OKLAHOMA Issued to: PDU41

OKLAHOMA

Issued to:

PDU41

Page 1

TABLE OF CONTENTS

GENERAL PROVISIONS

Insuring Agreement ........... ................................. 2

When And Where The Policy Applies ...................... 2

Conformity To State Statutes ................................ 2

Insurance Coverage In Mexico .............................. 2

Definitions Used Throughout The Policy ................. 3

Premium Changes ................................................ 3

Coverage Changes ............................................... 4

Duty To Report Policy Changes ............................. 4

Notice.................................................................. 4 4

What To Do If There Is A Loss .............................. 4

Medical Reports ................................................... 5

Assistance And Cooperation Of The Insured ........... 5

Subrogation Rights ....... .............................. ......... 5

Combining Limits Of Two Or More Autos

Prohibited .............. ....................................... 5

Transfer ...................... ....................................... 5

Payment ..................... ....................................... 5

Conditional Reinstatement .................................... 5

Fraud Or Misrepresentation ................................... 5

Cancellation .... .....................................................6 6

Non-Renewal ........... .. .... ..................................... 6

Loss Reduction Items ........................................... 6

Action Against Allstate .......................................... 6

Bankruptcy Or Insolvency ......................................6

Part 1―Automobile Liability Insurance

(Coverage AA and BB)

General Statement of Coverage .. .......................... 7

Our Right to Appeal .................. .......................... 7

Additional Payments Allstate Will Make .................. 7

Additional Definition For Part 1 .............................. 7

Exclusions ― What Is Not Covered ........................ 8

Financial Responsibility ......................................... 9

Limit Of Liability ................................................... 9

If There Is Other Insurance .................................. 9

Additional Interested Parties . ............................... 9

Part 2―Automobile Medical Payments

(Coverage CC)

General Statement of Coverage ...........................9

Additional Definitions For Part 2 ..........................10

Exclusions ― What Is Not Covered ...................... 10

Limit Of Liability .... ............................................ 11

Unreasonable Or Unnecessary

Medical Expenses . ………………………………………11

If There Is Other Insurance ................................ 12

Part 3―Uninsured Motorists Insurance

(Coverage SS)

General Statement of Coverage .......................... 12

An Uninsured Auto Is ………………………………………..12

An Uninsured Auto Is Not ................................... 12

Additional Definitional For Part 3 ………………………..12

Exclusions ― What Is Not Covered ...................... 13

Limits Of Liability ............. ............ .................... 13

Non-Duplication of Benefits ................................ 14

If There Is Other Insurance ................................ 14

Notice of Settlement Agreement ………………………..14

Trust Agreement ............................................... 14

Payment Of Loss By Allstate ............................... 14

Legal Actions ..................................................... 14

If We Cannot Agree ........................................... 14

Part 4―Protection Against Loss To The Auto

(Coverages DD, HH, JJ, LG, RC,

UU, ZA, ZZ)

Insuring Agreements For Each Coverage ............ 15

Additional Payments Allstate

Will Make Under Part 4 ................................ 16

Additional Definitions For Part 4 ......................... 16

Losses We Do Not Cover ................................... 17

Payment Of Loss By Allstate .............................. 18

Appraisal ......................................................... 18

Limit Of Liability ............................................... 18

If There Is Other Insurance ............................... 19

No Benefit To Bailee ......................................... 19

Loss Payable Clause .......................................... 19

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!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

A Stock Company

Home Office: Northbrook, Illinois 60062

GENERAL PROVISIONS

The following provisions apply to all parts of the

policy except where otherwise noted.

Insuring Agreement

This policy is a legal contract between you and us.

A coverage applies only when a premium for it is

shown on the Policy Declarations. If more than one

auto is insured, premiums will be shown for each

auto. We may find it necessary to issue you two or

more different policy numbers for this one policy.

Even if we issue two or more policy numbers, this

shall still constitute one policy. Your Policy

Declarations lists the policy numbers applicable. If

you pay the premiums when due and comply with

the policy terms, Allstate, relying on the

information you have given us, makes the following

agreements with you.

You agree to review your Policy Declarations to

confirm which of the available coverages and limits

described in this policy have been issued to you.

You agree to also review those sections of this

policy which relate to those coverages issued to

you so that you fully understand the insurance

protection you are receiving. Failure to review this

policy, including your Policy Declarations, will not

relieve you of this obligation. You should contact

Allstate, or the agent listed on your Policy

Declarations, immediately if you have any

questions about the coverages or limits, if you

believe there is any mistake about the coverages or

limits issued to you, or if you have any questions

or do not understand anything in this policy.

While your agent can help answer many specific

questions about the coverages, only you can

determine if you have selected the insurance

coverages you need and that those coverages have

actually been issued to you.

The terms of this policy impose joint obligations on

persons defined in applicable sections of this policy

as insured persons. This means that the

responsibilities, acts and omissions of a person

defined as an insured person will be binding upon

other person(s) defined as insured person(s).

When And Where The Policy Applies

Your policy applies only during the policy period.

During this time, it applies to covered losses to the

insured auto, accidents, and occurrences within

the United States, its territories or possessions,

Canada, and between their ports. The policy period

is shown on the Policy Declarations.

Conformity To State Statutes

When any policy provision is in conflict with the law

of the state in which the insured auto is principally

garaged, the minimum requirements of the law of

the state apply.

Insurance Coverage In Mexico

Prior to entering and driving in Mexico, you must

check with the appropriate Mexican authorities

regarding automobile insurance requirements.

Automobile accidents in Mexico are subject to the

laws of Mexico, NOT the United States. In Mexico,

an automobile accident can be considered a

CRIMINAL OFFENSE as well as a civil matter.

In some cases, part or all of this policy may NOT be

recognized by Mexican authorities and we may not

be allowed to provide any insurance coverage at all

in Mexico. For your protection, you should

consider purchasing automobile insurance

coverage from a licensed Mexican insurance

company before driving into Mexico.

However, when permitted, protection will be

afforded under those coverages for which a

premium is shown on the Policy Declarations for

an insured auto while that insured auto is

within 75 miles of the United States border and

only for a period not to exceed ten days after each

separate entry into Mexico.

If loss or damage occurs which may require repair

of the insured auto or replacement of any Part(s)

while the insured auto is in Mexico, the basis for

adjustment of the claim will be as follows: Any

amount payable resulting from any covered loss or

damage occurring in Mexico shall be payable in the

United States. We will not be liable for more than

the cost of having the repairs made or parts

replaced at the nearest point in the United States

where repairs or replacements can be performed.

The costs for towing, transportation, and salvage

operations of the insured auto while within Mexico

are not covered under this policy.

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Definitions Used Throughout The Policy

The following definitions apply throughout the

policy unless otherwise indicated. Defined words

are printed in bold face type.

1. "Additional Auto" means an auto or utility

auto of which you become the owner during

the policy period. This auto will be covered by

Allstate or one of its affiliates as of the date

you acquired the auto if:

a. Allstate or one of its affiliates insures all

other private passenger autos and utility

autos you own;

b. the newly acquired auto or utility auto

is not covered under any other automobile

insurance policy;

c. you tell us within 30 days of acquiring the

auto or utility auto;

d. Allstate or one of its affiliates agrees to

continue coverage for this additional

auto or utility auto; and

e. you pay any additional premium.

2. "Allstate," "We," "Us," or "Our" means the

company shown on the Policy Declarations.

3. "Auto" means a private passenger land motor

vehicle, with at least four wheels designed for

use on public roads.

4. "Bodily Injury" means physical harm to

the body, sickness, disease, or death, but

does not include:

a. Any venereal disease

b. Herpes;

c. Acquired Immune Deficiency Syndrome

(AIDS);

d. AIDS Related Complex (ARC);

e. Human Immunodeficiency Virus (HIV);

or any resulting symptom, effect,

condition, disease or illness related to a.

through e. listed above.

5. "Insured Auto" means any auto or utility auto

you own which is described on the Policy

Declarations. This also includes:

a. A replacement auto;

b. An additional auto;

c. A substitute auto;

d. A non-owned auto; or,

e. A trailer while attached to an insured

auto. The trailer must be designed for

use with an auto or utility auto. This

trailer can't be used for business

purposes with other than an auto or

utility auto.

This definition (e.) does not apply to

Uninsured Motorists Insurance.

6. "Non-owned Auto" means an auto used by

you or a resident relative with the owner's

permission but which is not:

a. owned by you or a resident relative, or

b. available or furnished for the regular use

of you or a resident relative.

7. "Replacement Auto" means a newly acquired

auto or utility auto you own which is a

permanent replacement for the auto described

on the Policy Declarations. You must notify us

within 30 days of acquisition and pay any

additional premium.

8. "Resident" means a person who physically

resides in your household with the intention to

continue residence there. We must be notified

whenever an operator becomes a resident of

your household. Your unmarried dependent

children while temporarily away from home

will be considered residents if they intend to

resume residing in your household.

9. "Substitute Auto" means a non-owned auto

being temporarily used by you or a resident

relative with the permission of the owner while

your insured auto is being serviced or

repaired, or if your insured auto is stolen or

destroyed.

10. "Utility Auto" means an auto of the pick-up

body, sedan delivery or panel truck type. This

auto must have a gross vehicle weight of

10,000 pounds or less, according to

manufacturer's specifications.

11. "You" or "Your" means the policyholder

named on the Policy Declarations and that

policyholder's resident spouse.

Premium Changes

The premium for each auto is based on information

Allstate has received from you or other sources.

You agree to cooperate with us in determining if

this information is correct, if it is complete, and if it

changes during the policy period. You agree that if

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this information changes or is incorrect or

incomplete, we may adjust your premium

accordingly during the policy period.

Changes which result in a premium adjustment are

described in our rules. These changes include, but

are not limited to:

1. autos insured by the policy, including

changes in use;

2. drivers residing in your household, their ages

or marital status;

3. coverages or coverage limits;

4. rating territory; and

5. discount or surcharge applicability.

Any calculation or adjustment of your premium will

be made using the rules, rates and forms in effect,

and on file if required, for our use in your state.

Coverage Changes

When Allstate broadens a coverage during the

policy period without additional charge, you have

the new feature if you have the coverage to which

it applies. The new feature applies on the date the

coverage change is effective in your state.

Otherwise, the policy can be changed only by

endorsement. Any change in your coverage will be

made using the rules, rates and forms in effect, and

on file if required, for our use in your state.

Duty To Report Policy Changes

Your policy was issued in reliance on the

information you provided concerning autos,

persons insured by the policy and your place of

residence. To properly insure your auto, you must

promptly notify us when you change your address

or whenever any resident operators insured by

your policy are added or deleted.

You must notify us within 30 days when you

acquire an additional auto. If you don't, the

coverages under this policy will not apply to the

additional auto.

When you acquire an additional auto or utility

auto it will be covered by Allstate or one of its

affiliates for 30 days immediately after you acquire

ownership. However, Allstate or one of its affiliates

will provide this coverage only if Allstate or one of

its affiliates insures all other autos and utility autos

you own, no other insurance policy provides

coverage for this auto, and you pay the additional

premium.

Coverage will be continued beyond this 30 day

period only if:

a. you ask us to continue coverage within 30

days after you acquire the auto or utility auto;

b. Allstate or one of its affiliates agrees to

continue coverage for this additional auto or

utility auto; and

c. you pay the additional premium.

If you don't notify us within 30 days of acquiring a

replacement auto, the coverage under Part 4,

Protection Against Loss To The Auto, of this policy

will not apply to the replacement auto.

Notice

Your notice to an authorized Allstate agent shall be

deemed to be notice to us.

What To Do If There Is A Loss

1. If an insured person has an accident involving

a motor vehicle, Allstate or any authorized

agent of Allstate must be informed as soon

as possible of all details. As soon as possible,

any person making a claim must give us

written proof of loss, including all details we

may need to determine the amounts payable.

2. We may require any person making a claim to

file with us a sworn proof of loss. We may also

require that person to submit to examinations

under oath, separately and apart from others,

and to sign the transcript.

3. If an insured person is sued as the result of a

motor vehicle accident, we must be informed

immediately.

4. You must allow us to inspect the damaged

property.

5. You must protect the auto from further loss.

We will pay reasonable expenses to guard

against further loss. If you don't protect the

auto, further loss is not covered.

6. You must report all theft losses promptly to

the police.

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Medical Reports

The injured person may be required to take medical

examinations by physicians we choose, as often as

we reasonably require. We must be given

authorization to obtain medical reports and other

records pertinent to the claim.

Assistance And Cooperation Of The

Insured

An insured person must cooperate with us in the

investigation, settlement and defense of any claim

or lawsuit. If we ask, that person must also help us

obtain payment from anyone who may be jointly

responsible.

We are not obligated to provide reimbursement if

an insured person voluntarily takes any action or

makes any payments other than for covered

expenses for bail bonds or first aid to others. Under

Uninsured Motorists Insurance, we may require an

insured person to take proper action to preserve all

rights to recover damages from anyone

responsible for the bodily injury.

Subrogation Rights

When we pay, an insured person's rights of

recovery from anyone else become ours up to the

amount we have paid. An insured person must

protect these rights and, at our request, help us

enforce them. With respect to Automobile Medical

Payments only, this provision does not apply to

you or a resident relative.

Combining Limits 0f Two Or More Autos

Prohibited

The coverage limits applicable to any one auto or

utility auto shown on the Policy Declarations will

not be combined with or added to the coverage

limits applicable to any other auto or utility auto

shown on the Policy Declarations or covered by the

policy. This means that no stacking or aggregation

of coverages will be allowed by this policy. This is

true even though a separate premium is charged

for each of those autos or utility autos. This is true

regardless of the number of:

1. vehicles or persons shown on the Policy

Declarations;

2. vehicles involved in the accident;

3. persons seeking damages as a result of the

accident; or

4. insured persons from whom damages are

sought.

If two or more autos or utility autos are shown on

the Policy Declarations and one of these autos or

utility autos is involved in an accident to which

coverage applies, the coverage limits shown on the

Policy Declarations for the involved auto will apply.

If a covered accident involves an auto other than

one shown on the Policy Declarations, or if an

insured person is struck as a pedestrian in a

covered accident, the highest coverage limits

shown on the Policy Declarations for the applicable

coverage for any one auto will apply.

Transfer

This policy can't be transferred to another person

without our written consent. However, if you die,

this policy will provide coverage until the end of the

policy period for your legal representative while

acting as such and for persons covered on the date

of your death.

Payment

If your initial premium payment for your first policy

period is by check, draft, or any remittance other

than cash, such payment is conditional upon the

check, draft, or remittance being honored upon

presentation. If such check, draft, or remittance is

not honored upon presentation, this policy shall be

deemed void from its inception. This means that

Allstate will not be liable under this policy for any

claims or damages which would otherwise be

covered had the check, draft, or remittance been

honored upon presentation.

Conditional Reinstatement

If we mail a cancellation notice because you didn't

pay the required premium when due and you then

tender payment by check, draft, or other remittance

which is not honored upon presentation, your

policy will terminate on the date and time shown on

the cancellation notice and any notice we issue

which waives the cancellation or reinstates

coverage is void. This means that Allstate will not

be liable under this policy for claims or damages

after the date and time indicated on the cancellation

notice.

Fraud Or Misrepresentation

Your policy was issued in reliance on the

information you provided on your auto insurance

application concerning autos and persons insured

by the policy. If it is determined that your policy

was obtained through material misrepresentation,

fraud or concealment of material facts, or if any

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material misrepresentation was made on your auto

insurance application, your policy may be deemed

void from its inception. This means that we will not

be liable for any claims or damages which would

otherwise be covered.

WARNING: Any person who knowingly, and with

intent to injure, defraud or deceive any insurer,

makes any claim for the proceeds of an insurance

policy containing any false, incomplete or

misleading information is guilty of a felony.

Cancellation

Your Right to Cancel:

You may cancel this policy by notifying us of the

future date you wish to stop coverage. Any

unearned premium amounts under $2.00 will be

refunded only upon your request.

Our Right to Cancel:

During the policy period, Allstate may cancel part

or all of this policy by mailing notice to you at your

last known address. If we cancel because you

didn't pay the premium, the date of cancellation will

be at least 10 days after the date of mailing. If we

cancel for any reason other than non-payment of

premium, notice will be as follows:

1. During the first 45 business days the original

policy is in effect, we will give you at least 10

days notice of cancellation.

2. After the first 45 business days, we will give

you at least 30 days notice.

After your policy has been in effect 45 business

days, Allstate won't cancel or reduce your

coverage during the policy period unless:

1. the premium isn't paid when due;

2. a. the policy was obtained or renewed

through material misrepresentation;

b. there is intentional material

misrepresentation in the submission of

any claim;

3. you, or any member of your household, has

had a drivers license or motor vehicle

registration suspended or revoked during the

last 12 months; or

4. Allstate has mailed notice within the first 45

business days that we don't intend to

continue the policy.

Our mailing the notice of cancellation to you at your

last mailing address known to us shall be sufficient

proof of receipt of notice. Coverage under this

policy will terminate on the effective date and hour

stated on the cancellation notice. Your return

premium, if any, will be calculated on a pro rata

basis and refunded at the time of cancellation or as

soon as possible. We will refund amounts under

$2.00 only upon your request. However, refund of

unearned premium is not a condition of

cancellation.

Non-Renewal

If we don't intend to renew your policy beyond the

current policy period, we will mail you notice at

least 30 days before the end of the policy period.

Proof of mailing the notice of non-renewal to you

shall be deemed proof of notice.

Loss Reduction Items

From time to time, we may provide you with certain

items designed to help you manage the risks you

face, loss reduction related items, discounts or

incentives not otherwise specified herein.

Action Against Allstate

No suit or action may be brought against us unless

there has been full compliance with all policy terms

and conditions.

If liability has been determined by judgment after

trial, or by written agreement among the insured,

the other person, and us, then whoever obtains this

judgment or agreement against an insured person,

may sue us up to the limits of this policy. However,

no one has the right to join us in a suit to determine

legal responsibility.

Bankruptcy Or Insolvency

The bankruptcy or insolvency of an insured person

or that person's estate will not relieve us of any

obligation under the policy.

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Part 1

Automobile Liability Insurance

Bodily Injury Liability ―

Coverage AA

Property Damage Liability ―

Coverage BB

Liability Insurance is provided in this policy in

accordance with coverage required by the

Compulsory Insurance Law of Oklahoma.

General Statement of Coverage

If a premium is shown on the Policy Declarations

for Bodily Injury Liability Coverage and Property

Damage Liability Coverage, Allstate will pay

damages which an insured person is legally

obligated to pay because of:

1. bodily injury sustained by any person, and

2. damage to, or destruction of, property,

including loss of use.

Under these coverages, your policy protects an

insured person from liability for damages arising

out of the ownership, maintenance or use, loading

or unloading of an insured auto.

We will not pay any punitive or exemplary

damages, fines or penalties under Bodily Injury

Liability or Property Damage Liability coverage.

We will defend an insured person sued as a result

of a covered accident involving an insured auto.

We will choose the counsel. We may settle any

claim or suit if we believe it is proper. We will not

defend an insured person sued for damages

arising out of bodily injury or property damage

which are not covered by this policy.

Our Right to Appeal

If an insured person or any other insurer elects not

to appeal a judgment, we may do so. We will pay

reasonable costs and interest incidental to the

appeal. We will not be liable for more than the limit

shown on your Policy Declarations plus the

reasonable costs and interest incidental to the

appeal.

Additional Payments Allstate Will Make

When we defend an insured person under Part 1,

we will pay:

1. up to $50 a day for the loss of wages or salary

if we ask that person to attend hearings or

trials. We won't pay for loss of other income.

We will pay other reasonable expenses

incurred at our request.

2. court costs for defense.

3. interest accruing on a judgment entered

against you, but only on that part of a

judgment entered against you which does not

exceed our limits of liability, until such time as

we have paid, formally offered, or

conditionally or unconditionally deposited in

court, the amount for which we are liable

under this policy. Interest will be paid only on

that part of a judgment entered against you

which does not exceed our limits of liability.

This means that under no circumstances will

we pay interest on that part of a judgment

entered against you which exceeds our stated

limits of liability.

4. premiums on appeal bonds and on bonds to

release attachments, but not in excess of our

limit of liability. We have no obligation,

however, to apply for or furnish these bonds.

We will repay an insured person for:

1. the cost of any bail bonds required because

of an accident or traffic law violation involving

the use of the insured auto. Payment won't

exceed $300 per bond. We have no obligation

to apply for or furnish a bond.

2. reasonable expenses incurred by an insured

person for first aid to other persons at the

time of an auto accident involving the insured

auto.

Additional Definition For Part 1

"Insured Person(s)" means:

1. While using your insured auto:

a. you,

b. any resident,

c. and any other person using it with your

permission.

2. While using a non-owned auto:

a. you, and

b. any resident relative.

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Exclusions―What Is Not Covered

Allstate will not pay for any damages an insured

person is legally obligated to pay because of:

1. bodily injury or property damage resulting

from the ownership, maintenance or use,

loading or unloading of the insured auto by

any person as an employee of the United

States government, while acting within the

scope of such employment. This exclusion

applies only if the provisions of the Federal

Tort Claims Act, as amended, require the

Attorney General of the United States to

defend that person in any civil action or

proceeding which may be brought for the

bodily injury or property damage.

2. bodily injury or property damage arising out

of the use of an insured auto while used to

carry persons or property for a charge, or the

use of any auto an insured person is driving

while available for hire by the public. This

exclusion does not apply to shared-expense

car pools.

3. bodily injury or property damage arising out

of auto or motor vehicle business operations

such as repairing, servicing, testing, washing,

parking, storing or selling of autos or motor

vehicles. However, this exclusion does not

apply to you, resident relatives, partners or

employees of the partnership of which you or

a resident relative are a partner, when using

your insured auto.

4. bodily injury or property damage arising out

of the use of a non-owned auto in any

business or occupation of an insured person.

However, this exclusion does not apply while

you, your chauffeur, or domestic servant are

using an auto or trailer.

5. bodily injury or property damage arising out

of the ownership, maintenance, or use of a

motor vehicle with less than four wheels.

6. bodily injury to an employee of any insured

person arising out of or in the course of

employment. This exclusion does not apply to

your domestic employee who is not required

to be covered by a worker's compensation law

or similar law.

7. bodily injury to a co-worker injured in the

course of employment. This exclusion does

not apply to you.

8. bodily injury to any person related to an

insured person by blood, marriage, or

adoption and residing in that person's

household, to the extent that the limits of

liability for this coverage exceed the limits of

liability required by the Oklahoma Financial

Responsibility Law.

9. damage to or destruction of property an

insured person owns, transports, is in charge

of, or rents. An auto operated by an insured

person is considered to be property in charge

of an insured person. However, a private

residence or a garage rented by that person is

covered.

10. bodily injury or property damage intended by,

or reasonably expected to result from, the

intentional or criminal acts or omissions of an

insured person. This exclusion applies even

if:

a. an insured person lacks the mental

capacity to control or govern his or her

conduct;

b. an insured person is temporarily insane

or temporarily lacks the mental capacity

to control or govern his or her conduct

or is temporarily unable to form any

intent to cause bodily injury or property

damage;

c. such bodily injury or property damage is

of a different kind or degree than

intended or reasonably expected; or

d. such bodily injury or property damage is

sustained by a different person than

intended or reasonably expected.

This exclusion applies regardless of whether

or not an insured person is actually charged

with, or convicted of, a crime.

This exclusion precludes coverage for any

insured persons under the policy regardless

of whether the person seeking coverage

participated in any way in the intentional or

criminal acts or omissions.

11. bodily injury or property damage which

would also be covered under nuclear energy

Page 9

liability insurance. This applies even if the

limits of that insurance are exhausted.

12. bodily injury or property damage arising out

of the participation in any prearranged or

organized racing or speed contest, or in

practice or preparation for any contest of this

type.

Financial Responsibility

When this policy is certified as proof under any

motor vehicle financial responsibility law, the

insurance under this part of the policy will comply

with the provisions of that law.

Limits Of Liability

The limits shown on the Policy Declarations are the

maximum we will pay for any single accident

involving an insured auto. The limit stated for each

person for bodily injury is our total limit of liability

for all damages because of bodily injury sustained

by one person, including all damages sustained by

anyone else as a result of that bodily injury.

Subject to the limit for each person, the limit stated

for each accident is our total limit of liability for all

damages for bodily injury. For property damage,

the limit stated for each accident is our total limit of

liability for property damage sustained in any single

accident involving an insured auto.

The liability limits shown on the Policy Declarations

may not be added to the limits for similar coverage

applying to other motor vehicles to determine the

limit of insurance coverage available. This applies

regardless of the number of:

1. policies involved;

2. vehicles involved;

3. persons covered;

4. claims made;

5. vehicles or premiums shown on the Policy

Declarations; or

6. premiums paid.

THIS MEANS THAT NO STACKING OR

AGGREGATION OF AUTOMOBILE LIABILITY

INSURANCE ― BODILY INJURY AND PROPERTY

DAMAGE WHATSOEVER WILL BE ALLOWED BY

THIS POLICY.

If none of the autos shown on the Policy

Declarations is involved in the accident, the highest

limit of liability shown on the Policy Declarations for

any one auto will apply.

An auto and attached trailer are considered one

auto. Also, an auto and a mounted camper unit,

topper, cap, or canopy are considered one auto.

If There Is Other Insurance

If more than one policy applies on a primary basis

to an accident involving your insured auto, we will

bear our proportionate share with other collectible

liability insurance.

If an insured person is using a substitute auto or

non-owned auto, our liability insurance will be

excess over other collectible insurance. However, if

an insured person is operating an insured auto

which is owned by a person, firm, or corporation in

the business of selling, leasing, repairing,

servicing, delivering, testing, road testing, parking,

or storing motor vehicles, our liability insurance will

apply on a primary basis.

Additional Interested Parties

If one or more additional interested parties are

listed on the Policy Declarations, the Automobile

Liability Insurance coverages of this policy will

apply to those parties as insureds.

We will mail or deliver at least 10 days notice to an

additional interested party if we cancel or make any

changes to this policy which adversely affect that

party's interest. Our notice will be considered

properly given if mailed to the last known address

of the additional interested party.

The naming of an additional interested party does

not increase that party's right to recovery under

this policy, nor does it impose an obligation for the

payment of premiums under this policy.

Part 2

Automobile Medical Payments

Coverage CC

General Statement of Coverage

If a premium is shown on the Policy Declarations

for Automobile Medical Payments, Allstate will pay

to or on behalf of an insured person all reasonable

Page 10

expenses actually incurred by the insured person

for necessary medical treatment, medical services

or medical products actually provided to the

insured person by a state licensed health care

provider. Ambulance, hospital, medical, surgical,

X-ray, dental, orthopedic and prosthetic devices,

professional nursing services, pharmaceuticals,

eyeglasses, hearing aids, and funeral expenses are

covered. Payment will be made only when bodily

injury is caused by a motor vehicle accident.

The treatment, services, or products must be

rendered within one year after the date of the

accident. This will be extended to five years if the

amount of insurance shown on the Policy

Declarations for this coverage is more than $5,000.

This coverage does not apply to any person to the

extent that the treatment is covered under any

workers' compensation law.

Additional Definitions For Part 2

1. "Insured Person(s)" means:

a. You and any resident relative who

sustains bodily injury while in, on,

getting into or out of, or getting on or off,

or when struck as a pedestrian by a

motor vehicle or trailer. The use of

non-owned autos must be with the

owner's permission.

b. Any other person who sustains bodily

injury while in, on, getting into or out of,

or getting on or off:

i. Your insured auto while being used

as a vehicle by you, a resident

relative, or any other person with

your permission.

ii. A non-owned auto or trailer if the

injury results from the operation or

occupancy by:

a. you,

b. your private chauffeur or

domestic servant on your

behalf, or

c. a resident relative.

2. "Motor Vehicle" means a land motor vehicle

designed for use on public roads.

Exclusions―What is not covered

This coverage does not apply to bodily injury:

1. intended by, or reasonably expected to result

from, the intentional or criminal acts or

omissions of an insured person. This

exclusion applies even if:

a. an insured person lacks the mental

capacity to control or govern his or her

own conduct;

b. an insured person is temporarily insane

or temporarily lacks the mental capacity

to control or govern his or her conduct

or is temporarily unable to form any

intent to cause bodily injury;

c. such bodily injury is of a different kind

or degree than intended or reasonably

expected; or

d. such bodily injury is sustained by a

different person than intended or

reasonably expected.

This exclusion applies regardless of whether

or not an insured person is actually charged

with, or convicted of, a crime.

This exclusion precludes coverage for any

insured persons under the policy regardless

of whether the person seeking coverage

participated in any way in the intentional or

criminal acts or omissions.

2. to you or a resident relative while in, on,

getting into or out of, or getting on or off, an

auto owned by you or a resident relative

which is not insured for this coverage.

3. to you or a resident relative while in, on,

getting into or out of, getting on or off, or

struck as a pedestrian by:

a. a vehicle operated on rails or

crawler-treads; or

b. a vehicle or other equipment designed

for use oft public roads, while not on

public roads.

4. to any person while in, on, getting into or out

of, or getting on or off:

a. an auto owned by you or a resident

relative while available for hire by the

public. This exclusion does not apply to

shared-expense car pools; or

b. an auto or trailer while used as a

residence or premises.

5. to any person, other than you or a resident

relative, while using a non-owned auto:

a. which is available for hire by the public;

Page 11

b. in auto or motor vehicle business

operations such as repairing, servicing,

testing, washing, parking, storing or

selling of autos or motor vehicles; or

c. in any other business or occupation.

Coverage is provided for you or your private

chauffeur or domestic servant while using an

insured auto or trailer in any other business

or occupation.

6. caused by war or warlike acts, including, but

not limited to, insurrection, rebellion, or

revolution.

7. to any person when bodily injury arises out

of participation in any prearranged or

organized racing or speed contest or in

practice or preparation for any contest of this

type.

8. to any person or dependent of a person to the

extent that such person or dependent is

eligible to receive benefits provided by the

U.S. government under a contract of

employment including past or present military

duty.

We will reimburse the U.S. government, as

required in Chapter 55 of Title 10 of the U.S.

Code, for expenses covered under this part of

the policy when it incurs such expenses on

behalf of an insured person through a facility

of the uniformed services.

Limit Of Liability

The limit shown on the Policy Declarations is the

maximum we will pay for all expenses incurred by

or for each person as the result of any one motor

vehicle accident.

The Coverage CC limit of liability shown on the

Policy Declarations may not be added to the limit(s)

for similar coverage applying to other autos or

motor vehicles to determine the limit of insurance

coverage available. This applies regardless of the

number of:

1. policies involved;

2. vehicles involved;

3. persons covered;

4. claims made;

5. vehicles or premiums shown on the Policy

Declarations; or

6. premiums paid.

THIS MEANS THAT NO STACKING OR

AGGREGATION OF AUTOMOBILE MEDICAL

PAYMENTS WHATSOEVER WILL BE ALLOWED BY

THIS POLICY.

If none of the autos shown on the Policy

Declarations is involved in the accident, the highest

limit of liability shown on the Policy Declarations for

any one auto will apply.

If an insured person dies as the result of a covered

motor vehicle accident, we will pay the least of the

following as a funeral expenses benefit:

1. $2,000; or

2. the Coverage CC limit of liability stated on the

Policy Declarations; or

3. the remaining portion of the Coverage CC limit

of liability not expended for other covered

medical expenses.

This funeral service expenses benefit does not

increase, and will not be paid in addition to, the limit

of liability shown on the Policy Declarations for

Automobile Medical Payments, Coverage CC. This

benefit is payable to the deceased insured person's

spouse if a resident of the same household at the

time of the accident. However, if the deceased is a

minor, the benefit is payable to either parent who is

a resident of the same household at the time of the

accident. In all other cases, the benefit is payable to

the deceased insured person's estate.

There will be no duplication of payments made

under the Bodily Injury Liability Coverage,

Uninsured Motorists Insurance, and Automobile

Medical Payments Coverage of this policy. All

payments made to or on behalf of any person

under this coverage will be considered as advance

payments to that person. Any damages payable

under the Bodily Injury Liability Coverage or

Uninsured Motorists Insurance Coverage of this

policy will be reduced by that amount.

Unreasonable Or Unnecessary Medical

Expenses

If the insured person incurs medical expenses

which we deem to be unreasonable or

unnecessary, we may refuse to pay for those

medical expenses and contest them.

If the insured person is sued by a medical services

provider because we refuse to pay medical

expenses which we deem to be unreasonable or

unnecessary, we will pay resulting defense costs,

Page 12

and pay any resulting judgment against the insured

person, up to the Automobile Medical Payments

policy limit. We will choose the counsel. The

insured person must cooperate with us in the

defense of any claim or lawsuit. If we ask the

insured person to attend hearings or trials, we will

pay up to $50 per day for loss of wages or salary.

We will also pay other reasonable expenses

incurred at our request.

No insured person may sue Allstate for medical

expenses Allstate deems unreasonable or

unnecessary unless:

1. the insured person has paid the entire

disputed amount to the medical services

provider; or

2. the medical services provider has expressly

threatened or initiated collection activity

toward the insured person.

If There Is Other Insurance

When this coverage applies to a substitute auto or

non-owned auto, Allstate will pay only after all

other collectible auto medical insurance has been

exhausted. When this coverage applies to a

replacement auto or additional auto, this policy

will not apply if you have other collectible auto

medical insurance.

Part 3

Uninsured Motorists Insurance

Coverage SS

General Statement of Coverage

If a premium is shown on the Policy Declarations

for Uninsured Motorists Insurance, we will pay

damages which an insured person is legally

entitled to recover from the owner or operator of an

uninsured auto because of: bodily injury sustained

by an insured person.

The bodily injury must be caused by accident and

arise out of the ownership, maintenance, or use of

an uninsured auto. We will not pay any punitive or

exemplary damages, fines or penalties under

Uninsured Motorists Insurance.

Coverage SS applies regardless of the number of

vehicles you own, operate or insure under this

policy.

An Uninsured Auto Is:

1. a motor vehicle which has no bodily injury

liability bond or insurance policy in effect at

the time of the accident.

2. a motor vehicle covered by a bond or

insurance policy which doesn't provide at

least the minimum financial security

requirements of the state in which your

insured auto is principally garaged.

3. a motor vehicle for which the insurer, other

than Allstate under this policy, denies

coverage or becomes insolvent.

4. a hit-and-run motor vehicle which causes

bodily injury to an insured person whether

or not physical contact was made with the

insured person or with a vehicle occupied by

that person. The identity of the operator and

the owner of the vehicle must be unknown.

The accident must be reported within 24

hours to the proper authorities. We must be

notified within 30 days. If the insured person

was occupying a vehicle at the time of the

accident, we have a right to inspect it.

5. an underinsured motor vehicle which has

bodily injury liability protection in effect and

applicable at the time of the accident, in an

amount equal to or greater than the amounts

specified for bodily injury liability by the

financial responsibility laws of Oklahoma, but

less than the applicable damages the insured

person is legally entitled to recover.

An uninsured auto is not:

1. a motor vehicle that is lawfully self-insured.

2. a motor vehicle which is insured under the

Automobile Liability Insurance of this policy.

Additional Definitions For Part 3

1. Insured Auto Means A Motor Vehicle:

a. you own. This includes any auto you

purchase:

i. as a replacement for the owned

motor vehicle.

ii. as an additional motor vehicle if

you tell us within 30 days after you

acquire the additional motor vehicle

and pay the additional premium, if

any.

b. you or a resident relative do not own but:

i. you are using.

ii. is being temporarily used:

Page 13

(a) when your owned auto is being

serviced or repaired; or

(b) because your owned auto was

stolen or destroyed.

This non-owned auto must be used only

with its owner's permission. It also must

not be furnished or available for your or

a resident relative's regular use.

A motor vehicle made available for public hire

by any insured person is not and cannot be an

insured auto under this policy.

2. "Insured Person(s)" means:

a. you and any resident relative.

b. any person while in, on, getting into or

out of, or getting on or off an insured

auto with your permission.

c. any other person who is legally entitled

to recover because of bodily injury to

you, a resident relative, or an occupant

of your insured auto with your

permission.

3. "Motor Vehicle" means a land motor vehicle

or trailer other than:

a. a vehicle or other equipment designed

for use off public roads, while not on

public roads,

b. a vehicle operated on rails or

crawler-treads, or

c. a vehicle when used as a residence or

premises.

Exclusions―What Is Not Covered

Allstate will not pay any damages an insured

person is legally entitled to recover because of:

1. bodily injury to any person, if that person or

that person's legal representative makes a

settlement without our written consent. This

will include any payment made by any person

on behalf of the uninsured motorist.

2. bodily injury arising out of the use of an

insured auto while used to carry persons or

properly for a charge, or the use of any auto

an insured person is driving while available

for hire by the public. This exclusion does not

apply to shared-expense car pools.

3. bodily injury if the payment would directly or

indirectly benefit any workers' compensation

or disability benefits insurer. This includes a

self-insurer.

Limits 0f Liability

The uninsured motorists limit stated on the

declarations page is the maximum amount payable

for this coverage by this policy for any one

accident. This means the insuring of more than one

auto for other coverages afforded by this policy will

not increase our limit of liability beyond the amount

shown on the declarations page.

The coverage limit shown on the Policy

Declarations for:

1. "each person" is the maximum that we will pay

for damages arising out of bodily injury to

one person in any one motor vehicle

accident, including all damages sustained by

anyone else as a result of that bodily injury.

2. "each accident" is the maximum we will pay for

damages arising out of all bodily injury in any

one motor vehicle accident. This limit is

subject to the limit for "each person."

Subject to the above limits of liability, damages

payable under Uninsured Motorists Insurance shall

be reduced by:

1. all amounts paid or payable by or on behalf of

the owner or operator of the uninsured auto,

or anyone else responsible. This includes all

sums paid under the bodily injury liability

coverage of this or any other auto insurance

policy.

2. all amounts paid or payable under any

disability benefits law, or similar law,

Automobile Medical Payments, or any similar

automobile medical payments coverage under

this or any other auto insurance policy.

We are not obligated to make any payment for

bodily injury, under this coverage which arises out

of the use of an underinsured motor vehicle until

after the limits of liability for all liability protection in

effect and applicable at the time of the accident

have been exhausted by payment of judgments or

settlements.

Page 14

Non-Duplication of Benefits

No injured person will recover duplicate benefits for

the same elements of loss under this or any other

uninsured motorists insurance, including approved

plans of self-insurance.

If There Is Other Insurance

If the insured person was in, on, getting into or out

of a vehicle which is insured for uninsured

motorists coverage under another policy, this

coverage will be excess. This means that when the

insured person is legally entitled to recover

damages in excess of the other policy limit, we will

pay up to your policy limit, but only after all other

collectible insurance has been exhausted.

Notice Of Settlement Agreement

If, before we make payment for loss for bodily

injury under this coverage, a tentative agreement

to settle for liability limits is reached by the insured

person or his legal representative with the person

or organization legally responsible for the use of an

uninsured motor vehicle, we must receive written

notification of this agreement by certified mail. This

written notice shall also include:

1. full particulars of the nature and extent of the

injuries, treatment, and other details entering

into the determination of the amount payable,

including copies of all medical bills, and

2. authorization or a court order to obtain reports

from all employers and medical providers.

Within 60 days of receipt of written notice, we may

substitute our payment to the insured person for

the tentative settlement amount. If payment is

substituted, the insured person's rights of recovery

become ours to the extent of such payment plus

any settlement under the uninsured motorists

coverage.

If we fail to pay the tentative settlement amount

within 60 days, we will have no right to the

proceeds of any settlement or judgment for any

amount paid under the uninsured motorists

coverage.

Trust Agreement

When we pay any person under this coverage:

1. we are entitled to repayment of amounts paid

by us and related collection expenses out of

the proceeds of any settlement or judgment

that person recovers from any responsible

party or insurer.

2. all rights of recovery against any responsible

party or insurer must be maintained and

preserved for our benefit.

3. insured persons, if we ask, must take proper

action in their own name to recover damages

from any responsible party or insurer. We will

select the attorney, and pay all related costs

and fees.

We will not ask the insured person to sue the

insured of an insolvent insurer.

Payment Of Loss By Allstate

Any amount due is payable to the insured person,

to the parent or guardian of an insured person who

is an injured minor, or to the spouse of any insured

person who dies. However, we may pay any person

lawfully entitled to recover the damages.

Legal Actions

No one may sue us under this coverage unless

there is full compliance with all the policy terms and

conditions.

If, at any time before we pay for the loss, an

insured person institutes a suit against anyone

believed responsible for the accident, we must be

given a copy of the summons and complaint or

other process. If a suit is brought without our

written consent, we aren't bound by any resulting

judgment.

If We Cannot Agree

If the insured person and we don't agree on that

person's right to receive damages or on the

amount, then upon mutual consent, the

disagreement will be settled by arbitration. If the

insured person and we do not agree to arbitrate,

then the disagreement will be resolved in a court of

competent jurisdiction. The arbitrators will not have

the power to decide any dispute regarding the

nature or the amount of the coverage provided by

the policy or claims for damages outside the terms

of the policy, including, but not limited to, claims

for bad faith, fraud, misrepresentation, punitive or

exemplary damages, attorney fees and/or interest.

Arbitration will take place under the rules of the

American Arbitration Association or as agreed to

by the parties.

Page 15

Part 4

Protection Against Loss To The

Auto

Other information applicable to all these coverages

appears after all the coverage descriptions.

Auto Collision Insurance

Coverage DD

If a premium is shown on the Policy Declarations

for Auto Collision Insurance, Allstate will pay for

direct and accidental loss to an insured auto from

a collision with another object or by upset of that

auto or trailer.

Auto Comprehensive Insurance

Coverage HH

If a premium is shown on the Policy Declarations

for Auto Comprehensive Insurance, Allstate will

pay for direct and accidental loss to an insured

auto not caused by collision. Loss caused by

missiles, falling objects, fire, theft or larceny,

explosion, earthquake, windstorm, hail, water,

flood, malicious mischief or vandalism, and riot or

civil commotion is covered. Glass breakage,

whether or not caused by collision, and collision

with a bird or animal is covered. Plastic or other

materials used by the manufacturer as substitutes

for glass will also be considered glass.

If by agreement between you and Allstate, glass is

repaired rather than replaced, the deductible

amount will not be subtracted from a glass

breakage loss.

Towing And Labor Costs

Coverage JJ

If a premium is shown on the Policy Declarations

for Towing and Labor Costs, Allstate will pay costs

for labor performed at the initial place of

disablement and for towing made necessary by the

disablement of your insured auto or a non-owned

auto. The total limit of our liability for towing and

labor caused by a single loss is stated on the Policy

Declarations.

Lease Or Loan Gap Coverage

Coverage LG

If a premium is shown on the Policy Declarations

for Lease Or Loan Gap Coverage, and if the amount

you owe under the terms of the auto lease or loan

agreement on your auto exceeds the actual cash

value of the auto, then Allstate will pay the

difference between these amounts in the event of a

total loss due to physical damage or theft of that

auto. We may pay you and the lessor or lienholder

named on the Policy Declarations.

Lease Or Loan Gap Coverage applies only if you

have both Auto Collision and Comprehensive

Insurance in effect under this policy and the loss is

covered under either coverage. This coverage

applies only to the original lease or loan written on

your auto and applies only if your auto was not

previously titled. If, according to the information

you have given us, the lease or loan ends during

the policy period, we will stop this coverage at the

end of that policy period. However, you must tell us

if you want this coverage to end at an earlier date.

Repair Or Replacement Cost Coverage

Coverage RC

If a premium is shown on the Policy Declarations

for Repair Or Replacement Cost Coverage

(Coverage RC), it will be Allstate's option to pay to

repair or replace the auto to which Coverage RC

applies as shown on the Policy Declarations for a

covered loss if you have purchased both Auto

Collision Insurance and Auto Comprehensive

Insurance and either coverage is applicable to the

loss.

This coverage will continue until the first policy

renewal after the coverage has been in effect for

three years. Repair Or Replacement Cost Coverage

does not automatically transfer to any replacement

auto or additional auto acquired during the policy

period. This coverage does not apply to any other

vehicle, including, but not limited to, additional

autos, replacement autos, or substitute autos.

Rental Reimbursement Coverage

Coverage UU

If a premium is shown on the Policy Declarations

for Rental Reimbursement Coverage, and if you

have an auto accident, or the entire insured auto is

stolen, Allstate will reimburse you for your cost of

renting an auto from a rental agency or garage. We

will not pay more than the dollar amount per day

shown on the Policy Declarations.

If an insured auto is disabled by a collision or

comprehensive loss, coverage starts the day of the

loss. If the entire insured auto is stolen, coverage

Page 16

begins the day you report the theft to us. If an

insured auto is driveable, coverage starts the day

the auto is taken to the garage for repairs.

Coverage ends when whichever of the following

occurs first:

1. if an insured auto is disabled by a collision or

comprehensive loss, completion of the repairs

or replacement of the auto;

2. if an insured auto is stolen, when we offer

settlement or your auto is returned to use; or

3. thirty full days of coverage.

Sound System Coverage

Coverage ZA

If a premium is shown on the Policy Declarations

for Sound System Coverage, Allstate will pay for

loss to a sound system.

Sound System Coverage applies only if Auto

Comprehensive Insurance is in effect under this

policy. This coverage makes sound systems, and

antennas or other apparatus used specifically with

them, insured property under the terms of both

collision and comprehensive insurance. The limit

of our liability is shown on the Policy Declarations.

Tape Coverage

Coverage ZZ

If a premium is shown on the Policy Declarations

for Tape Coverage, Allstate will pay for loss to any

tapes, compact discs or similar items used with

auto sound systems. Coverage applies to property

owned by you or a resident relative that is in or

upon your insured auto at the time of the loss. The

total limit of our liability for each loss is shown on

the Policy Declarations.

This coverage applies only if you have Auto

Comprehensive Insurance under the policy. Tape

Coverage makes tapes, compact discs, or similar

items insured property under your Auto

Comprehensive Insurance.

Additional Payments Allstate Will Make

Under Part 4

1. Allstate will pay up to $200 for loss of

clothing and personal luggage, including its

contents, belonging to you or a resident

relative while it is in or upon your insured

auto. This provision does not apply if the

insured auto is a travel-trailer.

This coverage applies only when:

a. the loss is caused by collision and you

have purchased Auto Collision

Insurance;

b. the entire auto is stolen, and you have

purchased Auto Comprehensive

Insurance; or

c. physical damage is done to the auto and

to the clothing and luggage caused by

earthquake, explosion, falling objects,

fire, lightning or flood and you have

purchased Auto Comprehensive

Insurance.

The amount stated under paragraph 1 above

is the maximum we will pay, regardless of the

number of vehicles insured.

2. If you have purchased Auto Collision or Auto

Comprehensive Insurance under this policy,

Allstate will pay general average and salvage

charges imposed when your insured auto is

being transported.

Additional Definitions For Part 4

1. "Camper Unit" means a demountable unit

designed to be used as temporary living

quarters, including all equipment and

accessories built into and forming a

permanent part of the unit. A camper unit

does not include:

a. caps, tops, or canopies designed for use

as protection of the cargo area of a utility

auto; or

b. radio or television antennas, awnings,

cabanas, or equipment designed to

create additional off- highway living

facilities.

2. "Insured Person(s)" means:

a. While using your insured auto:

i. you,

ii. any resident,

iii. and any other person using it with

your permission.

b. While using a non-owned auto:

i. you, and

ii. any resident relative.

Page 17

3. "Motor Home" means a self-propelled vehicle

equipped, designed or used as a living

quarters.

4. "Sound System" means any device

permanently installed inside your insured

auto by bolts, brackets, or other similar

means designed for:

a. voice or video transmission, or for voice

or video reception; or

b. recording or playing back recorded

material; or

c. supplying power to cellular or similar

telephone equipment,

and which is installed in a location other than

the one designed by the auto's manufacturer

for that device.

A sound system also includes antennas or

other apparatus in or on your insured auto

used specifically with that system, if

permanently installed. Apparatus does not

include sound reproducing media such as

compact discs or cassette tapes. A sound

system does not include any equipment that

is externally exposed except for antennas.

5. “Travel-trailer" means a trailer of the house,

cabin or camping type equipped or used as a

living quarters.

Losses We Do Not Cover Under

Coverages DD, HH, JJ, LID, RC, UU, ZA,

and ZZ

We do not cover loss to the property described in

Coverage DD ― Auto Collision Insurance,

Coverage HH ― Auto Comprehensive Insurance,

Coverage JJ ― Towing and Labor Costs, Coverage

LG―- Lease Or Loan Gap Coverage, Coverage RC

― Repair Or Replacement Cost Coverage,

Coverage UU ― Rental Reimbursement Coverage,

Coverage ZA ― Sound System Coverage, and

Coverage ZZ ― Tape Coverage, consisting of or

caused by:

1. property damage intended by, or reasonably

expected to result from the intentional or

criminal acts or omissions of, an insured

person. This exclusion applies even if:

a. an insured person lacks the mental

capacity to control or govern his or her

own conduct;

b. an insured person is temporarily insane

or temporarily lacks the mental capacity

to control or govern his or her conduct

or is temporarily unable to form any

intent to cause property damage;

c. such property damage is of a different

kind or degree than intended or

reasonably expected; or

d. such property damage is sustained by a

different person than intended or

reasonably expected.

This exclusion applies regardless of whether

an insured person is actually charged with, or

convicted of, a crime.

This exclusion precludes coverage for all

insured persons under the policy regardless

of whether the person seeking coverage

participated in any way in the intentional or

criminal acts or omissions.

2. property damage arising out of the use of any

auto used to carry persons or property for a

charge, or the use of any auto an insured

person is driving while available for hire by the

public. This exclusion does not apply to

shared-expense car pools.

3. any damage or loss to any non-owned auto

arising out of auto or motor vehicle business

operations such as repairing, servicing,

testing, washing, parking, storing, or selling

of autos or motor vehicles.

4. any damage or loss to any non-owned auto

with more than four wheels.

5. any damage or loss resulting from any act of

war, insurrection, rebellion or revolution.

6. any damage or loss due to radioactive

contamination.

7. any damage or loss resulting from:

a. wear and tear;

b. freezing; or

c. mechanical or electrical breakdown

unless the damage is the burning of wiring

used to connect electrical components, or the

result of other loss covered by this policy.

Page 18

8. loss to tires unless stolen or damaged by fire,

malicious mischief or vandalism. Coverage is

provided if the damage to tires occurs at the

same time and from the same cause as other

loss covered by this policy.

9. loss to any sound system within your insured

auto. Coverages under this Part also will not

apply to any apparatus in or on your insured

auto designed for use with that system. This

exclusion will not apply if you have purchased

Sound System Coverage.

10. loss to any tapes, compact discs or similar

items. This exclusion will not apply if you have

purchased Tape Coverage under this policy.

11. loss to a camper unit whether or not

mounted. This exclusion will not apply if the

camper unit is described on the Policy

Declarations.

12. loss to appliances, furniture, equipment and

accessories that are not built into or forming

a permanent part of a motor home or

travel-trailer.

13. loss to your motor home or travel-trailer

while rented to anyone else unless a specific

premium is shown on the Policy Declarations

for the rented vehicle.

14. loss arising out of participation in any

prearranged or organized racing or speed

contest or in practice or preparation for any

contest of this type.

15. confiscation or seizure by a government

authority.

16. loss due to conversion or embezzlement by

any person who has the vehicle due to any

rental, lease, lien or sales agreement.

17. home, office, store, display, or passenger

trailers, or travel-trailers. This exclusion will

not apply if the item is described on the Policy

Declarations.

18. any device that is designed for the detection

of radar or laser.

Payment Of Loss By Allstate

Allstate may pay for the loss in money, or may

repair or replace the damaged or stolen property at

our option. We may, at any time before the loss is

paid or the property is replaced, return at our own

expense any stolen property, either to you or at our

option to the address shown on the Policy

Declarations, with payment for any resulting

damage. We may take all or part of the property at

the agreed or appraised value. We may settle any

claim or loss either with you or the owner of the

property.

Appraisal

Both you and Allstate have a right to demand an

appraisal of the loss. Each will appoint and pay a

qualified appraiser. Other appraisal expenses will

be shared equally. The two appraisers, or a judge

of a court of record, will select an umpire. Each

appraiser will state the actual cash value and the

amount of loss. If they disagree, they'll submit their

differences to the umpire. A written agreement by

any two of these three persons will determine the

amount of the loss.

Limits Of Liability

Allstate's limit of liability is the lesser of:

1. the actual cash value of the property or

damaged part of the property at the time of the

loss, which may include a deduction for

depreciation; or

2. the cost to repair or replace the property or

part to its physical condition at the time of loss

using parts produced by or for the vehicle's

manufacturer, or parts from other sources,

including, but not limited to, non-original

equipment manufacturers subject to

applicable state laws and regulations; or

3. $500, if the loss is to a covered trailer not

described on the Policy Declarations.

Any applicable deductible amount is then

subtracted.

If Allstate, at its option, elects to pay for the cost to

repair or replace the property or part, Allstate's

liability does not include any decrease in the

property's value, however measured, resulting

from the loss and/or repair or replacement. If repair

or replacement results in the betterment of the

property or part, you may be responsible, subject

to applicable state laws and regulations, for the

amount of the betterment.

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An auto and attached trailer are considered

separate autos, and you must pay the deductible, if

any, on each. Only one deductible will apply to an

auto with a mounted camper unit. If unmounted, a

separate deductible will apply to the auto and

camper unit.

When more than one coverage is applicable to the

loss, you may recover under the broadest coverage

but not both. However, any Sound System

Coverage deductible will always apply.

Limits Of Liability Under Lease Or Loan

Gap Coverage

If the Policy Declarations indicates a premium

charge for Lease Or Loan Gap Coverage, our limit

of liability with respect to that coverage is the

amount you owe under the terms of the auto lease

or loan agreement to which the auto described on

the Policy Declarations is subject. The amount

payable will be reduced by:

1. overdue payments and the financial penalties

associated with those payments;

2. the transfer or rollover of a previous

outstanding lease or loan balance from

another vehicle to the original lease or loan for

the auto described on the Policy Declarations;

3. the dollar amount of unrepaired damage which

occurred prior to the total loss of your

auto, and

4. all refunds paid or payable to you as a result

of the early termination of the lease or loan

agreement or, to the extent financed, as a

result of the early termination of any warranty

or extended service agreement on your auto.

Limits Of Liability Under Repair Or

Replacement Cost Coverage

If the Policy Declarations indicates a premium

charge for Repair Or Replacement Cost Coverage

(Coverage RC), it will be our option to pay to repair

or replace the auto to which Coverage RC applies

as shown on the Policy Declarations for a covered

loss, subject to the applicable Auto Collision

Insurance or Auto Comprehensive Insurance

deductible, but without a deduction for

depreciation.

However, the most we will pay for the loss will be

the lesser of the:

a. Cost of repair or replacement of the property

or part using parts manufactured by or for the

vehicle's manufacturer or parts from other

sources, including, but not limited to,

non-original equipment manufacturers as

permitted by state laws and regulations.

b. Cost of a new auto of the same make and

model with the same equipment. If an auto of

the same make and model with the same

equipment is not available, the new auto must

be of similar size, class, body type and

equipment. A new auto is an auto that has not

been previously titled and is of the latest

model year available at the time of the loss.

We reserve the right to repair, or to replace the

damaged property or to pay for the loss in money.

This coverage does not apply to loss caused by

fire, theft, larceny or flood.

In no event, shall an insured person be entitled to

recover under both Repair Or Replacement Cost

Coverage and Auto Collision Insurance or Repair

Or Replacement Cost Coverage and Auto

Comprehensive Insurance.

If There Is Other Insurance

If there is other insurance covering the loss at the

time of the accident, we will pay only our share of

any damages. Our share is determined by adding

the limits of this insurance to the limits of all other

insurance that applies on the same basis and

finding the percentage of the total that our limits

represent.

When this insurance covers a substitute auto or

non-owned auto, we will pay only after all other

collectible insurance has been exhausted.

When this insurance covers a replacement auto

or additional auto, this policy won't apply if you

have other collectible insurance.

Lease Or Loan Gap Coverage is excess over any

other collectible insurance.

No Benefit To Bailee

This insurance will not benefit any person or

organization who may be caring for or handling

your property for a fee.

Loss Payable Clause

If a lienholder is shown on the Policy Declarations,

we may pay loss under this policy to you and to the

lienholder as its interest may appear. The

lienholder's interest will not be voided by:

Page 20

1. any act or neglect of the owner of the auto; or

2. any change in title or ownership of the auto if

the lienholder notifies us within 10 days.

The lienholder must notify us of any known

increase in hazard. The lienholder must pay, at our

request, the premium for any increase in hazard;

otherwise this policy will be void.

We may cancel this policy according to its terms.

Cancellation will also be effective with respect to

the lienholder's interest. We may also cancel this

clause of the policy. In either event, we will mail 10

days notice to the lienholder. Our mailing of notice

will be proof of notice.

If you do not submit proof of loss within the time

specified in this policy, the lienholder must do so

within 60 days. Proof of loss must be submitted in

the form and manner specified in the "What To Do

If There Is A Loss" provision in the "General

Provision" section of this policy. The lienholder will

be subject to provisions relating to appraisal, time

of payment, and bringing suit.

When we make payment to the lienholder for loss

under this policy, we will be subrogated to the

rights of the party we pay, to the extent of our

payment. When we pay a lienholder for a loss for

which you are not covered, we are entitled to the

lienholder's right of recovery against you to the

extent of our payment. We have the option to pay

the lienholder the entire amount due or which will

become due on the mortgage or other security

agreement with interest and receive full assignment

and transfer of the mortgage or security

agreement. Our right to subrogation will not impair

the lienholder's right to recover the full amount of

its claim