S A M P L E D O C U M E N T Allstate Auto Insurance Policy

Allstate

Auto Insurance

Policy

Policy:

Issued to:

Effective:

AU127-1

Allstate Insurance Company

TABLE OF CONTENTS

General ..................................................2

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

Changes ...................................................................2

Duty To Report Autos ..............................................2

Combining Limits Of Two Or More Autos

Prohibited .................................................................2

Transfer ....................................................................2

Cancellation ..............................................................2

Part 1

Automobile Liability Insurance

Coverages AA and BB ..................... 3

Insuring Agreement .................................................3

Additional Payments Allstate Will Make .................. 3

Insured Persons ......................................................4

Insured Autos ..........................................................4

Definitions ................................................................4

Exclusions

What is not covered ......................... 4

Financial Responsibility ...........................................5

Limits Of Liability .....................................................5

If There Is Other Insurance ......................................5

Assistance And Cooperation ...................................5

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

What To Do In Case Of An Auto Accident Or Claim 6

Part 2

Automobile Medical Payments

Coverage CC ................................ 6

Insuring Agreement .................................................6

Insured Persons ......................................................6

Insured Autos ..........................................................6

Definitions ................................................................7

Exclusions

What is not covered ......................... 7

Limits Of Liability .....................................................7

Unreasonable of Unnecessary Medical Expenses .. 8

If There Is Other Insurance ......................................8

Assistance And Cooperation ...................................8

Action Against Allstate .............................................8

Proof Of Claim; Medical Reports .............................8

Part 3

Automobile Death Indemnity Insurance

Coverage CM ................................ 8

Insuring Agreement .................................................8

Insured Persons ......................................................8

Definitions ................................................................9

Exclusions

What is not covered ......................... 9

Payment Of Benefits; Autopsy .................................9

Consent Of Beneficiary ............................................9

Proof of Claim; Medical Reports .............................9

Part 4

Automobile Disability Income Protection

Coverage CW ...............................9

Insuring Agreement .................................................9

Insured Persons ......................................................9

Definitions ................................................................9

Exclusions

What is not covered ......................... 9

To Whom And When Payment Is Made ............... 10

Proof Of Claim; Medical Reports ...........................10

Part 5

Uninsured Motorists Insurance

Coverage SS .............................. 10

Insuring Agreement ...............................................10

Insured Persons ....................................................10

Definitions ..............................................................11

Exclusions

What is not covered ....................... 11

Limits Of Liability ...................................................11

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

Proof Of Claim; Medical Reports ...........................12

Assistance And Cooperation .................................12

Trust Agreement ....................................................12

Payment Of Loss By Allstate .................................12

Action Against Allstate ...........................................12

If We Cannot Agree ................................................13

Part 6

Protection Against Loss To The Auto

Coverages DD, DE, HH, HE, HF, HG,

JJ, UU, ZA, ZZ ............................ 13

Insuring Agreements For Each Coverage ............. 13

Additional Payments Allstate Will Make ................ 14

Insured Autos ........................................................15

Definitions ..............................................................15

Exclusions

What is not covered ....................... 16

Right To Appraisal .................................................16

Payment Of Loss By Allstate .................................16

Limits Of Liability ...................................................17

If There Is Other Insurance ....................................17

Action Against Allstate ...........................................17

Subrogation Rights ................................................17

What You Must Do If There Is A Loss .................. 17

Page 1

Allstate Insurance Company

The Company Named in the Policy Declarations

A Stock Company

Home Office: Northbrook, Illinois

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. 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.

When And Where The Policy Applies

Your policy applies only during the policy period.

During this time, it applies to losses to the auto,

accidents and occurrences within the United States

of America, its territories or possessions or Canada,

or between their ports. The policy period is shown

on the Policy Declarations.

Changes

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

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

contained in our rules. These 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.

5. discount eligibility.

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 Autos

You must tell us within 60 days when you acquire an

additional or replacement auto. If you don’t, certain

coverages of this policy may not apply.

COMBINING LIMITS OF TWO OR MORE

AUTOS PROHIBITED

IF YOU HAVE TWO OR MORE AUTOS INSURED IN

YOUR NAME AND ONE OF THESE AUTOS IS

INVOLVED IN AN ACCIDENT, ONLY THE COVERAGE

LIMITS SHOWN ON THE POLICY DECLARATIONS

FOR THAT AUTO WILL APPLY. WHEN YOU HAVE

TWO OR MORE AUTOS INSURED IN YOUR NAME

AND NONE OF THEM IS INVOLVED IN THE

ACCIDENT, YOU MAY CHOOSE ANY SINGLE AUTO

SHOWN ON THE POLICY DECLARATIONS AND THE

COVERAGE LIMITS APPLICABLE TO THAT AUTO

WILL APPLY.

THE LIMITS AVAILABLE FOR ANY OTHER AUTO

COVERED BY THE POLICY WILL NOT BE ADDED TO

THE COVERAGE FOR THE INVOLVED OR CHOSEN

AUTO.

Transfer

This policy can’t be transferred to anyone without our

written consent. However, if you die, coverage will

be provided until the end of the policy period for:

1. your legal representative while acting as such,

and

2. persons covered on the date of your death.

Cancellation

You may cancel this policy by writing us the future

date you wish to stop coverage.

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

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Allstate Insurance Company

than non-payment of premium, we will give you

notice as follows:

1. During the first 60 days the original policy is in

effect, we will give you at least 10 days notice of

cancellation.

2. After the first 60 days, we will give you 30 days

notice of cancellation.

Proof of mailing the notice will be proof of notice. A

refund, if due, will be proportional to the time your

policy has been in effect, but cancellation will be

effective even if the refund is not made immediately.

After your original policy has been in effect 60 days,

Allstate won’t cancel your policy unless:

1. you don’t pay the premium when it’s due;

2. you or any member of your household are

convicted of a crime due to acts which increase

the hazard we insure against;

3. Fraud or material misrepresentation is used in

obtaining the policy or making a claim;

4. An act or omission, or a violation of any

condition of the policy, occurs during the policy

period which substantially and materially

increases the hazard we insure against;

5. A material change in the nature or extent of the

risk occurs during the policy period which

causes the risk of loss to be substantially and

materially increased; or

6. Allstate has mailed notice within the first 60

days that we don’t intend to continue the policy.

If we don’t intend to continue the policy beyond the

current policy period, we will mail you notice at least

30 days before the end of the policy period.

Part 1

Automobile Liability Insurance

Bodily Injury

Coverage AA

Property Damage

Coverage

Allstate will pay for damages 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.

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 defend an insured person sued for damages

which are covered by this policy, even if the suit is

groundless or false. 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 which are not covered by this policy.

Additional Payments Allstate Will Make

When we defend an insured person under this part,

we will pay

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

ask that person to attend hearings or trials to

defend against a bodily injury suit. 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 damages awarded. We will

pay this interest only until we have paid, offered,

or deposited in court the amount for which we

are liable under this policy. We will only pay

interest on damages not exceeding our limits of

liability.

4. premiums on appeal bonds and on bonds to

release attachments, but not in excess of our

limit of liability. We aren’t required to apply for

or furnish these bonds.

We will repay an insured person for

1. the cost of any bail bonds required due to an

accident or traffic law violation involving the use

of the insured auto. We won’t pay more than

$300 per bond. We aren’t required to apply for

or furnish these bonds.

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Allstate Insurance Company

2. any expense incurred for first aid to others at the

time of an auto accident involving the insured

auto.

Insured Persons

1. While using your insured auto:

a) you,

b) any resident, and

c) any other person using it with your

permission.

2. While using a non-owned auto:

a) you,

b) any resident relative using a four wheel

private passenger auto or utility auto.

3. Any other person or organization liable for the

use of an insured auto if the auto is not owned

or hired by this person or organization provided

the use is by an insured person under 1. or 2.

above.

Insured Autos

1. Any auto described on the Policy Declarations.

This includes the four wheel private passenger

auto or utility auto you replace it with.

2. An additional four wheel private passenger auto

or utility auto you become the owner of during

the policy period. This auto willbe covered if we

insure all other private passenger autos or utility

autos you own. You must, however, tell us

within 60 days of acquiring the auto. You must

pay any additional premium.

3. A substitute four wheel private passenger auto

or utility auto, not owned by you or a resident,

being temporarily used while your insured auto

is being serviced or repaired, or if your insured

auto is stolen or destroyed.

4. A non-owned auto used by you or a resident

relative with the owner’s permission. This auto

must not be available or furnished for the regular

use of an insured person.

5. A trailer while attached to an insured auto. The

trailer must be designed for use with a private

passenger auto or utility auto. This trailer can’t

be used for business purposes with other than a

private passenger auto or utility auto.

Definitions

1. "Allstate", "We", "Us", or "Our"

means the

Allstate Insurance Company or Allstate

Indemnity Company as shown on the Policy

Declarations.

2. "Auto"

means a land motor vehicle designed

for use on public roads.

3. "Bodily Injury"

means bodily injury, sickness,

disease or death.

4. "Resident"

means a person who physically

resides in your household with the intention of

continuing residence there. Your unmarried

dependent children while temporarily away from

home will be considered residents if they intend

to resume residing in your household.

5. "Utility Auto"

means an auto of the pick-up

body, sedan delivery or panel truck type. This

auto must have a rated load capacity of not more

than 2,000 pounds.

6. "You" or "Your"

means the policyholder

named on the Policy Declarations and that

policyholder’s resident spouse.

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 arising out of

the use of your insured auto while used to carry

persons or property for a charge, or any auto

you are driving while available for hire by the

public to the extent that the limits of liability for

this coverage exceed the limits of liability

required by the Nevada financial responsibility

law. This exclusion does not apply to shared

expense car pools.

2. bodily injury or property damage arising out of

the use of a non-owned auto in any business or

occupation of an insured person to the extent

that the limits of liabilityfor this coverage exceed

the limits of liability required by the Nevada

financial responsibility law. However, this

exclusion does not apply while you, your

chauffeur, or domestic servant are using a

private passenger auto or trailer.

3. bodily injury to an employee of any insured

person arising in the course of employment.

This exclusion does not apply to your domestic

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Allstate Insurance Company

employee who is not required to be covered by

a workers compensation law or similar law.

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

course of employment. This exclusion does not

apply to you.

5. bodily injury to you or any resident of your

household related to you by blood, marriage, or

adoption to the extent that the limits of liability

for this coverage exceed the limits of liability

required by the Nevada financial responsibility

law.

6. damage to or destruction of property an insured

person owns, transports, is in charge of, or

rents. However, a private residence or a garage

rented by that person is covered.

7. bodily injury or property damage which may

reasonably be expected to result from the

intentional acts of an insured person or which

are in fact intended by an insured person to the

extent that the limits of liability for this coverage

exceed the limits of liability required by the

Nevada financial responsibility law.

8. bodily injury or property damage which would

also be covered under nuclear energy liability

insurance to the extent that the limits of liability

for this coverage exceed the limits of liability

required by the Nevada financial responsibility

law. This applies even if the limits of that

insurance are exhausted.

Financial Responsibility

When this policy is certified as proof under any

motor vehicle financial responsibility law, this 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 AUTO ACCIDENT. THE LIMIT

STATED FOR EACH PERSON FOR BODILY INJURY IS

OUR TOTAL LIMIT OF LIABILITY FOR DAMAGES

BECAUSE OF BODILY INJURY SUSTAINED BY ONE

PERSON IN ANY SINGLE AUTO ACCIDENT,

INCLUDING DAMAGES SUSTAINED BY ANYONE

ELSE AS A RESULT OF THAT BODILY INJURY.

SUBJECT TO THE LIMIT FOR EACH PERSON, THE

LIMIT STATED FOR EACH OCCURRENCE IS OUR

TOTAL LIMIT OF LIABILITY FOR DAMAGES FOR

BODILY INJURY SUSTAINED BY TWO OR MORE

PERSONS IN ANY SINGLE AUTO ACCIDENT. FOR

PROPERTY DAMAGE, THE LIMIT APPLIES TO

DAMAGES ARISING FROM EACH OCCURRENCE.

THE LIABILITY LIMITS APPLY TO EACH INSURED

AUTO AS SHOWN ON THE POLICY DECLARATIONS.

THE INSURING OF MORE THAN ONE PERSON OR

AUTO UNDER THIS POLICY WILL NOT INCREASE

OUR LIABILITY LIMITS BEYOND THE AMOUNT

SHOWN FOR ANY ONE AUTO, EVEN THOUGH A

SEPARATE PREMIUM IS CHARGED FOR EACH

AUTO. THE LIMITS ALSO WON’T BE INCREASED IF

YOU HAVE OTHER AUTO INSURANCE POLICIES

THAT APPLY.

THERE WILL BE NO DUPLICATION OF PAYMENTS

MADE UNDER THE BODILY INJURY LIABILITY

COVERAGE, UNINSURED MOTORISTS COVERAGE

AND MEDICAL PAYMENTS COVERAGE OF THIS

POLICY.

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 AN INSURED PERSON IS USING A SUBSTITUTE

PRIVATE PASSENGER AUTO OR NON-OWNED

AUTO, OUR LIABILITY INSURANCE WILL BE

EXCESS OVER OTHER COLLECTIBLE 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.

THIS INSURANCE WILL BE EXCESS OVER ANY

INSURANCE COVERING AN AUTOMOBILE

BUSINESS WHILE YOUR INSURED AUTO IS BEING

OPERATED BY A PERSON ENGAGED IN THAT

AUTOMOBILE BUSINESS. AN AUTOMOBILE

BUSINESS INCLUDES REPAIRING, SERVICING,

TESTING, WASHING, PARKING, STORING,

DELIVERING OR SELLING OF AUTOS.

Assistance And Cooperation

When we ask, 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.

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Allstate Insurance Company

We can’t be obligated 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.

Action Against Allstate

No insured person may sue us under this coverage

unless there is full compliance with all the policy

terms.

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.

The bankruptcy or insolvency of an insured person

or that person’s estate won’t relieve us of any

obligation.

What To Do In Case Of An Auto Accident Or

Claim

If an insured person has an auto accident, we must

be informed promptly of all details. If an insured

person is sued as the result of an auto accident, we

must be informed immediately.

Part 2

Automobile Medical Payments

Coverage CC

Allstate will pay to or on behalf of an insured person

all reasonable expenses actually incurred by an

insured person for necessary medical treatment,

services, or products actually provided to the insured

person. Payments will be made only when bodily

injury, sickness, disease, or death is caused by an

auto accident. Ambulance, hospital, medical,

surgical, X-ray, dental, orthopedic and prosthetic

devices, professional nursing services,

pharmaceuticals, eyeglasses, hearing aids, and

funeral service expenses are covered.

The treatment, services, or products must be

rendered within one year after 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.

Insured Persons

1. You and any resident relative who sustains

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

or when struck by, an auto or trailer. The use of

a non-owned auto must be with the owner’s

permission.

2. Any other person who sustains bodily injury

while in, on, getting into or out of

a) your insured auto while being used by you,

a resident relative, or any other person with

your permission.

b) a non-owned auto if the injury results from

your operation or occupancy.

c) a non-owned auto if the injury results from

the operation on your behalf by your private

chauffeur or domestic servant.

d) a non-owned private passenger auto or

trailer if the injury results from the operation

or occupancy by a resident relative.

The use of non-owned autos must be with the

owner’s permission.

Insured Autos

1. Any auto described on the Policy Declarations.

This includes the four wheel private passenger

auto or utility auto you replace it with.

2. An additional four wheel private passenger auto

or utility auto you become the owner of during

the policy period. This auto willbe covered if we

insure all other private passenger autos or utility

autos you own. You must, however, tell us

within 60 days of acquiring the auto. You must

pay any additional premium.

3. A substitute four wheel private passenger auto

or utility auto, not owned by you or a resident,

temporarily used while your insured auto is

being serviced or repaired, or if your insured

auto is stolen or destroyed.

4. A non-owned auto having not less than four

wheels used with the owner’s permission. This

auto must not be available or furnished for the

regular use of an insured person.

5. A trailer while attached to an insured auto. The

trailer must be designed for use with a private

passenger auto or utility auto. This trailer can’t

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Allstate Insurance Company

be used for business purposes with other than a

private passenger auto or utility auto.

Definitions

1. "Allstate", "We", "Us", or "Our"

means the

Allstate Insurance Company or Allstate

Indemnity Company as shown on the Policy

Declarations.

2. "Auto"

means a land motor vehicle designed

for use on public roads.

3. "Resident"

means a person who physically

resides in your household with the intention of

continuing residence there. Your unmarried

dependent children while temporarily away from

home will be considered residents if they intend

to resume residing in your household.

4. "Utility Auto"

means an auto of the pickup

body, sedan delivery or panel truck type. This

auto must have a rated load capacity of not more

than 2,000 pounds.

5. "You" or "Your"

means the policyholder

named on the Policy Declarations and that

policyholder’s resident spouse.

Exclusions

What is not covered

This coverage does not apply to bodily injury,

sickness, disease or death to

1. you or a resident relative while in, on, getting

into or out of an auto you or a resident relative

own but do not insure for this coverage.

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

into or out of, 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 off public roads, while not on public

roads.

3. any person while in, on, getting into or out of:

a) an owned auto while available for hire to the

public. This exclusion does not apply to

shared-expense car pools.

b) an auto or trailer while used as a residence

or premises.

4. any person, other than you or a resident relative,

while using a non-owned auto:

a) which is available for hire by the public, or

b) in auto business operations such as

repairing, servicing, testing, washing,

parking, storing or selling of autos.

Coverage is provided for you, your private

chauffeur or domestic servant while using a

private passenger auto or trailer in any other

business or occupation.

5. any person resulting from any act of war,

insurrection, rebellion, or revolution.

LIMITS OF LIABILITY

THE LIMIT SHOWN ON THE POLICY DECLARATIONS

IS THE MAXIMUM WE WILL PAY FOR ALL

EXPENSES INCURRED BY OR FOR EACH INSURED

PERSON AS THE RESULT OF ANY ONE AUTO

ACCIDENT.

THE MEDICAL PAYMENTS LIMIT APPLIES TO EACH

INSURED AUTO AS STATED ON THE POLICY

DECLARATIONS. THE INSURING OF MORE THAN

ONE PERSON OR AUTO UNDER THIS POLICY WILL

NOT INCREASE OUR LIMIT BEYOND THE AMOUNT

SHOWN FOR ANY ONE AUTO, EVEN THOUGH A

SEPARATE PREMIUM IS CHARGED FOR EACH

AUTO. THE LIMIT ALSO WILL NOT BE INCREASED

IF YOU HAVE OTHER AUTO INSURANCE POLICIES

THAT APPLY.

If an insured person dies as the result of a covered

auto accident, we will pay the least of the following

as a funeral service 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 limits

of liability stated on the Policy Declarations for

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 if that parent 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.

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Allstate Insurance Company

THERE WILL BE NO DUPLICATION OF PAYMENTS

MADE UNDER THE BODILY INJURY LIABILITY AND

AUTOMOBILE MEDICAL PAYMENTS COVERAGES

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. THE DAMAGES PAYABLE UNDER

THE BODILY INJURY LIABILITY COVERAGE OF THIS

POLICY WILL BE REDUCED BY THAT AMOUNT.

Unreasonable Or Unnecessary Medical

Expenses

If the insured person incurs medical expenses which

are unreasonable or unnecessary, we may refuse to

pay for those expenses and contest them.

Unreasonable medical expenses are fees for medical

services which are substantially higher than the usual

and customary charges for those services.

Unnecessary medical expenses are fees for medical

services which are not usually and customarily

performed for treatment of the injury, including fees

for an excessive number, amount, or duration of

medical services.

If the insured person is sued by a medical services

provider because we refuse to pay contested medical

expenses, we will pay all defense costs and any

resulting judgment against the insured person. 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.

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.

Assistance And Cooperation

When we ask, 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 can’t be obligated if an insured person voluntarily

takes any action or makes any payments other than

for covered expenses for first aid to others.

Action Against Allstate

No one may sue us under this coverage unless there

is full compliance with all the policy terms.

Proof Of Claim; Medical Reports

As soon as possible, any person making claim must

give us written proof of claim. It must include all

details we may need to determine the amounts

payable. We may also require any person making

claim to submit to questioning under oath and sign

the transcript.

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.

Part 3

Automobile Death Indemnity

Insurance

Coverage CM

Allstate will pay the benefit shown on the Policy

Declarations if an insured person dies as a direct

result of bodily injury, sickness or disease caused

by an auto accident. The injury must be sustained

while the insured person is in, on, getting into or out

of, or when struck as a pedestrian by an auto, trailer

or semi-trailer.

Benefits will be paid only if:

1. death occurs within 90 days of the auto

accident; or

2. death occurs within 1 year of the auto accident

and the bodily injury has continuously prevented

the insured person from performing all duties

pertaining to that person’s occupation.

Insured Persons

The person or persons shown as insured on the

Policy Declarations under Coverage CM.

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Allstate Insurance Company

Definitions

"Allstate", "We", or "Us"

means the Allstate

Insurance Company or Allstate Indemnity Company

as shown on the Policy Declarations.

"Auto"

means a land motor vehicle designed for

use on public roads.

Exclusions

What is not covered

This coverage does not apply to death:

1. sustained in the course of an occupation by any

person while:

a) operating, loading, unloading, assisting on,

or performing any other duties related to the

use of a commercial auto, or an auto hired

or rented to others for a charge.

b) repairing or servicing autos, including any

related duties.

2. due to suicide committed while sane or insane.

3. due to any act of war, insurrection, rebellion, or

revolution.

4. sustained while in, on, getting into or out of, or

when struck as a pedestrian by

a) a vehicle operated on rails or

crawler-treads;

b) a vehicle or other equipment designed for

use off public roads, while not on public

roads; or

c) a vehicle when used as a residence or

premises.

Payment Of Benefits; Autopsy

The benefit is payable to the deceased insured

person’s spouse. The spouse must be a resident of

the same household as the insured person at the

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

minor, the benefit is payable to either parent. That

parent must be a resident of the same household as

the minor at the time of the accident. In all other

cases, the benefit is payable to the deceased insured

person’s estate.

Allstate has the right and must be given the

opportunity to make an autopsy where it is not

prohibited by law.

Consent Of Beneficiary

The beneficiary’s consent is not required for

cancellation, assignment, change of beneficiary, or

any other change under this coverage.

Proof Of Claim; Medical Reports

As soon as possible, we must be given written proof

of claim. It must include all details we may need to

determine if benefits are payable.

We must be given authorization to obtain medical

reports and copies of records pertinent to the claim.

Part 4

Automobile Disability Income

Protection

Coverage CW

Allstate will pay the weekly benefit shown on the

Policy Declarations if an insured person sustains

continuous total disability as a direct result of bodily

injury, sickness or disease caused by an auto

accident. The injury must be sustained while in, on,

getting into or out of, or when struck as a pedestrian

by an auto, trailer or semi-trailer.

Benefits will be paid only while the insured person is

alive and only if the disability:

1. commences within 20 days of the date of the

accident; and

2. during the first year after commencement,

continuously prevents the insured person from

performing all duties pertaining to that person’s

occupation; and

3. during the second and subsequent years after

commencement, continuously prevents the

insured person from engaging in any occupation

or employment for wage or profit.

Insured Persons

The person or persons shown as insured on the

Policy Declarations under Coverage CW.

Definitions

1. "Allstate", "We", or "Us"

means the Allstate

Insurance Company or Allstate Indemnity

Company as shown on the Policy Declarations.

2. "Auto"

means a land motor vehicle designed

for use on public roads.

Exclusions

What is not covered

This coverage does not apply to disability:

1. sustained in the course of an occupation by any

person while:

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Allstate Insurance Company

a) operating, loading, unloading, assisting on,

or performing any other duties related to the

use of a commercial auto, or an auto hired

or rented to others for a charge.

b) repairing or servicing autos, including any

related duties.

2. due to any attempt at suicide while sane or

insane.

3. due to any act of war, insurrection, rebellion or

revolution.

4. sustained while in, on, getting into or out of, or

when struck as a pedestrian by

a) a vehicle operated on rails or

crawler-treads;

b) a vehicle or other equipment designed for

use off public roads, while not on public

roads; or

c) a vehicle when used as a residence or

premises.

To Whom And When Payment Is Made

Weekly benefits are payable to the disabled insured

person. Accrued weekly benefits are payable every

four weeks. Any remaining balance is payable at

termination of the disability period. Benefits end

upon the death of the insured person.

Proof Of Claim; Medical Reports

As soon as possible, any person making claim must

give us written proof of claim.

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 copies of

records pertinent to the claim.

Part 5

Uninsured Motorists Insurance

Coverage SS

We will pay damages because of bodily injury which

an insured person is legally entitled to recover from

the owner or operator of an uninsured auto. 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.

The right to benefits and the amount payable will be

decided by agreement between the insured person

and Allstate. If an agreement can’t be reached, the

decision may be made by arbitration.

If an insured person sues a person believed

responsible for the accident without giving us notice

so as to give us adequate time to intervene in a

lawsuit, we aren’t bound by any resulting judgment.

Insured Persons

1. You and any relative who resides in your

household.

2. Any other person while in, on, getting into or out

of your insured auto with your permission.

3. Any other person who is legally entitled to

recover because of bodily injury to you, a

relative who resides in your household, or an

occupant of your insured auto with your

permission.

An insured auto is a motor vehicle:

1. described on the Policy Declarations and the

motor vehicle you replace it with.

2. you acquire ownership of during the policy

period. This additional motor vehicle will be

covered if Allstate insures all other private

passenger motor vehicles you own. You must,

however, notify Allstate within 60 days after you

acquire the motor vehicle and you must pay any

additional premium.

3. not owned by you or a relative who resides in

your household, being temporarily used while

your insured auto is being serviced or repaired,

or if your insured auto is stolen or destroyed.

The motor vehicle must be used with the

owner’s permission. It can’t be furnished for the

regular use of you or any relative who resides in

your household.

4. not owned by you or a relative who resides in

your household, being operated by you with the

owner’s permission. The motor vehicle can’t be

furnished for the regular use of you or any

relative who resides in your household.

5. not made available for public hire by an insured

person.

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Allstate Insurance Company

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 for which the insurer denies

coverage, or the insurer becomes insolvent.

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

bodily injury to an insured person by physical

contact 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 or cannot be found. The accident

must be reported as soon as possible 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 the

right to inspect it.

4. an underinsured motor vehicle which has

liability protection in effect and applicable at the

time of the accident but less than the applicable

damages the insured person is legally entitled to

recover. However, an underinsured motor

vehicle is not an insured auto as defined under

this coverage.

5. a motor vehicle for which no evidence of

financial responsibility is supplied to the

Department of Motor Vehicles within 60 days

after the accident occurs.

An uninsured auto is not:

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

2. a motor vehicle owned by any federal, state, or

local government or agency.

3. a motor vehicle insured for bodily injury under

Part 1 of this policy.

Definitions

1. "Allstate", "We", "Us", or "Our"

means the

Allstate Insurance Company or Allstate

Indemnity Company as shown on the Policy

Declarations.

2. "Bodily Injury"

means bodily injury, sickness,

disease, or death.

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.

4. "Resident" or "Reside"

means a person who

physically resides in your household with the

intention of continuing residence there. Your

unmarried dependent children while temporarily

away from home will be considered residents if

they intend to resume residing in your

household.

5. "You" or "Your"

means the insured person

named on the Policy Declarations and that

insured person’s resident spouse.

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 who makes a

settlement without our written consent.

2. bodily injury to anyone while in, on, getting into

or out of a motor vehicle you own which is

insured for this coverage under another policy.

3. bodily injury, if the payment would directly or

indirectly benefit any workers compensation or

disability benefits insurer including a self

insurer.

LIMITS OF LIABILITY

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

DAMAGES SUSTAINED BY ANYONE ELSE AS A

RESULT OF THAT BODILY INJURY.

2. "EACH ACCIDENT" IS THE MAXIMUM THAT WE

WILL PAY FOR DAMAGES ARISING OUT OF

BODILY INJURY TO TWO OR MORE PERSONS

IN ANY ONE MOTOR VEHICLE ACCIDENT. THIS

LIMIT IS SUBJECT TO THE LIMIT FOR "EACH

PERSON".

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Allstate Insurance Company

THESE LIMITS ARE THE MAXIMUM ALLSTATE

WILL PAY FOR ANY ONE MOTOR VEHICLE

ACCIDENT REGARDLESS OF THE NUMBER OF:

1. CLAIMS MADE;

2. VEHICLES OR PERSONS SHOWN ON THE

POLICY DECLARATIONS; OR

3. VEHICLES INVOLVED IN THE ACCIDENT.

DAMAGES PAYABLE WILL BE REDUCED BY

1. ALL AMOUNTS PAID BY 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 POLICY.

2. ALL AMOUNTS PAYABLE UNDER ANY

WORKERS COMPENSATION LAW, DISABILITY

BENEFITS LAW, OR SIMILAR LAW,

AUTOMOBILE MEDICAL PAYMENTS, OR ANY

SIMILAR AUTOMOBILE MEDICAL PAYMENTS

COVERAGE.

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.

IF THERE IS OTHER INSURANCE

IF THE INSURED PERSON WAS IN, ON, GETTING

INTO OR OUT OF A VEHICLE YOU DO NOT OWN

WHICH IS INSURED FOR THIS 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 THE OTHER INSURANCE HAS

BEEN EXHAUSTED.

IF MORE THAN ONE POLICY APPLIES TO THE

ACCIDENT ON A PRIMARY BASIS, THE TOTAL

BENEFITS PAYABLE TO ANY ONE PERSON WILL

NOT EXCEED THE MAXIMUM BENEFITS PAYABLE

BY THE POLICY WITH THE HIGHEST LIMIT FOR

UNINSURED MOTORISTS COVERAGE. WE WILL

BEAR OUR PROPORTIONATE SHARE WITH OTHER

UNINSURED MOTORISTS BENEFITS. THIS APPLIES

NO MATTER HOW MANY AUTOS OR AUTO

POLICIES MAY BE INVOLVED WHETHER WRITTEN

BY ALLSTATE OR ANOTHER COMPANY.

Proof Of Claim; Medical Reports

As soon as possible, you or any other person making

claim must give us written proof of claim, including

all details reasonably required by us to determine the

amounts payable. We may also require any person

making claim to submit to questioning under oath

and sign the transcript.

The insured person may be required to take medical

examinations by physicians selected by us, as often

as we reasonably require. The insured person or that

person’s representative must authorize us to obtain

medical reports and copies of records.

Assistance And Cooperation

We may require the insured person to take proper

action to preserve all rights to recover damages from

anyone responsible for the bodily injury.

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 name to recover damages from

any responsible party or insurer. We will select

the attorney. We will 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 injured minor, or to the

spouse of any insured person who dies. However,

we may pay any person or estate lawfully entitled to

recover the damages.

Action Against Allstate

No one may sue us under this coverage unless there

is full compliance with all the policy terms.

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Allstate Insurance Company

If We Cannot Agree

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

person’s right to receive damages on any claim

involving an amount of $3000 or less, the dispute will

be settled by arbitration.

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

person’s right to receive damages on any claim

involving an amount over $3000, then upon the

mutual consent of the insured person and Allstate

the disagreement may be settled by arbitration. The

insured person and we, however, must mutually

agree to arbitrate the disagreements. If the insured

person and we do not agree to arbitrate, then the

disagreement will be resolved in a court of competent

jurisdiction.

Unless the insured person or we object, arbitration

will take place under the rules of the American

Arbitration Association.

If either party objects to the use of the rules of the

American Arbitration Association, the following

alternative method of arbitration will be used. The

insured person will select one arbitrator and we will

select another. The two arbitrators will select a third.

If they can’t agree on a third arbitrator within 30 days,

the judge of the court of record in the county of

jurisdiction where arbitration is pending will appoint

the third arbitrator. The written decision of any two

arbitrators will determine the issues. Local rules

governing evidence and procedure will apply. The

insured person will pay the arbitrator that person

selects and we will pay the one we select. The

expense of the third arbitrator and all other expenses

of arbitration will be shared equally. However,

attorney fees and fees paid to medical or other expert

witnesses are not considered arbitration expenses

and are to be paid by the party incurring them.

Regardless of the method of arbitration, either party

has a right to a trial on all issues in a court of

competent jurisdiction. Costs, including attorney

fees, are to be paid by the party incurring them.

Part 6

Protection Against Loss To The

Auto

The following coverages apply when indicated on the

Policy Declarations. Additional payments, autos

insured, definitions, exclusions, and other

information applicable to all these coverages appear

beginning on page 14.

COVERAGE DD

Auto Collision Insurance

Allstate will pay for direct and accidental loss to your

insured auto or a non-owned auto (including insured

loss to an attached trailer) from a collision with

another object or by upset of that auto or trailer. The

deductible amount won’t be subtracted from the loss

payment in collisions involving your insured auto

and another auto insured by us.

COVERAGE DE

Diminishing Deductible Auto Collision

Insurance

If the loss is $100 or more, Allstate will pay for direct

and accidental loss to your insured auto or a

non-owned auto (including insured loss to an

attached trailer) from a collision with another object

or by upset of that auto or trailer. No deductible

applies to losses in excess of $100.

If the loss is between $50 and $100, you pay the

difference between the amount of loss and $100.

We will pay the rest of the loss up to our limits of

liability.

If the loss is $50 or less, we will not make any

payment.

The deductible amount will not be subtracted from

the loss payment in a collision involving your insured

auto and another auto insured by us, even if the loss

is $50 or less.

COVERAGE HH

Auto Comprehensive Insurance

Allstate will pay for direct and accidental loss to your

insured auto or a non-owned 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.

The deductible amount will not be subtracted from

the loss payment when the loss is caused by a peril

listed under Coverage HE.

By agreement between you and Allstate, the

deductible amount will not be subtracted from a

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Allstate Insurance Company

glass breakage loss if the glass is repaired rather

than replaced.

COVERAGE HE

Auto Fire, Lightning and Transportation

Insurance

Allstate will pay for direct and accidental loss to your

insured auto or a non-owned auto due to:

1. fire or lightning.

2. smoke or smudge due to a sudden, unusual and

faulty operation of any fixed heating equipment

serving the premises in which the auto is

located.

3. stranding, sinking, burning, collision or

derailment of any conveyance in or upon which

the auto is being transported on land or on

water.

COVERAGE HF

Auto Theft Insurance

Allstate will pay for direct and accidental loss to your

insured auto or a non-owned auto caused by theft

or larceny.

COVERAGE HG

Auto Fire, Lightning, Transportation and

Theft Insurance

Allstate will pay for direct and accidental loss to your

insured auto or a non-owned auto caused by any

peril listed under Coverages HE or HF above.

COVERAGE JJ

Towing And Labor Costs

Allstate will pay costs for labor done at the initial

place of disablement of your insured auto or a

non-owned auto. We will also pay for towing made

necessary by the disablement. The total limit of our

liability for each loss is shown on the Policy

Declarations.

COVERAGE UU

Rental Reimbursement Coverage

If you have collision or comprehensive coverage

under this policy and the loss involves either

coverage, Allstate will repay 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. We will not pay

mileage charges.

If your insured auto is stolen, payment for

transportation expenses will be made under the

terms of paragraph 3. of "Additional Payments

Allstate Will Make". However, the limits for this

coverage will apply if they exceed the limits stated

under "Additional Payments Allstate Will Make".

If your insured auto is disabled by a collision or

comprehensive loss, coverage starts the day after the

loss. If it is driveable, coverage starts the day after

the auto is taken to the garage for repairs.

Coverage ends when the first of the following occurs:

1. if the auto is disabled by a collision or

comprehensive loss, completion of repairs or

replacement of the auto;

2. if the auto is stolen, when we offer settlement or

your auto is returned to use; or

3. thirty full days of coverage.

COVERAGE ZA

Sound System Coverage

Allstate will pay for loss to a sound system

permanently installed in your auto by bolts, brackets

or other means, its antennas or other apparatus in or

on your auto used specifically with that system.

Coverage ZA applies only if 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.

COVERAGE ZZ

Tape Coverage

Allstate will pay for loss to any tapes or similar items

used with any auto sound systems. Coverage

applies to property you or a resident relative own

that is in or on your insured auto at the time of loss.

The total limit of our liability for each loss is shown

on the Policy Declarations.

This coverage applies only if you have

comprehensive insurance under this policy.

Coverage ZZ makes tapes or similar items insured

property under your comprehensive insurance.

Additional Payments Allstate Will Make

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

and personal luggage, including its contents,

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Allstate Insurance Company

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 collision insurance.

b) the entire auto is stolen, and you have

purchased comprehensive insurance.

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

comprehensive insurance.

2. Allstate will repay you up to $10 for the cost of

transportation from the place of theft of your

insured auto or disablement of the auto to your

destination, if

a) the entire auto is stolen and you have

comprehensive coverage under this policy.

b) the auto is disabled by a collision or

comprehensive loss, and you have the

coverage under this policy applicable to the

loss.

This provision does not apply if the insured auto

is a travel-trailer.

3. If you have comprehensive insurance under this

policy, Allstate will repay up to $10 a day but not

more than $300 for each loss for the cost of

transportation when the entire auto is stolen.

This coverage begins 48 hours after you report

the theft to us, but ends when we offer

settlement or your auto is returned to use.

4. If you have purchased collision or

comprehensive insurance under this policy,

Allstate will pay general average and salvage

charges imposed when your insured auto is

being transported.

Insured Autos

1. Any auto described on the Policy Declarations.

This includes the four wheel private passenger

auto or utility auto you replace it with if you

notify Allstate within 60 days of the replacement

and pay the additional premium.

2. An additional four wheel private passenger auto

or utility auto you become the owner of during

the policy period. This auto will be covered if

Allstate insures all other private passenger

autos or utility autos you own. You must,

however, tell us within 60 days of acquiring the

auto. You must pay any additional premium.

3. A substitute four wheel private passenger auto

or utility auto not owned by you or a resident,

temporarily used with the permission of the

owner while your insured auto is being serviced

or repaired, or if your insured auto is stolen or

destroyed.

4. A non-owned four wheel private passenger auto

or utility auto used by you or a resident relative

with the owner’s permission. This auto must

not be available or furnished for the regular use

of you or any resident.

5. A trailer while attached to an insured auto. This

trailer must be designed for use with a private

passenger auto. This trailer can’t be used for

business purposes with other than a private

passenger auto or utility auto. Home, office,

store, display, or passenger trailers,

travel-trailers or camper units are not covered

unless described on the Policy Declarations.

Definitions

1. "Allstate", "We", "Us", or "Our"

means the

Allstate Insurance Company or Allstate

Indemnity Company as shown on the Policy

Declarations.

2. "Auto"

means a land motor vehicle designed

for use on public roads.

3. "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;

b) radio or television antennas, awnings,

cabanas, or equipment designed to create

additional off highway living facilities.

4. "Motor Home"

means a self-propelled vehicle

equipped, designed or used as a living quarters.

5. "Resident"

means a person who physically

resides in your household with the intention of

continuing residence there. Your unmarried

dependent children while temporarily away from

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Allstate Insurance Company

home will be considered residents if they intend

to resume residing in your household.

6. "Sound System"

means any device within the

insured auto designed for:

a) voice or video transmission, or for voice,

video or radar signal 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.

7. "Travel-trailer"

means a trailer of the house,

cabin or camping type equipped or used as a

living quarters.

8. "Utility Auto"

means an auto of the pick-up

body, sedan delivery or panel truck type. This

auto must have a rated load capacity of not more

than 2,000 pounds.

9. "You" or "Your"

means the policyholder

named on the Policy Declarations and that

policyholder’s resident spouse.

Exclusions

What is not covered

These coverages do not apply to:

1. loss caused intentionally by or at the direction

of an insured person.

2. any auto used for the transportation of people

or property for a fee. This exclusion does not

apply to shared-expense car pools.

3. any damage or loss resulting from any act of

war, insurrection, rebellion or revolution.

4. loss to any non-owned auto used in auto

business operations such as repairing,

servicing, testing, washing, parking, storing or

selling of autos.

5. loss due to radioactive contamination.

6. damage resulting from wear and tear, freezing,

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.

7. 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.

8. loss to any sound system within your auto.

Coverages under this Part also will not apply to

any apparatus in or on the auto designed for use

with that system.

This exclusion will not apply if you have

purchased Coverage ZA.

9. loss to any tapes or similar items, unless you

have Coverage ZZ under this policy.

10. loss to a camper unit whether or not mounted.

This exclusion will not apply if the camper unit

is described on the Policy Declarations.

11. loss to appliances, furniture, equipment and

accessories that are not built into or forming a

permanent part of a motor home or

travel-trailer.

12. loss to your motor home or your travel-trailer

while rented to anyone else unless a specific

premium is shown on the Policy Declarations for

the rented vehicle.

Right To 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 choose 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 decision by any

two of these three persons will determine the amount

of the loss.

Payment Of Loss By Allstate

Allstate may pay for the loss in money, or may repair

or replace the damaged or stolen property. 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.

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Allstate Insurance Company

LIMITS OF LIABILITY

ALLSTATE’S LIMIT OF LIABILITY IS THE ACTUAL

CASH VALUE OF THE PROPERTY OR DAMAGED

PART OF THE PROPERTY AT THE TIME OF LOSS.

THE ACTUAL CASH VALUE WILL BE REDUCED BY

THE DEDUCTIBLE FOR EACH COVERAGE AS

SHOWN ON THE POLICY DECLARATIONS.

HOWEVER, OUR LIABILITY WILL NOT EXCEED

WHAT IT WOULD COST TO REPAIR OR REPLACE

THE PROPERTY OR PART WITH OTHER OF LIKE

KIND AND QUALITY. THE LIMIT FOR LOSS TO ANY

COVERED TRAILER NOT DESCRIBED ON THE

POLICY DECLARATIONS IS $500.

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.

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.

WHEN MORE THAN ONE COVERAGE IS APPLICABLE

TO THE LOSS, YOU MAY RECOVER UNDER THE

BROADEST COVERAGE BUT NOT BOTH. HOWEVER,

ANY COVERAGE ZA DEDUCTIBLE WILL ALWAYS

APPLY.

Action Against Allstate

No one may sue us under this coverage unless there

is full compliance with all the policy terms.

Subrogation Rights

When we pay, your rights of recovery from anyone

else become ours up to the amount we have paid.

You must protect these rights and help us enforce

them.

What You Must Do If There Is A Loss

1. As soon as possible, any person making claim

must give us written proof of loss. It must

include all details reasonably required by us.

We have the right to inspect the damaged

property. We may require any person making

claim to file with us a sworn proof of loss. We

may also require that person to submit to

examinations under oath.

2. 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.

3. Report all theft losses promptly to the police.

IN WITNESS WHEREOF, Allstate has caused this

policy to be signed by its Secretary and its President

at Northbrook, Illinois, and if required by state law,

this policy shall not be binding unless countersigned

on the Policy Declarations by an authorized agent of

Allstate.

Secretary

President, Personal Lines

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