Comprehensive [ACV not to exceed the Stated Amount when shown below] Collision [ACV not to exceed the Stated Amount when shown below] Uninsured Motorists Property Damage Towing and Labor Auto Loan/ Lease Gap Audio, Visual and Data Electronic Equipment Added Limits Tapes, Records and Discs X X Stated Amount $ $ Deductible $ 1,000 $ 1,000 A covered loss is payable to You and the Lessor/Loss Payee named below according to their interests in the Auto at the time of the loss. Lessor/Loss Payee: Covered Auto Number:3 Vehicle Premium: 1,139.00 Town, State and Zip Code where the Covered Auto will be Principally Garaged: Morro Bay, CA 93442-1351 Covered Auto Description Year: 2018 Make: RAM Model: 3500 Body Type: Truck Vehicle Identification Number (VIN): 3C63RRHL2JG400989 Serial Number: POLICY NUMBER: CA033798P2019 BUSINESS AUTO CA DS 03 10 13 Includes copyrighted material of Insurance Services Office, with its permission Page 6 of 7 © Insurance Services Office, Inc., 2012 MetLife Auto & Home is a brand of Metropolitan Property and Casualty Insurance Company and its affiliates, Warwick, RI. Coverage applies to this vehicle when the checkbox has an X. Refer to Item Two for the applicable Limit for the corresponding Coverage. Liability Coverages Covered Autos Liability Uninsured Motorists Underinsured Motorists [When Not included in Uninsured Motorist ] Auto Medical Payments Personal Injury Protection Additional Personal Injury Protection X X X Physical Damages Coverages Comprehensive [ACV not to exceed the Stated Amount when shown below] Collision [ACV not to exceed the Stated Amount when shown below] Uninsured Motorists Property Damage Towing and Labor Auto Loan/ Lease Gap Audio, Visual and Data Electronic Equipment Added Limits Tapes, Records and Discs X X Stated Amount $ $ Deductible $ 1,000 $ 1,000 A covered loss is payable to You and the Lessor/Loss Payee named below according to their interests in the Auto at the time of the loss. Lessor/Loss Payee: Coasthills Credit Union POLICY NUMBER: CA033798P2019 BUSINESS AUTO CA DS 03 10 13 Includes copyrighted material of Insurance Services Office, with its permission Page 7 of 7 © Insurance Services Office, Inc., 2012 MetLife Auto & Home is a brand of Metropolitan Property and Casualty Insurance Company and its affiliates, Warwick, RI. ITEM FOUR SCHEDULE California Liability Coverage - Rating Basis, Cost Of Hire Factor Estimated Cost Rate Per Each (If Liability Of Hire For $100 Cost Coverage Is State Each State Of Hire Primary)Premium CA $ $ Coverages Limit Of Insurance Actual Cash Value Or Cost Of Repair, Whichever Is Less, Minus $ Deductible For Each Covered Auto, But No Deductible Applies To Loss Caused By Fire Or Lightning. Comprehensive Estimated Annual Rate Per Each $100 Cost Of Hire Annual Cost Of Hire Premium $ $ $ Actual Cash Value Or Cost Of Repair, Whichever Is Less, Minus $ Deductible For Each Covered Auto For Loss Caused Specified By Mischief Or Vandalism. Causes Of Loss Estimated Annual Rate Per Each $100 Cost Of Hire Annual Cost Of Hire Premium $ $ $ Actual Cash Value Or Cost Of Repair, Whichever Is Less, Minus $ Deductible For Each Covered Auto. Collision Estimated Annual Rate Per Each $100 Cost Of Hire Annual Cost Of Hire Premium $ $ $ COMMERCIAL AUTO CA 01 43 10 13 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CA 01 43 10 13 © Insurance Services Office, Inc., 2012 Page 1 of 2 CALIFORNIA CHANGES For a covered "auto" licensed or principally garaged in, or "auto dealer operations" conducted in, California, this endorsement modifies insurance provided under the following: AUTO DEALERS COVERAGE FORM BUSINESS AUTO COVERAGE FORM MOTOR CARRIER COVERAGE FORM With respect to coverage provided by this endorsement, the provisions of the Coverage Form apply unless modified by the endorsement. A. The term "spouse" is replaced by the following: Spouse or registered domestic partner under California law. B. The following are added to the Other Insurance Condition in the Auto Dealers and Business Auto Coverage Forms and the Other Insurance – Primary And Excess Insurance Provisions Condition in the Motor Carrier Coverage Form and supersede any provisions to the contrary: 1. When this Coverage Form and any other Coverage Form or policy providing liability coverage apply to an "auto" and: a. One provides coverage to a Named Insured engaged in the business of selling, repairing, servicing, delivering, testing or road-testing "autos"; and b. The other provides coverage to a person not engaged in that business; and c. At the time of an "accident", a person described in Paragraph 1.b. is operating an "auto" owned by the business described in Paragraph 1.a., then that person's liability coverage is primary and the Coverage Form issued to a business described in Paragraph 1.a. is excess over any coverage available to that person. 2. When this Coverage Form and any other Coverage Form or policy providing liability coverage apply to an "auto" and: a. One provides coverage to a Named Insured engaged in the business of selling, repairing, servicing, delivering, testing or road-testing "autos"; and b. The other provides coverage to a person not engaged in that business; and c. At the time of an "accident", an "insured" under the Coverage Form described in Paragraph 2.a. is operating an "auto" owned by a person described in Paragraph 2.b., then the Coverage Form issued to the business described in Paragraph 2.a. is primary and the liability coverage issued to a person described in Paragraph 2.b. is excess over any coverage available to the business. 3. When this Coverage Form and any other Coverage Form or policy providing liability coverage apply to a "commercial vehicle" and: a. One provides coverage to a Named Insured, who in the course of business, rents or leases "commercial vehicles" without operators; and b. The other provides coverage to a person other than as described in Paragraph 3.a.; and c. At the time of an "accident", a person who is not the Named Insured of the policy described in Paragraph 3.a., and who is not the agent or "employee" of such Named Insured, is operating a "commercial vehicle" provided by the business covered by the Coverage Form or policy described in Paragraph 3.a., then the liability coverage provided by the Coverage Form or policy described in Paragraph 3.b. is primary, and the liability coverage provided by the Coverage Form or policy described in Paragraph 3.a. is excess over any coverage available to that person. Page 2 of 2 © Insurance Services Office, Inc., 2012 CA 01 43 10 13 4. Notwithstanding Paragraph B.3., when this Coverage Form and any other Coverage Form or policy providing liability coverage apply to a power unit and any connected "trailer" or "trailers" and: a. One provides coverage to a Named Insured engaged in the business of transporting property by "auto" for hire; and b. The other provides coverage to a Named Insured not engaged in that business; and c. At the time of an "accident", a power unit is being operated by a person insured under the Coverage Form or policy described in Paragraph 4.a., then that Coverage Form or policy is primary for both the power unit and any connected "trailer" or "trailers" and the Coverage Form or policy described in Paragraph 4.b. is excess over any other coverage available to such power unit and attached "trailer" or "trailers". C. As used in this endorsement: "Commercial vehicle" means an "auto" subject to registration or identification under California law which is: 1. Used or maintained for the transportation of persons for hire, compensation or profit; 2. Designed, used or maintained primarily for the transportation of property; or 3. Leased for a period of six months or more. POLICY NUMBER: COMMERCIAL AUTO CA 03 05 10 13 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CA 03 05 10 13 © Insurance Services Office, Inc., 2012 Page 1 of 2 CALIFORNIA CHANGES – WAIVER OF COLLISION DEDUCTIBLE For a covered "auto" licensed or principally garaged in, or "auto dealer operations" conducted in, California, this endorsement modifies insurance provided under the following: AUTO DEALERS COVERAGE FORM BUSINESS AUTO COVERAGE FORM MOTOR CARRIER COVERAGE FORM With respect to coverage provided by this endorsement, the provisions of the Coverage Form apply unless modified by the endorsement. Named Insured: Endorsement Effective Date: SCHEDULE Waiver Of Collision Deductible Designation Or Description Of Covered "Auto" Premium $ $ $ Information required to complete this Schedule, if not shown above, will be shown in the Declarations. A. When Physical Damage Coverage provides coverage for a "loss" to a covered "auto" caused by its collision or upset, and: 1. The "loss" involves an "uninsured motor vehicle"; and 2. You are legally entitled to recover the full amount of your "loss" from the owner or operator of the "uninsured motor vehicle"; and 3. The Schedule indicates that the Waiver Of Collision Deductible provision applies to the covered "auto"; then we will pay the full deductible. Subject to the above, if you are legally entitled to recover only a percentage of your "loss", we will pay that percentage of your deductible. However, if the amount of the "loss" is less than your deductible, we will pay the percentage of the "loss" that you are legally entitled to recover. In no event will we pay more than the amount of the "loss". CA033798P2019 02-17-2020 JULIAN Andrew MORA DBA 2 MEXICANS LLC 2015 FORD F250 1FT7W2AT6FEB14193 11 2012 KIA SORENTO 5XYKT3A10CG291882 2003 FORD F250 1FTNW21F33EA79383 11 11 Page 2 of 2 © Insurance Services Office, Inc., 2012 CA 03 05 10 13 B. Conditions 1. The following is added to the Conditions section: Arbitration a. If we and an "insured" disagree whether the "insured" is legally entitled to recover damages from the owner or operator of an "uninsured motor vehicle" or do not agree as to the amount of damages that are recoverable by that "insured", the disagreement will be settled by a single neutral arbitrator. However, disputes concerning coverage under this endorsement may not be arbitrated. The arbitration must be formally instituted by the "insured" within one year from the date of the "accident". Each party will bear the expenses of the arbitrator equally. b. Unless both parties agree otherwise, arbitration will take place in the county in which the "insured" lives. Local rules of law as to arbitration procedure and evidence will apply. The decision of the arbitrator will be binding. 2. Paragraph 2.a. of the Duties In The Event Of Accident, Claim, Suit Or Loss Condition in the Business Auto and Motor Carrier Coverage Forms and Paragraph 2.a. of the Duties In The Event Of Accident, Claim, Offense, Suit, Loss Or Acts, Errors Or Omissions Condition in the Auto Dealers Coverage Form are replaced by the following: a. You must report the "accident" or "loss" to us or our agent within 10 business days. You must tell us how, when and where the "loss" happened. You must assist in obtaining names and addresses of any injured persons and witnesses. C. Additional Definitions As used in this endorsement: 1. For Physical Damage Coverage: a. "Auto" means a self-propelled motor vehicle. However, it does not include: (1) A vehicle transporting persons for hire, compensation or profit, other than a van pool vehicle; (2) A vehicle designed, used or maintained primarily for the transportation of property; or (3) "Mobile equipment". b. "Uninsured motor vehicle" means a land motor vehicle or trailer which is involved in a collision with a covered "auto" and for which: (1) No liability bond or policy at the time of an "accident" provides at least the amount required for property damage liability by the California Financial Responsibility Law; or (2) The insuring or bonding company denies coverage or refuses to admit coverage except conditionally or with reservation or becomes insolvent. The collision must involve direct physical contact between a covered "auto" and the "uninsured motor vehicle" and: (1) The owner or operator of that vehicle must be identified; or (2) The "uninsured motor vehicle" must be identified by its license number. However, "uninsured motor vehicle" does not include any vehicle: (1) Owned or operated by a self-insurer under any applicable motor vehicle law except a self-insurer who is or becomes insolvent and cannot provide the amounts required by that motor vehicle law; (2) Owned by a governmental unit or agency; or (3) Designed for use mainly off public roads while not on public roads. POLICY NUMBER: COMMERCIAL AUTO CA 03 05 10 13 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CA 03 05 10 13 © Insurance Services Office, Inc., 2012 Page 1 of 2 CALIFORNIA CHANGES – WAIVER OF COLLISION DEDUCTIBLE For a covered "auto" licensed or principally garaged in, or "auto dealer operations" conducted in, California, this endorsement modifies insurance provided under the following: AUTO DEALERS COVERAGE FORM BUSINESS AUTO COVERAGE FORM MOTOR CARRIER COVERAGE FORM With respect to coverage provided by this endorsement, the provisions of the Coverage Form apply unless modified by the endorsement. Named Insured: Endorsement Effective Date: SCHEDULE Waiver Of Collision Deductible Designation Or Description Of Covered "Auto" Premium $ $ $ Information required to complete this Schedule, if not shown above, will be shown in the Declarations. A. When Physical Damage Coverage provides coverage for a "loss" to a covered "auto" caused by its collision or upset, and: 1. The "loss" involves an "uninsured motor vehicle"; and 2. You are legally entitled to recover the full amount of your "loss" from the owner or operator of the "uninsured motor vehicle"; and 3. The Schedule indicates that the Waiver Of Collision Deductible provision applies to the covered "auto"; then we will pay the full deductible. Subject to the above, if you are legally entitled to recover only a percentage of your "loss", we will pay that percentage of your deductible. However, if the amount of the "loss" is less than your deductible, we will pay the percentage of the "loss" that you are legally entitled to recover. In no event will we pay more than the amount of the "loss". CA033798P2019 02-17-2020 JULIAN Andrew MORA DBA 2 MEXICANS LLC 2018 RAM 3500 3C63RRHL2JG400989 11 Page 2 of 2 © Insurance Services Office, Inc., 2012 CA 03 05 10 13 B. Conditions 1. The following is added to the Conditions section: Arbitration a. If we and an "insured" disagree whether the "insured" is legally entitled to recover damages from the owner or operator of an "uninsured motor vehicle" or do not agree as to the amount of damages that are recoverable by that "insured", the disagreement will be settled by a single neutral arbitrator. However, disputes concerning coverage under this endorsement may not be arbitrated. The arbitration must be formally instituted by the "insured" within one year from the date of the "accident". Each party will bear the expenses of the arbitrator equally. b. Unless both parties agree otherwise, arbitration will take place in the county in which the "insured" lives. Local rules of law as to arbitration procedure and evidence will apply. The decision of the arbitrator will be binding. 2. Paragraph 2.a. of the Duties In The Event Of Accident, Claim, Suit Or Loss Condition in the Business Auto and Motor Carrier Coverage Forms and Paragraph 2.a. of the Duties In The Event Of Accident, Claim, Offense, Suit, Loss Or Acts, Errors Or Omissions Condition in the Auto Dealers Coverage Form are replaced by the following: a. You must report the "accident" or "loss" to us or our agent within 10 business days. You must tell us how, when and where the "loss" happened. You must assist in obtaining names and addresses of any injured persons and witnesses. C. Additional Definitions As used in this endorsement: 1. For Physical Damage Coverage: a. "Auto" means a self-propelled motor vehicle. However, it does not include: (1) A vehicle transporting persons for hire, compensation or profit, other than a van pool vehicle; (2) A vehicle designed, used or maintained primarily for the transportation of property; or (3) "Mobile equipment". b. "Uninsured motor vehicle" means a land motor vehicle or trailer which is involved in a collision with a covered "auto" and for which: (1) No liability bond or policy at the time of an "accident" provides at least the amount required for property damage liability by the California Financial Responsibility Law; or (2) The insuring or bonding company denies coverage or refuses to admit coverage except conditionally or with reservation or becomes insolvent. The collision must involve direct physical contact between a covered "auto" and the "uninsured motor vehicle" and: (1) The owner or operator of that vehicle must be identified; or (2) The "uninsured motor vehicle" must be identified by its license number. However, "uninsured motor vehicle" does not include any vehicle: (1) Owned or operated by a self-insurer under any applicable motor vehicle law except a self-insurer who is or becomes insolvent and cannot provide the amounts required by that motor vehicle law; (2) Owned by a governmental unit or agency; or (3) Designed for use mainly off public roads while not on public roads. COMMERCIAL AUTO CA 04 24 10 13 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CA 04 24 10 13 © Insurance Services Office, Inc., 2012 Page 1 of 2 CALIFORNIA AUTO MEDICAL PAYMENTS COVERAGE This endorsement modifies insurance provided under the following: AUTO DEALERS COVERAGE FORM BUSINESS AUTO COVERAGE FORM MOTOR CARRIER COVERAGE FORM With respect to coverage provided by this endorsement, the provisions of the Coverage Form apply unless modified by the endorsement. A. Coverage We will pay reasonable expenses incurred for necessary medical and funeral services to or for an "insured" who sustains "bodily injury" caused by "accident". We will pay only those expenses incurred, for services rendered within three years from the date of the "accident". B. Who Is An Insured 1. You while "occupying" or, while a pedestrian, when struck by any "auto". 2. If you are an individual, any "family member" while "occupying" or, while a pedestrian, when struck by any "auto". 3. Anyone else "occupying" a covered "auto" or a temporary substitute for a covered "auto". The covered "auto" must be out of service because of its breakdown, repair, servicing, loss or destruction. C. Exclusions This insurance does not apply to any of the following: 1. "Bodily injury" sustained by an "insured" while "occupying" a vehicle located for use as a premises. 2. "Bodily injury" sustained by you or any "family member" while "occupying" or struck by any vehicle (other than a covered "auto") owned by you or furnished or available for your regular use. 3. "Bodily injury" sustained by any "family member" while "occupying" or struck by any vehicle (other than a covered "auto") owned by or furnished or available for the regular use of any "family member". 4. "Bodily injury" to your "employee" arising out of and in the course of employment by you. However, we will cover "bodily injury" to your domestic "employees" if not entitled to workers' compensation benefits. For the purposes of this endorsement, a domestic "employee" is a person engaged in household or domestic work performed principally in connection with a residence premises. 5. "Bodily injury" to an "insured" while working in a business of selling, servicing, repairing or parking "autos" unless that business is yours. 6. "Bodily injury" arising directly or indirectly out of: a. War, including undeclared or civil war; b. Warlike action by a military force, including action in hindering or defending against an actual or expected attack, by any government, sovereign or other authority using military personnel or other agents; or c. Insurrection, rebellion, revolution, usurped power, or action taken by governmental authority in hindering or defending against any of these. Page 2 of 2 © Insurance Services Office, Inc., 2012 CA 04 24 10 13 7. "Bodily injury" to anyone using a vehicle without a reasonable belief that the person is entitled to do so. 8. "Bodily injury" sustained by an "insured" while "occupying" any covered "auto" while used in any professional racing or demolition contest or stunting activity, or while practicing for such contest or activity. This insurance also does not apply to any "bodily injury" sustained by an "insured" while the "auto" is being prepared for such a contest or activity. D. Limit Of Insurance Regardless of the number of covered "autos", "insureds", premiums paid, claims made or vehicles involved in the "accident", the most we will pay for "bodily injury" for each "insured" injured in any one "accident" is the Limit Of Insurance for Auto Medical Payments Coverage shown in the Declarations. No one will be entitled to receive duplicate payments for the same elements of "loss" under this coverage and any Liability Coverage form, Uninsured Motorists Coverage endorsement or Underinsured Motorists Coverage endorsement attached to this Coverage Part. E. Changes In Conditions The Conditions are changed for Auto Medical Payments Coverage as follows: 1. The Transfer Of Rights Of Recovery Against Others To Us Condition does not apply. 2. The reference in Other Insurance in the Auto Dealers and Business Auto Coverage Forms and Other Insurance – Primary And Excess Insurance Provisions in the Motor Carrier Coverage Form to "other collectible insurance" applies only to other collectible auto medical payments insurance. F. Additional Definitions As used in this endorsement: 1. "Family member" means a person related to you by blood, adoption, marriage or registered domestic partnership under California law, who is a resident of your household, including a ward or foster child. 2. "Occupying" means in, upon, getting in, on, out or off. POLICY NUMBER: COMMERCIAL AUTO CA 21 54 10 13 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CA 21 54 10 13 © Insurance Services Office, Inc., 2012 Page 1 of 4 CALIFORNIA UNINSURED MOTORISTS COVERAGE – BODILY INJURY For a covered "auto" licensed or principally garaged in, or "auto dealer operations" conducted in, California, this endorsement modifies insurance provided under the following: AUTO DEALERS COVERAGE FORM BUSINESS AUTO COVERAGE FORM MOTOR CARRIER COVERAGE FORM With respect to coverage provided by this endorsement, the provisions of the Coverage Form apply unless modified by the endorsement. This endorsement changes the policy effective on the inception date of the policy unless another date is indicated below. Named Insured: Endorsement Effective Date: SCHEDULE Limit Of Insurance: $ Each "Accident" Information required to complete this Schedule, if not shown above, will be shown in the Declarations. A. Coverage 1. We will pay all sums the "insured" is legally entitled to recover as compensatory damages from the owner or driver of an "uninsured motor vehicle". The damages must result from "bodily injury" sustained by the "insured" caused by an "accident". The owner's or driver's liability for these damages must result from the ownership, maintenance or use of the "uninsured motor vehicle". 2. We will pay only after the limits of liability under any liability bonds or policies have been exhausted by payment of judgments or settlements. 3. Any judgment for damages arising out of a "suit" brought without our written consent is not binding on us. B. Who Is An Insured If the Named Insured is designated in the Declarations as: 1. An individual, then the following are "insureds": a. The Named Insured and any "family members". b. Anyone else "occupying" a covered "auto" or a temporary substitute for a covered "auto". The covered "auto" must be out of service because of its breakdown, repair, servicing, "loss" or destruction. c. Anyone for damages he or she is entitled to recover because of "bodily injury" sustained by another "insured". 100,000 CA033798P2019 02-17-2020 JULIAN Andrew MORA DBA 2 MEXICANS LLC Page 2 of 4 © Insurance Services Office, Inc., 2012 CA 21 54 10 13 2. A partnership, limited liability company, corporation or any other form of organization, then the following are "insureds": a. Anyone "occupying" a covered "auto" or a temporary substitute for a covered "auto". The covered "auto" must be out of service because of its breakdown, repair, servicing, "loss" or destruction. b. Anyone for damages he or she is entitled to recover because of "bodily injury" sustained by another "insured". C. Exclusions This insurance does not apply to any of the following: 1. Punitive or exemplary damages. 2. Any claim settled without our consent. However, this exclusion does not apply to a settlement made with the insurer of a vehicle described in Paragraph b. of the definition of "uninsured motor vehicle". 3. The direct or indirect benefit of any insurer or self-insurer under any workers' compensation, disability benefits or similar law or to the direct benefit of the United States, a state or its political subdivisions. 4. "Bodily injury" sustained by: a. An individual Named Insured while "occupying" or when struck by any vehicle owned by that Named Insured that is not a covered "auto" for Uninsured Motorists Coverage under this Coverage Form; b. Any "family member" while "occupying" or when struck by any vehicle owned by that "family member" that is not a covered "auto" for Uninsured Motorists Coverage under this Coverage Form; or c. Any "family member" while "occupying" or when struck by any vehicle owned by the Named Insured that is insured for Uninsured Motorists Coverage on a primary basis under any other Coverage Form or policy. However, Exclusion 4. shall not apply to "bodily injury" sustained by an individual Named Insured or "family member" when struck by a vehicle owned by that "insured" and operated or caused to be operated by a person without that "insured's" consent in connection with criminal activity that has been documented in a police report and to which that "insured" is not a party to. 5. "Bodily injury" sustained by an individual Named Insured or any "family member" while "occupying" any vehicle leased by that Named Insured or any "family member" under a written contract for a period of six months or more that is not a covered "auto". 6. Anyone using a vehicle without a reasonable belief that the person is entitled to do so. 7. "Bodily injury" sustained by an "insured" while "occupying" any "auto" that is rented or leased to that "insured" for use as a public or livery conveyance. However, this exclusion does not apply if the "insured" is in the business of providing public or livery conveyance. 8. "Bodily injury" arising directly or indirectly out of: a. War, including undeclared or civil war; b. Warlike action by a military force, including action in hindering or defending against an actual or expected attack, by any government, sovereign or other authority using military personnel or other agents; or c. Insurrection, rebellion, revolution, usurped power, or action taken by governmental authority in hindering or defending against any of these. D. Limit Of Insurance 1. Regardless of the number of covered "autos", "insureds", premiums paid, claims made or vehicles involved in the "accident", the most we will pay for all damages resulting from any one "accident" is the Limit Of Insurance for Uninsured Motorists Coverage shown in the Schedule or Declarations. 2. For a vehicle described in Paragraph b. of the definition of "uninsured motor vehicle", our Limit of Insurance shall be reduced by all sums paid because of "bodily injury" by or for anyone who is legally responsible, including all sums paid or payable under this policy's Covered Autos Liability Coverage. 3. No one will be entitled to receive duplicate payments for the same elements of "loss" under this coverage and any Liability Coverage form or Medical Payments Coverage endorsement attached to this Coverage Part. We will not make a duplicate payment under this coverage for any element of "loss" for which payment has been made by or for anyone who is legally responsible. CA 21 54 10 13 © Insurance Services Office, Inc., 2012 Page 3 of 4 We will not pay for any element of "loss" if a person is entitled to receive payment for the same element of "loss" under any workers' compensation, disability benefits or similar law. E. Changes In Conditions The Conditions are changed for California Uninsured Motorists Coverage – Bodily Injury as follows: 1. Duties In The Event Of Accident, Claim, Suit Or Loss in the Business Auto and Motor Carrier Coverage Forms and Duties In The Event Of Accident, Claim, Offense, Suit, Loss Or Acts, Errors Or Omissions in the Auto Dealers Coverage Form are changed by adding the following: a. Promptly notify the police if a hit-and-run driver is involved; and b. Send us copies of the legal papers if a "suit" is brought. In addition, a person seeking coverage under Paragraph b. of the definition of "uninsured motor vehicle" must: (1) Provide us with a copy of the complaint by personal service or certified mail if the "insured" brings an action against the owner or operator of such "uninsured motor vehicle"; (2) Within a reasonable time, make all pleadings and depositions available for copying by us or furnish us copies at our expense; and (3) Provide us with proof that the limits of insurance under any applicable liability bonds or policies have been exhausted by payment of judgments or settlements. 2. Legal Action Against Us is replaced by the following: Legal Action Against Us No legal action may be brought against us under this Coverage Form until there has been full compliance with all the terms of this Coverage Form and with respect to Paragraphs a., c. and d. of the definition of "uninsured motor vehicle" unless within two years from the date of the "accident": a. Agreement as to the amount due under this insurance has been concluded; b. The "insured" has formally instituted arbitration proceedings against us. In the event that the "insured" decides to arbitrate, the "insured" must formally begin arbitration proceedings by notifying us in writing, sent by certified mail, return receipt requested; or c. "Suit" for "bodily injury" has been filed against the uninsured motorist in a court of competent jurisdiction. Written notice of the "suit" must be given to us within a reasonable time after the "insured" knew, or should have known, that the other motorist is uninsured. In no event will such notice be required before two years from the date of the accident. Failure of the "insured" or his or her representative to give us such notice of the "suit" will relieve us of our obligations under this Coverage Form only if the failure to give notice prejudices our rights. 3. Transfer Of Rights Of Recovery Against Others To Us is replaced by the following: Transfer Of Rights Of Recovery Against Others To Us a. With respect to Paragraphs a., c. and d. of the definition of "uninsured motor vehicle", if we make any payment, we are entitled to recover what we paid from other parties. Any person to or for whom we make payment must transfer to us his or her rights of recovery against any other party. This person must do everything necessary to secure these rights and must do nothing that would jeopardize them. b. With respect to Paragraph b. of the definition of "uninsured motor vehicle", if we make any payment and the "insured" recovers from another party, the "insured" shall hold the proceeds in trust for us and pay us back the amount we have paid. 4. Other Insurance in the Auto Dealers and Business Auto Coverage Forms and Other Insurance – Primary And Excess Insurance Provisions in the Motor Carrier Coverage Form are replaced by the following: If there is other applicable insurance available under one or more policies or provisions of coverage: a. The maximum recovery under all Coverage Forms or policies combined may equal but not exceed the highest applicable limit for any one vehicle under any Coverage Form or policy providing coverage on either a primary or excess basis. b. Any insurance we provide with respect to a vehicle the Named Insured does not own shall be excess over any other collectible uninsured motorists insurance providing coverage on a primary basis. Page 4 of 4 © Insurance Services Office, Inc., 2012 CA 21 54 10 13 c. If the coverage under this Coverage Form is provided: (1) On a primary basis, we will pay only our share of the "loss" that must be paid under insurance providing coverage on a primary basis. Our share is the proportion that our limit of liability bears to the total of all applicable limits of liability for coverage on a primary basis. (2) On an excess basis, we will pay only our share of the "loss" that must be paid under insurance providing coverage on an excess basis. Our share is the proportion that our limit of liability bears to the total of all applicable limits of liability for coverage on an excess basis. 5. The following condition is added: Arbitration a. If we and an "insured" disagree whether the "insured" is legally entitled to recover damages from the owner or driver of an "uninsured motor vehicle" or do not agree as to the amount of damages that are recoverable by that "insured", the disagreement will be settled by arbitration. Such arbitration may be initiated by a written demand for arbitration made by either party. The arbitration shall be conducted by a single neutral arbitrator. However, disputes concerning coverage under this endorsement may not be arbitrated. Each party will bear the expenses of the arbitrator equally. b. Unless both parties agree otherwise, arbitration will take place in the county in which the "insured" lives. Local rules of law as to arbitration procedures and evidence will apply. The decision of the arbitrator will be binding. F. Additional Definitions The following are added to the Definitions section: 1. "Family member" means the individual Named Insured's spouse, whether or not a resident of the individual Named Insured's household, and any other person related to such Named Insured by blood, adoption, marriage or registered domestic partnership under California law, who is a resident of such Named Insured's household, including a ward or foster child. 2. "Occupying" means in, upon, getting in, on, out or off. 3. "Uninsured motor vehicle" means a land motor vehicle or "trailer": a. For which no liability bond or policy at the time of an "accident" provides at least the amounts required by the applicable law where a covered "auto" is principally garaged; b. That is an underinsured motor vehicle. An underinsured motor vehicle is a land motor vehicle or "trailer" for which the sum of all liability bonds or policies at the time of an "accident" provides at least the amounts required by the applicable law where a covered "auto" is principally garaged but that sum is less than the Limit of Insurance for this coverage; c. For which an insuring or bonding company denies coverage or refuses to admit coverage except conditionally or with reservation or becomes insolvent; d. That is a hit-and-run vehicle and neither the driver nor owner can be identified. The vehicle must make physical contact with an "insured", a covered "auto" or a vehicle an "insured" is "occupying"; or e. That is owned by an individual Named Insured or "family member" and operated or caused to be operated by a person without the owner's consent in connection with criminal activity that has been documented in a police report. However, "uninsured motor vehicle" does not include any vehicle: a. Owned or operated by a self-insurer under any applicable motor vehicle law except a self-insurer who is or becomes insolvent and cannot provide the amounts required by that motor vehicle law; b. Owned by the United States of America, Canada, a state or political subdivision of any of those governments or an agency of any of the foregoing; or c. Designed or modified for use primarily off public roads while not on public roads. ACORD 50 CA (2004/07)© ACORD CORPORATION 2004 COMPANY NAME AND ADDRESSCOMPANY NUMBER POLICY NUMBER EFFECTIVE DATE EXPIRATION DATE THIS POLICY MEETS THE REQUIREMENTS OF § 16056 OF THE CALIFORNIA VEHICLE CODE YEAR MAKE/MODEL VEHICLE IDENTIFICATION NUMBER AGENCY/COMPANY ISSUING CARD INSURED SEE IMPORTANT NOTICE ON REVERSE SIDE CALIFORNIA INSURANCE IDENTIFICATION CARD THIS CARD MUST BE KEPT IN THE INSURED VEHICLE AND PRESENTED UPON DEMAND IN CASE OF ACCIDENT: Report all accidents to your Agent/Company as soon as possible. Obtain the following information: 1. Name and address of each driver, passenger and witness. 2.Name of Insurance Company and policy number for each vehicle involved. 25321 Metropolitan Direct Property and Casualty Insurance Company 700 Quaker Lane, P.O. BOX 350, Warwick, RI 02887 CA033798P2019 11-26-2019 11-26-2020 2015 FORD/F250 1FT7W2AT6FEB14193 Smart Start Commercial JULIAN Andrew MORA DBA 2 MEXICANS LLC 3052 Main St,Morro Bay,CA 93442-1351 ACORD 50 CA (2004/07)© ACORD CORPORATION 2004 COMPANY NAME AND ADDRESSCOMPANY NUMBER POLICY NUMBER EFFECTIVE DATE EXPIRATION DATE THIS POLICY MEETS THE REQUIREMENTS OF § 16056 OF THE CALIFORNIA VEHICLE CODE YEAR MAKE/MODEL VEHICLE IDENTIFICATION NUMBER AGENCY/COMPANY ISSUING CARD INSURED SEE IMPORTANT NOTICE ON REVERSE SIDE CALIFORNIA INSURANCE IDENTIFICATION CARD THIS CARD MUST BE KEPT IN THE INSURED VEHICLE AND PRESENTED UPON DEMAND IN CASE OF ACCIDENT: Report all accidents to your Agent/Company as soon as possible. Obtain the following information: 1. Name and address of each driver, passenger and witness. 2.Name of Insurance Company and policy number for each vehicle involved. 25321 Metropolitan Direct Property and Casualty Insurance Company 700 Quaker Lane, P.O. BOX 350, Warwick, RI 02887 CA033798P2019 11-26-2019 11-26-2020 2003 FORD/F250 1FTNW21F33EA79383 Smart Start Commercial JULIAN Andrew MORA DBA 2 MEXICANS LLC 3052 Main St,Morro Bay,CA 93442-1351 ACORD 50 CA (2004/07)© ACORD CORPORATION 2004 COMPANY NAME AND ADDRESSCOMPANY NUMBER POLICY NUMBER EFFECTIVE DATE EXPIRATION DATE THIS POLICY MEETS THE REQUIREMENTS OF § 16056 OF THE CALIFORNIA VEHICLE CODE YEAR MAKE/MODEL VEHICLE IDENTIFICATION NUMBER AGENCY/COMPANY ISSUING CARD INSURED SEE IMPORTANT NOTICE ON REVERSE SIDE CALIFORNIA INSURANCE IDENTIFICATION CARD THIS CARD MUST BE KEPT IN THE INSURED VEHICLE AND PRESENTED UPON DEMAND IN CASE OF ACCIDENT: Report all accidents to your Agent/Company as soon as possible. Obtain the following information: 1. Name and address of each driver, passenger and witness. 2.Name of Insurance Company and policy number for each vehicle involved. 25321 Metropolitan Direct Property and Casualty Insurance Company 700 Quaker Lane, P.O. BOX 350, Warwick, RI 02887 CA033798P2019 11-26-2019 11-26-2020 2012 KIA/SORENTO 5XYKT3A10CG291882 Smart Start Commercial JULIAN Andrew MORA DBA 2 MEXICANS LLC 3052 Main St,Morro Bay,CA 93442-1351 ACORD 50 CA (2004/07)© ACORD CORPORATION 2004 COMPANY NAME AND ADDRESSCOMPANY NUMBER POLICY NUMBER EFFECTIVE DATE EXPIRATION DATE THIS POLICY MEETS THE REQUIREMENTS OF § 16056 OF THE CALIFORNIA VEHICLE CODE YEAR MAKE/MODEL VEHICLE IDENTIFICATION NUMBER AGENCY/COMPANY ISSUING CARD INSURED SEE IMPORTANT NOTICE ON REVERSE SIDE CALIFORNIA INSURANCE IDENTIFICATION CARD THIS CARD MUST BE KEPT IN THE INSURED VEHICLE AND PRESENTED UPON DEMAND IN CASE OF ACCIDENT: Report all accidents to your Agent/Company as soon as possible. Obtain the following information: 1. Name and address of each driver, passenger and witness. 2.Name of Insurance Company and policy number for each vehicle involved. 25321 Metropolitan Direct Property and Casualty Insurance Company 700 Quaker Lane, P.O. BOX 350, Warwick, RI 02887 CA033798P2019 11-26-2019 11-26-2020 2018 RAM/3500 3C63RRHL2JG400989 Smart Start Commercial JULIAN Andrew MORA DBA 2 MEXICANS LLC 3052 Main St,Morro Bay,CA 93442-1351 IL 00 21 09 08 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. IL 00 21 09 08 © ISO Properties, Inc., 2007 Page 1 of 2 † NUCLEAR ENERGY LIABILITY EXCLUSION ENDORSEMENT (Broad Form) This endorsement modifies insurance provided under the following: COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART FARM COVERAGE PART LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK POLICY 1. The insurance does not apply: A. Under any Liability Coverage, to "bodily injury" or "property damage": (1) With respect to which an "insured" under the policy is also an insured under a nu- clear energy liability policy issued by Nu- clear Energy Liability Insurance Associa- tion, Mutual Atomic Energy Liability Underwriters, Nuclear Insurance Associa- tion of Canada or any of their successors, or would be an insured under any such pol- icy but for its termination upon exhaustion of its limit of liability; or (2) Resulting from the "hazardous properties" of "nuclear material" and with respect to which (a) any person or organization is re- quired to maintain financial protection pur- suant to the Atomic Energy Act of 1954, or any law amendatory thereof, or (b) the "in- sured" is, or had this policy not been issued would be, entitled to indemnity from the United States of America, or any agency thereof, under any agreement entered into by the United States of America, or any agency thereof, with any person or organi- zation. B. Under any Medical Payments coverage, to expenses incurred with respect to "bodily in- jury" resulting from the "hazardous properties" of "nuclear material" and arising out of the op- eration of a "nuclear facility" by any person or organization. C. Under any Liability Coverage, to "bodily injury" or "property damage" resulting from "hazard- ous properties" of "nuclear material", if: (1) The "nuclear material" (a) is at any "nuclear facility" owned by, or operated by or on be- half of, an "insured" or (b) has been dis- charged or dispersed therefrom; (2) The "nuclear material" is contained in "spent fuel" or "waste" at any time pos- sessed, handled, used, processed, stored, transported or disposed of, by or on behalf of an "insured"; or (3) The "bodily injury" or "property damage" arises out of the furnishing by an "insured" of services, materials, parts or equipment in connection with the planning, construction, maintenance, operation or use of any "nu- clear facility", but if such facility is located within the United States of America, its terri- tories or possessions or Canada, this ex- clusion (3) applies only to "property dam- age" to such "nuclear facility" and any property thereat. 2. As used in this endorsement: "Hazardous properties" includes radioactive, toxic or explosive properties. "Nuclear material" means "source material", "spe- cial nuclear material" or "by-product material". Page 2 of 2 © ISO Properties, Inc., 2007 IL 00 21 09 08 † "Source material", "special nuclear material", and "by-product material" have the meanings given them in the Atomic Energy Act of 1954 or in any law amendatory thereof. "Spent fuel" means any fuel element or fuel com- ponent, solid or liquid, which has been used or ex- posed to radiation in a "nuclear reactor". "Waste" means any waste material (a) containing "by-product material" other than the tailings or wastes produced by the extraction or concentra- tion of uranium or thorium from any ore processed primarily for its "source material" content, and (b) resulting from the operation by any person or or- ganization of any "nuclear facility" included under the first two paragraphs of the definition of "nu- clear facility". "Nuclear facility" means: (a) Any "nuclear reactor"; (b) Any equipment or device designed or used for (1) separating the isotopes of uranium or plutonium, (2) processing or utilizing "spent fuel", or (3) handling, processing or packag- ing "waste"; (c) Any equipment or device used for the proc- essing, fabricating or alloying of "special nuclear material" if at any time the total amount of such material in the custody of the "insured" at the premises where such equipment or device is located consists of or contains more than 25 grams of pluto- nium or uranium 233 or any combination thereof, or more than 250 grams of uranium 235; (d) Any structure, basin, excavation, premises or place prepared or used for the storage or disposal of "waste"; and includes the site on which any of the foregoing is located, all operations conducted on such site and all premises used for such operations. "Nuclear reactor" means any apparatus designed or used to sustain nuclear fission in a self- supporting chain reaction or to contain a critical mass of fissionable material. "Property damage" includes all forms of radioac- tive contamination of property. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. IL 12 01 11 85 Copyright, Insurance Services Office, Inc., 1983 Copyright, ISO Commercial Risk Services, Inc., 1983 Page 1 of 1 oo POLICY CHANGES Policy Change Number POLICY NUMBER POLICY CHANGES EFFECTIVE COMPANY NAMED INSURED AUTHORIZED REPRESENTATIVE COVERAGE PARTS AFFECTED CHANGES Authorized Representative Signature CA033798P2019 02-17-2020 JULIAN Andrew MORA DBA 2 MEXICANS LLC Smart Start Commercial IL 02 70 09 12 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. IL 02 70 09 12 © Insurance Services Office, Inc., 2012 Page 1 of 4 CALIFORNIA CHANGES – CANCELLATION AND NONRENEWAL This endorsement modifies insurance provided under the following: CAPITAL ASSETS PROGRAM (OUTPUT POLICY) COVERAGE PART COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART CRIME AND FIDELITY COVERAGE PART EMPLOYMENT-RELATED PRACTICES LIABILITY COVERAGE PART EQUIPMENT BREAKDOWN COVERAGE PART FARM COVERAGE PART LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART A. Paragraphs 2. and 3. of the Cancellation Common Policy Condition are replaced by the following: 2. All Policies In Effect For 60 Days Or Less If this policy has been in effect for 60 days or less, and is not a renewal of a policy we have previously issued, we may cancel this policy by mailing or delivering to the first Named Insured, at the mailing address shown in the policy, and to the producer of record, advance written notice of cancellation, stating the reason for cancellation, at least: a. 10 days before the effective date of cancellation if we cancel for: (1) Nonpayment of premium; or (2) Discovery of fraud by: (a) Any insured or his or her representative in obtaining this insurance; or (b) You or your representative in pursuing a claim under this policy. b. 30 days before the effective date of cancellation if we cancel for any other reason. 3. All Policies In Effect For More Than 60 Days a. If this policy has been in effect for more than 60 days, or is a renewal of a policy we issued, we may cancel this policy only upon the occurrence, after the effective date of the policy, of one or more of the following: (1) Nonpayment of premium, including payment due on a prior policy we issued and due during the current policy term covering the same risks. (2) Discovery of fraud or material misrepresentation by: (a) Any insured or his or her representative in obtaining this insurance; or (b) You or your representative in pursuing a claim under this policy. (3) A judgment by a court or an administrative tribunal that you have violated a California or Federal law, having as one of its necessary elements an act which materially increases any of the risks insured against. Page 2 of 4 © Insurance Services Office, Inc., 2012 IL 02 70 09 12 (4) Discovery of willful or grossly negligent acts or omissions, or of any violations of state laws or regulations establishing safety standards, by you or your representative, which materially increase any of the risks insured against. (5) Failure by you or your representative to implement reasonable loss control requirements, agreed to by you as a condition of policy issuance, or which were conditions precedent to our use of a particular rate or rating plan, if that failure materially increases any of the risks insured against. (6) A determination by the Commissioner of Insurance that the: (a) Loss of, or changes in, our reinsurance covering all or part of the risk would threaten our financial integrity or solvency; or (b) Continuation of the policy coverage would: (i) Place us in violation of California law or the laws of the state where we are domiciled; or (ii) Threaten our solvency. (7) A change by you or your representative in the activities or property of the commercial or industrial enterprise, which results in a materially added, increased or changed risk, unless the added, increased or changed risk is included in the policy. b. We will mail or deliver advance written notice of cancellation, stating the reason for cancellation, to the first Named Insured, at the mailing address shown in the policy, and to the producer of record, at least: (1) 10 days before the effective date of cancellation if we cancel for nonpayment of premium or discovery of fraud; or (2) 30 days before the effective date of cancellation if we cancel for any other reason listed in Paragraph 3.a. B. The following provision is added to the Cancellation Common Policy Condition: 7. Residential Property This provision applies to coverage on real property which is used predominantly for residential purposes and consisting of not more than four dwelling units, and to coverage on tenants' household personal property in a residential unit, if such coverage is written under one of the following: Commercial Property Coverage Part Farm Coverage Part – Farm Property – Farm Dwellings, Appurtenant Structures And Household Personal Property Coverage Form a. If such coverage has been in effect for 60 days or less, and is not a renewal of coverage we previously issued, we may cancel this coverage for any reason, except as provided in b. and c. below. b. We may not cancel this policy solely because the first Named Insured has: (1) Accepted an offer of earthquake coverage; or (2) Cancelled or did not renew a policy issued by the California Earthquake Authority (CEA) that included an earthquake policy premium surcharge. However, we shall cancel this policy if the first Named Insured has accepted a new or renewal policy issued by the CEA that includes an earthquake policy premium surcharge but fails to pay the earthquake policy premium surcharge authorized by the CEA. c. We may not cancel such coverage solely because corrosive soil conditions exist on the premises. This restriction (c.) applies only if coverage is subject to one of the following, which exclude loss or damage caused by or resulting from corrosive soil conditions: (1) Commercial Property Coverage Part – Causes Of Loss – Special Form; or (2) Farm Coverage Part – Causes Of Loss Form – Farm Property, Paragraph D. Covered Causes Of Loss – Special. IL 02 70 09 12 © Insurance Services Office, Inc., 2012 Page 3 of 4 C. The following is added and supersedes any provisions to the contrary: Nonrenewal 1. Subject to the provisions of Paragraphs C.2. and C.3. below, if we elect not to renew this policy, we will mail or deliver written notice, stating the reason for nonrenewal, to the first Named Insured shown in the Declarations, and to the producer of record, at least 60 days, but not more than 120 days, before the expiration or anniversary date. We will mail or deliver our notice to the first Named Insured, and to the producer of record, at the mailing address shown in the policy. 2. Residential Property This provision applies to coverage on real property used predominantly for residential purposes and consisting of not more than four dwelling units, and to coverage on tenants' household property contained in a residential unit, if such coverage is written under one of the following: Commercial Property Coverage Part Farm Coverage Part – Farm Property – Farm Dwellings, Appurtenant Structures And Household Personal Property Coverage Form a. We may elect not to renew such coverage for any reason, except as provided in b., c. and d. below. b. We will not refuse to renew such coverage solely because the first Named Insured has accepted an offer of earthquake coverage. However, the following applies only to insurers who are associate participating insurers as established by Cal. Ins. Code Section 10089.16. We may elect not to renew such coverage after the first Named Insured has accepted an offer of earthquake coverage, if one or more of the following reasons applies: (1) The nonrenewal is based on sound underwriting principles that relate to the coverages provided by this policy and that are consistent with the approved rating plan and related documents filed with the Department of Insurance as required by existing law; (2) The Commissioner of Insurance finds that the exposure to potential losses will threaten our solvency or place us in a hazardous condition. A hazardous condition includes, but is not limited to, a condition in which we make claims payments for losses resulting from an earthquake that occurred within the preceding two years and that required a reduction in policyholder surplus of at least 25% for payment of those claims; or (3) We have: (a) Lost or experienced a substantial reduction in the availability or scope of reinsurance coverage; or (b) Experienced a substantial increase in the premium charged for reinsurance coverage of our residential property insurance policies; and the Commissioner has approved a plan for the nonrenewals that is fair and equitable, and that is responsive to the changes in our reinsurance position. c. We will not refuse to renew such coverage solely because the first Named Insured has cancelled or did not renew a policy, issued by the California Earthquake Authority, that included an earthquake policy premium surcharge. d. We will not refuse to renew such coverage solely because corrosive soil conditions exist on the premises. This restriction (d.) applies only if coverage is subject to one of the following, which exclude loss or damage caused by or resulting from corrosive soil conditions: (1) Commercial Property Coverage Part – Causes Of Loss – Special Form; or (2) Farm Coverage Part – Causes Of Loss Form – Farm Property, Paragraph D. Covered Causes Of Loss – Special. 3. We are not required to send notice of nonrenewal in the following situations: a. If the transfer or renewal of a policy, without any changes in terms, conditions or rates, is between us and a member of our insurance group. Page 4 of 4 © Insurance Services Office, Inc., 2012 IL 02 70 09 12 b. If the policy has been extended for 90 days or less, provided that notice has been given in accordance with Paragraph C.1. c. If you have obtained replacement coverage, or if the first Named Insured has agreed, in writing, within 60 days of the termination of the policy, to obtain that coverage. d. If the policy is for a period of no more than 60 days and you are notified at the time of issuance that it will not be renewed. e. If the first Named Insured requests a change in the terms or conditions or risks covered by the policy within 60 days of the end of the policy period. f. If we have made a written offer to the first Named Insured, in accordance with the timeframes shown in Paragraph C.1., to renew the policy under changed terms or conditions or at an increased premium rate, when the increase exceeds 25%.