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Jiffy Lube® – Enjoy 10% off all services at participating locations only. Not valid with any other offer. Promo Code: H35 Find a center: www.jiffylube.com
AAMCO® — Receive a 10% discount of the retail price of all services quoted to $50. You must present your card to your local Aamco location to be eligible for this 10% savings. Find a center —www.aamco.com or 1-800-GO-AAMCO
Meineke® – You are entitled to an oil change and tire rotation for $23.00 (plus environmental fees) unless a lower oil change price is available at the service location and a tire rotation. 10% discount will apply to automotive services (brakes, shocks, mufflers etc.) and 5% on tires and batteries (tax not included) at the time of service. Offer not good on any current sale or promotion. The participating member is responsible for payment when services received are completed.Find a center: www.meineke.com
Precision Tune – $10 off lifetime brake service. Precision Tune Auto Care provides quality automotive diagnostics, scheduled maintenance and repair at hundreds of locations worldwide. Discounts applied toward regular price. Members must present their card to the dealership during their visit. Find a center: www.precisiontune.com
MAACOTM – Members receive 10% off the agreed price for both paint and body labor. Discount does not apply to parts and sublet sales. Members must present their card to the dealer during their visit. MAACO car body shops provide discount auto body paint services, as well as auto repair service at prices that can save you up to 33% over independent body shops. Find a center: www.maaco.com
Covered Activity (ies) - means those activities set out in the Covered Activities section of this Description of Coverage, with respect to which Insured(s) are provided accident insurance under the Policy.
The Insured will be covered during the following Covered Activities:* Accidental Death; and
* Total Temporary Disability Accident:
1) While riding as a fare-paying passenger on a Common Carrier. “Common Carrier” means any land, sea, or air conveyance operated under a license for the transportation of passengers for hire.
2) While driving or riding as a passenger in a Motor Vehicle. Any Injury sustained must be due to a collision, wrecking, or explosion of such Motor Vehicle. Such collision, wrecking, or explosion must cause physical damage to the Motor Vehicle and leave it in a different condition than before the accident. 2) While standing or walking as a pedestrian on an open public street or highway. Any Injury sustained must be due to being struck by a Motor Vehicle while as a pedestrian. “Motor Vehicle” means, a motorized pleasure automobile type vehicle or motorcycle, including a truck of three-quarter tons or less, which is not licensed to carry passengers for hire. Motor Vehicle does not include boats, All Terrain Vehicles or snowmobiles:* Accident Medical Expense;
* Emergency Transportation and Treatment;
* In-Hospital Indemnity Single Payment; and
* Physician Office Visit
* All activities except while riding as a fare paying passenger on a commercial airline. The Maximum Amounts are used to determine amounts payable under each Benefit. Actual amounts payable will not exceed the maximums, and may be less than the maximums under circumstances specified in this Description of Coverage.
Eligible Dependent Child – means the Primary Insured’s unmarried child(ren), Including natural, step, foster or adopted children from the moment of placement in the home of the Primary Insured under age 19 (or age 23 if attending an accredited institution of higher learning on a full time basis) and primarily dependent on the Primary Insured for support and maintenance.
Eligible Spouse – means the Primary Insured’s legal spouse.
Hospital means a facility that: (1) is operated according to law for the care and treatment of injured and sick people; (2) has organized facilities for diagnosis and surgery on its premises or in facilities available to it on a prearranged basis; (3) has 24 hour nursing service by registered nurses (R.N.); and (4) is supervised by one or more Physicians. A Hospital does not include: (1) a nursing, convalescent or geriatric unit of a hospital when a patient is confined mainly to receive nursing care; (2) a facility that is, other than incidentally, a rest home, nursing home, convalescent home or home for the aged; nor does it include any ward, room, wing, or other section of the hospital that is used for such purposes; or (3) any military or veterans hospital or soldiers home or any hospital contracted for or operated by any national government or government agency for the treatment of members or ex-members of the armed forces.
Immediate Family Member means a person who is related to the Insured in any of the following ways: spouse, brother in law, sister in law, son in law, daughter in law, mother in law, father in law, parent (includes stepparent), brother or sister (includes stepbrother or stepsister), or child (includes legally adopted or stepchild).
Injury - means bodily injury: (1) which is sustained as a direct result of an unintended, unanticipated accident that is external to the body and that occurs while the injured person's coverage under the Policy is in force; (2) which occurs while such person is participating in a Covered Activity; and (3) which directly (independent of sickness, disease, mental incapacity, bodily infirmity or any other cause) causes a covered loss.
Insured means a person: (1) who is listed under the Benefit Schedule and described under the Eligibility section of this Description of Coverage as a Primary Insured or Insured Dependent; (2) for whom premium has been paid; (3) while covered under the Policy; and (4) who has enrolled for coverage.
Insured Dependent means the Primary Insured's Insured Spouse or Insured Dependent Child.
Insured Dependent Child – means the Primary Insured’s Eligible Dependent Child: (1) for whom premium has been paid when due; and (2) while covered under the Policy.
Insured Person means a Primary Insured or an Insured Dependent.
Insured Spouse – means the Primary Insured’s Eligible Spouse: (1) for whom premium has been paid when due; and (2) while covered under the Policy.
Physician – means a licensed practitioner of the healing arts acting within the scope of his or her license who is not: 1) the Insured; 2) an Immediate Family Member; or 3) retained by the Policyholder.
You, Your means the Insured.
Termination Date. An Insured’s coverage under the Policy ends on the earliest of: (1) the date the Policy is terminated (unless the Company and the Policyholder agree, in writing, to permit coverage to continue to the end of the period for which premiums have been paid in lieu of a return of unearned premiums); (2) the premium due date if premiums are not paid when due; (3) the date the Insured ceases to be eligible; or (4) the date the Insured requests, in writing, that his or her coverage be terminated. The Total Temporary Disability coverage terminates at age 70.
Termination of coverage will not affect a claim for a covered loss that occurred while the Insured’s coverage was in force under the Policy.
Allowable Expense – as used in this Benefit, means a necessary, reasonable and customary item of expense for health care when the item of expense is covered at least in part by the Policy and is covered at least in part by one or more other Plans covering the Insured Person. When a Plan provides benefits in the form of services, the reasonable cash value of each service rendered is both an Allowable Expense and a benefit paid, if the reasonable cash value had been charged as the cost for the service and such expense would have been covered at least in part by the Policy.
Covered Accident Medical Service(s) – as used in this Benefit, means any of the following services:1. Hospital semi private room and board (or room and board in an intensive care unit; Hospital ancillary services (including, but not limited to, use of the operating room or emergency room); use of an Ambulatory Medical Center;
2. services of a Physician or a registered nurse (R.N.);
3. ambulance service to or from a Hospital;
4. laboratory tests;
5. radiological procedures;
6. anesthetics and the administration of anesthetics;
7. blood, blood products, and artificial blood products, and the transfusion thereof;
8. physical therapy and occupational therapy;
9. rental of Durable Medical Equipment;
10. artificial limbs, artificial eyes, or other prosthetic appliances; or
11. medicines or drugs administered by a Physician or that can be obtained only with a Physician's written prescription.
Deductible – as used in this Benefit, means the amount of Usual and Customary Charges for Medically Necessary Covered Accident Medical Services that must be incurred by the Insured Person due to injuries resulting from an accident before Accident Medical Expense benefits become payable due to Injuries resulting from that accident. The amount of the Deductible is the Deductible Amount shown in the Benefit Schedule. Accident Medical Expense benefits are not payable for charges applied to the Deductible.
Durable Medical Equipment – as used in this Benefit, means equipment of a type that is designed primarily for use, and used primarily, by people who are injured (for example, a wheelchair or a hospital bed). It does not include items commonly used by people who are not injured, even if the items can be used in the treatment of Injury or can be used for rehabilitation or improvement of health (for example, a stationary bicycle or a spa).
Medically Necessary – as used in this Benefit, means a Covered Accident Medical Service is: (1) essential for diagnosis, treatment or care of the Injury for which it is prescribed or performed; (2) meets generally accepted standards of medical practice; and (3) is ordered by a Physician and performed under his or her care supervision or order.
Usual and Customary Charge(s) – as used in this Benefit, means a charge that: (1) is made for a Covered Accident Medical Service; (2) does not exceed the usual level of charges for similar treatment, services or supplies in the locality where the expense is incurred (for a Hospital room and board charge, other than for a Medically Necessary stay in an intensive care unit, does not exceed the Hospital’s most common charge for semi private room and board); and (3) does not include charges that would not have been made if no insurance existed.
In addition to the General Exclusions, Accident Medical Expense benefits are not payable for, and Usual and Customary Charges for Covered Accident Medical Service do not include, and benefits are not payable with respect to, any expense for or resulting from any of the following:
(1) repair or replacement of existing artificial limbs, artificial eyes, or other prosthetic appliances or rental of existing Durable Medical Equipment unless for the purpose of modifying the item because Injury has caused further impairment in the underlying bodily condition;(2) new or repair or replacement of dentures, bridges, dental implants, dental bands or braces or other dental appliances, crowns, caps, inlays or onlays, fillings, or any treatment of the teeth or gums;
(3) new hearing aids or hearing examinations unless Injury has caused impairment of hearing; or repair or replacement of existing hearing aids unless for the purpose of modifying the item because Injury has caused further impairment of hearing;
(4) new eye glasses or contact lenses or eye examinations related to the correction of vision or related to the fitting of glasses or contact lenses, unless Injury has caused impairment of sight; or repair or replacement of existing eyeglasses or contact lenses unless for the purpose of modifying the item because Injury has caused further impairment of sight;
(5) rental of Durable Medical Equipment where the total rental expense exceeds the usual purchase expense for similar equipment in the locality where the expense is incurred (but if, in the Company's sole judgment, Accident Medical Expense benefits for rental of Durable Medical Equipment are expected to exceed the usual purchase expense for similar equipment in the locality where the expense is incurred, the Company may, but is not required to, choose to consider such purchase as a Usual and Customary Covered Accident Medical Expense in lieu of such rental expense); or
(6) personal comfort or convenience items, such as but not limited to Hospital telephone charges, television rental, or guest meals.
Emergency Treatment Benefit. If an Insured suffers an Injury that, within 24 hours of the date of the accident that caused the Injury, requires him or her to receive Medically Necessary Emergency Treatment in a Hospital emergency room or a Satellite Emergency Center, the Company will pay 100% up to $1,000 of benefit amount. Only one Emergency Treatment Benefit is payable for any one accident per Insured.
Definitions
Ambulance – as used for this benefit, means any publicly or privately owned surface, water or air vehicle, including a helicopter, that is specifically designed and constructed or modified and equipped to be used, maintained or operated primarily for the transportation of individuals who are sick, injured or wounded. Ambulance does not include a surface, water or air vehicle that is owned and operated to accommodate an incapacitated or disabled person who does not require medical monitoring, care or treatment during transport.
Emergency Treatment – as used for this benefit, means treatment for a medical condition manifesting itself by acute symptoms of sufficient severity (including severe pain) such that a prudent layperson with average knowledge of health and medicine could reasonably expect the absence of immediate medical attention to result in:
1. Placing the health of the person (or with respect to a pregnant woman, the health of her unborn child) in serious jeopardy;2. Serious impairment to bodily functions; or
3. Serious dysfunction of any bodily organ or part.
Hospital as used for this benefit, means a facility which: (1) is operated according to law for the care and treatment of injured and sick people; (2) has organized facilities for diagnosis and surgery on its premises or in facilities available to it on a prearranged basis; (3) has 24 hour nursing service by registered nurses (R.N.’s); and (4) is supervised by one or more Physicians. A Hospital does not include: (1) a nursing, convalescent or geriatric unit of a hospital when a patient is confined mainly to receive nursing care; or (2) a facility that is, other than incidentally, a rest home, nursing home, convalescent home or home for the aged; nor does it include any ward room, wing, or other section of the hospital that is used for such purposes.
Satellite Emergency Center - as used for this benefit, means a licensed facility providing outpatient care under the direction of a Physician on a 24 hour basis. Available services must include: (1) diagnostic care, including laboratory services and diagnostic x-rays; and (2) treatment or medical care, including availability of the means for stabilization of emergency medical conditions. A Satellite Emergency Center does not include a Hospital or an office maintained by a Physician for the practice of medicine or dentistry.
Day(s) of Confinement as used for this benefit, means a day of Hospital confinement as an Inpatient.
Hospital as used for this benefit, means a facility which: (1) is operated according to law for the care and treatment of injured and sick people; (2) has organized facilities for diagnosis and surgery on its premises or in facilities available to it on a prearranged basis; (3) has 24 hour nursing service by registered nurses (R.N.’s); and (4) is supervised by one or more Physicians. A Hospital does not include: (1) a nursing, convalescent or geriatric unit of a hospital when a patient is confined mainly to receive nursing care; or (2) a facility which is, other than incidentally, a rest home, nursing home, convalescent home or home for the aged; nor does it include any ward room, wing, or other section of the hospital that is used for such purposes.
Inpatient – as used for this benefit, means a person: (1) who is confined in a Hospital as a registered bed patient; and (2) for whom at least one day's room and board is charged by the Hospital unless the Insured is confined as an Inpatient in any military, veterans or other government supported or sponsored Hospital for which a charge for room and board is not made.
Medically Necessary – as used for this benefit, means that confinement as an In-patient in a Hospital is (1) essential for the diagnosis, treatment and care of the Injury; (2) in accordance with generally accepted standards of medical practice; and (3) ordered by a Physician.
TEMPORARY TOTAL DISABILITY MEANS: (1) DISABILITY THAT PREVENTS AN INSURED FROM PERFORMING THE MATERIAL AND SUBSTANTIAL DUTIES OF HIS OR HER OWN OCCUPATION; HOWEVER, WITH RESPECT TO AN INSURED FOR WHOM AN OCCUPATIONAL DEFINITION OF TEMPORARY TOTAL DISABILITY IS NOT APPROPRIATE, TEMPORARILY TOTALLY DISABLED MEANS THAT THE INSURED IS TEMPORARILY UNABLE TO ENGAGE IN ANY OF THE USUAL ACTIVITIES OF A PERSON OF LIKE AGE AND SEX WHOSE HEALTH IS COMPARABLE TO THAT OF THE INSURED IMMEDIATELY PRIOR TO THE ACCIDENT; AND (2) REQUIRES THAT THE INSURED IS UNDER THE SUPERVISION OF A PHYSICIAN.
Benefit Offsets. The Total Temporary Disability Benefit will be reduced by amounts paid to an Insured, due to the same Temporary Total Disability, under any of the following: other group insurance plans; salary continuance, accumulated sick leave; wage benefits under Workers’ Compensation and similar laws; state statutory disability benefit laws. Temporary Total Disability coverage expires at age 70.
Recurrent Disability. Recurrent periods of Temporary Total Disability, due to the same or a related Injury, will be considered one period of Temporary Total Disability if separated by less than 90 consecutive days of: (1) return to any full time work, if an occupational definition of Temporary Total Disability applies; or (2) performing the usual activities of a person of like age and sex whose health is comparable to that of the Insured immediately prior to the accident, if an occupational definition of Temporary Total Disability does not apply.
Termination Date. Coverage under this Benefit Rider ends on date the Insured attains age 70.
Definitions
Elimination Period – as used for this benefit, means the period of consecutive months of Temporary Total Disability for which no benefit is payable. It begins on the first day of Temporary Total Disability.
Temporarily Totally Disabled/Temporary Total Disability - as used in this benefit, means: (1) disability that prevents an Insured from performing the material and substantial duties of his or her own occupation. However, with respect to an Insured for whom an occupational definition of Temporarily Totally Disabled/Temporary Total Disability is not appropriate, Temporarily Totally Disabled means that the Insured is temporarily unable to engage in any of the usual activities of a person of like age and sex whose health is comparable to that of the Insured immediately prior to the accident; and (2) requires that the Insured is under the supervision of a Physician unless the Insured has reached his or her maximum point of recovery.
1. suicide or any attempt at suicide or intentionally self-inflicted Injury or any attempt at intentionally self-inflicted Injury or autoeroticism.
2. sickness, disease, mental incapacity or bodily infirmity whether the loss results directly or indirectly from any of these.
3. the Insured's commission of or attempt to commit a felony.
4. infections of any kind regardless of how contracted, except bacterial infections that are directly caused by botulism, ptomaine poisoning or an accidental cut or wound independent and in the absence of any underlying sickness, disease or condition including but not limited to diabetes.
5. declared or undeclared war, or any act of declared or undeclared war, except if specifically provided by this Policy.
6. full-time active duty in the armed forces, National Guard or organized reserve corps of any country or international authority. (Unearned premium for any period for which the Insured is not covered due to his or her active duty status will be refunded) (Loss caused while on short-tem National Guard or reserve duty for regularly scheduled training purposes is not excluded).
7. travel or flight in or on (including getting in or out of, or on or off of) any vehicle used for aerial navigation, if the Insured Person is:
a. riding as a passenger in any aircraft not intended or licensed for the transportation of passengers; or
b. performing, learning to perform or instructing others to perform as a pilot or crew member of any aircraft; or
c. riding as a passenger in an aircraft owned, leased or operated by the Policyholder or the Insured Person’s employer;
8. the Insured being under the influence of intoxicants.
9. the Insured being under the influence of drugs unless taken under the advice of and as specified by a Physician.
10. the medical or surgical treatment of sickness, disease, mental incapacity or bodily infirmity whether the loss results directly or indirectly from the treatment.
11. stroke or cerebrovascular accident or event; cardiovascular accident or event; myocardial infarction or heart attack; coronary thrombosis; aneurysm.
12. the Insured riding in or driving any type of motor vehicle as part of a speed contest or scheduled race, including testing such vehicle on a track, speedway or proving ground.
13. any loss incurred while outside the United States, its Territories or Canada.
Claim Forms. The Company will send claim forms to the claimant upon receipt of a written notice of claim. If such forms are not sent within 15 days after the giving of notice, the claimant will be deemed to have met the proof of loss requirements upon submitting, within the time fixed in this Policy for filing proofs of loss, written proof covering the occurrence, the character and the extent of the loss for which claim is made. The notice should include the Insured's name, the Policyholder's name and the Policy number.
For residents of GA, Eligible Dependent Child will read: means the Insured’s unmarried child(ren), including natural, step, foster or adopted children from the moment of placement in the home of Insured under age 19(or age 25 if enrolled for 5 months or more as a full-time student in a post secondary school or would have been eligible to be so enrolled but was prevented from enrolling due to illness or injury) and primarily dependent on the insured for support and maintenance
For residents of WY, Eligible Dependent Child will read: means Your unmarried child(ren), including natural, step, foster or adopted children from the earlier of the date the petition for adoption is filed or entry of the child in Your home. If such child is in the custody of the state, coverage shall begin at the date of entry of a final decree of adoption. The Dependent Child must be under age 19 (23 if attending an accredited institution of higher learning on a full time basis) and primarily dependent on You for support and maintenance
For residents of CT, definition of Hospital will read: means a facility that: (1) is operated according to law for the care and treatment of injured people; (2) has organized facilities for diagnosis and surgery on its premises or in facilities available to it on a prearranged basis; (3) has 24 hour nursing service by registered nurses (R.N.); and (4) is supervised by one or more Physicians. A Hospital does not include: (1) a nursing, convalescent or geriatric unit of a hospital when a patient is confined mainly to receive nursing care; (2) a facility that is, other than incidentally, a rest home, nursing home, convalescent home or home for the aged; nor does it include any ward, room, wing, or other section of the hospital that is used for such purposes; or (3) any military or veterans hospital or soldiers home or any hospital contracted for or operated by any national government or government agency for the treatment of members or ex-members of the armed forces, unless the Insured is legally required to pay for services in the absence of insurance.
For residents of FL, definition of Hospital will read: means a facility that: (1) is operated according to law for the care and treatment of injured people; (2) has organized facilities for diagnosis and surgery on its premises or in facilities available to it on a prearranged basis or is accredited by the Joint Commission on the Accreditation of Hospitals, the American Osteopathic Association, or the Commission on the Accreditation of Rehabilitative Facilities; (3) has 24 hour nursing service by registered nurses (R.N.’s); and (4) is supervised by one or more Physicians. A Hospital does not include: (1) a nursing, convalescent or geriatric unit of a hospital when a patient is confined mainly to receive nursing care; (2) a facility that is, other than incidentally, a rest home, nursing home, convalescent home or home for the aged; nor does it include any ward, room, wing, or other section of the hospital that is used for such purposes; or (3) any military or veterans hospital or soldiers home or any hospital contracted for or operated by any national government or government agency for the treatment of members or ex-members of the armed forces.
For residents of MO, definition of Hospital will read: means a facility which: (1) is operated according to law for the care and treatment of injured and sick people; (2) has organized facilities for diagnosis and surgery on its premises or in facilities available to it on a prearranged basis; (3) has 24 hour nursing service by registered nurses (R.N.’s) on duty or call; and (4) is supervised by one or more Physicians. A Hospital does not include: (1) a nursing, convalescent or geriatric unit of a hospital when a patient is confined mainly to receive nursing care; or (2) a facility which is, other than incidentally, a rest home, nursing home, convalescent home or home for the aged; nor does it include any ward room, wing, or other section of the hospital that is used for such purposes; or (3) any military or veterans hospital or soldiers home or any hospital contracted for or operated by any national government or government agency for the treatment of members or ex-members of the armed forces, unless the Insured is legally required to pay for services in the absence of insurance.
For residents of NC, definition of Hospital will read: means a facility that: (1) is operated according to law for the care and treatment of injured and sick people; (2) has organized facilities for diagnosis and surgery on its premises or in facilities available to it on a prearranged basis; (3) has 24 hour nursing service by registered nurses (R.N.); and (4) is supervised by one or more Physicians. A Hospital does not include: (1) a nursing, convalescent or geriatric unit of a hospital when a patient is confined mainly to receive nursing care; or (2) a facility that is, other than incidentally, a rest home, nursing home, convalescent home or home for the aged; nor does it include any ward, room, wing, or other section of the hospital that is used for such purposes.
For residents of PA, definition of Hospital will read: means a facility which: (1) is operated pursuant to law and which is licensed or approved as a hospital by the responsible state agency; (2) is primarily engaged in providing medical care and treatment of sick or injured persons on an in-patient basis for which a charge is made; and (3) provides 24-hour nursing service by or under the supervision of a registered graduate professional nurse (R.N.). A Hospital does not include: (1) any military or veterans hospital or soldiers home or any hospital contracted for or operated by any national government or agency thereof for the treatment of members or ex-members of the armed forces; (2) convalescent homes, convalescent, rest, or nursing facilities; or (3) facilities primarily for the aged, drug or alcoholic rehabilitation, and those primarily affording custodial or educational care.
For residents of UT, definition of Hospital will read: means a facility which is duly licensed as a hospital and operating within the scope of that license.
For residents of PA, definition of Immediate Family Member will read: means a person who is related to the Insured or his or her spouse in any of the following ways: spouse, child, parent, brother or sister, or persons who ordinarily reside in the Insured’s household.
For residents of FL, NH, PA, SC and WV, definition of Injury will read: means bodily injury: (1) which is sustained as a direct result of an unintended, unanticipated accident that occurs while the injured person's coverage under the Policy is in force; (2) which occurs while such person is participating in a Covered Activity; and (3) which directly (independent of sickness, disease, mental incapacity, bodily infirmity or any other cause) causes a covered loss.
For residents of IL, definition of Injury will read: means bodily injury: (1) which is sustained as a direct result of an unintended, unanticipated accident that occurs while the injured person's coverage under the Policy is in force; (2) which occurs while such person is participating in a Covered Activity; and (3) which directly (independent of sickness, disease, mental incapacity, bodily infirmity) causes a covered loss.
For residents of MO, definition of Injury will read: means bodily injury: (1) which is sustained as a direct result of an accident that occurs while the injured person's coverage under this Policy is in force; (2) which occurs while such person is participating in a Covered Activity; and (3) which directly (independent of sickness, disease, mental incapacity, bodily infirmity or any other cause) causes a covered loss.
For residents of VT, definition of Injury will read: means bodily injury: (1) which is sustained as a direct result of an unintended, unanticipated accident that occurs while the injured person's coverage under the Policy is in force; (2) which occurs while such person is participating in a Covered Activity; and (3) which is not the result of disease or bodily infirmity and directly causes a covered loss.
For residents of PA, Item (2) will read: the premium due date if premiums are not paid when due, subject to the Grace Period provision.
For residents of MI, Item (2) will read: the premium due date if premiums are not paid when due, subject to the Grace Period provision.
For residents of FL, the 2nd paragraph will read: Termination of coverage will not affect a claim for a covered loss that occurs either before or after such termination if that loss results from an accident that occurred while the Insured’s coverage was in force under the Policy.
For residents of PA, Accidental Death Benefit will read: If Injury to the Insured results in death , the Company will pay 100% of the Maximum Amount
For residents of KS, the following was amended: All references to Usual and Customary charges through out the Accident Medical Expense Rider were changed to Usual, Reasonable and Customary charges. For residents of IL, the introductory paragraph of Exclusions will read: No coverage shall be provided under the Policy and no payment shall be made for any loss resulting in, or as a natural and probable consequence of, any of the following excluded risks.
For residents of WV, the introductory paragraph of Exclusions will read: No coverage shall be provided under the Policy and no payment shall be made for any loss resulting from, or contributed to by, or as a natural and probable consequence of any of the following excluded risks even if the proximate or precipitating cause of the loss is an accidental bodily Injury.
For residents of CO, Exclusion 1 will read: suicide or any attempt at suicide or intentionally self-inflicted Injury or any attempt at intentionally self-inflicted Injury, while sane or autoeroticism.
For residents of MO, Exclusion 1 will read: suicide or any attempt at suicide while sane or intentionally self-inflicted Injury or any attempt at intentionally self-inflicted Injury or autoeroticism.
For residents of IL and VT, Exclusion 2 will read: sickness, disease, mental incapacity or bodily infirmity.
For residents of MN, Exclusion 3 will read: the Insured's commission of or attempt to commit a felony or to which a contributing cause was the Insured’s being engaged in an illegal occupation.
For residents of MO, Exclusion 4 will read: infections of any kind regardless of how contracted, except bacterial infections that are directly caused by botulism, ptomaine poisoning, accidental ingestion of contaminated substances or an accidental cut or wound independent and in the absence of any underlying sickness, disease or condition including but not limited to diabetes.
For residents of WV, Exclusion 4 will read: infections of any kind regardless of how contracted, except bacterial infections that are directly caused by botulism, ptomaine poisoning and in the absence of any underlying sickness, disease or condition including but not limited to diabetes.
For residents of OK, Exclusion 5 will read: war or acts of war declared or undeclared, while serving in the military forces or any auxiliary unit attached thereto.
For residents of CT, Exclusion 8 will read: The Insured being intoxicated under the applicable law of the jurisdiction where the accident occurred.
For residents of MN, Exclusion 8 will read: the Insured being legally intoxicated as defined by the laws of the state which this Policy is delivered while operating any vehicle or means of transportation or conveyance.
For residents of NH, Exclusion 8 will read: The Insured being legally intoxicated as defined by the laws of the jurisdiction where the accident occurred.
For residents of OR, Exclusion 8 will read: The Insured being legally intoxicated as defined by the laws of the state in which the Policy is delivered.
For residents of VT, Exclusion 8 does not apply.
For residents of CT, Exclusion 9 will read: The Insured’s voluntary use of any controlled substance as defined in Title II of the Comprehensive Drug Abuse Prevention and Control Act of 1970, as now or hereafter amended, unless as prescribed the Insured’s Physician for the Insured.
For residents of LA, Exclusion 9 will read: The Insured being under the influence of narcotics unless taken under the advice of and as specified by a Physician.
For residents of MN, Exclusion 9 will read: The Insured being under the influence of narcotics unless taken under the advice of and as specified by a Physician.
For residents of PA, Exclusion 9 will read: The Insured being under the influence of any narcotic unless taken under the advice of and as specified by a Physician.
For residents of SD, Exclusion 9 will read: The Insured being under the influence of drugs or intoxicants during the Insured’s commission of a felony.
For residents of VT, Exclusion 9 does not apply.
For residents of IL, Exclusion 10 will read: the medical or surgical treatment of sickness, disease, mental incapacity or bodily infirmity.
For residents of MN, Exclusion 12 will read: the Insured riding in or driving any type of motor vehicle as part of an organized speed contest or scheduled race, including testing such vehicle on a track, speedway or proving ground.
For residents of MS, the 1st sentence of Notice of Claim will read: Written notice of claim must be given to the Company within 30 days after an Insured's loss, or as soon thereafter as reasonably possible
For residents of NC, this will read: 180
For residents of NH and UT, the last sentence will read: Failure to furnish proof within the time required neither invalidates nor reduces any claim if it was not reasonably possible to give proof within such time, provided such proof is furnished as soon as reasonably possible.
For residents of HI, the last line will read: Failure to furnish proof within the time required neither invalidates nor reduces any claim if it was not reasonably possible to give proof within such time, provided such proof is furnished as soon as reasonably possible and in no event, except in the absence of legal capacity of the claimant, later than fifteen months from the time proof is otherwise required.
For residents of MS, Time of Payment of Claims will read: Benefits payable under the Policy for any loss other than loss for which this Policy provides any periodic payment will be paid immediately within forty-five (45) days after the Company’s receipt of due written proof of the loss. If payment of a valid claim is not made within this forty-five (45) day period, interest will accrue on the amount payable by the Company at a rate of one and one-half percent (1 1/2%) per month until the claim is settled. The Insured may bring action to recover such benefits, including interest and any other damages as may be allowed by law, if benefits are not paid when due. Subject to the Company’s receipt of due written proof of loss, all accrued benefits for loss for which this Policy provides periodic payment will be paid at the expiration of each month during the continuance of the period for which the Company is liable and any balance remaining unpaid upon termination of liability will be paid immediately upon within forty-five (45) days after receipt of such proof.
For residents of TX, the 1st sentence of Time of Payment of Claims will read: Benefits payable under the Policy for any loss other than loss for which the Policy provides any periodic payment will be paid immediately upon the Company’s receipt of due written proof of the loss, but in no event more than 60 days from receipt of proof of loss.
For residents of MS, Autopsy does not apply.
For residents of SC, Physical Exam and Autopsy will read: The Company at its own expense has the right and opportunity to examine the person of any individual whose loss is the basis of claim under the Policy when and as often as it may reasonably require during the pendency of the claim and to make an autopsy during the contestable period in case of death where it is not forbidden by law. The autopsy must be performed in the state of South Carolina.
For residents of KS, Legal Actions, the last line will read: No such action may be brought after the expiration of 5 years after the time written proof of loss is required to be furnished.
For residents of ME, Legal Actions, the last line will read: No such action may be brought after the expiration of 2 years after the time written proof of loss is required to be furnished.
For residents of SC, Legal Actions, the last line will read: No such action may be brought after the expiration of 6 years after the time written proof of loss is required to be furnished.
On the Road Essentials insurance is underwritten by National Union Fire Insurance Company of Pittsburgh, Pa., a Pennsylvania insurance company, with its principal place of business at 175 Water Street, 18th Floor, New York, NY 10038. It is currently authorized to transact business in all states and the District of Columbia. NAIC No. 19445. This is only a brief description of the coverage(s) available under policy series A30293NUFIC (in CO, FL & OR) A30329NUFIC and C11695DBG. The Policy will contain reductions, limitations, exclusions and termination provisions. Full details of coverage are contained in the Policy. If there is any conflict between the contents of this document and the Policy, the Policy will govern in all cases. Coverage may not be available in all states.
**Travel assistance services provided by Travel Guard provides traveler assistance through coordination, negotiation, and consultation using an extensive network of worldwide partners. Expenses for goods and services provided by third parties are the responsibility of the traveler. *** On the Road Essentials Discount Card Administrative services are provided by Nation Safe Drivers. National Union assumes no liability for the services provided by third parties.