MASSACHUSETTS ENDORSEMENT MPY S WAIVER OF DEDUCTIBLE

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1 AMERICAN BANKERS INSURANCE COMPANY OF FLORIDA A STOCK INSURANCE COMPANY Quail Roost Drive, Miami, FL (305) Administrative Office: American Collectors Insurance, Inc. P.O. Box 8343, Cherry Hill, NJ (800) MASSACHUSETTS ENDORSEMENT MPY S WAIVER OF DEDUCTIBLE The deductible amount shown on the Coverage Selections Page for Collision (Part 7) does not apply to any auto to which this endorsement applies as shown on the Coverage Selections Page if: 1. That auto was legally parked when struck by another auto owned by an identified person. 2. The auto was struck in the rear by another auto moving in the same direction and owned by an identified person. 3. The operator of the other auto was convicted of any of the following violations: a. Operating under the influence of alcohol, marijuana or a narcotic drug. b. Driving the wrong way on a one-way street. c. Operating at an excessive rate of speed. d. Any similar violations of any similar law of another state in which the accident occurs. However, we will not pay if the operator of the auto covered under this Part was also convicted of one of the violations. 4. You are entitled to recover in court against an identified person for some reason other than those listed above. (Description of Auto) AH8538ERR-0110 Page 1 of 1 AH8538

2 COVERAGE SELECTIONS PAGE This page and any attached endorsements form a part of your policy. This policy is issued By: American Bankers Insurance Company of Florida Massachusetts Personal Automobile ITEM 1. This policy is issued To: Policy Number: Producer American Collectors Insurance, Inc. PO Box Cherry Hill, NJ / ITEM 2. This policy is effective from: To: (12:01 AM Eastern Standard Time) ITEM 3. Description of your Auto(s): AUTO AUTO VIN VALUE VIN VALUE ITEM 4. This policy provides only the coverages for which a premium charge or INCL is shown. COVERAGES, Parts 1-12 COMPULSORY INSURANCE Limit Deductible Premium Auto 1 Premium Auto 2 OPTIONAL INSURANCE MERIT RATING PLAN ADJUSTMENT $ ADJUSTMENT $ PREMIUM $ Identification Numbers of Endorsements Forming a Part of This Policy PREMIUM Endorsement Premium TOTAL PREMIUM $ ITEM 5. Place of Principal Garaging if Different From Principal Residence (See Application) See Attached Schedule, if Applicable ITEM 6. Secured Lender/Lessor - Additional Insured, if Rented Auto (See Application) See Attached Schedule, if Applicable Oper # Operator Name Date of Birth License Number License State AH8674ARR-0110 **DETACH AND RETURN TO INSURE PROPER CREDIT** Policy # Payment Due Date Amount Due: Dear Policyholder: This is your renewal billing notice for the upcoming policy year. Please use the enclosed envelope to pay the total policy premium indicated at the bottom of the above renewal declarations page. Also, please indicate your present odometer reading in the lower right hand corner of this form and return with your payment. PLEASE NOTE THAT YOUR RENEWAL PAPERS MAY ALSO CONTAIN OTHER FORMS WHICH SHOULD BE COMPLETED AND RETURNED. Remit To: American Collectors Insurance 496 Kings Hwy. N. - PO Box 8343 Cherry Hill, NJ Amount Enclosed Odometer Reading Date AH8674ARR-0110 AH8674ARR(MA)-0110

3 Check carefully that all operators of your auto(s) are shown. Your failure to list a household member or any individual who customarily operates your auto may have very serious consequences. NOTICE: You must notify us of changes that have occurred prior to the renewal of this policy and during the policy period. It is a crime to knowingly provide false or fraudulent information for the purpose of defrauding an insurance company. If you or someone else on your behalf has knowingly given us false, deceptive, misleading or incomplete information and if such false, deceptive, misleading or incomplete information increases our risk of loss, we may refuse to pay claims under any or all of the Optional Insurance Parts and we may cancel your policy. Such information includes the description and the place of garaging of the vehicle(s) to be insured, the names of all household members and customary operators required to be listed and the answers given above for all listed operators. We may also limit our payments under Part 3 and Part 4. Check to make certain that you have correctly listed all operators and the completeness of their previous driving records. The Merit Rating Board may verify the accuracy of the previous driving records of all listed operators. We will not pay for a collision or limited collision loss for an accident which occurs while your auto is being operated by a household member who is not listed as an operator on your policy. Payment is withheld when the household member, if listed, would require the payment of additional premium on your policy because the household member would be classified as an inexperienced operator or would require payment of additional premium on your policy under the merit rating plan. DISCOUNTS: Several discounts are available and your premium has been reduced if one or more of the following categories is indicated in Item 4. Contact your agent or company representative for further details. PART 5 - OPTIONAL BODILY INJURY TO OTHERS The limits shown for this Part are the total limits you have under Compulsory Bodily Injury to Others (Part 1) and this Part. This means that the Compulsory limits are included within the limits shown for this Part and are not in addition to them. PART 12 - BODILY INJURY CAUSED BY AN UNDERINSURED AUTO The limits shown for this Part are subject to adjustment. We will only pay for any unpaid damages up to the difference between the total amount collected from the automobile bodily injury liability insurance covering the owner and operator of the underinsured auto and the limits shown for this Part. MERIT RATING PLAN The Merit Rating Plan adjustment shown on the reverse side for each auto is based on the driving records of the operators listed on your policy. The merit rating code and class of each operator are used in assigning the operators to the autos in the manner described in the rating manual. Countersigned by: AH8674ARR-0110 AH8674ARR(MA)-0110

4 AMERICAN BANKERS INSURANCE COMPANY OF FLORIDA [A STOCK INSURANCE COMPANY] [11222 Quail Roost Drive, Miami, FL (305) ] [Administrative Office: American Collectors Insurance, Inc.] [P.O. Box 8343, Cherry Hill, NJ (800) ] ANTIQUE AUTO COVERAGE ENDORSEMENT MASSACHUSETTS Please read this endorsement carefully, it amends the policy as follows: I. DEFINITIONS Item 2. is deleted and replaced with the following: Throughout this policy, you and your refer to: 1. The person(s) named on the Coverage Selection Page; and 2. The spouse if a resident of the same household. Item 5 A. and B. is amended to read as follows: 5. Your auto means: 1. any motor vehicle shown in the Coverage Selection Page,, provided it is: a. used for: exhibitions; club activities; parades; or other functions of public interest; occasional pleasure drives; b. driven no more than the mileage tier indicated in the Coverage Selection Page during an annual policy term. 2. any newly acquired antique vehicle or collectible vehicle of which you acquire ownership during the policy period, provided that you ask us to insure it within thirty (30) days after you become the owner. If the vehicle replaces one shown in the Coverage Selection Page, you have to ask us to insure it within thirty (30) days only if you wish coverage to apply to the replacement vehicle. If you ask us to insure a newly acquired antique vehicle or collectible vehicle after the thirty (30) days has elapsed, any coverage we provide for a newly acquired antique vehicle or collectible vehicle will begin at the time we receive your request for coverage. 3. any trailer you own shown on the Coverage Selection Page, provided it is primarily used to transport your auto to: exhibitions; club activities; parades; or other functions of public interest; 4. any trailer you do not own while used as a temporary substitute for any other vehicle described in this definition which is out of normal use because of its: breakdown; repair; servicing; loss; or destruction. Item 5.C. is deleted in its entirety. Items 6. is deleted and replaced by the following: II. 6. Trailer means a vehicle designed to: 1. carry your auto; and 2. be pulled by a: a. private passenger type auto; b. pick-up; or c. sedan delivery or panel truck. The following definitions are added: 11. Antique Vehicle means a vehicle which is: 1. at least twenty five years old; 2. used primarily for: exhibitions; club activities; parades or other functions of public interest; and 3. not used primarily for transportation of persons or goods. 4. driven no more than the mileage tier indicated in the Declarations during an annual policy term. 12. Collectible Vehicle means a motor vehicle that is: 1. used for: exhibitions; club activities; parades; or other functions of public interest; 2. not used for general transportation; and 3. driven no more than the mileage tier indicated in the Coverage Selection Page during an annual policy term. In addition to items 1, 2 and 3 above, the vehicle must also be one of the following 1. at least fifteen years old; or 2. a replica or kit car; or 3. a vehicle that was modified from its original specifications but retaining its structural integrity; or 4. a vehicle newer than 15 years which is of limited production and has collector value. COMPULSORY INSURANCE, PART 4., DAMAGE TO SOMEONE ELSE S PROPERTY, Item 3. is amended as follows: We will not pay for property damage which occurs: 3. While anyone is using a vehicle in the course of any business other than the business of selling, servicing, repairing or parking autos. This exclusion does not apply to private passenger autos or trailers not used for the delivery or transportation of goods or material unless such use is incidental to your AH9439ERR-0110 Page 1 of 2 AH9439

5 business of installing, maintaining, or repairing furnishings or equipment. III. COMPULSORY INSURANCE, PART 4, the last Paragraph is deleted and replaced with the following: two percent (2%) each quarter to a maximum of eight percent (8%) after the effective date. IV. This part is Compulsory. You must have limits of at least $5,000. However, you may want to buy more protection. Higher limits may be purchased if agreed upon by you and by us. OPTIONAL INSURANCE, PART 7. COLLISION, PART 8: LIMITED COLLISION, and PART 9. COMPREHENSIVE - the Actual Cash Value sections are deleted and replaced with the following: In the event of loss to your covered auto we will, subject to the applicable limit of liability shown in the Coverage Selections Page: A. repair or replace the damaged or stolen property with like kind and quality if the amount necessary to repair or replace such property is less than the limit of liability shown in the Coverage Selections Page; or B. pay the agreed value shown on the Coverage Selections Page less any deductible applicable, if the amount to repair or replace the property is equal to or greater than the limit of liability or if the vehicle is deemed to be a total loss. The limit of liability for each vehicle shown in the Coverage Selections Page is increased by IV. We extend our limit of liability to cover additional or replacement Antique or Collectible vehicles acquired by you during the policy period but not to exceed: A. the verifiable value; B. $25,000; or C. the purchase price, whichever is less. Such additional or replacement vehicles must be reported to us within 30 days of purchase for coverage to be extended. A loss to your covered auto reduces our liability limit by the amount of the loss under the appropriate coverage. Upon repair or replacement of the property, the limit will return to the limit shown in the Coverage Selections Page. OPTIONAL INSURANCE, PART 11., TOWING AND LABOR COSTS COVERAGE is deleted and replaced with the following: We will pay up to $25 for towing and labor costs incurred each time your auto is disabled. The labor must be performed at the place of disablement. We will not pay for the towing costs or labor incurred in towing your auto from the place where it is principally garaged. AH9439ERR-0110 Page 2 of 2 AH9439

6 Massachusetts Automobile Insurance Policy AMERICAN BANKERS INSURANCE COMPANY OF FLORIDA Quail Roost Drive, Miami, FL Please read your policy. Part of the policy is a page marked Coverage Selections. It shows the types and amounts of coverage you have purchased. As you read the policy, check the Coverage Selections Page to make sure it shows exactly what you intended to buy. If there is any question, call your agent or company right away Edition AH9673PRR-0110 AH9673PR.DOC

7 Contents Introduction 1 Definitions 2 Our Agreement 3 Compulsory Insurance Part 1. Bodily Injury To Others...4 Part 2. Personal Injury Protection...5 Part 3. Bodily Injury Caused By An Uninsured Auto...7 Part 4. Damage To Someone Else s Property...10 Optional Insurance Part 5. Optional Bodily Injury To Others...13 Part 6. Medical Payments...15 Part 7. Collision...16 Part 8. Limited Collision...17 Part 9. Comprehensive...19 Part 10. Substitute Transportation...20 Part 11. Towing And Labor...21 Part 12. Bodily Injury Caused By An Underinsured Auto...21 General Provisions And Exclusions 24 Cancellation And Renewal 29 When There Is An Accident Or Loss 32 Coverage Selections Page AH9673PRR-0110 AH9673PR.DOC

8 Introduction 1 This insurance policy is a legal contract between the policy-owner (you) and the company (we or us). It insures you and your auto for the period shown on the Coverage Selections Page. As long as you pay your premium, we agree to provide you or others the benefits to which you or they are entitled. The exact terms and conditions are explained in the following pages. There are two basic categories of insurance described in this policy, Compulsory Insurance and Optional Insurance. Compulsory Insurance Optional Insurance There are four Parts to Compulsory Insurance. They are all required by law. Every auto registered in Massachusetts must have them. There are eight Parts to Optional Insurance. Some of them extend the coverage or the amounts of protection provided by Compulsory Insurance. Some of them provide protection not found in Compulsory Insurance. You do not have to buy any of these eight Parts if you do not want to. Auto insurance claims arise in hundreds of different ways. Autos are sometimes stolen or damaged. Accidents may injure people in your auto, people in other autos or pedestrians. You may be responsible for an accident or someone else may be. An accident may happen in Massachusetts or out of state. Different situations require different kinds of insurance. Please read the whole policy to see what kinds of insurance are available to cover these different situations. At the same time, you should check the Coverage Selections Page to make sure it correctly indicates the coverages you purchased. Each coverage you purchased will show a premium charge next to it. If no premium charge is shown, you do not have that coverage. Sometimes you and we will agree to change this policy. The only way that can be done is by an "Endorsement" added to the basic policy form. All endorsements must be in writing. They then become part of this policy. We are pleased to have you as a customer and hope you have a safe and accident-free year. But if you need us, we are here to help you. If you have an accident or loss, or if someone sues you, contact your agent or us. Do the same if you have any questions or complaints. If you think we have treated you unfairly at any time, you may contact the Division of Insurance, (617) AH9673PRR-0110 AH9673PR.DOC

9 2 Definitions Throughout this policy: 1. We, Us or Our refers to the company issuing this policy. 2. You or Your refers to the person(s) named in item 1 of the Coverage Selections Page. 3. Accident means an unexpected, unintended event that causes bodily injury or property damage arising out of the ownership, maintenance or use of an auto. 4. Auto means a land motor vehicle or trailer but does not include: A. Any vehicle operated on rails or crawler treads. B. Any vehicle or trailer while it is located for use as a residence or premises. We will consider such a vehicle to be an auto while it is being used on public roads, or for recreational use. C. A farm tractor or other equipment designed for use principally off public roads. We will consider a tractor or other equipment to be an auto while it is being used on public roads. D. Any vehicle not subject to Massachusetts Motor Vehicle registration such as a moped, dirt bike, mini-bike, snowmobile or an all-terrain vehicle (ATV). Other words and phrases are defined. They are in boldface when used. 5. Your Auto means: A. The vehicle or vehicles described on the Coverage Selections Page. B. Any auto while used as a temporary substitute for the described auto while that auto is out of normal use because of a breakdown, repair, servicing, loss or destruction. But the term "your auto" does not include a substitute vehicle owned by you or your spouse. C. A private passenger auto, trailer, motorcycle, pick-up truck, van or similar vehicle, to which you take title or lease as a permanent replacement for a described auto or as an additional auto. We provide coverage for an additional auto only if you ask us to insure it within seven days after you take title or the effective date of the lease. If a replacement or additional auto is a pick-up truck, van or similar vehicle, it must have a gross vehicle weight of less than 10,000 pounds and not be used for the delivery or transportation of goods or materials unless such use is incidental to your business of installing, maintaining or repairing furnishings or equipment. Under Parts 1, 2, 3, 4, 5 and 6 the term "your auto" also includes any trailer not described on the Coverage Selections Page as covered under those Parts. AH9673PRR-0110 AH9673PR.DOC

10 3 6. Trailer means a vehicle designed to be pulled by a private passenger auto, motorcycle, pick-up truck, van, or similar vehicle and designed for use on public roads. This includes a farm wagon or a farm implement. 7. Occupying means in, upon, entering into, or getting out of. 8. Collision means the accidental upset of your auto or any physical contact of your auto with another object. 9. Household Member means anyone living in your household who is related to you by blood, marriage or adoption. This includes wards, step-children or foster children. 10. Pedestrian includes anyone incurring bodily injury as a result of being struck by an auto in an accident and who is not occupying an auto at the time of the accident. Our Agreement This policy is a legal contract under Massachusetts law. Because this is an auto policy, it only covers accidents and losses which result from the ownership, maintenance or use of autos. The exact protection is determined by the coverages you purchased. We agree to provide the insurance protection you purchased for accidents which happen while this policy is in force. You agree to pay premiums when due and to cooperate with us in case of accidents or claims. Our contract consists of this policy, the Coverage Selections Page, any endorsements agreed upon, and your application for insurance. Oral promises or statements made by you or our agent are not part of this policy. There are many laws of Massachusetts relating to automobile insurance. We and you must and do agree that, when those laws apply, they are part of this policy. AH9673PRR-0110 AH9673PR.DOC

11 4 Compulsory Insurance There are four Parts to Compulsory Insurance. They are called Compulsory Insurance because Massachusetts law requires you to buy all of them before you can register your auto. No law requires you to buy more than this Compulsory Insurance. However, if you have financed your auto, the bank or finance company may legally insist that you have some Optional Insurance as a condition of your loan. The amount of your coverage and the cost of each Part is shown on the Coverage Selections Page. Your Compulsory Insurance does not pay for any damage to your auto no matter what happens to it. Part 1, Bodily Injury To Others Under this Part, we will pay damages to people injured or killed by your auto in Massachusetts accidents. The damages we will pay are the amounts the injured person is entitled to collect for bodily injury through a court judgment or settlement. We will pay only if you or someone else using your auto with your consent is legally responsible for the accident. The most we will pay for injuries to one or more persons as a result of bodily injury to any one person in any one accident is $20,000. Subject to this $20,000 limit, the most we will pay for injuries to two or more people as the result of bodily injury to two or more people in any one accident is $40,000. This is the most we will pay as the result of a single accident no matter how many autos or premiums are shown on the Coverage Selections Page. We will not pay: 1. For injuries to guest occupants of your auto. 2. For accidents outside of Massachusetts or in places in Massachusetts where the public has no right of access. 3. For injuries to any employees of the legally responsible person if they are entitled to Massachusetts workers' compensation benefits. The law provides a special protection for anyone entitled to damages under this Part. We must pay their claims even if false statements were made when applying for this policy or your auto registration. We must also pay even if you or the legally responsible person fails to cooperate with us after the accident. We will, however, be entitled to reimbursement from the person who did not cooperate or who made any false statements. If a claim is covered by us and also by another company authorized to sell auto insurance in Massachusetts, we will pay only our proportionate share. If someone covered under this Part is using an auto he or she does not own at the time of the accident, the owner's auto insurance AH9673PRR-0110 AH9673PR.DOC

12 Compulsory 5 Insurance (Continued) must pay its limits before we pay. Then, we will pay, up to the limits shown on your Coverage Selections Page, for any damages not covered by that insurance. Part 2, Personal Injury Protection The benefits under this Part are commonly known as "PIP" or "No-Fault" benefits. It makes no difference who is legally responsible for the accident. We will pay the benefits described below to you and other people injured or killed in auto accidents. For any one accident, we will pay as many people as are injured, but the most we will pay for injuries to any one person is $8,000. This is the most we will pay no matter how many autos or premiums are shown on the Coverage Selections Page. We will pay three kinds of benefits: A. Medical Expenses We will pay all reasonable expenses incurred as a result of the accident for necessary medical, surgical, X-ray and dental services. This includes prosthetic devices. It also includes ambulance, hospital, professional nursing and funeral services. B. Loss Wages If an injured person is out of work because of the accident, we will pay lost wages up to 75% of his or her average weekly gross wage or equivalent for the year ending on the day immediately before the accident. We will not pay for the loss of any other type of income. If the injured person was unemployed at the time of the accident, we will pay up to 75% of the amount he or she actually lost in earning power as a result of the accident. C. Replacement Services We will reimburse the injured person for reasonable payments made to anyone outside his or her household for necessary services that he or she would have performed without pay for the benefit of the household, had he or she not been injured. We will pay PIP benefits to or for: 1. You, or any other person, if injured while occupying your auto with your consent. 2. You, or anyone living in your household, if injured while occupying an auto which does not have Massachusetts Compulsory Insurance or if struck by an auto which does not have Massachusetts Compulsory Insurance 3. Any pedestrian, including you, if struck by your auto in AH9673PRR-0110 AH9673PR.DOC

13 6 Compulsory Insurance (Continued) Massachusetts or any Massachusetts resident who, while a pedestrian, is struck by your auto outside of Massachusetts. Benefits are paid only for expenses or losses actually incurred within two years after the accident. If the accident is in Massachusetts, or if it is outside Massachusetts and the injured person does not sue for damages, we will pay benefits within a reasonable time usually thirty days. If the accident is outside Massachusetts and the injured person does sue, then we can wait for a settlement or judgment before paying benefits. Some people have a wage continuation program at work. If so, we will pay them only the difference between the total we would ordinarily pay under this Part and the amount of the program payments. We will, however, reimburse the program if it allows benefits to be converted into cash or additional retirement credit. Sometimes program benefits are reduced or used up because of payments to the person injured in an accident. In that case, we will pay for lost wages resulting from any other illness or injury that person has within one year of our last payment. The exact amount of our payments under this paragraph will be determined by Massachusetts law. Some people have a policy of health, sickness, or disability insurance or a contract or agreement with a group, organization, partnership or corporation to provide, pay for, or reimburse the cost of medical expenses ("health plan"). If so, we will pay up to $2,000 of medical expenses for any injured person. We will also pay medical expenses in excess of $2,000 for such injured person which will not be paid by a health plan. Medical expenses must be submitted to the health plan to determine what the health plan will pay before we pay benefits in excess of $2,000 under this Part. We will not pay for medical expenses in excess of $2,000 that the health plan would have paid had the injured person sought treatment in accordance with the requirements of the health plan. In any case, our total payment for medical expenses, lost wages and replacement services will not exceed $8,000. Within two years after an accident, we may, at our option, pay the cost of renewing or continuing in force a policy of health, sickness or disability insurance for anyone covered under this Part who is unwilling or unable to pay such cost. Our payment will not exceed the cost of renewing or continuing such policy for a period of two years after the accident. Also, our payment will not operate to reduce the benefits otherwise payable under this Part. AH9673PRR-0110 AH9673PR.DOC

14 Compulsory 7 Insurance (Continued) We will not pay PIP benefits to or for: 1. Anyone who, at the time of the accident, was operating or occupying a motorcycle, any motor vehicle not subject to motor vehicle registration, or a motorized bicycle including a moped. 2. Anyone who contributed to his or her injury by operating an auto (a) while under the influence of alcohol, marijuana, or a narcotic drug, (b) while committing a felony or seeking to avoid arrest by a police officer, or (c) with the specific intent of causing injury to himself, herself or others. 3. Anyone who is entitled to benefits under any workers' compensation law for the same injury. When you purchased this Part you were given the choice of either excluding yourself, or yourself and household members, from some or all of the PIP coverage. The portion of each claim you may have agreed not to be covered for is called a "deductible." You paid a smaller premium if you chose a deductible. In that case, we will only pay up to the difference between $8,000 and the amount of your deductible. The deductible is shown on the Coverage Selections Page. If anyone is entitled to PIP benefits and also to benefits under another Part of this policy, we will pay from this Part first. We will not pay PIP benefits to or for an injured person, to the extent those benefits would duplicate expenses or losses recovered by that person in a court judgment or settlement. If anyone covered under this policy is also entitled to PIP benefits from any other auto policy, the total benefits payable will not be more than the highest amount payable under whichever one of the policies would have paid the most. In that case, each insurer will pay only its proportionate share. We will not pay benefits under this Part which duplicate payments made under the No-Fault coverage of any other auto policy. Part 3. Bodily Injury Caused By An Uninsured Auto Sometimes an owner or operator of an auto legally responsible for an accident is uninsured. Some accidents involve unidentified hit-and-run autos. Under this Part, we will pay damages for bodily injury to people injured or killed in certain accidents caused by uninsured or hit-and-run autos. We will pay only if the injured person is legally entitled to recover from the owner or operator of the uninsured or hit-and-run auto. We will pay for hit-and-run accidents only if the owner or operator causing the accident cannot be identified. AH9673PRR-0110 AH9673PR.DOC

15 8 Compulsory Insurance (Continued) Sometimes the company insuring the auto responsible for an accident will deny coverage or become insolvent. We consider such an auto to be uninsured for purposes of this Part. However, we do not consider an auto owned by a governmental unit or someone who is legally self-insured to be an uninsured auto. This Part is Compulsory. You must have limits of $20,000 per person and $40,000 per accident. However, you may want to buy more protection. If so, we must sell you limits up to $35,000 per person and $80,000 per accident, provided you have purchased at least these limits for Part 5. Higher limits may be purchased if agreed upon by you and by us. We will pay damages to or for: 1. You, while occupying your auto, while occupying an auto you do not own, or if injured as a pedestrian. 2. Any household member, while occupying your auto, while occupying an auto not owned by you or if injured as a pedestrian. If there are two or more policies which provide coverage at the same limits, we will only pay our proportionate share. We will not pay damages to or for any household member who has a Massachusetts auto policy of his or her own or who is covered by any Massachusetts auto policy of another household member providing uninsured auto insurance with higher limits. 3. Anyone else while occupying your auto. We will not pay damages to or for anyone else who has a Massachusetts auto policy of his or her own, or who is covered by any Massachusetts auto policy of another household member providing uninsured auto insurance. 4. Anyone else for damages he or she is entitled to recover because of injury to a person covered under this Part. If you are injured while occupying your auto and you have two or more autos insured with us with different limits, we will only pay up to the limits shown on your Coverage Selections Page for the auto you are occupying when injured. If you are injured as a pedestrian or while occupying an auto you do not own and you have two or more Massachusetts auto policies which provide coverage at different limits, the policy with the higher limits will pay. If there are two or more policies which provide coverage at the same limits, we will only pay our proportionate share. We will not pay damages to or for you, if struck by, or while occupying AH9673PRR-0110 AH9673PR.DOC

16 Compulsory 9 Insurance (Continued) an auto you own and which does not have Massachusetts compulsory auto insurance. Likewise, we will not pay damages to or for any household member if struck by, or while occupying an auto owned by that household member which does not have Massachusetts compulsory auto insurance. The most we will pay for damages to or for anyone injured in the following situations is $35,000 per person and $80,000 per accident or the limits you purchased, whichever is less: 1. Anyone injured while occupying your auto while it is being used as a public or livery conveyance. This does not apply to the use of your auto in a share-the-expense car pool arrangement or in an expense reimbursement program either as a volunteer or at work. 2. Anyone injured while using an auto without the consent of the owner. 3. Anyone injured while an auto is being operated in any prearranged or organized racing, speed, stunting or demolition contest or activity or in practice or preparation for any such contest or activity. We will reduce the damages an injured person is entitled to recover by: 1. The amount recovered from any legally responsible person provided the injured person is fully compensated for his or her damages for bodily injury. 2. The amount paid under a workers' compensation law or similar law. 3. Any expenses that are payable or would have been payable, except for a deductible, under the PIP coverage of this policy or any other Massachusetts auto policy. We will pay the balance of the damages up to the limits shown for this Part on your Coverage Selections Page. The determination as to whether an injured person is legally entitled to recover damages from the legally responsible owner or operator will be by agreement between us and the injured person. The amount of the damages, if any, will be determined in the same way. Arbitration will be used if no agreement can be reached. However, in no event may a demand for arbitration constitute first notice of claim. We must be given sufficient notice of claim to conduct a reasonable investigation and attempt settlement before arbitration can be filed. AH9673PRR-0110 AH9673PR.DOC

17 10 Compulsory Insurance (Continued) If an injured person settles a claim as a result of an accident covered under this Part, we will pay that person only if the claim was settled with our consent. We will not be bound under this Part by any judgment resulting from a lawsuit brought without our written consent. We will not, however, unreasonably withhold our consent. The most we will pay for injuries to one or more persons as a result of bodily injury to any one person in any one accident is shown on the Coverage Selections Page as the "per person" limit. Subject to this limit, the most we will pay for injuries to two or more people as the result of bodily injury to two or more people in any one accident is shown on the Coverage Selections Page as the "per accident" limit. This is the most we will pay as the result of a single accident. The limits of two or more autos or policies shall not be added together, combined, or stacked, to determine the limits of coverage available to anyone covered under this Part, regardless of the number of autos involved, persons covered, claims made, or premiums shown on the Coverage Selections Page. We will not make payments under this Part which duplicate payments under the uninsured auto insurance of any other auto policy. This Part will not benefit any insurer or self-insurer under a workers' compensation law or any similar law. Part 4. Damage to Someone Else's Property Under this Part, we will pay damages to someone else whose auto or other property is damaged in an accident. The damages we will pay are the amounts that person is legally entitled to collect for property damage through a court judgment or settlement. We will pay only if you, or a household member, is legally responsible for the accident. We will also pay if someone else using your auto with your consent is legally responsible for the accident. Damages include any applicable sales tax and the costs relating from the loss of use of the damaged property. We will not pay for property damage which occurs: 1. While your auto is being used as a public or livery conveyance. This does not apply to the use of your auto in a share-the-expense car pool arrangement or in an expense reimbursement program either as a volunteer or at work. 2. While any auto is being used by anyone in the course of his or her employment in the business of selling, servicing, repairing or parking autos. This exclusion does not apply to the ownership, maintenance or use of your auto by you or a household member. 3. While anyone is using a vehicle in the course of any business other than the business of selling, servicing, repairing or parking autos. This exclusion does not apply to private passenger autos, or to pick-up AH9673PRR-0110 AH9673PR.DOC

18 Compulsory 11 Insurance (Continued) trucks, vans, or similar vehicles having a gross vehicle weight of less than 10,000 pounds and not used for the delivery or transportation of goods or materials unless such use is incidental to your business of installing, maintaining, or repairing furnishings or equipment. 4. While a household member, other than your spouse, is using an auto which you or any household member owns or uses regularly unless a premium for this Part is shown for that auto on the Coverage Selections Page. 5. While you or your spouse, if a household member, are using an auto which you or your spouse, if a household member, own or use regularly unless a premium for this Part is shown for that auto on the Coverage Selections Page. 6. To an auto or other property owned by you or the legally responsible person. Similarly, we will not pay for damage to an auto or other property, except for a private residence or garage, which you or the legally responsible person rents or has in his or her care. 7. When the property damage is caused by anyone using an auto without the consent of the owner. The most we will pay for damage resulting from any one accident is shown on the Coverage Selections Page. This is the most we will pay as the result of a single accident no matter how many autos or premiums are shown on the Coverage Selections Page. If someone covered under this Part is using an auto he or she does not own at the time of the accident, the owner's auto insurance must pay its limit before we pay. Then, we will pay for any damages not paid by that insurance, up to the policy limit shown on the Coverage Selections Page. However, if the claim is covered by us and another auto policy, we will pay only our proportionate share of those damages not paid by the owner's auto insurance. Under this Part, we may have to pay for property damage even if you or the legally responsible person fails to give us prompt notice of the accident. In that case we may be entitled to reimbursement from that person. This Part is Compulsory. You must have limits of at least $5,000. However, you may want to buy more protection. Higher limits may be purchased if agreed upon by you and by us. However, $5,000 is the most we will pay for property damage caused by an auto covered under this Part which is being operated in any prearranged or organized racing, speed, stunting or demolition contest or activity or in practice or preparation for any such contest or activity. AH9673PRR-0110 AH9673PR.DOC

19 12 Optional Insurance There are eight separate Parts to Optional Insurance. They are called Optional Insurance because they are not required by law. The amount of insurance and cost of any of these Parts you purchased is shown on the Coverage Selections Page. With the exception of Towing and Labor (Part 11), we must sell you any or all of the Optional coverages you wish, subject to certain deductibles and limits specified in Massachusetts law. However, Massachusetts law provides that we may refuse to sell Collision (Part 7) and Comprehensive (Part 9), or both, in certain specified instances. Because two of the Optional coverages Collision (Part 7) and Limited Collision (Part 8) duplicate each other in many ways, you may buy one of them but not both. If you do not buy either one, you still have the right to sue people who damage your auto but we will not provide any assistance to you under this policy. We will not pay under any of the Optional coverages: 1. If the accident happens while your auto is being used as a public or livery conveyance. This does not apply to the use of your auto in a share-the-expense car pool arrangement or in an expense reimbursement program either as a volunteer or at work. 2. For loss of or damage to any electronic equipment that reproduces, receives or transmits audio, visual or data signals, unless it has been permanently installed in the auto in locations used by the auto manufacturer for installation of such equipment. If the electronic equipment is permanently installed but not in locations used by the auto manufacturer, we will only pay up to $1,000 for loss to such equipment. Electronic Equipment includes but is not limited to: A. Radios and Stereos; B. Cassette and Compact Disc Systems; C. Navigation Systems, Internet Access Systems, and Personal Computers; D. Video Entertainment Systems, Telephones and Televisions; E. Two-way mobile radios, Scanners and Citizens Band Radios Tapes, discs, cassettes, and other media are not covered. 3. For loss of or damage to any custom furnishings or custom equipment in or upon any pick-up truck, van or similar vehicle. Custom furnishings or custom equipment include but are not limited to the following items: special carpeting and insulation, furniture, bars, television receivers, facilities for cooking and sleeping, height-extending roofs, custom murals, paintings or other decals or graphics. 4. For loss or damage to equipment designed for the detection or avoidance of any law enforcement speed measuring device. This does not apply to electronic equipment designed solely for safety warning systems. AH9673PRR-0110 AH9673PR.DOC

20 Optional 13 Insurance (Continued) 5. For injury or damage that is intentionally caused by you, a household member or anyone else using your auto with your consent. Part 5. Optional Bodily Injury to Others Under this Part, we will pay damages to people injured or killed in accidents if you or a household member is legally responsible for the accident. We will also pay damages if someone else using your auto with your consent is legally responsible for the accident. The damages we will pay are the amounts the injured person is entitled to collect for bodily injury through a court judgment or settlement. This Part is similar to Compulsory Bodily Injury To Others (Part 1). Like the Compulsory Part, this Part pays for accidents involving your auto in Massachusetts. Also like the Compulsory Part, this Part does not pay for the benefit of anyone using an auto without the consent of the owner. Unlike the Compulsory Part, this Part does provide coverage for injuries to guest occupants and for accidents occurring outside Massachusetts. In addition, we will not pay: 1. For injuries to employees of the person using the auto who are injured in the course of employment. 2. For injuries resulting from an accident while a household member, other than your spouse, is using an auto which you or any household member owns or uses regularly, unless a premium for this Part is shown for that auto on the Coverage Selections Page. 3. For injuries resulting from an accident while you or your spouse, if a household member, are using an auto which you or your spouse, if a household member, own or use regularly unless a premium for this Part is shown for that auto on the Coverage Selections Page. 4. While any auto is being used by anyone in the course of his or her employment in the business of selling, servicing, repairing, or parking autos. This exclusion does not apply to the ownership, maintenance or use of your auto by you or a household member. 5. While anyone is using a vehicle in the course of any business other than the business of selling, servicing, repairing or parking autos. This exclusion does not apply to private passenger autos, or to pick-up trucks, vans, or similar vehicles having a gross vehicle weight of less than 10,000 pounds and not used for the delivery or transportation of goods or materials unless such use is incidental to your business of installing, maintaining, or repairing furnishings or equipment. AH9673PRR-0110 AH9673PR.DOC

21 14 Optional Insurance (Continued) If the accident occurs in any other state or in a Canadian province and you have purchased any coverage at all under this Part, your policy will automatically apply to that accident as follows: If the state or province has: 1. A financial responsibility law or similar law specifying limits of liability for bodily injury or property damage higher than the limits you have purchased, your policy will provide the higher specified limits. 2. A compulsory insurance or similar law requiring your auto to have insurance whenever it is used in the state or province, your policy will provide at least the required minimum amounts and types of coverage. The limits shown for this Part on the Coverage Selections Page are the total limits you have under Compulsory Bodily Injury to Others (Part 1) and this Part. This means that the Compulsory limits are included within the limits shown on the Coverage Selections Page for this Part and are not in addition to them. The most we will pay for injuries to one or more persons as a result of bodily injury to any one person in any one accident is shown on the Coverage Selections Page as the "per person" limit for the auto involved in that accident. Subject to this limit, the most we will pay for injuries to two or more people as the result of bodily injury to two or more people in any one accident is shown on the Coverage Selections Page as the "per accident" limit for the auto involved in that accident. This is the most we will pay as the result of a single accident no matter how many autos or premiums are shown on the Coverage Selections Page. If someone covered under this Part is using an auto he or she does not own at the time of the accident, the owner's auto insurance must pay its limits before we pay. Then, we will pay for any damages not paid by that insurance, up to the policy limits shown on your Coverage Selections Page. However, if the claim is covered by us and another auto policy, we will pay only our proportionate share of those damages not paid by the owner's auto insurance. Any payments we make to anyone or for anyone under Bodily Injury Caused By An Uninsured Auto (Part 3) will reduce the amount of damages that person is entitled to recover from anyone covered under this Part. We will also pay up to $250 for the cost of bail bonds required as a result of an accident covered under this Part including bail bonds for traffic law violations related to the accident. AH9673PRR-0110 AH9673PR.DOC

22 Optional 15 Insurance (Continued) We must sell you limits up to $35,000 per person and $80,000 per accident if you want to buy them. Higher limits may be purchased if agreed upon by you and by us. However, while an auto covered under this Part is being operated in any prearranged or organized racing, speed, stunting or demolition contest or activity or in practice or preparation for any such contest or activity, the most we will pay is the required minimum limits. Part 6. Medical Payments Under this Part, we will pay reasonable expenses for necessary medical and funeral services incurred as a result of an accident. We will pay for expenses resulting from bodily injuries to anyone occupying your auto at the time of the accident. We will also pay for expenses resulting from bodily injuries to you or any household member if struck by an auto or if occupying someone else's auto at the time of the accident. We will not pay for expenses resulting from injuries to: 1. Anyone injured while in a vehicle which had been placed off the public roads for use as a residence. 2. Anyone injured in the course of employment in selling, servicing, repairing or parking autos if that person is entitled to workers' compensation benefits. 3. Anyone employed by you or your spouse who is injured in the course of employment. This exception does not apply to any domestic employee who is not entitled to any workers' compensation benefits. 4. Anyone injured while occupying an auto without a reasonable belief that he or she had the consent to the owner to do so. 5. A household member, other than your spouse, while occupying or struck by an auto owned or regularly used by you or any household member unless a premium for this Part is shown for that auto on the Coverage Selections Page. 6. You or your spouse, if a household member, while occupying or struck by an auto owned or regularly used by you or your spouse unless a premium for this Part is shown for that auto on the Coverage Selections Page. We will not pay for expenses incurred more than two years after the date of the accident. We will not pay under this Part for any expenses that are payable, or would have been payable except for a deductible, under the PIP coverage of this policy or any other Massachusetts auto policy. AH9673PRR-0110 AH9673PR.DOC

23 16 Optional Insurance (Continued) The most we will pay for any one person as a result of any one accident is shown on the Coverage Selections Page. This is the most we will pay as the result of a single account no matter how many autos or premiums are shown on the Coverage Selections Page. If someone covered under this Part is also entitled to Medical Payments coverage under another auto policy issued to you or any household member, we will pay only our proportionate share. If someone covered under this Part is using an auto he or she does not own at the time of the accident, the owner's automobile Medical Payments insurance must pay its limit before we pay. Then, we will pay up to the limit shown on your Coverage Selections Page for any expenses not covered by that insurance. We will not pay benefits under this Part which duplicate payments made under the Medical Payments coverage of any other auto policy. We must sell you limits of $5,000 per person if you want to buy them. Higher limits may be purchased if agreed upon by you and us. However, while an auto covered under this Part is being operated in a prearranged or organized racing, speed, stunting or demolition contest or activity or in practice or preparation for any such contest or activity, the most we will pay is the required minimum limits. Part 7. Collision Under this Part, we will pay for any direct and accidental damage to your auto caused by a collision. We will also pay for collision damage to other private passenger autos while being used by you or a household member with the consent of the owner. It does not matter who is at fault We will pay the cost to physically repair the auto or any of its parts up to the actual cash value of the auto or any of its parts at the time of the collision. The most we will pay will be either the actual cash value of the auto or the cost to physically repair the auto, whichever is less. We will, at our option, repair the auto, repair or replace any of its parts, or declare the auto a total loss. If the repair of a damaged part will impair the operational safety of the auto we will replace the part. In all cases we will subtract the deductible amount you selected. Unless you selected a different amount, the law sets your deductible at $500. Your deductible is shown on the Coverage Selections Page. However, we will not pay for damage to any auto which is owned or regularly used by you or a household member unless a premium for this Part is shown for that auto on the Coverage Selections Page. We will not pay if an accident occurs while an auto covered under this Part is being operated in any prearranged or organized racing, speed, stunting or demolition contest or activity or in practice or preparation for any such contest or activity We will not pay for a collision loss for an accident which occurs while your auto is being operated by a household member who is not listed as an operator on this policy. Payment is withheld when the household AH9673PRR-0110 AH9673PR.DOC

24 Optional 17 Insurance (Continued) member, if listed, would require the payment of additional premium on this policy because: 1. the household member would be classified as an inexperienced operator, or 2. more points would be assigned under a merit rating plan. You must notify us within 60 days after a person who will operate your auto becomes a household member, if that person was not a household member on the effective date of your policy. In the same manner, you must notify us if a household member, who will operate your auto, becomes a licensed operator. If we pay for the total loss of your auto, we will suspend the Collision Coverage for that auto until it passes a Motor Vehicle Inspection Test. Camper bodies are not covered under this Part unless specifically shown on the Coverage Selections Page or by endorsement. An additional premium will be charged for insuring a camper body. If an auto covered under this Part is not owned by you at the time of the accident, the owner's auto insurance must pay its limit before we pay. Then, we will pay, up to the limit shown on your Coverage Selections Page, for any damage not covered by that insurance less the deductible amount you selected. Part 8. Limited Collision Under this Part, we will pay in some situations for direct and accidental damage to your auto caused by a collision. We will also pay in these situations for damage to other private passenger autos while being used by you or a household member with the consent of the owner. We will pay the cost to physically repair the auto or any of its parts up to the actual cash value of the auto or any of its parts at the time of collision. The most we will pay will be either the actual cash value of the auto or the cost to physically repair the auto, whichever is less. We will, at our option, repair the auto, repair or replace any of its parts, or declare the auto a total loss. If the repair of a damaged part will impair the operational safety of the auto we will replace the part. In all cases, we will subtract the deductible amount you selected. Unless you selected a different amount, the law sets your deductible at $500. Your deductible is shown on the Coverage Selections Page. We will not pay for damage to any auto which is owned or regularly used by you or a household member unless a premium for this Part is shown for that auto on the Coverage Selections Page. We will not pay if an accident occurs while an auto covered under this Part is being operated in any prearranged or organized racing, speed, stunting or demolition contest or activity or in practice or preparation for any such contest or activity. AH9673PRR-0110 AH9673PR.DOC

25 18 Optional Insurance (Continued) We will not pay for a loss for an accident which occurs while your auto is being operated by a household member who is not listed as an operator of this policy. Payment is withheld when the household member, if listed, would require the payment of additional premium on this policy because: 1. the household member would be classified as an inexperienced operator; or 2. more points would be assigned under a merit rating plan. You must notify us within 60 days after a person who will operate your auto becomes a household member if that person was not a household member on the effective date of your policy. In the same manner, you must notify us if a household member, who will operate your auto, becomes a licensed operator. The protection under this Part is not as broad as under Collision coverage but the premium is considerably less. We only pay under this Part for multiple car accidents in which the driver of the auto we are covering was no more than 50% at fault. We will not pay if the owner of the other auto cannot be identified. After a claim under this Part we are required to determine whether the driver of the auto we are covering was more than 50% at fault. We will notify you of our determination. As long, as the driver of the auto covered under this Part was not more than 50% at fault, his or her percentage of fault will not affect the amount of our payment. We will consider the driver of the auto covered under this Part to be no more than 50% at fault if: 1. That auto was legally parked when struck by another auto. 2. That auto was struck in the rear by another auto moving in the same direction. 3. The operator of the other auto was convicted of certain violations listed in Massachusetts law or any similar law of another state in which the accident occurs. However, we will not pay if the operator of the auto covered under this Part was also convicted of one of the same violations. 4. That driver is entitled to recover in court against an identified person for some reason other than those listed above. If we pay for the total loss of your auto, we will suspend the Limited Collision Coverage for that auto until it passes a Motor Vehicle Inspection Test. AH9673PRR-0110 AH9673PR.DOC

26 Optional 19 Insurance (Continued) Camper bodies are not covered under this Part unless specifically shown on the Coverage Selections Page or by endorsement. An additional premium will be charged for insuring a camper body. If an auto covered under this Part is not owned by you at the time of the accident, the owner's auto insurance must pay its limit before we pay. Then, we will pay, up to the limit shown on your Coverage Selections Page, for any damage not covered by that insurance less the deductible amount you selected. Part 9. Comprehensive Under this Part, we will pay for direct and accidental damage to or loss of your auto other than damage caused by collision. We will also pay for such damage or loss to other private passenger autos while being used by you or a household member with the consent of the owner. We will pay the cost to physically repair the auto or any of its parts up the actual cash value of the auto or any of its parts at the time of loss. The most we will pay will be either the actual cash value of the auto or the cost to physically repair the auto, whichever is less. We will, at our option, repair the auto, repair or replace any of its parts, or declare the auto a total loss. If the repair of a damaged part will impair the operational safety of the auto we will replace the part. We will reimburse you for substitute transportation expenses if your auto is stolen. In all cases we will subtract the deductible amount you selected. Unless you selected a different amount, the law sets your deductible at $500. Your deductible does not apply to glass breakage or substitute transportation expenses following a theft. We will not pay for such damage or loss to any auto which is owned or regularly used by you or a household member unless a premium for this Part is shown for that auto on the Coverage Selections Page. We will not pay if an accident occurs while an auto covered under this Part is being operated in any prearranged or organized racing, speed, stunting or demolition contest or activity or in practice or preparation for any such contest or activity. This Part is not a substitute for Collision (Part 7) or Limited Collision (Part 8). We consider glass breakage when not involving other collision loss, and the following types of losses to be Comprehensive and not Collision losses: losses caused by vandalism, fire and theft, missiles, falling objects, larceny, explosion, earthquake, windstorm, hail, water, flood, malicious mischief, riot or contact with a bird or animal. AH9673PRR-0110 AH9673PR.DOC

27 20 Optional Insurance (Continued) If your auto is stolen, you must report the theft to us and the police. We will reimburse you only for transportation expenses incurred after the first 48 hours following those reports. We will not pay for transportation expenses incurred prior to that time. After that, we will reimburse you up to $15 a day to a maximum of $450. Your right to reimbursement stops on the day your auto is located or before that time if we pay you for the theft loss. If you choose not to rent an auto, we will reimburse you up to the same amount for taxicab fares, bus fares and other transportation expenses. If your auto is found, we will pay the cost of transporting it to your last address shown on the Coverage Selections Page. However, our total payment for transporting the auto and for repairs will not be more than the actual cash value of the auto. If your auto is damaged by fire, you must report the loss to us and the fire department. Massachusetts law requires that if we pay for the total loss of your auto as a result of a fire or theft, we may suspend coverage for a fire or theft loss under this Part for any replacement auto unless it is made reasonably available for our inspection within two Registry of Motor Vehicles business days following the day you acquired it. We may also raise your deductible unless you install an approved anti-theft device in the replacement auto. Camper bodies are not covered under this Part unless specifically shown on the Coverage Selections Page or by endorsement. An additional premium will be charged for insuring a camper body. If an auto covered under this Part is not owned by you at the time of the accident, the owner's auto insurance must pay its limit before we pay. Then, we will pay, up to the limit shown on your Coverage Selections Page, for any damage or loss not covered by that insurance less the deductible amount you selected. Part 10. Substitute Transportation Under this Part, we will reimburse you in certain situations up to the limits shown on your Coverage Selections Page. We will reimburse you if your auto was in a collision and is being repaired or replaced. We will also reimburse you if your auto cannot be used because of the kind of damage or loss, including theft, that is covered under Comprehensive (Part 9). We will not make any payments unless you lose the use of your auto for at least 24 hours. We will pay only for a period of time which is reasonable for having your auto repaired or replaced. AH9673PRR-0110 AH9673PR.DOC

28 Optional 21 Insurance (Continued) If your auto is stolen, you must report the theft to us and the police. We will reimburse you only for transportation expenses incurred after the first 48 hours following those reports. We will not pay for transportation expenses incurred prior to that time. Under Comprehensive (Part 9) there is also substitute transportation coverage when your auto is stolen. If you purchase both Comprehensive and $15/$450 limits under this Part, Comprehensive will pay first until its coverage is no longer available. Then this Part will pay. If you purchase $30/$900 limits under this Part, the most we will pay under Comprehensive (Part 9) and this Part is up to $30 a day to a maximum of $900. If you purchase $45/$1,350 limits under this Part, the most we will pay under Comprehensive (Part 9) and this Part is up to $45 a day to a maximum of $1,350. If you purchase $100/$3,000 limits under this Part, the most we will pay under Comprehensive (Part 9) and this Part is up to $100 a day to a maximum of $3,000. The Coverage here will not duplicate any Comprehensive payments. If you choose not to rent an auto, we will reimburse you up to the same amounts for taxicab fares, bus fares and other transportation expenses. Part 11. Towing and Labor Part 12. Bodily Injury Caused By An Underinsured Auto Under this Part, we will pay up to the limit shown on your Coverage Selections Page for towing and labor costs incurred each time your auto is disabled. We will pay only for labor done at the scene to the extent that the labor was needed to get your auto going. We will not pay for the cost of repair parts. Sometimes an owner or operator of an auto legally responsible for an accident is underinsured. Under this Part, we will pay damages for bodily injury to people injured or killed as a result of certain accidents caused by someone who does not have enough insurance. We will only pay if the injured person is legally entitled to recover from the owners or the operators of all underinsured autos. Such injured person has a claim under this Part when the limits for automobile bodily injury liability insurance covering the owners and operators of the legally responsible autos are: 1. Less than the limits shown for this Part on your Coverage Selections Page; and 2. Not sufficient to pay for the damages sustained by the injured person. AH9673PRR-0110 AH9673PR.DOC

29 22 Optional Insurance (Continued) We will pay damages to or for: 1. You, while occupying your auto, while occupying an auto you do not own, or if injured as a pedestrian. 2. Any household member, while occupying your auto, while occupying an auto not owned by you, or if injured as a pedestrian. If there are two or more policies which provide coverage at the same limits, we will only pay our proportionate share. We will not pay damages to or for any household member who has a Massachusetts auto policy of his or her own or who is covered by a Massachusetts auto policy of another household member providing underinsured auto insurance with higher limits. 3. Anyone else while occupying your auto. We will not pay damages to or for anyone else who has a Massachusetts auto policy of his or her own or who is covered by a Massachusetts auto policy of another household member providing underinsured auto coverage. 4. Anyone else for damages he or she is entitled to recover because of injury to a person covered under this Part. If you are injured while occupying your auto and you have two or more autos insured with us with different limits, we will only pay up to the limits shown on your Coverage Selections Page for the auto you are occupying when injured. If you are injured as a pedestrian or while occupying an auto you do not own and have two or more Massachusetts auto policies which provide coverage at different limits, the policy with the higher limits will pay. If there are two or more policies which provide coverage at the same limits, we will only pay our proportionate share. We will not pay to or for: 1. You, while occupying an auto you own unless a premium charge is shown for that auto on your Coverage Selections Page. 2. Anyone injured while occupying your auto while it is being used as a public or livery conveyance. This does not apply to the use of your auto in a share-the-expense car pool arrangement or in an expense reimbursement program either as a volunteer or at work. 3. Anyone injured while using an auto without the consent of the owner. 4. Anyone injured while an auto is being operated in any prearranged or organized racing, speed, stunting or demolition contest or activity or in practice or preparation for any such contest or activity. 5. Any household member if struck by, or while occupying an auto owned by that household member which does not have Massachusetts compulsory auto insurance. AH9673PRR-0110 AH9673PR.DOC

30 Optional 23 Insurance (Continued) We will reduce the damages an injured person is entitled to recover by: 1. The total amount collected from the automobile bodily injury liability insurance covering the legally responsible owners and operators of all insured autos. 2. The amount recovered from any legally responsible person provided the injured person is fully compensated for his or her damages for bodily injury. 3. The amount paid under a workers' compensation law or similar law. 4. Any expenses that are payable or would have been payable, except for a deductible, under the PIP coverage of this policy or any other Massachusetts auto policy. If only one person sustains bodily injury, we will pay any unpaid damages up to the difference between the total amount collected from the automobile bodily injury liability insurance covering the legally responsible owners and operators of all insured autos and the "per person" limit shown for this Part on your Coverage Selections Page. This is the most we will pay for injuries to one or more persons as the result of bodily injury to any one person in any one accident. Subject to the "per person" limit, if two or more people sustain bodily injury and are entitled to coverage under this Part, we will pay any unpaid damages up to the difference between the automobile bodily injury liability insurance "per accident" limit covering the legally responsible owners and operators and the "per accident" limit shown for this Part on your Coverage Selections Page. This is the most we will pay for injuries to two or more people as the result of bodily injury to two or more people in any one accident. The determination as to whether an injured person is legally entitled to recover damages from the legally responsible owner or operator will be by agreement between us and the injured person. The amount of damages, if any, will be determined in the same way. Arbitration will be used if no agreement can be reached. However, in no event may a demand for arbitration constitute first notice of claim. We must be given sufficient notice of claim to conduct a reasonable investigation and attempt settlement before arbitration can be filed. If an injured person settles a claim as a result of an accident covered under this Part, we will pay that person only if the claim was settled with our consent. We will not be bound under this Part by any judgment resulting from a lawsuit brought without out written consent. We will not, however, unreasonably withhold our consent. The limits of two or more autos or policies shall not be added together, combined or stacked, to determine the limits of coverage available to anyone covered under this Part, regardless of the number of autos involved, persons covered, claims made, or premiums shown on the Coverage Selections Page. We will not make payments under this Part which duplicates payments under the underinsured auto insurance of any other auto policy. This Part will not benefit any insurer or self-insurer under a workers' compensation law or any similar law. AH9673PRR-0110 AH9673PR.DOC

31 24 1. Where You Are Covered 2. Our Duty To Defend You And Our Right To Settle General Provisions and Exclusions This section of the policy contains general provisions which, unless otherwise noted, apply to all your coverages. It also describes some situations in which policy benefits will not be paid. Compulsory Bodily Injury To Others (Part 1) only covers accidents in Massachusetts. All the other Parts provide coverage for accidents and losses which happen in the United States or Canada. We consider United States territories and possessions and Puerto Rico to be part of the United States. We will pay for accidents and losses which happen while your auto is being transported between ports of the United States and Canada. Your auto is not covered in any other country. We have the right to defend any lawsuit brought against anyone covered under this policy for damages which might be payable under this policy. We also have a duty to defend any such lawsuit, even if it is without merit, but our duty to defend ends when we tender, or pay to any claimant or to a court of competent jurisdiction, with the court's permission, the maximum limits of coverage under this policy. We may end our duty to defend at any time during the course of the lawsuit, by tendering, or paying the maximum limits of coverage under the policy, without the need for a judgment or settlement of the lawsuit or a release by the claimant. We have the right to settle any claim or lawsuit as we see fit. If any person covered under this policy settles a claim without our consent, we will not be bound by that settlement. 3. Additional Costs We Will Pay We will pay, in addition to the limits shown for Compulsory and Optional Bodily Injury To Others (Parts 1 and 5) and Damage to Someone Else's Property (Part 4): A. Premiums on appeal bonds and premiums on bonds to release attachments for an amount up to the applicable limits you selected in any suit we defend. B. Interest that accrues after judgment is entered in any suit we defend. We will not pay interest that accrues after we have offered to pay up to the limits you selected. C. Up to $40 a day for loss of earnings, but not for loss of other income, to any person covered under this policy who attends hearings or trials at our request. D. Other reasonable expenses incurred at our request. AH9673PRR-0110 AH9673PR.DOC

32 General Provisions 25 And Exclusions (Continued) 4. What Happens If You Die If you die, we will continue coverage for the period of this policy for: A. Your spouse, if a resident of your household at your death. B. Any legal representative to the extent he or she is responsible for maintenance or use of your auto. C. Any person having proper temporary custody of your auto. 5. Our Right To Be Repaid Sometimes we may make a payment under this policy to you or to someone else who has a separate legal right to recover damages from others. In that case, those legal rights may be exercised by us. Anyone receiving payment under those circumstances must do nothing to interfere with those rights. He or she must also do whatever is necessary to help us recover for ourselves up to the amount we have paid. If we then recover more than we paid, we will pay that person the excess, less his or her proportionate share of the costs of recovery, including reasonable attorney's fees. Any amount recovered, because of a payment we make under Part 3 or Part 12 of this policy, shall first be applied to any unpaid damages due that person. Such unpaid damages must be a part of a claim settled with our consent or a part of a judgment resulting from a lawsuit brought with our written consent. Any balance then remaining shall be applied to the amounts we have paid under Part 3 or Part 12. We will reduce the amount we will pay that person by his or her proportionate share of the costs of recovery including reasonable attorney's fees. Sometimes you or someone else may recover money from the person legally responsible for an accident and also receive money from us for the same accident. If so, the amount we paid must be repaid to us to the extent that you or someone else recovers. If you or someone else recover money from the person legally responsible for the accident and also receive money from us for the same accident as a payment under Part 3 or Part 12 of this policy, we must be repaid for any amounts so paid but only to the extent that such recovery exceeds any unpaid damages due that person under a claim settled with our consent or judgment resulting from a lawsuit brought with our written consent. Whenever we are entitled to repayment from anyone, the amount owed us can be reduced by our proportionate share of the costs of recovering the money, including reasonable attorneys' fees. In either case we do not have to be repaid for any money we have paid under Medical Payments (Part 6). AH9673PRR-0110 AH9673PR.DOC

33 26 General Provisions And Exclusions (Continued) 6. When You Have More Than One Auto Policy With Us 7. If You Go Bankrupt 8. We Do Not Pay For Nuclear Losses Or War Losses 9. We Do Not Pay For Ordinary Wear Or Tear 10. If We Pay For A Total Loss 11. Repair And Payment After A Collision or Loss; If We Disagree On The Amount of Damage (Parts 7, 8 and 9) You may have more than one policy with us covering the same accident. In that case, the most we will pay is the highest amount payable under the applicable coverage in any one of those policies. However, claims made under Bodily Injury Caused By An Uninsured Auto (Part 3) and Bodily Injury Caused By An Underinsured Auto (Part 12) are treated differently. The difference is explained in the description of the coverage for that Part. Bankruptcy or insolvency of any person covered under this policy does not relieve us of any of our obligations under this policy. We will not pay under Damage To Someone Else's Property (Part 4) and Optional Bodily Injury To Others (Part 5) for any person who is an insured under a nuclear energy liability policy. The same is true for a person who would be an insured under such a policy had it not already exhausted its limits. We will not pay under Medical Payments (Part 6), Collision, Limited Collision or Comprehensive (Parts 7, 8 and 9) for losses or damage caused by radioactive contamination or by acts of war, insurrection, rebellion or revolution or any act incident to any of these. We will not pay for damage to your auto which is due solely to ordinary wear and tear, freezing, mechanical or electrical failure, or for ordinary road damage to tires. We will, however, pay for this damage if it is the result of some other loss which is covered by this policy. If we pay for the total loss of your auto, we have the right, if we so choose, to take title to that auto. We also have the right, if we so choose, to take any damaged part for which we pay. Under Collision, Limited Collision and Comprehensive (Parts 7, 8 and 9), you must allow us to have the auto appraised after a collision or loss. If we have a direct payment plan approved by the Commissioner of Insurance, we will pay you in accordance with the appraisal and allow you to select a repair shop of your choice. If you choose not to have your auto repaired, or if we do not receive your Repair Certification Form, or, when requested, you do not make your auto available for reinspection within a reasonable period of time following repair, our payments automatically reduce the actual cash value of your auto if you have further claims. If you later give us proof of proper repair, the actual cash value will be increased. If you choose not to accept payment under our direct payment plan or we do not have such a plan, and you have your auto repaired in accordance with the appraisal, you must send us a Completed Work Claim Form. We must pay you within 7 days after receiving the form. AH9673PRR-0110 AH9673PR.DOC

34 General Provisions 27 And Exclusions (Continued) If we fail to pay you within 7 days after receipt of the Completed Work Claim Form, you have the right to sue us. If a court decides that we were unreasonable in refusing to pay you on time, you are entitled to double the amount of damage plus costs and reasonable attorneys' fees. If you request us to, we will pay the repair shop directly, however, the repair shop must certify that it meets certain requirements. If you choose not to have your auto repaired, or if we do not receive your Completed Work Claim Form, we will determine the amount of decrease in the actual cash value of your auto and pay you that amount less your deductible. Our payment automatically reduced the actual cash value of your auto if you have further claims. If you later give us proof of proper repair, the actual cash value will be increased. We have a right to inspect all repairs. Sometimes there may be a disagreement as to the amount of money we owe for losses or damage to an auto. If so, Massachusetts law provides for a method of settling the disagreement. Either you or we can, within 60 days after you file your proof of loss, demand in writing that appraisers be selected. The appraisers must then follow a procedure set by law to establish the amount of damage. Their decision will be binding on you and us. You and we must share the cost of the appraisal. 12. Sales Tax Under Collision, Limited Collision and Comprehensive (Parts 7, 8 and 9) we will pay, subject to your deductible, all sales taxes applicable to the loss of an auto or damage to an auto. 13. Secured Lenders When your Coverage Selections Page shows that a lender has a secured interest in your auto, we will make payments under Collision, Limited Collision and Comprehensive (Parts 7, 8 and 9) according to the legal interests of each party. The secured lender's right of payment will not be invalidated by your acts or neglect except that we will not pay if the loss of or damage to your auto is the result of conversion, embezzlement, or secretion by you or any household member. Also, we will not pay the secured lender if the loss of or damage to your auto is the result of arson, theft or any other means of disposal committed by you or at your direction. When we pay any secured lender we shall, to the extent of our payment have the right to exercise any of the secured lender's legal rights of recovery. If you do not file a proof of loss as provided in this policy, the secured lender must do so within 30 days after the loss or damage becomes known to the secured lender. AH9673PRR-0110 AH9673PR.DOC

35 28 General Provisions And Exclusions (Continued) In order for us to cancel the rights of any secured lender shown on the Coverage Selections Page, a notice of cancellation must be sent to the secured lender as provided in this policy. 14. No Benefits To Anyone In The Auto Business 15. If Two Or More Autos Are Insured Under This Policy Coverage under Collision, Limited Collision and Comprehensive (Parts 7, 8 and 9) shall not in any way benefit any person or organization having possession of your auto for the purpose of servicing, repairing, parking, storing, or transporting it or for any similar purpose. Two or more autos may be insured under this policy. There may be different limits for each auto. If so, when someone covered under this policy is injured while a pedestrian or is using an auto other than your auto at the time of the accident, the most we will pay under any applicable Part is the highest limit shown for that Part for any one auto on your Coverage Selections Page. 16. Trailers When a trailer is attached to an auto we consider the auto and trailer together to be one auto in applying the limits shown on the Coverage Selections Page under Bodily Injury To Others, Damage To Someone Else's Property and Optional Bodily Injury To Others (Parts 1, 4 and 5). 17. Premiums For Extensions Or Renewals 18. False Information 19. Changes Which Affect Premium 20. Pre- Insurance Inspection The premium we will charge for any extension or renewal of this policy will be in accordance with our rates and rules in effect at the time of the effective date of the extension or renewal. If you or someone on your behalf gives us false, deceptive, misleading or incomplete information in any application or policy change request and if such false, deceptive, misleading or incomplete information increases our risk of loss, we may refuse to pay claims under any or all of the Optional Insurance Parts of this policy. Such information includes the description and the place of garaging of the vehicles to be insured, the names of all household members and customary operators required to be listed and the answers given for all listed operators. We may also limit our payments to those amounts that we are required to sell under Part 3 and Part 4 of this policy. If the information contained in your application changes before this policy expires, we have the right to adjust your premium to reflect such changes. You must inform us of any changes which may have a material effect on your insurance coverage or premium charges, including the description, ownership, type of usage and place of garaging of your auto and the household members and individuals who customarily operate your auto. Massachusetts law requires that we inspect certain motor vehicles before providing coverage for Collision, Limited Collision, or Comprehensive (Parts 7, 8 or 9). The required inspection of your auto may be deferred in some cases for ten calendar days (not including legal holidays and Sundays) following the effective date of coverage, or the date on which Form B was mailed, whichever is later. If you do not have your auto inspected within the time allowed, coverage for that auto will be automatically suspended. Your premium will be adjusted if the suspension lasts more than ten days. AH9673PRR-0110 AH9673PR.DOC

36 Cancellation and 29 Renewal Cancellation Cancellation of this policy is something you should ordinarily have no reason to worry above. You can cancel any of the Optional Insurance Parts at any time by giving us or your agent at least twenty days written notice. Because all of the Compulsory Insurance Parts are required, you cannot cancel any of them separately. You can, of course, cancel all of the Compulsory Insurance Parts by giving us or your agent at least twenty days written notice. We can cancel all of any part of this policy including your Compulsory Insurance if: 1. You have not paid your premium on this policy. 2. We find that you were responsible for fraud or material misrepresentation when you applied for this policy or any extension or renewal of it. 3. Your driver's license or auto registration has been under suspension or revocation during the policy period. We can cancel Collision (Part 7) and Comprehensive (Part 9) on a vehicle: 1. customarily driven by or owned by persons who have within the last five years been convicted of vehicular homicide, auto related fraud, or auto theft, or 2. customarily driven by or owned by persons who have within the last five years made an intentional and material misrepresentation in making claim under those coverages, or 3. customarily driven or owned by persons who have within the last three years, been convicted of any category of driving under the influence of alcohol or drugs, or 4. for which a salvage title has been issued by the Registrar of Motor Vehicles unless a new certificate of title has been issued in accordance with Massachusetts law, or 5. designated as a "high-theft vehicle" which does not have at least a minimum antitheft or auto recovery device as prescribed by the Commissioner of Insurance. We may likewise cancel: 1. Collision (Part 7) on a vehicle customarily driven by or owned by persons who, within three years preceding the effective date of this policy, have been involved in four or more at-fault auto accidents. An at-fault auto accident is one in which you or any person who customarily drives your auto was more than 50% at fault; and AH9673PRR-0110 AH9673PR.DOC

37 30 Cancellation And Renewal (Continued) 2. Comprehensive (Part 9) on a vehicle customarily driven by or owned by persons who have two or more total auto theft or fire insurance claims within the three years immediately preceding the effective date of this policy. If the driver's license or auto registration of anyone residing in your household who usually operates your auto has been under suspension or revocation during the policy period, we may suspend coverage for that person under any of the Optional Insurance Parts of the policy. We may also reduce the limits available for that person under Bodily Injury Caused By An Uninsured Auto (Part 3) and Damage To Someone Else's Property (Part 4) to the minimum limits we are required to sell. We can cancel Towing And Labor (Part 11) for reasons other than those listed above if we do so within the first 90 days of the policy period. We can cancel, in the same manner, coverage limits which are higher than the limits we are required by law to sell you and any coverages designed to reduce the deductibles set by law. Automatic Termination Massachusetts law provides that your policy automatically terminates and a Notice of Cancellation will not be sent to you when: 1. You return the registration plates for your auto to the Registry of Motor Vehicles. 2. You purchase a new policy with another company covering your auto and a new Certificate of Insurance is filed with the Registry of Motor Vehicles. 3. You transfer title to your auto, and you do not register another auto. In this case, the policy will terminate 30 days from the date of transfer of title. However, if more than one auto is described on the Coverage Selections Page, the termination of coverage applies only to the auto involved in any of the situations described above. Legal Notice Requirement Any notice of cancellation will be sent to you at your last address shown on the Coverage Selections Page at least 20 days prior to the effective date. A notice sent by regular mail for which a certificate of mailing receipt has been obtained from the United States Postal Service, will be considered sufficient notice. AH9673PRR-0110 AH9673PR.DOC

38 Cancellation 31 And Renewal (Continued) In order for us to cancel the rights of any secured lender shown on the Coverage Selections Page, a notice of cancellation must also be sent to the secured lender in a similar manner. If we cancel this policy in its entirety, the cancellation is not effective unless we send the required notice to the Registry of Motor Vehicles. If we cancel, the amount of your refund will be determined by a pro rata table based on the number of days the policy was in effect. If the policy is canceled by you or by law, you will get a refund which is less than proportional to the time involved. It will be based instead on a "short rate" table which compensates us for our expenses in servicing your policy. No refund of premium will be sent to you upon cancellation of the policy until we receive a receipt showing that the registration plates assigned to the insured motor vehicle have been returned to the Registry of Motor Vehicles or other document showing that you have replaced the insurance required by law. If you think that we have canceled your policy illegally, you can appeal to the Board of Appeals on Motor Vehicle Liability Policies and Bonds. Your cancellation notice will explain how to appeal. Renewal If we decide not to renew this policy or any of its Parts, we must mail our notice to your agent or to you at your last address shown on the Coverage Selections Page at least 45 days before your policy runs out. A notice sent by regular mail for which a certificate of mailing receipt has been obtained from the United States Postal Service will be considered sufficient notice. If we require a renewal application, and you fail to complete and return it to us within the specified time, we then have the right to cancel the renewal policy. AH9673PRR-0110 AH9673PR.DOC

39 32 First Help Any Injured Person Second Notify The Police, Registry Or Fire Department Third, File The Claim With Us When There is An Accident Or Loss Call an ambulance or the police and, of course, cooperate with them. Do whatever is reasonable to protect the automobile from further damage or loss. We will pay for any reasonable expenses incurred in doing this. Under Massachusetts law, notice to the local or state police and the Registry of Motor Vehicles is required within 5 days if there is anyone injured in an accident, no matter how slight the injury, or if there is reason to believe that there has been over $1,000 in total property damage. Within 24 hours, notify both the police and us if your auto is stolen or if you have been involved in a hit-and-run accident. You must report a fire loss to the fire department. The notice to the police or the fire department must be on the form required by law. We do not know about accidents or losses until you or someone else notifies us. We, or our agent, must be notified promptly of the accident or loss by you or someone on your behalf. The notification should include as many details as possible, including names and addresses of drivers, injured persons and witnesses. If you or any person seeking payment under this policy fail to notify us promptly of any accident or claim under Parts 2, 3, 6, or 12 of this policy, we may not be required to pay claims under any of these parts. If you are filing a claim for damage to your auto, you or someone on your behalf must file a proof of loss within 91 days after the accident. Fourth, Cooperate With Us After an accident or loss, you or anyone else covered under this policy must cooperate with us in the investigation, settlement and defense of any claim or lawsuit. We must be sent copies of all legal documents in connection with the accident or loss. We may also require you and any person seeking payment under any part of this policy to submit to an examination under oath at a place designated by us, within a reasonable time after we are notified of the claim. If anyone makes a claim or seeks payment under Personal Injury Protection, Bodily Injury Caused By An Uninsured Auto, Medical Payments, or Bodily Injury Caused By An Underinsured Auto (Parts 2, 3, 6 or 12), we have a right to require that person to be examined by doctors selected by us. If anyone seeks continuing payments under any of these Parts, we may also require additional examinations at reasonable intervals. We will pay for these examinations. We must also be authorized to obtain medical reports and other records pertinent to the claim. Failure to cooperate with us may result in the denial of the claim. AH9673PRR-0110 AH9673PR.DOC

40 Remember: Defensive Driving Can Save Your Life And Your Money AH9673PRR-0110 AH9673PR.DOC

41 AMERICAN BANKERS INSURANCE COMPANY OF FLORIDA A STOCK INSURANCE COMPANY Quail Roost Drive, Miami, FL (305) Administrative Office: American Collectors Insurance, Inc. P.O. Box 8343, Cherry Hill, NJ (800) VEHICLE / COVERAGE SCHEDULE MASSACHUSETTS NO. YEAR TRADE NAME BODY TYPE MODEL IDENTIFICATION NO. COVERAGE AMOUNT OTHER THAN COLLISION COLLISION PART COVERAGES - LIMITS AUTO PREMIUM AUTO PREMIUM AUTO PREMIUM AUTO PREMIUM AUTO PREMIUM AUTO PREMIUM AUTO PREMIUM AH9675ERR-0110 AH9675

42 AMERICAN BANKERS INSURANCE COMPANY OF FLORIDA A STOCK INSURANCE COMPANY Quail Roost Drive, Miami, FL (305) Administrative Office: American Collectors Insurance, Inc. P.O. Box 8343, Cherry Hill, NJ (800) MASSACHUSETTS ENDORSEMENT MPY-0039-S $100 GLASS DEDUCTIBLE Under Comprehensive, the provision which states that the deductible does not apply to glass breakage is replaced for any auto to which this endorsement applies as shown on the Coverage Selections Page as follows: We will pay for glass breakage but in all cases We will subtract the deductible amount of $100. If you have glass breakage and other damages to your auto that is covered by your Comprehensive Coverage (Part 9), this $100 glass deductible is in addition to the deductible you selected for your Comprehensive Coverage (Part 9). AJ8333ERR-0110 Page 1 of 1

43 AMERICAN BANKERS INSURANCE COMPANY OF FLORIDA A STOCK INSURANCE COMPANY Quail Roost Drive, Miami, FL (305) Administrative Office: American Collectors Insurance, Inc. P.O. Box 8343, Cherry Hill, NJ (800) OPERATOR EXCLUSION FORM I am aware that under the terms of my Massachusetts Automobile Insurance Policy, if I, or someone on my behalf, provide false, deceptive, misleading or incomplete information in any application or policy change request, and if such false, deceptive, misleading or incomplete information increase the company s risk of loss, the company may refuse to pay claims under any or all of the Optional Insurance Parts of this policy. Such information includes the description and the place of garaging the vehicles to be insured, the names of all household members and customary operators required to be listed and the answers given for all listed operators. Payments under Part 3 and 4 may also be limited to those amounts that the company is required to sell. In addition, I am aware Massachusetts law requires that the company withhold payment of a Collision or Limited Collision loss if the insured auto is being operated by a household member who is not listed as an operator on my policy. Payment is withheld when the household member, if listed, would require the payment of additional premium on my policy because the household member would be classified as an inexperienced operator or would require payment of additional premium on my policy under the Merit Rating Plan. It is agreed that the person named below will not operate the vehicle(s) described below, or any replacement thereof, under any circumstances whatsoever. Excluded Operator Vehicle Description Vehicle Description Excluded Operator s Signature Policyholder s Signature Date Date N

44 AMERICAN BANKERS INSURANCE COMPANY OF FLORIDA [A STOCK INSURANCE COMPANY] [Home Office: Quail Roost Drive, Miami, FL ] [Administrative Office: American Collectors Insurance, Inc Kings Hwy. No., Cherry Hill, NJ ] Towing & Labor for Collectors Plan (TLC Plan) - Massachusetts EMERGENCY EXPENSE COVERAGE ENDORSEMENT This Endorsement is designed for the insured whose collector vehicle has an emergency condition that occurs away from the garaging address and should not be construed as a repair or maintenance service. It reimburses you for the expenses described when an emergency condition occurs to a covered auto. In return for an additional premium, we will provide the coverage: (1) for the Plan indicated on the Coverage Selection Page; and (2) to the vehicle(s) listed on the Coverage Selection Page. SILVER PLAN The following coverages apply to this plan and are subject to the exclusions shown in Section V. I. $100 Emergency Towing: You will be reimbursed up to a maximum of $100 per disablement if your vehicle does not start or will not operate under its own power without causing damage. You will need to contact the facility of your choice and submit a claim to us for reimbursement. Emergency Towing Service covers a maximum of 3 breakdowns per policy term. No further reimbursement will be provided for the remainder of the annual policy term if you exceed this limit. II. $50 Roadside Assistance: You will be reimbursed up to a maximum of $50 per disablement if your vehicle is disabled and unable to be driven under its own power as defined below. You will need to contact the facility of your choice and submit a claim to us for reimbursement. Emergency Roadside Assistance covers a maximum of 3 breakdowns per policy term. No further reimbursement will be provided for the remainder of the annual policy term if you exceed this limit. Vehicle does not start: Minor emergency mechanical adjustments and battery boost at the point of disablement. Flat Tire: Service call to repair your tire or install your inflated spare. (If you have no spare or if your spare is flat, no reimbursement is available for the cost of a replacement tire.) Stuck: Service to extricate your vehicle from a ditch, snow, mud, or sand. (Cannot be used for everyday snow removal.) In need of liquids or parts: Service to deliver an emergency supply of gas, oil or water, or other materials or parts needed to get your vehicle back on the road. III. $50 Emergency Lockout: You will be reimbursed up to $50 for locksmith assistance if you are locked out of your insured vehicle, providing the following conditions apply: 1. An itemized receipt or statement from a commercial locksmith service or other service facility, detailing the amount charged for lockout service must be included when filing an Emergency Lockout Claim. 2. You must be with your vehicle at time of lockout. 3. Private citizen s assistance is not reimbursable. IV. Lost Key: When you purchase this coverage you will be provided with a registered numbered key ring card. If your key is lost, return postage is guaranteed and paid by us when placed in the U.S. mail. Upon receipt of the lost key, we will contact you and return your key. V. Exclusions: 1. Disablement which occurs to vehicles not listed on the Coverage Selection Page; 2. Disablement occurs at the address where the vehicle is principally garaged; 3. Storage of vehicles or rental of towing equipment; 4. Towing by other than a licensed service station or garage; 5. Towing or service on stolen, unlicensed, illegally parked or impounded vehicles; 6. The cost of any liquids, parts, materials or services received at a garage or service facility; 7. Service on personal use, non-collectible automobiles, mobile homes, taxicabs, tractors, trucks, boats, camping, travel or other trailers, motorcycles, motor scooters, public conveyance vehicles on display for sale or any other purpose vehicles used in competition or for commercial purposes. GOLD PLAN The following coverages apply to this plan and are subject to the exclusions shown in Section X. I. $150 Emergency Towing: You will be reimbursed up to a maximum of $150 per disablement if your vehicle does not start or will not operate under its own power without causing damage. You will need to contact the facility of your choice and submit a claim to us for reimbursement. Emergency Towing Service covers a maximum of 3 breakdowns per policy term. No further reimbursement will be provided for the remainder of the annual policy term if you exceed this limit. II. $100 Roadside Assistance: You will be reimbursed up to a maximum of $100 per disablement if your vehicle is disabled and unable to be driven under its own power as defined below. You will need to contact the facility of your choice and submit a claim to us for reimbursement. Emergency Roadside Assistance covers a maximum of 3 breakdowns per term. No further reimbursement will be provided for the remainder of the term if you exceed this limit. AB1106EPC-0110 Page 1 of 4

45 Vehicle does not start: Minor emergency mechanical adjustments and battery boost at the point of disablement. Flat Tire: Service call to repair your tire or install your inflated spare. (If you have no spare or if your spare is flat, no reimbursement is available for the cost of a replacement tire.) Stuck: Service to extricate your vehicle from a ditch, snow, mud, or sand. (Cannot be used for everyday snow removal.) In need of liquids or parts: Service to deliver an emergency supply of gas, oil or water, or other materials or parts needed to get your vehicle back on the road. III. $50 Emergency Lockout: You will be reimbursed up to $50 for locksmith assistance if you are locked out of your insured vehicle, providing the following conditions apply: IV. 1. An itemized receipt or statement from a commercial locksmith service or other service facility, detailing the amount charged for lockout service must be included when filing an Emergency Lockout Claim. 2. You must be with your vehicle at time of lockout. 3. Private citizen s assistance is not reimbursable. Lost Key: When you purchase this coverage you will be provided with a registered numbered key ring card. If your key is lost, return postage is guaranteed and paid by us when placed in the U.S. mail. Upon receipt of the lost key, we will contact you and return your key. V. $250 Emergency Travel Expense: If the insured vehicle is disabled as a result of an accident or mechanical failure which occurs 50 miles or more from your home, you will be reimbursed up to $50 per day for five days (120 hours) from the time of disablement while your vehicle is being repaired, for a maximum of $250 for any combination of expenses for meals, lodging, car rental or carrier transportation. If the disablement is due to an accident, the accident must be reported to state or local police, and a copy of the report must be submitted with your request for reimbursement. Emergency Travel Expense covers a maximum of 2 breakdowns per policy term. No further reimbursement will be provided for the remainder of the annual policy term if you exceed this limit. VI. Car Rental: refers to automobiles obtained from a bona fide car rental agency for use while your vehicle is being repaired. Local Meals and Lodging: must be purchased in the vicinity of station, garage or body shop where your vehicle is being repaired. Carrier Transportation: refers to a common carrier licensed to carry passengers for hire, used for transportation to your destination or home. Accident: refers to the actual colliding of an automobile driven by you with another vehicle or object. $2,500 Theft Reward: Place your important Theft Reward Decal on the left back window near your front door as a warning to any would-be thief and alert passersby. If your car is stolen, we will assist in its recovery by paying a $2,500 reward for information leading to the arrest and conviction of the person who stole your car. (This reward is not payable to you or your immediate family or law officers.) VII. $250 Personal Effects: If your car is stolen or vandalized, we will reimburse you up to $250 for any personal effects (does not include automobile parts) stolen or damaged. There must be an incident report made to the state or local police. VIII. $100 Ambulance Assistance: Should you require the need of an ambulance as a result of a vehicle accident, you will be reimbursed up to $100 to offset the cost. This coverage is not restricted to your own car. You will be reimbursed for ambulance assistance if the accident occurs while: 1. You are in your own car; 2. You are riding in a common carrier such as a bus, train or taxi; or 3. You are hit by another vehicle. IX. $100 Car Show Expenses: If your vehicle is disabled due to an accident or mechanical breakdown and as a result you are unable to attend a Car Show, we will reimburse you up to a maximum of $100 for each occurrence for nonrefundable: 1. Car show registration fee; and 2. Hotel expenses. In order to be reimbursed, you must submit receipts containing the name address and telephone number of the company charging the expenses. Car Show Expense covers a maximum of 2 events per policy term. No further reimbursement will be provided for the remainder of the annual policy term if you exceed this limit. X. Exclusions: 1. Disablement which occurs to vehicles not listed on the Coverage Selection Page; 2. Disablement occurs at the address where the vehicle is principally garaged; 3. Storage of vehicles or rental of towing equipment; 4. Towing by other than a licensed service station or garage; 5. Towing or service on stolen, unlicensed, illegally parked or impounded vehicles; 6. The cost of any liquids, parts, materials or services received at a garage or service facility; 7. Service on personal use, non-collectible automobiles, mobile homes, taxicabs, tractors, trucks, boats, camping, travel or other trailers, motorcycles, motor scooters, public conveyance vehicles on display for sale or any other purpose vehicles used in competition or for commercial purposes. PLATINUM PLAN The following coverages apply to this plan and are subject to the exclusions shown in Section XIV. I. $250 Emergency Towing: You will be reimbursed up to a maximum of $250 per disablement if your vehicle does not start or will not operate under its own power without causing damage. You will need to contact the facility of your choice and submit a claim to us for reimbursement. Emergency Towing Service covers a maximum of 3 breakdowns per policy term. No further reimbursement will AB1106EPC-0110 Page 2 of 4

46 II. be provided for the remainder of the annual policy term if you exceed this limit. $150 Roadside Assistance: You will be reimbursed up to a maximum of $150 per disablement if your vehicle is disabled and unable to be driven under its own power as defined below. You will need to contact the facility of your choice and submit a claim to us for reimbursement. Emergency Roadside Assistance covers a maximum of 3 breakdowns per term. No further reimbursement will be provided for the remainder of the annual policy term if you exceed this limit. Vehicle does not start: Minor emergency mechanical adjustments and battery boost at the point of disablement. Flat Tire: Service call to repair your tire or install your inflated spare. (If you have no spare or if your spare is flat, no reimbursement is available for the cost of a replacement tire.) Stuck: Service to extricate your vehicle from a ditch, snow, mud or sand. (Cannot be used for everyday snow removal.) In need of liquids or parts: Service to deliver an emergency supply of gas, oil or water, or other materials or parts needed to get your vehicle back on the road. III. $50 Emergency Lockout: You will be reimbursed up to $50 for locksmith assistance if you are locked out of your insured vehicle, providing the following conditions apply: IV. 1. An itemized receipt or statement from a commercial locksmith service or other service facility, detailing the amount charged for lockout service must be included when filing an Emergency Lockout Claim. 2. You must be with your vehicle at time of lockout. 3. Private citizen s assistance is not reimbursable. Lost Key: When you purchase this coverage you will be provided with a registered numbered key ring card. If your key is lost, return postage is guaranteed and paid by us when placed in the U.S. mail. Upon receipt of the lost key, we will contact you and return your key. V. $500 Emergency Travel Expense: If the insured vehicle is disabled as a result of an accident or mechanical failure which occurs 50 miles or more from your home, you will be reimbursed up to $100 per day for five days (120 hours) from the time of disablement while your vehicle is being repaired, for a maximum of $500 for any combination of expenses for meals, lodging, car rental or carrier transportation. If the disablement is due to an accident, the accident must be reported to state or local police, and a copy of the report must be submitted with your request for reimbursement. Emergency Travel Expense covers a maximum of 2 breakdowns per policy term. No further reimbursement will be provided for the remainder of the annual policy term if you exceed this limit. Car Rental: refers to automobiles obtained from a bona fide car rental agency for use while your vehicle is being repaired. VI. Local Meals and Lodging: must be purchased in the vicinity of station, garage, or body shop where your vehicle is being repaired. Carrier Transportation: refers to a common carrier licensed to carry passengers for hire, used for transportation to your destination or home. Accident: refers to the actual colliding of an automobile driven by you with another vehicle or object. $5,000 Theft Reward: Place your important Theft Reward Decal on the left back window near your front door as a warning to any would-be thief and alert passersby. If your car is stolen, we will assist in its recovery by paying a $5,000 reward for information leading to the arrest and conviction of the person who stole your car. (This reward is not payable you or your immediate family or law officers.) VII. $500 Personal Effects: If your car is stolen or vandalized, we will reimburse you up to $500 for any personal effects (does not include automobile parts) stolen or damaged. There must be an incident report made to the state or local police. VIII. $250 Ambulance Assistance: Should you require the need of an ambulance as a result of a vehicle accident, you will be reimbursed up to $250 to offset the cost. This coverage is not restricted to your own car. You will be reimbursed for ambulance assistance if the accident occurs while: 1. You are in your own car; 2. You are riding in a common carrier such as a bus, train or taxi; or 3. You are hit by another vehicle. IX. $150 Car Show Expenses: If your vehicle is disabled due to an accident or mechanical breakdown and you are unable to attend a Car Show, we will reimburse you up to a maximum of $150 for non-refundable: 1. Car show registration fee; and 2. Hotel expenses. In order to be reimbursed, you must submit receipts containing the name address and telephone number of the company charging the expenses. Car Show Expense covers a maximum of 2 events per policy term. No further reimbursement will be provided for the remainder of the annual policy term if you exceed this limit. X. $5,000 Bail Bond: If you are arrested for a traffic violation and must post bail to stay out of jail or ensure your appearance in court, you will be reimbursed for the bail bond premium for a required bond up to $5, Commission of a felony, driving without a valid operator s permit or under the influence of alcohol, drugs or narcotics are excluded. XI. $1,000 Legal Defense Benefit: If you must appear in court as a result of a traffic violation, you will be reimbursed up to a maximum of $1,000 per occurrence for the fee charged by an attorney of your choice to defend you according to the following schedule: Reckless Driving: Trial - $100, Appeal - $100 Manslaughter: Trial - $400, Appeal - $200 Other Traffic Violations: Trial - $50, Appeal - $50 AB1106EPC-0110 Page 3 of 4

47 Exclusions: 1. Fines and forfeitures; 2. Commission of a felony; 3. Driving without a valid operator s permit; or 4. Driving under the influence of alcohol, drugs or narcotics. XII. $1,000 Hit and Run Reward: We will pay for information leading to the arrest and conviction of a hit-and-run driver who damages your covered auto or injures you while in your covered auto - up to $1,000. (This reward is not payable to the you or your immediate family or law officers.) XIII. TrailerGuard: If the covered auto is being moved by a trailer or the trailer is being hauled by the covered auto and the trailer is disabled you are entitled to a maximum benefit of $150 per disablement as defined below. You will need to contact the facility of your choice and submit a claim to us for reimbursement. TrailerGuard coverage covers a maximum of 2 disablements per policy term. No further reimbursement will be provided for the remainder of the annual policy term if you exceed this limit. Towing: If the trailer cannot be used without causing damage, including disablement as a result of an accident. Flat Tire: Service call to install your inflated spare. Stuck: Service to extricate the trailer from a ditch, snow, mud or sand. (Cannot be used for everyday snow removal.) In need of liquids or parts: Service to deliver an emergency supply of gas, oil or water, or other materials or parts needed to get the trailer back on the road. Lockout Service: If your keys are lost or you are locked out of the trailer, we will reimburse you for locksmith assistance. XIV. Exclusions 1. Disablement which occurs to vehicles not listed on the Coverage Selection Page; 2. Disablement occurs at the address where the vehicle is principally garaged; 3. Storage of vehicles or rental of towing equipment; 4. Towing by other than a licensed service station or garage; 5. Towing or service on stolen, unlicensed, illegally parked or impounded vehicles; 6. The cost of any liquids, parts, materials or services received at a garage or service facility; 7. Service on personal use, non-collectible automobiles, mobile homes, taxicabs, tractors, trucks, boats, camping, travel or other trailers, motorcycles, motor scooters, public conveyance vehicles on display for sale or any other purpose vehicles used in competition or for commercial purposes. AB1106EPC-0110 Page 4 of 4

48 AMERICAN BANKERS INSURANCE COMPANY OF FLORIDA [A STOCK INSURANCE COMPANY] [11222 Quail Roost Drive, Miami, FL (305) ] [Administrative Office: American Collectors Insurance, Inc.] [P.O. Box 8343, Cherry Hill, NJ (800) ] A STOCK INSURANCE COMPANY HEREIN CALLED THE COMPANY INCORPORATED UNDER THE LAWS OF FLORIDA READ YOUR POLICY CAREFULLY ANTIQUE & COLLECTIBLE VEHICLE POLICY In Witness Whereof, we have caused this policy to be executed and attested, and, if required by state law, this policy shall not be valid unless countersigned by our authorized representative. AJ9898JPC-0808

49 THIS POLICY JACKET TOGETHER WITH THE PERSONAL AUTO POLICY, DECLARATIONS AND ENDORSEMENTS, IF ANY, ISSUED TO FORM A PART THEREOF, COMPLETES THIS POLICY. AJ9898JPC-0808

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73 ANTIQUE AUTO MANUAL MASSACHUSETTS (Includes General Rules and Rate Pages) I. DEFINITIONS APPLICABLE TO GENERAL RULES A. An Antique Vehicle means a motor vehicle which is: 1. at least 25 years and greater (from when the policy was issued); 2. used primarily for exhibitions; club activities; parades; or other functions of public interest; and 3. not used for the transportation of persons or goods or for general transportation. 4. driven no more than 2,500 or 5,000 miles in any one 12-month period, depending upon the mileage tier selected. B. A Motor Vehicle means a motorized vehicle of the private passenger auto, motorcycle, pick-up truck type including collector farm tractors designed for use on public roads. C. Liability refers only to Bodily Injury and Property Damage coverages. D. Split Limit Liability refers to separate limits of liability for Bodily Injury and Property Damage. E. Collision Coverage refers to the upset of the covered auto or its impact with another vehicle or object. F. Comprehensive Coverage refers to other than collision damage to a motor vehicle. II. ELIGIBILITY A Personal Auto Policy shall be used to afford coverage to Antique motor vehicles as described in Rule I if: A. they are written on a specified auto basis; and B. they are owned by an individual or by his or her spouse who are residents of the same household. III. PREMIUM DETERMINATION Bodily Injury Liability, Property Damage Liability, Medical Payments, Personal Injury Protection, Comprehensive, and Collision premiums are determined in the following manner; Refer to the Rate Pages or applicable rule to determine the rate for: A. Split Limit Liability for the limit of liability selected and number of motor vehicles to be insured. B. Medical Payments depending on the number of motor vehicles to be insured. C. Uninsured and/or Underinsured Motorist Coverage depending on the limit of liability selected and the number of motor vehicles to be insured. D. Comprehensive and Collision (Physical Damage) coverages. Multiply the rate from the Rate Pages by the amount of coverage desired (expressed in hundreds of dollars) to determine the premium. E. Any additional state specific coverages. IV. MINIMUM PREMIUM RULE A. The minimum premium charge is $30 for a policy, certificate, or declaration providing one or more of the following coverages: 1. Bodily Injury or Property Damage Split Limit Liability; 2. Personal Injury Protection (Including Pedestrian Personal Injury Protection) 3. Comprehensive; or 4. Collision. Note: This minimum annual premium charge is not subject to reduction. B. Premium for other coverages that may also be included in the policy, certificate, or declaration shall be in addition to the minimum annual premium in IV.A. above. Page 1 AMERICAN BANKERS INSURANCE COMPANY OF FLORIDA EDITION 12/09 AB#AA#MA

74 V. POLICY PERIOD Policies are written for 12 months at a time. VI. CHANGES If an outstanding policy is amended and results in a minimal premium adjustment as determined by the Company, the amount may be waived, except that the actual return premium shall be returned at the request of the insured. The applicable Minimal Premium is $5.00. The Company need not refund the minimal premium if the insured requests the following: A. Cancellation of coverage; B. Reduction of limits of liability; or C. Increase in deductible. Note: If the limits of liability are increased because of a change in the limits prescribed under the Massachusetts Financial Responsibility Law, the additional premium charge shall be the actual difference in premium charges. VII. CANCELLATION AND NON-RENEWAL CANCELLATION A. If a policy, vehicle or form of coverage is cancelled: 1. by the Company, the return premium will be computed on a pro rata basis; 2. by the insured: a. The return premium will be computed at 90% of the pro rata unearned premium for one year, subject to the minimum earned premium of $30. b. Exception: The return premium will be computed on a pro rata basis in the following cases: 1. The insured cancels the policy within the first 30 days from the date on which the policy becomes effective or the date on which the insured receives the policy documents, whichever is later; 2. The insured cancels the policy within 30 days after the date on which the insured motor vehicle is stolen or destroyed, if the loss to the motor vehicle is a total loss or total constructive loss; or, within 15 days of the time the auto was determined by the Company to be: (a) unrecoverable if stolen; or (b) to be a total or constructive loss. The return premium, if any, shall be calculated from the day following the date of loss; 3. The insured cancels the policy because of entry into the military service of the United States of America; 4. The insured cancels a policy issued through the Massachusetts residual market plan (if applicable) because coverage has been obtained in the voluntary market; 5. If the insured has disposed of the insured vehicle and takes out a new policy with the Company on another vehicle to become effective within 30 days of the date of cancellation; 6. In a multi-vehicle situation: a. If one vehicle is cancelled from the policy and the policy remains in force on the other vehicle(s); or b. If a policy is cancelled and there remains in force with the Company in the name of the insured or spouse a concurrent policy covering another vehicle; 7. If a vehicle or form of coverage is cancelled from a policy and the policy remains in force. 3. A minimum earned premium of $30 will be retained in all cases, except flat cancellations. 4. Any return premium associated with the unexpired portion of the term of the cancelled policy shall be delivered to the insured within 30 days of the effective date of cancellation. 5. The Company is required to notify the MA Registrar of Motor Vehicles of the cancellation of a motor vehicle policy, whether initiated by the Company or the insured, in accordance with the procedures prescribed by the Registrar. If a policy is reinstated after issuing a notice of cancellation, the Company must notify the Registrar of that fact. B. How to use the Pro Rata Table 1. Express the date of the cancellation by year and decimal part of a year by combining the calendar year with the decimal appearing opposite the month and day in the Pro Rata Table, for example April 2, 1996 would be expressed as In a like manner, express the effective date of the policy by year and decimal part of a year and subtract from the cancellation date. Page 2 AMERICAN BANKERS INSURANCE COMPANY OF FLORIDA EDITION 12/09 AB#AA#MA

75 3. The difference represents the percentage of the annual premium which is to be retained by the Company. Example: Cancellation date of September 26, Effective date April 2, Earned premium for a 12-month policy will therefore be.485 times the annual premium. Note: As it is not customary to charge for the extra day that occurs every four years (February 29), the Pro Rata Table will also be used for each such year. NON-RENEWAL A. The Company is also required to send notice of nonrenewal to the MA Registrar of Motor Vehicles at least 45 days prior to the expiration of the policy in accordance with the Registrar's procedures. If the Company reinstates a policy after issuing a notice of nonrenewal it must notify the Registrar of Motor Vehicles of such reinstatement. B. If the Company sends a non-renewal notice and then subsequently renews the policy, it must, at the insured s request, issue insurance coverage of at least the same type and amount as existed on the nonrenewed policy. VIII. REMOVAL OF COVERAGE At the request of the named insured, all coverage except for comprehensive coverage will be removed. Exception Coverage will not be removed every year due to winter storage. IX. COVERAGES A. MANDATORY 1. Uninsured Motorists Coverage (UM) UM must be afforded at limits not less than the financial responsibility limits under every auto liability policy issued to the owner of a motor vehicle registered or principally garaged in Massachusetts. If Uninsured Motorists Coverage is afforded, it shall apply to all vehicles insured on the policy. Increased Limits Increased limits of UM may be offered up to the policy s Split Limit Liability limits, subject to a maximum of $250,000/500,000. Exception The named insured may reject increased limits, in writing, but not the minimum limit coverage of $20,000/40,000. If the named insured fails to communicate this election, in writing, the increased limits are presumed to be rejected. Rates Rates for basic and increased limits Bodily Injury Uninsured Motorists Coverage are displayed on the rate pages. 2. Personal Injury Protection (PIP) - $8,000 Medical Expense Limit Any eligible motor vehicle rated in accordance with these rules shall be afforded Personal Injury Protection Coverage as prescribed by Massachusetts. PIP coverage cannot be rejected. PIP has a Medical Expense Limit of $8,000 (or $2,000 maximum if other health/disability insurance is in force). It includes: - Work Loss up to 75% of average weekly wage; (subject to $8,000/per aggregate limit); Page 3 AMERICAN BANKERS INSURANCE COMPANY OF FLORIDA EDITION 12/09 AB#AA#MA

76 - Essential Services subject to maximum of $8,000/person; - Funeral Expenses (included in Medical Expenses). Exception Basic PIP benefits do not apply to Antique Motorcycles or other similar vehicles designed to travel on fewer than four wheels. However, PIP will be afforded to pedestrians if struck by an insured motorcycle. Deductibles The applicable Deductibles and Rates options for the insured and/or members of the household are as follows: Deductible Amount One Car Two Cars Three or more $ $ $ $1, $2, B. OPTIONAL 1. Underinsured Motorists Coverage (UIM) UIM shall be offered as an option to the insured at limits up to the Split Liability limits of the policy. When UIM Coverage is afforded, it must apply to all vehicles insured under the policy. Exception The named insured has the right to reject UIM Coverage in writing. If the named insured fails to communicate this election, in writing, the coverage is presumed to be rejected. Rates Rates for basic and increased limits of Bodily Injury Underinsured Motorists Coverage are displayed on the rate pages. 2. Medical Payments Medical Payments coverage shall be offered at a limit of $5,000 per person under every auto liability policy. It will be afforded at the option of the named insured. 3. Basic Towing and Labor (Up to $25) Towing and Labor (T&L) costs for autos disabled on roadways is offered as an option for $4.00 additional premium. Note: T&L costs from the insured s own garage are not covered. X. MISCELLANEOUS TYPES Antique Motorcycles are eligible only for Pedestrian Personal Injury Protection coverage with a $0 deductible. Bodily Injury Liability coverage does not apply to owners or guest passengers of an insured motorcycle. Rates Rates are displayed on the rate pages. XI. DISCOUNTS A. Senior Principal Operator(s) Discount A 25% discount is applicable to the total policy premium. A principal operator must be 65 years or older. There must not be any operators with less than 10 years driving experience for this discount to apply. B. Passive Restraint Devices Page 4 AMERICAN BANKERS INSURANCE COMPANY OF FLORIDA EDITION 12/09 AB#AA#MA

77 A 25% discount applies to Personal Injury Protection, Uninsured and Underinsured Motorists and Medical Payments coverage for Antique vehicles equipped with air bags and/or automatic seat belts. C. Anti-Theft Devices - Discounts apply to Comprehensive coverage only. Definitions: Passive describes an anti-theft or system which is activated automatically when the operator turns the ignition key to the off position. Alarm, except where otherwise specified, means horn, bell, siren, or other sounding device which is audible at 300 feet. Note: The Company may require reasonable evidence of installation of any anti-theft device but may not refuse to grant a discount to a qualifying device solely on the grounds that it was installed by the owner of the auto. Vehicles equipped with Anti-Theft Devices as defined below are entitled to a 5% Discount: 1. Steering Column Armored Collar This device is similar to an oversized padlock which clamps on to the steering column over the ignition lock and prevents access to it. This device, when locked prevents the vehicle from being started or if the vehicle is hot-wired and started, this device prevents it from being steered. When not in use, this device does not attach to the steering column. 2. Steering Wheel Removal Lock This device prevents steering movement of the vehicle from a parked position. This is a high security steering wheel lock assembly manufactured of hardened steel components, which allows removal of the steering wheel from the vehicle. The assembly is permanently attached to the vehicle s steering column and is located between the column and the steering wheel. Operation of the lock is controlled by a high security configured key. Unlocking the assembly will permit removal of the steering wheel from the vehicle. A fitted security plate is then inserted onto the lock assembly in place of the steering wheel and the lock s security key is then removed. Re-attachment of the steering wheel onto the lock assembly requires use of the security key to first remove the fitted security plate and then to attach the steering wheel. The security key can be removed from the lock assembly only after either the security plate or steering wheel have been locked into place. 3. Ignition or Starter Cut-off Switch in Combination with Flush or Tapered Door Lock Buttons. This device is an ignition cut-off switch (a.k.a. kill-switch ) or a starter cut-off switch which is inserted into the ignition wiring of an auto. The switch is tripped when leaving the auto and must be switched back in order to start the auto. The switch must be installed so that it is not visible from the driver s position when the driver is seated. In addition, the vehicle must contain flush or tapered door lock buttons on all doors. A sticker may be used to identify the system. 4. Ignition or Start Cut-off Switches The ignition or starter cut-off switches either must be designed so that the wires leading from the switch to the engine compartment are protected by armored tubing or cable, or operate passively. 5. Non-Passive, Externally-Operated Alarm This is a non-passive warning alarm which is installed in the auto and can be set to go off if any door, the trunk or the hood is opened without first turning off the alarm by inserting a key into a lock mounted on the outside of the auto. Vehicles equipped with the following devices are entitled to a 15% discount: 1. Window Identification System A window identification system is one in which identification letters and/or numbers are etched by sandblasting, chemical process or other permanent marking into all windows of the vehicle other than the small vent windows. Provisions must be made for immediate telephone identification of the owner of the vehicle any time of day or night. 2. Car Transmission Lock This device prevents the vehicle from moving from a parked position by locking the gear shift. A steel-encased lock is permanently attached to the floor of the vehicle by a steel stand. The shackle, made of case hardened alloy steel, fits around the gearshift and is inserted into the lock. The device must have a high security locking system with at least 50,000 combinations. The lock, shackle and stand must resist cutting and filing. Page 5 AMERICAN BANKERS INSURANCE COMPANY OF FLORIDA EDITION 12/09 AB#AA#MA

78 Vehicles equipped with following devices receive a 20% discount: 1. Passive Alarm System. This alarm must meet the following criteria: a. Ignition must be cut off automatically, or starter must be disabled automatically. b. Alarm must be triggered by entry of doors, hood or trunk. c. Hood must not open unless unlocked from inside the vehicle by a key, or by an electronic keyless device. d. Alarm must sound for no more than eight minutes and upon ceasing to sound must reset itself. e. Alarm must not emit a pulsating, whooping, or yelping sound which would cause it to be mistaken for the modern police, fire or other emergency vehicle siren. f. Alarm must be installed in the engine compartment so as to be inaccessible without opening hood. g. The system must be engaged passively by turning the ignition key to the off position. The disarm the system a tubular lock or electronic keyless device must be used. The maximum time delay permitted to disarm the system after re-entry is 20 seconds. 2. Passive Fuel Cut-Off Device. This fuel cut-off device is engaged by turning the ignition key to the off position. The driver must trip a switch to open the fuel line each time the vehicle is started. This device must meet the following criteria: a. The fuel line must be blocked when the power is off. b. Switch to open fuel line must be well hidden from view, but accessible to the driver from the driver s seat. In the alternative a tubular key or an electronic keyless device may be used. c. A parking/service attendant override switch may be provided. It must be well hidden from view. It must not be accessible from the passenger compartment; alternatively, if the override switch is accessible from the passenger compartment, a warning buzzer must sound (or the operator must be distracted in some other way) while the engine is running and the override switch engaged. If the buzzer is disconnected, it must result in disconnection of the entire anti-theft system. d. Any under-the-dash wiring installed in connection with this device must blend in color with factory-installed wiring. 3. Passive Ignition Lock Protective System This is casehardened steel, protective cap which fits over the ignition lock so as to prevent extraction of the ignition lock cylinder. The cap fastens to a steel collar which fits around the steering post and over the ignition lock. A sticker may be used to identify the system. 4. Vehicle Recovery System This is an electronic unit installed in a vehicle that is activated after that vehicle is stolen. When activated, the device provides information to law enforcement officials or another public or private entity regarding the vehicle s location. The system provides for the routine delivery of the information to the appropriate law enforcement organization to assist in the recovery of the vehicle. Note: If two or more qualifying devices are attached to a vehicle, the total discount shall be that applicable to the device meeting the standards for the highest discount. Page 6 AMERICAN BANKERS INSURANCE COMPANY OF FLORIDA EDITION 12/09 AB#AA#MA

79 MASSACHUSETTS - ANTIQUE AUTO 2,500 MILE TIER BODILY INJURY TO OTHERS LIMIT ONE CAR TWO CARS THREE OR MORE $ 20/40 $ 9 $ 13 $ 18 $ 50/100 $ 10 $ 15 $ 20 $ 100/300 $ 13 $ 19 $ 24 $ 250/500 $ 34 $ 51 $ 67 DAMAGE TO SOMEONE ELSE S PROPERTY $ 5 $ 6 $ 8 $ 12 $ 25 $ 7 $ 10 $ 13 $ 50 $ 8 $ 12 $ 16 $ 100 $ 23 $ 34 $ 45 MEDICAL PAYMENTS LIMIT ONE CAR TWO CARS THREE OR MORE $ 5,000 $ 6 $ 10 $ 12 PERSONAL INJURY PROTECTION ($8,000 Medical Expense - $0 Deductible) ONE CAR TWO CARS THREE OR MORE $ 5 $ 9 $ 10 BODILY INJURY CAUSED BY UNINSURED AUTOMOBILE LIMIT ONE CAR TWO CARS THREE OR MORE Basic $ 20/40 $ 8 $ 18 $ 26 50/100 $ 10 $ 20 $ /300 $ 21 $ 42 $ /500 $ 39 $ 77 $ 116 OPTIONAL COVERAGES LIMIT ONE CAR TWO CARS THREE OR MORE Basic $ 20/40 $ 7 $ 16 $ 23 50/100 $ 9 $ 18 $ /300 $ 19 $ 38 $ /500 $ 35 $ 70 $ 105 Page 7 AMERICAN BANKERS INSURANCE COMPANY OF FLORIDA EDITION 12/09 AB#AA#MA

80 PHYSICAL DAMAGE (STATED AMOUNT PER $100) AGE OF CAR ANTIQUES 25 YEARS AND GREATER FROM WHEN THE POLICY WAS ISSUED With Glass Without Glass COMPREHENSIVE Deductible* Deductible $300 Ded $500 Ded $1,000 Ded With or Without COLLISION Glass Deductible $300 Ded $500 Ded $1,000 Ded *Apply these rates when the $100 Safety Glass comprehensive deductible is selected. Page 8 AMERICAN BANKERS INSURANCE COMPANY OF FLORIDA EDITION 12/09 AB#AA#MA

81 MASSACHUSETTS - ANTIQUE AUTO 5,000 MILE TIER BODILY INJURY TO OTHERS LIMIT ONE CAR TWO CARS THREE OR MORE $ 20/40 $ 15 $ 22 $ 30 $ 50/100 $ 17 $ 25 $ 34 $ 100/300 $ 19 $ 28 $ 37 $ 250/500 $ 40 $ 61 $ 80 DAMAGE TO SOMEONE ELSE S PROPERTY $ 5 $ 10 $ 15 $ 20 $ 25 $ 12 $ 17 $ 23 $ 50 $ 13 $ 19 $ 25 $ 100 $ 27 $ 40 $ 54 MEDICAL PAYMENTS LIMIT ONE CAR TWO CARS THREE OR MORE $ 5,000 $ 9 $ 15 $ 18 PERSONAL INJURY PROTECTION (8,000 Medical Expense - $0 Deductible) ONE CAR TWO CARS THREE OR MORE $ 7 $ 12 $ 14 BODILY INJURY CAUSED BY UNINSURED AUTOMOBILE LIMIT ONE CAR TWO CARS THREE OR MORE Basic $ 20/40 $ 11 $ 22 $ 33 50/100 $ 15 $ 30 $ /300 $ 31 $ 62 $ /500 $ 54 $ 100 $ 159 OPTIONAL COVERAGES LIMIT ONE CAR TWO CARS THREE OR MORE Basic $ 20/40 $ 10 $ 20 $ 30 50/100 $ 13 $ 26 $ /300 $ 27 $ 54 $ /500 $ 50 $ 106 $ 150 Page 9 AMERICAN BANKERS INSURANCE COMPANY OF FLORIDA EDITION 12/09 AB#AA#MA

82 PHYSICAL DAMAGE (STATED AMOUNT PER $100) AGE OF CAR ANTIQUES 25 YEARS AND GREATER FROM WHEN THE POLICY WAS ISSUED With Glass Without Glass COMPREHENSIVE Deductible* Deductible $300 Ded $500 Ded $1,000 Ded With or Without COLLISION Glass Deductible $300 Ded $500 Ded $1,000 Ded *Apply these rates when the $100 Safety Glass comprehensive deductible is selected. Page 10 AMERICAN BANKERS INSURANCE COMPANY OF FLORIDA EDITION 12/09 AB#AA#MA

83 MASSACHUSETTS - ANTIQUE MOTORCYCLE 2,500 MILE TIER BODILY INJURY TO OTHERS LIMIT ONE CYCLE TWO CYCLES THREE OR MORE $ 20/40 $ 26 $ 47 $ 61 $ 50/100 $ 29 $ 53 $ 69 $ 100/300 $ 38 $ 65 $ 84 $ 250/500 $ 112 $ 201 $ 262 DAMAGE TO SOMEONE ELSE S PROPERTY $ 5 $ 17 $ 31 $ 41 $ 25 $ 20 $ 35 $ 46 $ 50 $ 26 $ 44 $ 56 $ 100 $ 75 $ 134 $ 174 PERSONAL INJURY PROTECTION (8,000 Medical Expense - $0 Deductible) ONE CYCLE TWO CYCLES THREE OR MORE $ 5 $ 9 $ 10 BODILY INJURY CAUSED BY UNINSURED MOTORCYCLE LIMIT ONE CYCLE TWO CYCLES THREE OR MORE Basic $ 20/40 $ 8 $ 18 $ 26 50/100 $ 10 $ 20 $ /300 $ 21 $ 42 $ /500 $ 39 $ 77 $ 116 OPTIONAL COVERAGES LIMIT ONE CYCLE TWO CYCLES THREE OR MORE Basic $ 20/40 $ 7 $ 16 $ 23 50/100 $ 9 $ 18 $ /300 $ 19 $ 38 $ /500 $ 35 $ 70 $ 105 PHYSICAL DAMAGE (STATED AMOUNT PER $100) AGE OF CYCLE 25 YEARS AND GREATER FROM WHEN THE POLICY WAS ISSUED COMPREHENSIVE $300 Ded $500 Ded $1000 Ded COLLISION $300 Ded $500 Ded $1,000 Ded Page 11 AMERICAN BANKERS INSURANCE COMPANY OF FLORIDA EDITION 12/09 AB#AA#MA

84 AMERICAN BANKERS INSURANCE COMPANY OF FLORIDA I. DEFINITIONS APPLICABLE TO GENERAL RULES 1. An Antique Vehicle means a motor vehicle, which is: ANTIQUE AUTO MANUAL MASSACHUSETTS (Includes General Rules and Rate Pages) 1. at least 25 years old; 2. used for exhibitions; club activities; parades; or other functions of public interest; 3. not used for general transportation; and 4. driven no more than 2,500 or 5,000 during an annual policy term, dependent upon the mileage tier selected. 2. A Collectible/Modified Vehicle means a motor vehicle, which is: 1. used for exhibitions; club activities; parades; or other functions of public interest; 2. not used for general transportation; and 3. driven no more than 2,500 or 5,000 during an annual policy term, dependent upon the mileage tier selected In addition to the items 1 through 4 above, the vehicle must also be one of the following: 5. at least 15 years old; or 6. a replica or kit car; or 7. a vehicle that was modified from its original specifications but retaining its structural integrity; or 8. a vehicle newer than 15 years, which is of limited production and has collector value. II. ELIGIBILITY A Personal Auto Policy shall be used to afford coverage to Antique motor vehicles as described in Rule I if: 1. they are written on a specified auto basis; and 2. they are owned by an individual or by his or her spouse who are residents of the same household. III. PREMIUM DETERMINATION Bodily Injury Liability, Property Damage Liability, Medical Payments, Personal Injury Protection, Agreed Value Comprehensive and Collision premiums are determined in the following manner: A. Refer to the Rate Pages to determine the rate for Split Limit Liability for the limit of liability selected and number of motor vehicles to be insured. B. Refer to the State Rate Pages to determine the rate for Medical Payments depending on the number of motor vehicles to be insured. C. Refer to the State Rate Pages to determine the rate for Uninsured and/or Underinsured Motorist Coverage depending on the limit of liability selected and the number of motor vehicles to be insured. D. Refer to the State Rate Pages to determine the rate for Agreed Value Comprehensive and Collision (Physical Damage) coverages. Multiply the rate from the State Rate Pages by the amount of coverage desired (expressed in hundreds of dollars) to determine the premium. E. Refer to the State Rate Pages, or State Exception Pages, to determine the cost of any additional state specific fees or coverages. Page 1 AMERICAN BANKERS INSURANCE COMPANY OF FLORIDA EDITION 04/10 AB#AA#MA

85 F. Refer to Section X: Surcharges and Discounts to determine any applicable discounts/surcharges applicable to the individual coverages above. Page 2 AMERICAN BANKERS INSURANCE COMPANY OF FLORIDA EDITION 04/10 AB#AA#MA

86 IV. MINIMUM PREMIUM RULE A. The minimum written premium charge for all coverages combined shall be $80. B. This minimum annual premium charge is not subject to reduction. V. POLICY PERIOD VI. CHANGES The policy term will be 12 months A. All changes requiring premium adjustments shall be computed pro rata. B. Adjustments of $5 or less: 1. If a policy is amended, and results in an additional premium adjustment of $5 or less, the amount shall be waived. 2. Minimum premium of $5 applies if an insured requests the following during the policy period: a. Additional coverage, b. An increase in the limits of liability. 3. Company need not refund a return premium of less than $5 if the insured requests the following: a. Cancellation of coverage, b. Reduction of limits of liability, c. Increase in deductible except that the actual return premium shall be returned at the request of the insured. 4. If the limits of liability are increased because of a change in the limits prescribed under the Massachusetts financial responsibility law, the additional premium charge shall be the actual difference in premium charges. VII. CANCELLATION AND NON-RENEWAL CANCELLATION A. If a policy, vehicle or form of coverage is cancelled: 1 by the Company, the return premium will be computed on a pro rata basis; 2. by the insured: a. for 12 month policy periods, compute the return premium at 90% of the pro rata unearned premium for one year, subject to the minimum earned premium of $50. b. Exception - The return premium will be computed on a pro rata basis in the following cases: 1. The insured cancels the policy within the first 30 days from the date on which the policy becomes effective or the date on which the insured receives the policy documents, whichever is later; 2. The insured cancels the policy within 30 days after the date on which the insured motor vehicle is stolen or destroyed, if the loss to the motor vehicle is a total loss or total constructive loss; or, within 15 days of the time the auto was determined by the Company to be: (a) uncoverable if stolen; or (b) to be a total or constructive loss. The return premium, if any, shall be calculated from the day following the date of loss; 3. The insured cancels the policy because of entry into the military service of the United States of America; 4. The insured cancels a policy issued through the Massachusetts residual market plan (if applicable) because coverage has been obtained in the voluntary market. 5) If the insured has disposed of the insured vehicle and takes out a new policy with the Company on another vehicle to become effective within 30 days of the date of cancellation. 6) In a multi-vehicle situation: a) If one vehicle is cancelled from the policy and the policy remains in force on the other vehicle(s); or b) If a policy is cancelled and there remains in force with the same Company in the name of the insured or spouse a concurrent policy covering another vehicle. 7) If a vehicle or form of coverage is cancelled from a policy and the policy remains in force. 3. A minimum earned premium of $50 will be retained in all cases, except flat cancellations. Page 3 AMERICAN BANKERS INSURANCE COMPANY OF FLORIDA EDITION 04/10 AB#AA#MA

87 4. Any return premium associated with the unexpired portion of the term of the cancelled policy shall be delivered to the insured within 30 days of the effective date of cancellation. 5. The Company is required to notify the MA Registrar of Motor Vehicles of the cancellation of a motor vehicle policy, whether initiated by the Company or the insured, in accordance with the procedures prescribed by the Registrar. If a policy is reinstated after issuing a notice of cancellation, the Company must notify the Registrar of that fact. B. How to use the Pro Rata Table 1. Express the date of the cancellation by year and decimal part of a year by combining the calendar year with the decimal appearing opposite the month and day in the Pro Rata Table, for example April 2, 1996 would be expressed as In a like manner, express the effective date of the policy by year and decimal part of a year and subtract from the cancellation date. 3. The difference represents the percentage of the annual premium which is to be retained by the Company. Example: Cancellation date of September 26, Effective date April 2, Earned premium for a 12 month policy will therefore be.485 times the annual premium. Note: As it is not customary to charge for the extra day that occurs every four years (February 29), the Pro Rata Table will also be used for each such year. NON-RENEWAL A. The Company is also required to send notice of nonrenewal to the MA Registrar of Motor Vehicles at least 45 days prior to the expiration of the policy in accordance with the Registrar's procedures. If the Company reinstates a policy after issuing a notice of nonrenewal it must notify the Registrar of Motor Vehicles of such reinstatement. B. If the Company sends a non-renewal notice and then subsequently renews the policy, it must, at the insured s request, issue insurance coverage of at least the same type and amount as existed on the nonrenewed policy. VIII. REMOVAL OF COVERAGE At the request of the named insured, all coverage except for comprehensive coverage will be removed. Exception: coverage will not be removed every year due to winter storage. IX. ENDORSEMENTS A. Operator Exclusion 1. Availability of a Operator Exclusion Endorsement A motor vehicle liability policy may contain a Operator Exclusion Endorsement. If so, the Operator Exclusion endorsement must specifically designate by name the individual or individuals to be excluded. 2. Additional Requirements a. The named insured and the excluded driver must acknowledge, in writing, the Operator Exclusion Endorsement. b. The Operator Exclusion endorsement should designate each vehicle under the policy where the named excluded driver shall not be covered under the policy. 3. Endorsements Attach the Operator Exclusion Endorsement to the policy. B. Towing & Labor for Collectors (TLC) Plans Emergency Expense Reimbursement Coverage Endorsement This optional endorsement provides increased Towing and Labor reimbursement coverage, in addition to reimbursement for other emergency roadside assistance options based on the plan selected. Coverage is provided for all vehicles listed on the policy declarations page Refer to State Rate Pages for rates. Page 4 AMERICAN BANKERS INSURANCE COMPANY OF FLORIDA EDITION 04/10 AB#AA#MA

88 1. Silver Plan a. $100 Emergency Towing b. $50 Roadside Assistance c. $50 Emergency Lockout d. Lost Key Return Service 2. Gold Plan a. $150 Emergency Towing b. $100 Roadside Assistance c. $50 Emergency Lockout d. Lost Key Return Service e. $250 Emergency Travel Expense f. $2,500 Theft Reward g. $250 Personal Effects h. $100 Ambulance Assistance i. $100 Car Show Expenses 3. Platinum Plan a. $250 Emergency Towing b. $150 Roadside Assistance c. $50 Emergency Lockout d. Lost Key Return Service e. $500 Emergency Travel Expense f. $5,000 Theft Reward g. $500 Personal Effects h. $250 Ambulance Assistance i. $150 Car Show Expenses j. $5,000 Bail Bond k. $1,000 Legal Defense Benefit l. $1,000 Hit and Run Reward m. TrailerGuard $150 each disablement Antique and Modified Autos are eligible for the Silver, Gold and Platinum Plans. Antique Motorcycles are only eligible for the Silver Plan. C. Spare Parts Coverage We will pay up to $500 for direct and accidental loss to spare parts and accessories to your covered auto. Base limit of $500 may be increased for an additional premium. Refer to State Rate Pages for additional premium. X. SURCHARGES & DISCOUNTS A. Garaging Surcharge Vehicles that are written with underwriting approval that are not maintained in a fully enclosed locked private garage are subject to a surcharge on the comprehensive rate. Refer to the State Rate Pages for the surcharge amount. B. Inexperienced Operator Surcharge Drivers with at least five (5) years of driving experience, but less than ten (10) years who meet the Inexperienced Operator Guidelines are eligible for the program; however, a surcharge will apply to the highest rated vehicle on the policy. The surcharge is applicable to all coverages. Refer to the State Rate Pages for the surcharge amount. Page 5 AMERICAN BANKERS INSURANCE COMPANY OF FLORIDA EDITION 04/10 AB#AA#MA

89 C. Car Club Discount Drivers who are active members of a car club approved by the Division of Insurance with a minimum of one thousand (1000) members are eligible to receive a discount for their policy. Refer to the State Rate Pages for the discount amount. D. High Value Discount Insureds that have a single eligible collector vehicle valued greater than $250,000 or have a collection of two of more eligible collector vehicles with a total value greater than $250,000 are eligible to receive a discount on comprehensive and collision coverage. Refer to the State Rate Pages for the discount amount. E. Collection Risk Modification (CRM) Discount Insureds that have a collection of two or more eligible collector vehicles with a total value greater than $250,000 are eligible to receive discounts applicable only to Comprehensive and Collision coverage based off the following factors: A. Security - The following discounts are available for a collection located in a garage with the following security features: Refer to the State Rate Pages for the discount amount. 1. Automatic Sprinklers A discount applies if an automatic sprinkler system is installed in the garage where the insured vehicles are kept. 2. Central Fire Alarm A discount applies if a central fire alarm is installed and actively working in the garage where the insured vehicles are kept. 3. Central Burglary Alarm A discount applies if a central burglary alarm is installed and actively working in the garage where the insured vehicles are kept. B. Construction Grade A discount applies for a collection located in a garage with the following construction types: Refer to the State Rate Pages for the discount amount. a. FIRE RESISTIVE A discount applies to garages constructed of any combination of the following materials: Exterior Walls or Exterior Structural Frame Solid Masonry, including reinforced concrete Hollow Masonry less than 12 thick Hollow Masonry less than 12, but not less than 8 thick, with a fire resistance rating of not less than 2 hours Floors and Roof Monolithic floors and roof of reinforced concrete with slabs that are at least 4 thick Joist Systems with slabs supported by concrete joists spaced no more than 36 on centers with a slab thickness of not less than 2 ¾. Floor and roof assemblies with a fire resistance rating of not less than 2 hours. Structural Metal Supports Horizontal and Vertical load bearing protected metal supports with a fire resistance rating of not less than 2 hours. b. MODIFIED FIRE RESISTIVE A discount applies to garages with exterior walls, floors and roof constructed of masonry materials that are listed as fire resistive materials, but deficient in thickness; or fire resistive materials that are listed as fire resistive, but with a fire resistive rating of less than 2 hours, but not less than 1 hour. c. MASONRY NON-COMBUSTIBLE A discount applies to garages with exterior walls of fire resistive construction or of masonry, and with non-combustible or slow burning floors and roof. d. NON-COMBUSTIBLE A discount applies to garages with exterior walls, floors and roof of non-combustible or slow burning material supported by non-combustible or slow burning supports. Page 6 AMERICAN BANKERS INSURANCE COMPANY OF FLORIDA EDITION 04/10 AB#AA#MA

90 e. JOINTED MASONRY A discount applies to garages with exterior walls of fire resistive construction of masonry and with combustible floors and roof. f. FRAME No discount is applicable to garages with exterior walls, floors and roof of combustible construction or buildings with exterior walls of non-combustible or slow burning construction, with combustible floors and roof C. Spread of Risk Discounts are available for a collection which is dispersed between a minimum of two locations. Refer to the State Rate Pages for the discount amount. F. Senior Principal Operator(s) Discount A discount is applicable to the total policy premium. A principal operator must be 65 years or older. There must not be any operators with less than 10 years driving experience for this discount to apply. Refer to the State Rate Pages for the discount amount. G. Passive Restraint Devices A discount applies to Personal Injury Protection, Uninsured and Underinsured Motorists and Medical Payments coverage for Antique vehicles equipped with air bags and/or automatic seat belts. Refer to the State Rate Pages for the discount amount. H. Anti-Theft Devices - Discounts apply to Comprehensive coverage only. Vehicles equipped with Anti-Theft Devices as defined below are entitled to a discount. See Rate Pages for discount amount. Definitions: Passive describes an anti-theft or system which is activated automatically when the operator turns the ignition key to the off position. Alarm, except where otherwise specified, means horn, bell, siren or other sounding device which is audible at 300 feet. Note: The Company may require reasonable evidence of installation of any anti-theft device but may not refuse to grant a discount to a qualifying device solely on the grounds that it was installed by the owner of the auto. 1. Steering Column Armored Collar This device is similar to an oversized padlock which clamps on to the steering column over the ignition lock and prevents access to it. This device, when locked prevents the vehicle from being started or if the vehicle is hot-wired and started, this device prevents it from being steered. When not in use, this device does not attach to the steering column. 2. Steering Wheel Removal Lock This device prevents steering movement of the vehicle from a parked position. This is a high security steering wheel lock assembly manufactured of hardened steel components, which allows removal of the steering wheel from the vehicle. The assembly is permanently attached to the vehicle s steering column and is located between the column and the steering wheel. Operation of the lock is controlled by a high security configured key. Unlocking the assembly will permit removal of the steering wheel from the vehicle. A fitted security plate is then inserted onto the lock assembly in place of the steering wheel and the lock s security key is then removed. Re-attachment of the steering wheel onto the lock assembly requires use of the security key to first remove the fitted security plate and then to attach the steering wheel. The security key can be removed from the lock assembly only after either the security plate or steering wheel have been locked into place. 3. Ignition or Starter Cut-off Switch in Combination with Flush or Tapered Door Lock Buttons. This device is an ignition cut-off switch (a.k.a. kill-switch ) or a starter cut-off switch which is inserted into the ignition wiring of an auto. The switch is tripped when leaving the auto and must be switched back in order to start the auto. The switch must be installed so that it is not visible from the driver s position when the driver is seated. In addition, the vehicle must contain flush or tapered door lock buttons on all doors. A sticker may be used to identify the system. 4. Ignition or Start Cut-off Switches Page 7 AMERICAN BANKERS INSURANCE COMPANY OF FLORIDA EDITION 04/10 AB#AA#MA

91 The ignition or starter cut-off switches either must be designed so that the wires leading from the switch to the engine compartment are protected by armored tubing or cable, or operate passively. 5. Non-Passive, Externally-Operated Alarm This is a non-passive warning alarm which is installed in the auto and can be set to go off if any door, the trunk or the hood is opened without first turning off the alarm by inserting a key into a lock mounted on the outside of the auto. Vehicles equipped with the following devices are entitled to a discount. See Rate Pages for discount amount. 1. Window Identification System A window identification system is one in which identification letters and/or numbers are etched by sandblasting, chemical process or other permanent marking into all windows of the vehicle other than the small vent windows. Provisions must be made for immediate telephone identification of the owner of the vehicle any time of day or night. 2. Car Transmission Lock This device prevents the vehicle from moving from a parked position by locking the gear shift. A steel-encased lock is permanently attached to the floor of the vehicle by a steel stand. The shackle, made of case hardened alloy steel, fits around the gear shift and is inserted into the lock. The device must have a high security locking system with at least 50,000 combinations. The lock, shackle and stand must resist cutting and filing. Vehicles equipped with the following devices are entitled to a discount. See Rate Pages for discount amount. 1. Passive Alarm System. This alarm must meet the following criteria: a. Ignition must be cut off automatically, or starter must be disabled automatically. b. Alarm must be triggered by entry of doors, hood or trunk. c. Hood must not open unless unlocked from inside the vehicle by a key, or by an electronic keyless device. d. Alarm must sound for no more than eight minutes and upon ceasing to sound must reset itself. e. Alarm must not emit a pulsating, whooping, or yelping sound which would cause it to be mistaken for the modern police, fire or other emergency vehicle siren. f. Alarm must be installed in the engine compartment so as to be inaccessible without opening hood. g. The system must be engaged passively by turning the ignition key to the off position. The disarm the system a tubular lock or electronic keyless device must be used. The maximum time delay permitted to disarm the system after re-entry is 20 seconds. 2. Passive Fuel Cut-Off Device. This fuel cut-off device is engaged by turning the ignition key to the off position. The driver must trip a switch to open the fuel line each time the vehicle is started. This device must meet the following criteria: a. The fuel line must be blocked when the power is off. b. Switch to open fuel line must be well hidden from view, but accessible to the driver from the driver s seat. In the alternative a tubular key or an electronic keyless device may be used. c. A parking/service attendant override switch may be provided. It must be well hidden from view. It must not be accessible from the passenger compartment; alternatively, if the override switch is accessible from the passenger compartment, a warning buzzer must sound (or the operator must be distracted in some other way) while the engine is running and the override switch engaged. If the buzzer is disconnected, it must result in disconnection of the entire anti-theft system. d. Any under-the-dash wiring installed in connection with this device must blend in color with factory-installed wiring. 3. Passive Ignition Lock Protective System This is a casehardened steel, protective cap which fits over the ignition lock so as to prevent extraction of the ignition lock cylinder. The cap fastens to a steel collar which fits around the steering post and over the ignition lock. A sticker may be used to identify the system. 4. Vehicle Recovery System This is an electronic unit installed in a vehicle that is activated after that vehicle is stolen. When activated, the device provides information to law enforcement officials or another public or private entity regarding the vehicle s location. The system provides for the routine delivery of the information to the appropriate law enforcement organization to assist in the recovery of the vehicle. Page 8 AMERICAN BANKERS INSURANCE COMPANY OF FLORIDA EDITION 04/10 AB#AA#MA

92 Note: If two or more qualifying devices are attached to a vehicle, the total discount shall be that applicable to the device meeting the standards for the highest discount. XI. MISCELLANEOUS Towing and Labor Costs (up to $25) 1. Towing and Labor costs for motor vehicles disabled on roadways is included in the physical damage rate. 2. Towing and Labor costs from the insured's garage is not covered. Personal Injury Protection - $8,000 Medical Expense Limit Any eligible motor vehicle rated in accordance with these rules shall be afforded Personal Injury Protection Coverage as prescribed by Massachusetts. PIP coverage cannot be rejected. Personal Injury Protection has a Medical Expense Limit of $8,000 ($2,000 maximum if other health/disability insurance is in force). It includes: -Work Loss up to 75% of average weekly wage; (subject to $8,000/per aggregate limit) -Essential Services subject to maximum of $8,000/person -Funeral Expenses are included in Medical Exception Basic PIP benefits do not apply to Antique Motorcycles or other similar vehicles designed to travel on fewer than four wheels. However, Pedestrian Personal Injury Protection will be afforded to pedestrians if struck by an insured motorcycle. Deductibles Personal Injury Protection has a $0 Deductible. Optional deductibles are available for a reduction in PIP premium. See Rate Pages for discount factors. Our total payment for medical expenses, lost wages and replacement services will not exceed $8,000 Uninsured Motorists Coverage This form of auto insurance must be afforded at limits not less than the financial responsibility limits under every auto liability policy issued to the owner of a motor vehicle registered or principally garaged in Massachusetts. If Uninsured Motorists Coverage is afforded, it shall apply to all vehicles insured on the policy. Increased Limits Increased limits Uninsured Motorists Insurance may be offered up to the policy s Split Limit Liability limits, subject to a maximum of $500,000/500,000. Exceptions The named insured may reject increased limits, but not the minimum limit coverage of $20,000/40,000, in writing. If the named insured fails to communicate this election, in writing, the increased limits are presumed to be selected. Underinsured Motorists Coverage This form of coverage shall be offered as an option to the insured at limits up to the Split Liability limits of the policy. When Underinsured Motorists Coverage is afforded, it must apply to all vehicles insured under the policy. Exceptions The named insured has the right to reject the Underinsured Motorists Coverage in writing. If the named insured fails to communicate this election, in writing, the coverage is presumed to be selected. Medical Payments This form of coverage shall be offered at a limit of $5,000 per person under every auto liability policy. It will be afforded at the option of the named insured. Motorcycles Page 9 AMERICAN BANKERS INSURANCE COMPANY OF FLORIDA EDITION 04/10 AB#AA#MA

93 Antique Motorcycles are eligible only for Pedestrian Personal Injury Protection coverage with a $0 deductible. Bodily Injury Liability coverage does not apply to owners or guest passengers of an insured motorcycle. Page 10 AMERICAN BANKERS INSURANCE COMPANY OF FLORIDA EDITION 04/10 AB#AA#MA

94 MASSACHUSETTS ANTIQUE AUTO RATE PAGES Personal Injury Protection Optional Deductibles Personal Injury Protection has a $0 Deductible. Optional deductibles are available for a reduction in PIP premium. Multiple the base PIP premium by the discount factor for the selected deductible option below. Deductible Amount Discount Factor $ $ $ $1, $2, $4, $8, Surcharges / Discounts Garaging Surcharge Apply a 2.00 surcharge factor to the comprehensive rate for approved vehicles that are not stored in a fully enclosed locked private garage. Inexperienced Operator Surcharge Drivers with at least 5 years of driving experience, but less than 10 years who meet the Inexperienced Operator Guidelines are eligible for the program; however, a 2.0 surcharge factor will apply to the highest rated vehicle on the policy. This surcharge is applicable to all coverages. Car Club Discount A 5% discount applies, to the premiums for all coverages, when the insured is an active member of a car club approved by the Division of Insurance that has a minimum of one thousand (1000) members. High Value Discount A 20% discount applies to the premiums for Agreed Value Comprehensive and Agreed Value Collision when the insured has a single vehicle valued greater than $250,000 or a collection of two or more vehicles with a total value greater than $250,000. Collection Risk Modification (CRM) Discount In order for a policy to qualify for any Collection Risk Modification (CRM) discounts, the policy must contain two or more vehicles with a total collection value greater than $250,000. The CRM discounts are only applicable to Comprehensive and Collision coverage. C. Security - The following discounts are available for a collection located in a garage with the following security features: 1. Automatic Sprinklers A 10% discount applies if an automatic sprinkler system is installed in the garage where the insured vehicles are kept. 2. Central Fire Alarm A 5% discount applies if a central fire alarm is installed and actively working in the garage where the insured vehicles are kept. 3. Central Burglary Alarm A 5% discount applies if a central burglary alarm is installed and actively working in the garage where the insured vehicles are kept. D. Construction Grade The following discounts are available for a collection located in a garage with the following construction types: Page 11 AMERICAN BANKERS INSURANCE COMPANY OF FLORIDA EDITION 04/10 AB#AA#MA

95 1. A 10% discount applies to garages constructed of any combination of the following materials: FIRE RESISTIVE Exterior Walls or Exterior Structural Frame Solid Masonry, including reinforced concrete Hollow Masonry less than 12 thick Hollow Masonry less than 12, but not less than 8 thick, with a fire resistance rating of not less than 2 hours Floors and Roof Monolithic floors and roof of reinforced concrete with slabs that are at least 4 thick Joist Systems with slabs supported by concrete joists spaced no more than 36 on centers with a slab thickness of not less than 2 ¾. Floor and roof assemblies with a fire resistance rating of not less than 2 hours. Structural Metal Supports Horizontal and Vertical load bearing protected metal supports with a fire resistance rating of not less than 2 hours. MODIFIED FIRE RESISTIVE Applicable to garages with exterior walls, floors and roof constructed of masonry materials that are listed as fire resistive materials, but deficient in thickness; or fire resistive materials that are listed as fire resistive, but with a fire resistive rating of less than 2 hours, but not less than 1 hour. 2. A 5% discount applies to garages constructed of any combination of the following materials: MASONRY NON-COMBUSTIBLE Applicable to garages with exterior walls of fire resistive construction or of masonry, and with non-combustible or slow burning floors and roof. NON-COMBUSTIBLE Applicable to garages with exterior walls, floors and roof of non-combustible or slow burning material supported by non-combustible or slow burning supports. 3. No discount applies to garages constructed of any combination of the following materials JOINTED MASONRY Applicable to garages with exterior walls of fire resistive construction of masonry and with combustible floors and roof. FRAME Applicable to garages with exterior walls, floors and roof of combustible construction or buildings with exterior walls of non-combustible or slow burning construction, with combustible floors and roof E. Spread of Risk The following discounts are available for a collection which is dispersed between a minimum of two locations. a. 2 Garaging Locations 3% Discount b. 3 Garaging Locations 6% Discount c. 4 or More Garaging Locations 10% Discount F. The total maximum discount allowed under parts A, B and/or C is 25%. Senior Principal Operator(s) Discount A 25% discount is applicable to the total policy premium. A principal operator must be 65 years or older. There must not be any operators with less than 10 years driving experience for this discount to apply. Passive Restraint Devices A 25% discount applies to Personal Injury Protection, Uninsured and Underinsured Motorists and Medical Payments coverage for vehicles equipped with air bags and/or automatic seat belts. Page 12 AMERICAN BANKERS INSURANCE COMPANY OF FLORIDA EDITION 04/10 AB#AA#MA

96 Anti-Theft Devices - Discounts apply to Comprehensive coverage only. Vehicles equipped with Anti-Theft Devices as defined below are entitled to a 5% Discount: Definitions: Passive describes an anti-theft or system which is activated automatically when the operator turns the ignition key to the off position. Alarm, except where otherwise specified, means horn, bell, siren or other sounding device which is audible at 300 feet. Note: The Company may require reasonable evidence of installation of any anti-theft device but may not refuse to grant a discount to a qualifying device solely on the grounds that it was installed by the owner of the auto. 1. Steering Column Armored Collar This device is similar to an oversized padlock which clamps on to the steering column over the ignition lock and prevents access to it. This device, when locked prevents the vehicle from being started or if the vehicle is hot-wired and started, this device prevents it from being steered. When not in use, this device does not attach to the steering column. 2. Steering Wheel Removal Lock This device prevents steering movement of the vehicle from a parked position. This is a high security steering wheel lock assembly manufactured of hardened steel components, which allows removal of the steering wheel from the vehicle. The assembly is permanently attached to the vehicle s steering column and is located between the column and the steering wheel. Operation of the lock is controlled by a high security configured key. Unlocking the assembly will permit removal of the steering wheel from the vehicle. A fitted security plate is then inserted onto the lock assembly in place of the steering wheel and the lock s security key is then removed. Re-attachment of the steering wheel onto the lock assembly requires use of the security key to first remove the fitted security plate and then to attach the steering wheel. The security key can be removed from the lock assembly only after either the security plate or steering wheel have been locked into place. 3. Ignition or Starter Cut-off Switch in Combination with Flush or Tapered Door Lock Buttons. This device is an ignition cut-off switch (a.k.a. kill-switch ) or a starter cut-off switch which is inserted into the ignition wiring of an auto. The switch is tripped when leaving the auto and must be switched back in order to start the auto. The switch must be installed so that it is not visible from the driver s position when the driver is seated. In addition, the vehicle must contain flush or tapered door lock buttons on all doors. A sticker may be used to identify the system. 4. Ignition or Start Cut-off Switches The ignition or starter cut-off switches either must be designed so that the wires leading from the switch to the engine compartment are protected by armored tubing or cable, or operate passively. 5. Non-Passive, Externally-Operated Alarm This is a non-passive warning alarm which is installed in the auto and can be set to go off if any door, the trunk or the hood is opened without first turning off the alarm by inserting a key into a lock mounted on the outside of the auto. Vehicles equipped with the following devices are entitled to a 15% discount: 1. Window Identification System A window identification system is one in which identification letters and/or numbers are etched by sandblasting, chemical process or other permanent marking into all windows of the vehicle other than the small vent windows. Provisions must be made for immediate telephone identification of the owner of the vehicle any time of day or night. 2. Car Transmission Lock This device prevents the vehicle from moving from a parked position by locking the gear shift. A steel-encased lock is permanently attached to the floor of the vehicle by a steel stand. The shackle, made of case hardened alloy steel, fits around the gear shift and is inserted into the lock. The device must have a high security locking system with at least 50,000 combinations. The lock, shackle and stand must resist cutting and filing. Vehicles equipped with following devices receive a 20% discount: Page 13 AMERICAN BANKERS INSURANCE COMPANY OF FLORIDA EDITION 04/10 AB#AA#MA

97 1. Passive Alarm System. This alarm must meet the following criteria: a. Ignition must be cut off automatically, or starter must be disabled automatically. b. Alarm must be triggered by entry of doors, hood or trunk. c. Hood must not open unless unlocked from inside the vehicle by a key, or by an electronic keyless device. d. Alarm must sound for no more than eight minutes and upon ceasing to sound must reset itself. e. Alarm must not emit a pulsating, whooping, or yelping sound which would cause it to be mistaken for the modern police, fire or other emergency vehicle siren. f. Alarm must be installed in the engine compartment so as to be inaccessible without opening hood. g. The system must be engaged passively by turning the ignition key to the off position. The disarm the system a tubular lock or electronic keyless device must be used. The maximum time delay permitted to disarm the system after re-entry is 20 seconds. 3. Passive Fuel Cut-Off Device. This fuel cut-off device is engaged by turning the ignition key to the off position. The driver must trip a switch to open the fuel line each time the vehicle is started. This device must meet the following criteria: a. The fuel line must be blocked when the power is off. b. Switch to open fuel line must be well hidden from view, but accessible to the driver from the driver s seat. In the alternative a tubular key or an electronic keyless device may be used. c. A parking/service attendant override switch may be provided. It must be well hidden from view. It must not be accessible from the passenger compartment; alternatively, if the override switch is accessible from the passenger compartment, a warning buzzer must sound (or the operator must be distracted in some other way) while the engine is running and the override switch engaged. If the buzzer is disconnected, it must result in disconnection of the entire anti-theft system. d. Any under-the-dash wiring installed in connection with this device must blend in color with factory-installed wiring. 3. Passive Ignition Lock Protective System This is a casehardened steel, protective cap which fits over the ignition lock so as to prevent extraction of the ignition lock cylinder. The cap fastens to a steel collar which fits around the steering post and over the ignition lock. A sticker may be used to identify the system. 4. Vehicle Recovery System This is an electronic unit installed in a vehicle that is activated after that vehicle is stolen. When activated, the device provides information to law enforcement officials or another public or private entity regarding the vehicle s location. The system provides for the routine delivery of the information to the appropriate law enforcement organization to assist in the recovery of the vehicle. Note: If two or more qualifying devices are attached to a vehicle, the total discount shall be that applicable to the device meeting the standards for the highest discount. NOTE: The maximum combinative discount per policy for all discounts listed above is 50%. Page 14 AMERICAN BANKERS INSURANCE COMPANY OF FLORIDA EDITION 04/10 AB#AA#MA

98 Optional Endorsements Towing & Labor for Collectors (TLC) Plans Emergency Expense Reimbursement Coverage Endorsement This optional endorsement provides increased Towing and Labor reimbursement coverage, in addition to reimbursement for other emergency roadside assistance options based on the plan selected. Coverage is provided for all vehicles listed on the policy declarations page. 1. Silver Plan - $9.95 Annual Premium a. $100 Emergency Towing b. $50 Roadside Assistance c. $50 Emergency Lockout d. Lost Key Return Service 2. Gold Plan - $24.95 Annual Premium a. $150 Emergency Towing b. $100 Roadside Assistance c. $50 Emergency Lockout d. Lost Key Return Service e. $250 Emergency Travel Expense f. $2,500 Theft Reward g. $250 Personal Effects h. $100 Ambulance Assistance i. $100 Car Show Expenses 3. Platinum Plan - $34.95 Annual Premium a. $250 Emergency Towing b. $150 Roadside Assistance c. $50 Emergency Lockout d. Lost Key Return Service e. $500 Emergency Travel Expense f. $5,000 Theft Reward g. $500 Personal Effects h. $250 Ambulance Assistance i. $150 Car Show Expenses j. $5,000 Bail Bond k. $1,000 Legal Defense Benefit l. $1,000 Hit and Run Reward m. TrailerGuard $150 each disablement Antique and Modified Autos are eligible for the Silver, Gold and Platinum Plans. Antique Motorcycles are only eligible for the Silver Plan. Increased Spare Parts Coverage For an additional premium, the base limit of $500 may be increased as follows: Additional $500 for a total limit of $1,000 add $7.00 Additional $1,000 for a total limit of $1,500 add $14.00 The increased limit is applicable to all listed vehicles. The additional premium is on a per policy basis. Page 15 AMERICAN BANKERS INSURANCE COMPANY OF FLORIDA EDITION 04/10 AB#AA#MA

99 MASSACHUSETTS ANTIQUE AUTO 2,500 MILE TIER BODILY INJURY TO OTHERS LIMIT ONE CAR TWO CARS THREE OR MORE 20/40 $ 9 $ 13 $ 18 50/100 $ 10 $ 15 $ /100 $ 11 $ 17 $ /300 $ 13 $ 19 $ /300 $ 23 $ 34 $ /500 $ 34 $ 51 $ /500 $ 36 $ 55 $ /500 $ 45 $ 69 $ 90 DAMAGE TO SOMEONE ELSE S PROPERTY 5 $ 6 $ 8 $ $ 7 $ 10 $ $ 8 $ 12 $ $ 12 $ 18 $ $ 20 $ 29 $ $ 35 $ 36 $ 50 MEDICAL PAYMENTS LIMIT ONE CAR TWO CARS THREE OR MORE 5,000 $ 6 $ 10 $ 12 PERSONAL INJURY PROTECTION ($8,000 Medical Expense - $0 Deductible) ONE CAR TWO CARS THREE OR MORE $ 5 $ 9 $ 10 UNINSURED MOTORIST LIMIT ONE CAR TWO CARS THREE OR MORE 20/40 $ 8 $ 18 $ 26 50/100 $ 10 $ 20 $ /100 $ 16 $ 31 $ /300 $ 21 $ 42 $ /300 $ 30 $ 60 $ /500 $ 39 $ 77 $ /500 $ 42 $ 82 $ /500 $ 53 $ 103 $ 155 UNDERINSURED MOTORIST LIMIT ONE CAR TWO CARS THREE OR MORE 20/40 $ 7 $ 16 $ 23 50/100 $ 9 $ 18 $ /100 $ 14 $ 28 $ /300 $ 19 $ 38 $ /300 $ 27 $ 54 $ /500 $ 35 $ 70 $ /500 $ 37 $ 75 $ /500 $ 46 $ 94 $ 140 Page 16 AMERICAN BANKERS INSURANCE COMPANY OF FLORIDA EDITION 04/10 AB#AA#MA

100 MASSACHUSETTS ANTIQUE AUTO 2,500 MILE TIER PHYSICAL DAMAGE (STATED AMOUNT PER $100) AGE OF CAR Comp: 25 + Years Years Years $ 300 Ded 0.31*/ */ */0.84 $ 500 Ded 0.30*/ */ */0.81 $ 1,000 Ded 0.25*/ */ */0.74 $ 5% Ded 0.27*/ */ */0.75 $ 10% Ded 0.24*/ */ */0.67 $ 15% Ded 0.21*/ */ */0.59 $ 20% Ded 0.20*/ */ */0.57 Comp & Collision $ 300 Ded 0.53*/ */ */1.69 $ 500 Ded 0.50*/ */ */1.59 $ 1,000 Ded 0.40*/ */ */1.44 $ 5% Ded 0.46*/ */ */1.50 $ 10% Ded 0.41*/ */ */1.33 $ 15% Ded 0.36*/ */ */1.19 $ 20% Ded 0.34*/ */ */1.11 *Apply these rates when the $100 Safety Glass comprehensive deductible is selected. Page 17 AMERICAN BANKERS INSURANCE COMPANY OF FLORIDA EDITION 04/10 AB#AA#MA

101 MASSACHUSETTS ANTIQUE AUTO 5,000 MILE TIER BODILY INJURY TO OTHERS LIMIT ONE CAR TWO CARS THREE OR MORE 20/40 $ 15 $ 22 $ 30 50/100 $ 17 $ 25 $ /100 $ 18 $ 26 $ /300 $ 19 $ 28 $ /300 $ 33 $ 49 $ /500 $ 40 $ 61 $ /500 $ 43 $ 65 $ /500 $ 54 $ 81 $ 108 DAMAGE TO SOMEONE ELSE S PROPERTY 5 $ 10 $ 15 $ $ 12 $ 17 $ $ 13 $ 19 $ $ 20 $ 30 $ $ 32 $ 51 $ $ 40 $ 64 $ 88 MEDICAL PAYMENTS LIMIT ONE CAR TWO CARS THREE OR MORE 5,000 $ 9 $ 15 $ 18 PERSONAL INJURY PROTECTION (8,000 Medical Expense - $0 Deductible) ONE CAR TWO CARS THREE OR MORE $ 7 $ 12 $ 14 UNINSURED MOTORIST LIMIT ONE CAR TWO CARS THREE OR MORE 20/40 $ 11 $ 22 $ 33 50/100 $ 15 $ 30 $ /100 $ 23 $ 46 $ /300 $ 31 $ 62 $ /300 $ 43 $ 81 $ /500 $ 54 $ 100 $ /500 $ 58 $ 107 $ /500 $ 73 $ 134 $ 213 UNDERINSURED MOTORIST LIMIT ONE CAR TWO CARS THREE OR MORE 20/40 $ 10 $ 20 $ 30 50/100 $ 13 $ 26 $ /100 $ 20 $ 40 $ /300 $ 27 $ 54 $ /300 $ 39 $ 80 $ /500 $ 50 $ 106 $ /500 $ 54 $ 113 $ /500 $ 68 $ 141 $ 201 Page 18 AMERICAN BANKERS INSURANCE COMPANY OF FLORIDA EDITION 04/10 AB#AA#MA

102 MASSACHUSETTS ANTIQUE AUTO 5,000 MILE TIER PHYSICAL DAMAGE (STATED AMOUNT PER $100) AGE OF CAR Comp: 25 + Years Years Years $ 300 Ded 0.36*/ */ */1.02 $ 500 Ded 0.35*/ */ */0.99 $ 1,000 Ded 0.30*/ */ */0.89 $ 5% Ded 0.31*/ */ */0.89 $ 10% Ded 0.27*/ */ */0.79 $ 15% Ded 0.25*/ */ */0.72 $ 20% Ded 0.23*/ */ */0.66 Comp & Collision $ 300 Ded 0.63*/ */ */1.99 $ 500 Ded 0.60*/ */ */1.89 $ 1,000 Ded 0.50*/ */ */1.74 $ 5% Ded 0.54*/ */ */1.77 $ 10% Ded 0.48*/ */ */1.59 $ 15% Ded 0.44*/ */ */1.45 $ 20% Ded 0.40*/ */ */1.31 *Apply these rates when the $100 Safety Glass comprehensive deductible is selected. Page 19 AMERICAN BANKERS INSURANCE COMPANY OF FLORIDA EDITION 04/10 AB#AA#MA

103 MASSACHUSETTS MODIFIED VEHICLES 2,500 MILE TIER BODILY INJURY TO OTHERS LIMIT ONE CAR TWO CARS THREE OR MORE 20/40 $ 26 $ 47 $ 61 50/100 $ 29 $ 53 $ /100 $ 31 $ 57 $ /300 $ 38 $ 65 $ /300 $ 64 $ 113 $ /500 $ 112 $ 201 $ /500 $ 120 $ 215 $ /500 $ 150 $ 269 $ 350 DAMAGE TO SOMEONE ELSE S PROPERTY 5 $ 17 $ 31 $ $ 20 $ 35 $ $ 26 $ 44 $ $ 39 $ 59 $ $ 65 $ 91 $ $ 81 $ 114 $ 151 MEDICAL PAYMENTS LIMIT ONE CAR TWO CARS THREE OR MORE 5,000 $ 12 $ 18 $ 24 PERSONAL INJURY PROTECTION ($8,000 Medical Expense - $0 Deductible) ONE CAR TWO CARS THREE OR MORE $ 10 $ 15 $ 20 UNINSURED MOTORIST LIMIT ONE CAR TWO CARS THREE OR MORE 20/40 $ 8 $ 18 $ 26 50/100 $ 10 $ 20 $ /100 $ 16 $ 31 $ /300 $ 21 $ 42 $ /300 $ 30 $ 60 $ /500 $ 39 $ 77 $ /500 $ 42 $ 82 $ /500 $ 53 $ 103 $ 155 UNDERINSURED MOTORIST LIMIT ONE CAR TWO CARS THREE OR MORE 20/40 $ 7 $ 16 $ 23 50/100 $ 9 $ 18 $ /100 $ 14 $ 28 $ /300 $ 19 $ 38 $ /300 $ 27 $ 54 $ /500 $ 35 $ 70 $ /500 $ 37 $ 75 $ /500 $ 46 $ 94 $ 140 Page 20 AMERICAN BANKERS INSURANCE COMPANY OF FLORIDA EDITION 04/10 AB#AA#MA

104 MASSACHUSETTS MODIFIED VEHICLES 2,500 MILE TIER PHYSICAL DAMAGE (STATED AMOUNT PER $100) AGE OF CAR Vehicles 15+ Years Vehicles 15+ Years ALL Old with a Vehicle Old with a Vehicle Vehicles Less than Value >=$40,000 Value <$40, Years Old Comp.: $ 300 Ded. $ 0.67*/0.70 $ 1.12*/1.15 $ 1.12*/1.15 $ 500 Ded. $ 0.60*/0.63 $ 1.00*/1.03 $ 1.00*/1.03 $ 1,000 Ded. $ 0.48*/0.51 $ 0.80*/0.83 $ 0.80*/0.83 $ 5% Ded. $ 0.54*/0.57 $ 0.90*/0.93 $ 0.90*/0.93 $ 10% Ded. $ 0.48*/0.51 $ 0.80*/0.83 $ 0.80*/0.83 $ 15% Ded. $ 0.38*/0.41 $ 0.64*/0.67 $ 0.64*/0.67 $ 20% Ded. $ 0.33*/0.36 $ 0.55*/0.58 $ 0.55*/0.58 Comp. & Coll.: $ 300 Ded $ 1.06*/1.09 $ 1.77*/1.80 $ 1.77*/1.80 $ 500 Ded $ 0.96*/0.99 $ 1.60*/1.63 $ 1.60*/1.63 $ 1,000 Ded $ 0.78*/0.81 $ 1.30*/1.33 $ 1.30*/1.33 $ 5% Ded $ 0.87*/0.90 $ 1.45*/1.48 $ 1.45*/1.48 $ 10% Ded $ 0.81*/0.84 $ 1.35*/1.38 $ 1.35*/1.38 $ 15% Ded $ 0.64*/0.67 $ 1.07*/1.10 $ 1.07*/1.10 $ 20% Ded $ 0.53*/0.56 $ 0.89*/0.92 $ 0.89*/0.92 *Apply these rates when the $100 Safety Glass comprehensive deductible is selected. Page 21 AMERICAN BANKERS INSURANCE COMPANY OF FLORIDA EDITION 04/10 AB#AA#MA

105 MASSACHUSETTS MODIFIED VEHICLES 5,000 MILE TIER BODILY INJURY TO OTHERS LIMIT ONE CAR TWO CARS THREE OR MORE 20/40 $ 43 $ 80 $ /100 $ 49 $ 88 $ /100 $ 51 $ 92 $ /300 $ 56 $ 96 $ /300 $ 102 $ 200 $ /500 $ 132 $ 240 $ /500 $ 143 $ 254 $ /500 $ 179 $ 318 $ 418 DAMAGE TO SOMEONE ELSE S PROPERTY 5 $ 28 $ 58 $ $ 34 $ 60 $ $ 42 $ 70 $ $ 63 $ 95 $ $ 112 $ 173 $ $ 140 $ 216 $ 253 MEDICAL PAYMENTS LIMIT ONE CAR TWO CARS THREE OR MORE 5,000 $ 12 $ 18 $ 24 PERSONAL INJURY PROTECTION (8,000 Medical Expense - $0 Deductible) ONE CAR TWO CARS THREE OR MORE $ 16 $ 24 $ 32 UNINSURED MOTORIST LIMIT ONE CAR TWO CARS THREE OR MORE 20/40 $ 11 $ 22 $ 33 50/100 $ 15 $ 30 $ /100 $ 23 $ 46 $ /300 $ 31 $ 62 $ /300 $ 43 $ 81 $ /500 $ 54 $ 100 $ /500 $ 58 $ 107 $ /500 $ 73 $ 134 $ 213 UNDERINSURED MOTORIST LIMIT ONE CAR TWO CARS THREE OR MORE 20/40 $ 10 $ 20 $ 30 50/100 $ 13 $ 26 $ /100 $ 20 $ 40 $ /300 $ 27 $ 54 $ /300 $ 39 $ 80 $ /500 $ 50 $ 106 $ /500 $ 54 $ 113 $ /500 $ 68 $ 141 $ 201 Page 22 AMERICAN BANKERS INSURANCE COMPANY OF FLORIDA EDITION 04/10 AB#AA#MA

106 MASSACHUSETTS MODIFIED VEHICLES 5,000 MILE TIER PHYSICAL DAMAGE (STATED AMOUNT PER $100) AGE OF CAR Vehicles 15+ Years Vehicles 15+ Years ALL Old with a Vehicle Old with a Vehicle Vehicles Less than Value >=$40,000 Value <$40, Years Old Comp.: $ 300 Ded. $ 0.78*/0.81 $ 1.31*/1.34 $ 1.31*/1.34 $ 500 Ded. $ 0.72*/0.75 $ 1.20*/1.23 $ 1.20*/1.23 $ 1,000 Ded. $ 0.60*/0.63 $ 1.00*/1.03 $ 1.00*/1.03 $ 5% Ded. $ 0.63*/0.66 $ 1.05*/1.08 $ 1.05*/1.08 $ 10% Ded. $ 0.57*/0.60 $ 0.96*/0.99 $ 0.96*/0.99 $ 15% Ded. $ 0.45*/0.48 $ 0.76*/0.79 $ 0.76*/0.79 $ 20% Ded. $ 0.39*/0.42 $ 0.65*/0.68 $ 0.65*/0.68 Comp. & Coll.: $ 300 Ded $ 1.23*/1.26 $ 2.05*/2.08 $ 2.05*/2.08 $ 500 Ded $ 1.14*/1.17 $ 1.90*/1.93 $ 1.90*/1.93 $ 1,000 Ded $ 0.93*/0.96 $ 1.55*/1.58 $ 1.55*/1.58 $ 5% Ded $ 1.00*/1.03 $ 1.67*/1.70 $ 1.67*/1.70 $ 10% Ded $ 0.95*/0.98 $ 1.58*/1.61 $ 1.58*/1.61 $ 15% Ded $ 0.74*/0.77 $ 1.23*/1.26 $ 1.23*/1.26 $ 20% Ded $ 0.61*/0.64 $ 1.02*/1.05 $ 1.02*/1.05 *Apply these rates when the $100 Safety Glass comprehensive deductible is selected. Page 23 AMERICAN BANKERS INSURANCE COMPANY OF FLORIDA EDITION 04/10 AB#AA#MA

107 MASSACHUSETTS ANTIQUE MOTORCYCLE 2,500 MILE TIER BODILY INJURY TO OTHERS LIMIT ONE CAR TWO CARS THREE OR MORE 20/40 $ 26 $ 47 $ 61 50/100 $ 29 $ 53 $ /100 $ 31 $ 57 $ /300 $ 38 $ 65 $ /300 $ 64 $ 113 $ /500 $ 112 $ 201 $ /500 $ 120 $ 215 $ /500 $ 150 $ 269 $ 350 DAMAGE TO SOMEONE ELSE S PROPERTY LIMIT ONE CYCLE TWO CYCLES THREE OR MORE 5 $ 17 $ 31 $ $ 20 $ 35 $ $ 26 $ 44 $ $ 39 $ 59 $ $ 65 $ 91 $ $ 81 $ 114 $ 151 PEDESTRIAN PERSONAL INJURY PROTECTION (8,000 Medical Expense - $0 Deductible) ONE CYCLE TWO CYCLES THREE OR MORE $ 5 $ 9 $ 10 UNINSURED MOTORIST LIMIT ONE CAR TWO CARS THREE OR MORE 20/40 $ 8 $ 18 $ 26 50/100 $ 10 $ 20 $ /100 $ 16 $ 31 $ /300 $ 21 $ 42 $ /300 $ 30 $ 60 $ /500 $ 39 $ 77 $ /500 $ 42 $ 82 $ /500 $ 53 $ 103 $ 155 UNDERINSURED MOTORIST LIMIT ONE CAR TWO CARS THREE OR MORE 20/40 $ 7 $ 16 $ 23 50/100 $ 9 $ 18 $ /100 $ 14 $ 28 $ /300 $ 19 $ 38 $ /300 $ 27 $ 54 $ /500 $ 35 $ 70 $ /500 $ 37 $ 75 $ /500 $ 46 $ 94 $ 140 Page 24 AMERICAN BANKERS INSURANCE COMPANY OF FLORIDA EDITION 04/10 AB#AA#MA

108 Comp.: MASSACHUSETTS ANTIQUE MOTORCYCLE 2,500 MILE TIER PHYSICAL DAMAGE (STATED AMOUNT PER $100) AGE OF CYCLE & SUB $ 300 Ded $ 1.12*/1.15 $ 1.12*/1.15 $ 500 Ded $ 1.00*/1.03 $ 1.00*/1.03 $ 1,000 Ded $ 0.80*/0.83 $ 0.80*/0.83 $ 5% Ded $ 0.90*/0.93 $ 0.90*/0.93 $ 10% Ded $ 0.80*/0.83 $ 0.80*/0.83 $ 15% Ded $ 0.64*/0.67 $ 0.64*/0.67 $ 20% Ded $ 0.55*/0.58 $ 0.55*/0.58 Comp. & Collision $ 300 Ded $ 1.77*/1.80 $ 1.77*/1.80 $ 500 Ded $ 1.60*/1.63 $ 1.60*/1.63 $ 1,000 Ded $ 1.30*/1.33 $ 1.30*/1.33 $ 5% Ded $ 1.45*/1.48 $ 1.45*/1.48 $ 10% Ded $ 1.35*/1.38 $ 1.35*/1.38 $ 15% Ded $ 1.07*/1.10 $ 1.07*/1.10 $ 20% Ded $ 0.89*/0.92 $ 0.89*/0.92 *Apply these rates when the $100 Safety Glass comprehensive deductible is selected. MASSACHUSETTS ANTIQUE MOTORCYCLE 5,000 MILE TIER 5,000 Mile Tier is not available for Antique Motorcycle. Page 25 AMERICAN BANKERS INSURANCE COMPANY OF FLORIDA EDITION 04/10 AB#AA#MA

109 AMERICAN BANKERS INSURANCE COMPANY OF FLORIDA I. DEFINITIONS APPLICABLE TO GENERAL RULES 1. An Antique Vehicle means a motor vehicle, which is: ANTIQUE AUTO MANUAL MASSACHUSETTS (Includes General Rules and Rate Pages) 1. at least 25 years old; 2. used for exhibitions; club activities; parades; or other functions of public interest; 3. not used for general transportation; and 4. driven no more than 2,500 or 5,000 during an annual policy term, dependent upon the mileage tier selected. 2. A Collectible/Modified Vehicle means a motor vehicle, which is: 1. used for exhibitions; club activities; parades; or other functions of public interest; 2. not used for general transportation; and 3. driven no more than 2,500 or 5,000 during an annual policy term, dependent upon the mileage tier selected In addition to the items 1 through 4 above, the vehicle must also be one of the following: 5. at least 15 years old; or 6. a replica or kit car; or 7. a vehicle that was modified from its original specifications but retaining its structural integrity; or 8. a vehicle newer than 15 years, which is of limited production and has collector value. II. ELIGIBILITY A Personal Auto Policy shall be used to afford coverage to Antique motor vehicles as described in Rule I if: 1. they are written on a specified auto basis; and 2. they are owned by an individual or by his or her spouse who are residents of the same household. III. PREMIUM DETERMINATION Bodily Injury Liability, Property Damage Liability, Medical Payments, Personal Injury Protection, Agreed Value Comprehensive and Collision premiums are determined in the following manner: A. Refer to the Rate Pages to determine the rate for Split Limit Liability for the limit of liability selected and number of motor vehicles to be insured. B. Refer to the State Rate Pages to determine the rate for Medical Payments depending on the number of motor vehicles to be insured. C. Refer to the State Rate Pages to determine the rate for Uninsured and/or Underinsured Motorist Coverage depending on the limit of liability selected and the number of motor vehicles to be insured. D. Refer to the State Rate Pages to determine the rate for Agreed Value Comprehensive and Collision (Physical Damage) coverages. Multiply the rate from the State Rate Pages by the amount of coverage desired (expressed in hundreds of dollars) to determine the premium. E. Refer to the State Rate Pages, or State Exception Pages, to determine the cost of any additional state specific fees or coverages. Page 1 AMERICAN BANKERS INSURANCE COMPANY OF FLORIDA EDITION 04/10 AB#AA#MA

110 F. Refer to Section X: Surcharges and Discounts to determine any applicable discounts/surcharges applicable to the individual coverages above. Page 2 AMERICAN BANKERS INSURANCE COMPANY OF FLORIDA EDITION 04/10 AB#AA#MA

111 IV. MINIMUM PREMIUM RULE A. The minimum written premium charge for all coverages combined shall be $80. B. This minimum annual premium charge is not subject to reduction. V. POLICY PERIOD VI. CHANGES The policy term will be 12 months A. All changes requiring premium adjustments shall be computed pro rata. B. Adjustments of $5 or less: 1. If a policy is amended, and results in an additional premium adjustment of $5 or less, the amount shall be waived. 2. Minimum premium of $5 applies if an insured requests the following during the policy period: a. Additional coverage, b. An increase in the limits of liability. 3. Company need not refund a return premium of less than $5 if the insured requests the following: a. Cancellation of coverage, b. Reduction of limits of liability, c. Increase in deductible except that the actual return premium shall be returned at the request of the insured. 4. If the limits of liability are increased because of a change in the limits prescribed under the Massachusetts financial responsibility law, the additional premium charge shall be the actual difference in premium charges. VII. CANCELLATION AND NON-RENEWAL A. If a policy, vehicle or form of coverage is cancelled: 1 by the Company, the return premium will be computed on a pro rata basis; 2. by the insured: a. for 12 month policy periods, compute the return premium at 90% of the pro rata unearned premium for one year, subject to the minimum earned premium of $50. b. Exception - The return premium will be computed on a pro rata basis in the following cases: 1. The insured cancels the policy within the first 30 days from the date on which the policy becomes effective or the date on which the insured receives the policy documents, whichever is later; 2. The insured cancels the policy within 30 days after the date on which the insured motor vehicle is stolen or destroyed, if the loss to the motor vehicle is a total loss or total constructive loss; or, within 15 days of the time the auto was determined by the Company to be: (a) uncoverable if stolen; or (b) to be a total or constructive loss. The return premium, if any, shall be calculated from the day following the date of loss; 3. The insured cancels the policy because of entry into the military service of the United States of America; 4. The insured cancels a policy issued through the Massachusetts residual market plan (if applicable) because coverage has been obtained in the voluntary market. 5) If the insured has disposed of the insured vehicle and takes out a new policy with the Company on another vehicle to become effective within 30 days of the date of cancellation. 6) In a multi-vehicle situation: a) If one vehicle is cancelled from the policy and the policy remains in force on the other vehicle(s); or b) If a policy is cancelled and there remains in force with the same Company in the name of the insured or spouse a concurrent policy covering another vehicle. 7) If a vehicle or form of coverage is cancelled from a policy and the policy remains in force. 3. A minimum earned premium of $50 will be retained in all cases, except flat cancellations. 4. Any return premium associated with the unexpired portion of the term of the cancelled policy shall be delivered to the insured within 30 days of the effective date of cancellation. Page 3 AMERICAN BANKERS INSURANCE COMPANY OF FLORIDA EDITION 04/10 AB#AA#MA

112 5. The Company is required to notify the MA Registrar of Motor Vehicles of the cancellation of a motor vehicle policy, whether initiated by the Company or the insured, in accordance with the procedures prescribed by the Registrar. If a policy is reinstated after issuing a notice of cancellation, the Company must notify the Registrar of that fact. B. How to use the Pro Rata Table 1. Express the date of the cancellation by year and decimal part of a year by combining the calendar year with the decimal appearing opposite the month and day in the Pro Rata Table, for example April 2, 1996 would be expressed as In a like manner, express the effective date of the policy by year and decimal part of a year and subtract from the cancellation date. 3. The difference represents the percentage of the annual premium which is to be retained by the Company. Example: Cancellation date of September 26, Effective date April 2, Earned premium for a 12 month policy will therefore be.485 times the annual premium. Note: As it is not customary to charge for the extra day that occurs every four years (February 29), the Pro Rata Table will also be used for each such year. NON-RENEWAL A. The Company is also required to send notice of nonrenewal to the MA Registrar of Motor Vehicles at least 45 days prior to the expiration of the policy in accordance with the Registrar's procedures. If the Company reinstates a policy after issuing a notice of nonrenewal it must notify the Registrar of Motor Vehicles of such reinstatement. B. If the Company sends a non-renewal notice and then subsequently renews the policy, it must, at the insured s request, issue insurance coverage of at least the same type and amount as existed on the nonrenewed policy. VIII. REMOVAL OF COVERAGE At the request of the named insured, all coverage except for comprehensive coverage will be removed. Exception: coverage will not be removed every year due to winter storage. IX. ENDORSEMENTS A. Operator Exclusion 1. Availability of a Operator Exclusion Endorsement A motor vehicle liability policy may contain a Operator Exclusion Endorsement. If so, the Operator Exclusion endorsement must specifically designate by name the individual or individuals to be excluded. 2. Additional Requirements a. The named insured and the excluded driver must acknowledge, in writing, the Operator Exclusion Endorsement. b. The Operator Exclusion endorsement should designate each vehicle under the policy where the named excluded driver shall not be covered under the policy. 3. Endorsements Attach the Operator Exclusion Endorsement to the policy. B. Towing & Labor for Collectors (TLC) Plans Emergency Expense Reimbursement Coverage Endorsement This optional endorsement provides increased Towing and Labor reimbursement coverage, in addition to reimbursement for other emergency roadside assistance options based on the plan selected. Coverage is provided for all vehicles listed on the policy declarations page Refer to State Rate Pages for rates. Page 4 AMERICAN BANKERS INSURANCE COMPANY OF FLORIDA EDITION 04/10 AB#AA#MA

113 1. Silver Plan a. $100 Emergency Towing b. $50 Roadside Assistance c. $50 Emergency Lockout d. Lost Key Return Service 2. Gold Plan a. $150 Emergency Towing b. $100 Roadside Assistance c. $50 Emergency Lockout b. Lost Key Return Service c. $10,000 Accidental Death and Dismemberment d. $250 Emergency Travel Expense e. $2,500 Theft Reward f. $250 Personal Effects g. $100 Ambulance Assistance h. $100 Car Show Expenses 3. Platinum Plan a. $250 Emergency Towing b. $150 Roadside Assistance c. $50 Emergency Lockout d. Lost Key Return Service e. $20,000 Accidental Death and Dismemberment f. $500 Emergency Travel Expense g. $5,000 Theft Reward h. $500 Personal Effects i. $250 Ambulance Assistance j. $150 Car Show Expenses k. $5,000 Bail Bond l. $1,000 Legal Defense Benefit m. $1,000 Hit and Run Reward n. TrailerGuard $150 each disablement Antique and Modified Autos are eligible for the Silver, Gold and Platinum Plans. Antique Motorcycles are only eligible for the Silver Plan. Accidental Death & Dismemberment coverage does not apply to any Motorcycles. C. Spare Parts Coverage We will pay up to $500 for direct and accidental loss to spare parts and accessories to your covered auto. Base limit of $500 may be increased for an additional premium. Refer to State Rate Pages for additional premium. X. SURCHARGES & DISCOUNTS A. Garaging Surcharge Vehicles that are written with underwriting approval that are not maintained in a fully enclosed locked private garage are subject to a surcharge on the comprehensive rate. Refer to the State Rate Pages for the surcharge amount. B. Inexperienced Operator Surcharge Drivers with at least five (5) years of driving experience, but less than ten (10) years who meet the Inexperienced Operator Guidelines are eligible for the program; however, a surcharge will apply to the highest rated vehicle on the policy. The surcharge is applicable to all coverages. Refer to the State Rate Pages for the surcharge amount. Page 5 AMERICAN BANKERS INSURANCE COMPANY OF FLORIDA EDITION 04/10 AB#AA#MA

114 C. Car Club Discount Drivers who are active members of a car club approved by the Division of Insurance with a minimum of one thousand (1000) members are eligible to receive a discount for their policy. Refer to the State Rate Pages for the discount amount. D. High Value Discount Insureds that have a single eligible collector vehicle valued greater than $250,000 or have a collection of two of more eligible collector vehicles with a total value greater than $250,000 are eligible to receive a discount on comprehensive and collision coverage. Refer to the State Rate Pages for the discount amount. E. Collection Risk Modification (CRM) Discount Insureds that have a collection of two or more eligible collector vehicles with a total value greater than $250,000 are eligible to receive discounts applicable only to Comprehensive and Collision coverage based off the following factors: A. Security - The following discounts are available for a collection located in a garage with the following security features: Refer to the State Rate Pages for the discount amount. 1. Automatic Sprinklers A discount applies if an automatic sprinkler system is installed in the garage where the insured vehicles are kept. 2. Central Fire Alarm A discount applies if a central fire alarm is installed and actively working in the garage where the insured vehicles are kept. 3. Central Burglary Alarm A discount applies if a central burglary alarm is installed and actively working in the garage where the insured vehicles are kept. B. Construction Grade A discount applies for a collection located in a garage with the following construction types: Refer to the State Rate Pages for the discount amount. a. FIRE RESISTIVE A discount applies to garages constructed of any combination of the following materials: Exterior Walls or Exterior Structural Frame Solid Masonry, including reinforced concrete Hollow Masonry less than 12 thick Hollow Masonry less than 12, but not less than 8 thick, with a fire resistance rating of not less than 2 hours Floors and Roof Monolithic floors and roof of reinforced concrete with slabs that are at least 4 thick Joist Systems with slabs supported by concrete joists spaced no more than 36 on centers with a slab thickness of not less than 2 ¾. Floor and roof assemblies with a fire resistance rating of not less than 2 hours. Structural Metal Supports Horizontal and Vertical load bearing protected metal supports with a fire resistance rating of not less than 2 hours. b. MODIFIED FIRE RESISTIVE A discount applies to garages with exterior walls, floors and roof constructed of masonry materials that are listed as fire resistive materials, but deficient in thickness; or fire resistive materials that are listed as fire resistive, but with a fire resistive rating of less than 2 hours, but not less than 1 hour. c. MASONRY NON-COMBUSTIBLE A discount applies to garages with exterior walls of fire resistive construction or of masonry, and with non-combustible or slow burning floors and roof. d. NON-COMBUSTIBLE A discount applies to garages with exterior walls, floors and roof of non-combustible or slow burning material supported by non-combustible or slow burning supports. Page 6 AMERICAN BANKERS INSURANCE COMPANY OF FLORIDA EDITION 04/10 AB#AA#MA

115 e. JOINTED MASONRY A discount applies to garages with exterior walls of fire resistive construction of masonry and with combustible floors and roof. f. FRAME No discount is applicable to garages with exterior walls, floors and roof of combustible construction or buildings with exterior walls of non-combustible or slow burning construction, with combustible floors and roof C. Spread of Risk Discounts are available for a collection which is dispersed between a minimum of two locations. Refer to the State Rate Pages for the discount amount. F. Senior Principal Operator(s) Discount A discount is applicable to the total policy premium. A principal operator must be 65 years or older. There must not be any operators with less than 10 years driving experience for this discount to apply. Refer to the State Rate Pages for the discount amount. G. Passive Restraint Devices A discount applies to Personal Injury Protection, Uninsured and Underinsured Motorists and Medical Payments coverage for Antique vehicles equipped with air bags and/or automatic seat belts. Refer to the State Rate Pages for the discount amount. H. Anti-Theft Devices - Discounts apply to Comprehensive coverage only. Vehicles equipped with Anti-Theft Devices as defined below are entitled to a discount. See Rate Pages for discount amount. Definitions: Passive describes an anti-theft or system which is activated automatically when the operator turns the ignition key to the off position. Alarm, except where otherwise specified, means horn, bell, siren or other sounding device which is audible at 300 feet. Note: The Company may require reasonable evidence of installation of any anti-theft device but may not refuse to grant a discount to a qualifying device solely on the grounds that it was installed by the owner of the auto. 1. Steering Column Armored Collar This device is similar to an oversized padlock which clamps on to the steering column over the ignition lock and prevents access to it. This device, when locked prevents the vehicle from being started or if the vehicle is hot-wired and started, this device prevents it from being steered. When not in use, this device does not attach to the steering column. 2. Steering Wheel Removal Lock This device prevents steering movement of the vehicle from a parked position. This is a high security steering wheel lock assembly manufactured of hardened steel components, which allows removal of the steering wheel from the vehicle. The assembly is permanently attached to the vehicle s steering column and is located between the column and the steering wheel. Operation of the lock is controlled by a high security configured key. Unlocking the assembly will permit removal of the steering wheel from the vehicle. A fitted security plate is then inserted onto the lock assembly in place of the steering wheel and the lock s security key is then removed. Re-attachment of the steering wheel onto the lock assembly requires use of the security key to first remove the fitted security plate and then to attach the steering wheel. The security key can be removed from the lock assembly only after either the security plate or steering wheel have been locked into place. 3. Ignition or Starter Cut-off Switch in Combination with Flush or Tapered Door Lock Buttons. This device is an ignition cut-off switch (a.k.a. kill-switch ) or a starter cut-off switch which is inserted into the ignition wiring of an auto. The switch is tripped when leaving the auto and must be switched back in order to start the auto. The switch must be installed so that it is not visible from the driver s position when the driver is seated. In addition, the vehicle must contain flush or tapered door lock buttons on all doors. A sticker may be used to identify the system. 4. Ignition or Start Cut-off Switches Page 7 AMERICAN BANKERS INSURANCE COMPANY OF FLORIDA EDITION 04/10 AB#AA#MA

116 The ignition or starter cut-off switches either must be designed so that the wires leading from the switch to the engine compartment are protected by armored tubing or cable, or operate passively. 5. Non-Passive, Externally-Operated Alarm This is a non-passive warning alarm which is installed in the auto and can be set to go off if any door, the trunk or the hood is opened without first turning off the alarm by inserting a key into a lock mounted on the outside of the auto. Vehicles equipped with the following devices are entitled to a discount. See Rate Pages for discount amount. 1. Window Identification System A window identification system is one in which identification letters and/or numbers are etched by sandblasting, chemical process or other permanent marking into all windows of the vehicle other than the small vent windows. Provisions must be made for immediate telephone identification of the owner of the vehicle any time of day or night. 2. Car Transmission Lock This device prevents the vehicle from moving from a parked position by locking the gear shift. A steel-encased lock is permanently attached to the floor of the vehicle by a steel stand. The shackle, made of case hardened alloy steel, fits around the gear shift and is inserted into the lock. The device must have a high security locking system with at least 50,000 combinations. The lock, shackle and stand must resist cutting and filing. Vehicles equipped with the following devices are entitled to a discount. See Rate Pages for discount amount. 1. Passive Alarm System. This alarm must meet the following criteria: a. Ignition must be cut off automatically, or starter must be disabled automatically. b. Alarm must be triggered by entry of doors, hood or trunk. c. Hood must not open unless unlocked from inside the vehicle by a key, or by an electronic keyless device. d. Alarm must sound for no more than eight minutes and upon ceasing to sound must reset itself. e. Alarm must not emit a pulsating, whooping, or yelping sound which would cause it to be mistaken for the modern police, fire or other emergency vehicle siren. f. Alarm must be installed in the engine compartment so as to be inaccessible without opening hood. g. The system must be engaged passively by turning the ignition key to the off position. The disarm the system a tubular lock or electronic keyless device must be used. The maximum time delay permitted to disarm the system after re-entry is 20 seconds. 2. Passive Fuel Cut-Off Device. This fuel cut-off device is engaged by turning the ignition key to the off position. The driver must trip a switch to open the fuel line each time the vehicle is started. This device must meet the following criteria: a. The fuel line must be blocked when the power is off. b. Switch to open fuel line must be well hidden from view, but accessible to the driver from the driver s seat. In the alternative a tubular key or an electronic keyless device may be used. c. A parking/service attendant override switch may be provided. It must be well hidden from view. It must not be accessible from the passenger compartment; alternatively, if the override switch is accessible from the passenger compartment, a warning buzzer must sound (or the operator must be distracted in some other way) while the engine is running and the override switch engaged. If the buzzer is disconnected, it must result in disconnection of the entire anti-theft system. d. Any under-the-dash wiring installed in connection with this device must blend in color with factory-installed wiring. 3. Passive Ignition Lock Protective System This is a casehardened steel, protective cap which fits over the ignition lock so as to prevent extraction of the ignition lock cylinder. The cap fastens to a steel collar which fits around the steering post and over the ignition lock. A sticker may be used to identify the system. 4. Vehicle Recovery System This is an electronic unit installed in a vehicle that is activated after that vehicle is stolen. When activated, the device provides information to law enforcement officials or another public or private entity regarding the vehicle s location. The system provides for the routine delivery of the information to the appropriate law enforcement organization to assist in the recovery of the vehicle. Page 8 AMERICAN BANKERS INSURANCE COMPANY OF FLORIDA EDITION 04/10 AB#AA#MA

117 Note: If two or more qualifying devices are attached to a vehicle, the total discount shall be that applicable to the device meeting the standards for the highest discount. XI. MISCELLANEOUS Towing and Labor Costs (up to $25) 1. Towing and Labor costs for motor vehicles disabled on roadways is included in the physical damage rate. 2. Towing and Labor costs from the insured's garage is not covered. Personal Injury Protection - $8,000 Medical Expense Limit Any eligible motor vehicle rated in accordance with these rules shall be afforded Personal Injury Protection Coverage as prescribed by Massachusetts. PIP coverage cannot be rejected. Personal Injury Protection has a Medical Expense Limit of $8,000 ($2,000 maximum if other health/disability insurance is in force). It includes: -Work Loss up to 75% of average weekly wage; (subject to $8,000/per aggregate limit) -Essential Services subject to maximum of $8,000/person -Funeral Expenses are included in Medical Exception Basic PIP benefits do not apply to Antique Motorcycles or other similar vehicles designed to travel on fewer than four wheels. However, Pedestrian Personal Injury Protection will be afforded to pedestrians if struck by an insured motorcycle. Deductibles Personal Injury Protection has a $0 Deductible. Optional deductibles are available for a reduction in PIP premium. See Rate Pages for discount factors. Our total payment for medical expenses, lost wages and replacement services will not exceed $8,000 Uninsured Motorists Coverage This form of auto insurance must be afforded at limits not less than the financial responsibility limits under every auto liability policy issued to the owner of a motor vehicle registered or principally garaged in Massachusetts. If Uninsured Motorists Coverage is afforded, it shall apply to all vehicles insured on the policy. Increased Limits Increased limits Uninsured Motorists Insurance may be offered up to the policy s Split Limit Liability limits, subject to a maximum of $500,000/500,000. Exceptions The named insured may reject increased limits, but not the minimum limit coverage of $20,000/40,000, in writing. If the named insured fails to communicate this election, in writing, the increased limits are presumed to be selected. Underinsured Motorists Coverage This form of coverage shall be offered as an option to the insured at limits up to the Split Liability limits of the policy. When Underinsured Motorists Coverage is afforded, it must apply to all vehicles insured under the policy. Exceptions The named insured has the right to reject the Underinsured Motorists Coverage in writing. If the named insured fails to communicate this election, in writing, the coverage is presumed to be selected. Medical Payments This form of coverage shall be offered at a limit of $5,000 per person under every auto liability policy. It will be afforded at the option of the named insured. Motorcycles Page 9 AMERICAN BANKERS INSURANCE COMPANY OF FLORIDA EDITION 04/10 AB#AA#MA

118 Antique Motorcycles are eligible only for Pedestrian Personal Injury Protection coverage with a $0 deductible. Bodily Injury Liability coverage does not apply to owners or guest passengers of an insured motorcycle. Page 10 AMERICAN BANKERS INSURANCE COMPANY OF FLORIDA EDITION 04/10 AB#AA#MA

119 MASSACHUSETTS ANTIQUE AUTO RATE PAGES Personal Injury Protection Optional Deductibles Personal Injury Protection has a $0 Deductible. Optional deductibles are available for a reduction in PIP premium. Multiple the base PIP premium by the discount factor for the selected deductible option below. Deductible Amount Discount Factor $ $ $ $1, $2, $4, $8, Surcharges / Discounts Garaging Surcharge Apply a 2.00 surcharge factor to the comprehensive rate for approved vehicles that are not stored in a fully enclosed locked private garage. Inexperienced Operator Surcharge Drivers with at least 5 years of driving experience, but less than 10 years who meet the Inexperienced Operator Guidelines are eligible for the program; however, a 2.0 surcharge factor will apply to the highest rated vehicle on the policy. This surcharge is applicable to all coverages. Car Club Discount A 5% discount applies, to the premiums for all coverages, when the insured is an active member of a car club approved by the Division of Insurance that has a minimum of one thousand (1000) members. High Value Discount A 20% discount applies to the premiums for Agreed Value Comprehensive and Agreed Value Collision when the insured has a single vehicle valued greater than $250,000 or a collection of two or more vehicles with a total value greater than $250,000. Collection Risk Modification (CRM) Discount In order for a policy to qualify for any Collection Risk Modification (CRM) discounts, the policy must contain two or more vehicles with a total collection value greater than $250,000. The CRM discounts are only applicable to Comprehensive and Collision coverage. C. Security - The following discounts are available for a collection located in a garage with the following security features: 1. Automatic Sprinklers A 10% discount applies if an automatic sprinkler system is installed in the garage where the insured vehicles are kept. 2. Central Fire Alarm A 5% discount applies if a central fire alarm is installed and actively working in the garage where the insured vehicles are kept. 3. Central Burglary Alarm A 5% discount applies if a central burglary alarm is installed and actively working in the garage where the insured vehicles are kept. D. Construction Grade The following discounts are available for a collection located in a garage with the following construction types: Page 11 AMERICAN BANKERS INSURANCE COMPANY OF FLORIDA EDITION 04/10 AB#AA#MA

120 1. A 10% discount applies to garages constructed of any combination of the following materials: FIRE RESISTIVE Exterior Walls or Exterior Structural Frame Solid Masonry, including reinforced concrete Hollow Masonry less than 12 thick Hollow Masonry less than 12, but not less than 8 thick, with a fire resistance rating of not less than 2 hours Floors and Roof Monolithic floors and roof of reinforced concrete with slabs that are at least 4 thick Joist Systems with slabs supported by concrete joists spaced no more than 36 on centers with a slab thickness of not less than 2 ¾. Floor and roof assemblies with a fire resistance rating of not less than 2 hours. Structural Metal Supports Horizontal and Vertical load bearing protected metal supports with a fire resistance rating of not less than 2 hours. MODIFIED FIRE RESISTIVE Applicable to garages with exterior walls, floors and roof constructed of masonry materials that are listed as fire resistive materials, but deficient in thickness; or fire resistive materials that are listed as fire resistive, but with a fire resistive rating of less than 2 hours, but not less than 1 hour. 2. A 5% discount applies to garages constructed of any combination of the following materials: MASONRY NON-COMBUSTIBLE Applicable to garages with exterior walls of fire resistive construction or of masonry, and with non-combustible or slow burning floors and roof. NON-COMBUSTIBLE Applicable to garages with exterior walls, floors and roof of non-combustible or slow burning material supported by non-combustible or slow burning supports. 3. No discount applies to garages constructed of any combination of the following materials JOINTED MASONRY Applicable to garages with exterior walls of fire resistive construction of masonry and with combustible floors and roof. FRAME Applicable to garages with exterior walls, floors and roof of combustible construction or buildings with exterior walls of non-combustible or slow burning construction, with combustible floors and roof E. Spread of Risk The following discounts are available for a collection which is dispersed between a minimum of two locations. a. 2 Garaging Locations 3% Discount b. 3 Garaging Locations 6% Discount c. 4 or More Garaging Locations 10% Discount F. The total maximum discount allowed under parts A, B and/or C is 25%. Senior Principal Operator(s) Discount A 25% discount is applicable to the total policy premium. A principal operator must be 65 years or older. There must not be any operators with less than 10 years driving experience for this discount to apply. Passive Restraint Devices A 25% discount applies to Personal Injury Protection, Uninsured and Underinsured Motorists and Medical Payments coverage for vehicles equipped with air bags and/or automatic seat belts. Page 12 AMERICAN BANKERS INSURANCE COMPANY OF FLORIDA EDITION 04/10 AB#AA#MA

121 Anti-Theft Devices - Discounts apply to Comprehensive coverage only. Vehicles equipped with Anti-Theft Devices as defined below are entitled to a 5% Discount: Definitions: Passive describes an anti-theft or system which is activated automatically when the operator turns the ignition key to the off position. Alarm, except where otherwise specified, means horn, bell, siren or other sounding device which is audible at 300 feet. Note: The Company may require reasonable evidence of installation of any anti-theft device but may not refuse to grant a discount to a qualifying device solely on the grounds that it was installed by the owner of the auto. 1. Steering Column Armored Collar This device is similar to an oversized padlock which clamps on to the steering column over the ignition lock and prevents access to it. This device, when locked prevents the vehicle from being started or if the vehicle is hot-wired and started, this device prevents it from being steered. When not in use, this device does not attach to the steering column. 2. Steering Wheel Removal Lock This device prevents steering movement of the vehicle from a parked position. This is a high security steering wheel lock assembly manufactured of hardened steel components, which allows removal of the steering wheel from the vehicle. The assembly is permanently attached to the vehicle s steering column and is located between the column and the steering wheel. Operation of the lock is controlled by a high security configured key. Unlocking the assembly will permit removal of the steering wheel from the vehicle. A fitted security plate is then inserted onto the lock assembly in place of the steering wheel and the lock s security key is then removed. Re-attachment of the steering wheel onto the lock assembly requires use of the security key to first remove the fitted security plate and then to attach the steering wheel. The security key can be removed from the lock assembly only after either the security plate or steering wheel have been locked into place. 3. Ignition or Starter Cut-off Switch in Combination with Flush or Tapered Door Lock Buttons. This device is an ignition cut-off switch (a.k.a. kill-switch ) or a starter cut-off switch which is inserted into the ignition wiring of an auto. The switch is tripped when leaving the auto and must be switched back in order to start the auto. The switch must be installed so that it is not visible from the driver s position when the driver is seated. In addition, the vehicle must contain flush or tapered door lock buttons on all doors. A sticker may be used to identify the system. 4. Ignition or Start Cut-off Switches The ignition or starter cut-off switches either must be designed so that the wires leading from the switch to the engine compartment are protected by armored tubing or cable, or operate passively. 5. Non-Passive, Externally-Operated Alarm This is a non-passive warning alarm which is installed in the auto and can be set to go off if any door, the trunk or the hood is opened without first turning off the alarm by inserting a key into a lock mounted on the outside of the auto. Vehicles equipped with the following devices are entitled to a 15% discount: 1. Window Identification System A window identification system is one in which identification letters and/or numbers are etched by sandblasting, chemical process or other permanent marking into all windows of the vehicle other than the small vent windows. Provisions must be made for immediate telephone identification of the owner of the vehicle any time of day or night. 2. Car Transmission Lock This device prevents the vehicle from moving from a parked position by locking the gear shift. A steel-encased lock is permanently attached to the floor of the vehicle by a steel stand. The shackle, made of case hardened alloy steel, fits around the gear shift and is inserted into the lock. The device must have a high security locking system with at least 50,000 combinations. The lock, shackle and stand must resist cutting and filing. Vehicles equipped with following devices receive a 20% discount: Page 13 AMERICAN BANKERS INSURANCE COMPANY OF FLORIDA EDITION 04/10 AB#AA#MA

122 1. Passive Alarm System. This alarm must meet the following criteria: a. Ignition must be cut off automatically, or starter must be disabled automatically. b. Alarm must be triggered by entry of doors, hood or trunk. c. Hood must not open unless unlocked from inside the vehicle by a key, or by an electronic keyless device. d. Alarm must sound for no more than eight minutes and upon ceasing to sound must reset itself. e. Alarm must not emit a pulsating, whooping, or yelping sound which would cause it to be mistaken for the modern police, fire or other emergency vehicle siren. f. Alarm must be installed in the engine compartment so as to be inaccessible without opening hood. h. The system must be engaged passively by turning the ignition key to the off position. The disarm the system a tubular lock or electronic keyless device must be used. The maximum time delay permitted to disarm the system after re-entry is 20 seconds. 3. Passive Fuel Cut-Off Device. This fuel cut-off device is engaged by turning the ignition key to the off position. The driver must trip a switch to open the fuel line each time the vehicle is started. This device must meet the following criteria: a. The fuel line must be blocked when the power is off. b. Switch to open fuel line must be well hidden from view, but accessible to the driver from the driver s seat. In the alternative a tubular key or an electronic keyless device may be used. c. A parking/service attendant override switch may be provided. It must be well hidden from view. It must not be accessible from the passenger compartment; alternatively, if the override switch is accessible from the passenger compartment, a warning buzzer must sound (or the operator must be distracted in some other way) while the engine is running and the override switch engaged. If the buzzer is disconnected, it must result in disconnection of the entire anti-theft system. d. Any under-the-dash wiring installed in connection with this device must blend in color with factory-installed wiring. 3. Passive Ignition Lock Protective System This is a casehardened steel, protective cap which fits over the ignition lock so as to prevent extraction of the ignition lock cylinder. The cap fastens to a steel collar which fits around the steering post and over the ignition lock. A sticker may be used to identify the system. 4. Vehicle Recovery System This is an electronic unit installed in a vehicle that is activated after that vehicle is stolen. When activated, the device provides information to law enforcement officials or another public or private entity regarding the vehicle s location. The system provides for the routine delivery of the information to the appropriate law enforcement organization to assist in the recovery of the vehicle. Note: If two or more qualifying devices are attached to a vehicle, the total discount shall be that applicable to the device meeting the standards for the highest discount. NOTE: The maximum combinative discount per policy for all discounts listed above is 50%. Page 14 AMERICAN BANKERS INSURANCE COMPANY OF FLORIDA EDITION 04/10 AB#AA#MA

123 Optional Endorsements Towing & Labor for Collectors (TLC) Plans Emergency Expense Reimbursement Coverage Endorsement This optional endorsement provides increased Towing and Labor reimbursement coverage, in addition to reimbursement for other emergency roadside assistance options based on the plan selected. Coverage is provided for all vehicles listed on the policy declarations page. 1. Silver Plan - $9.95 Annual Premium a. $100 Emergency Towing b. $50 Roadside Assistance c. $50 Emergency Lockout d. Lost Key Return Service 2. Gold Plan - $24.95 Annual Premium a. $150 Emergency Towing b. $100 Roadside Assistance c. $50 Emergency Lockout d. Lost Key Return Service e. $10,000 Accidental Death and Dismemberment f. $250 Emergency Travel Expense g. $2,500 Theft Reward h. $250 Personal Effects i. $100 Ambulance Assistance j. $100 Car Show Expenses 3. Platinum Plan - $34.95 Annual Premium a. $250 Emergency Towing b. $150 Roadside Assistance c. $50 Emergency Lockout d. Lost Key Return Service e. $20,000 Accidental Death and Dismemberment f. $500 Emergency Travel Expense g. $5,000 Theft Reward h. $500 Personal Effects i. $250 Ambulance Assistance j. $150 Car Show Expenses k. $5,000 Bail Bond l. $1,000 Legal Defense Benefit m. $1,000 Hit and Run Reward n. TrailerGuard $150 each disablement Antique and Modified Autos are eligible for the Silver, Gold and Platinum Plans. Antique Motorcycles are only eligible for the Silver Plan. Accidental Death & Dismemberment coverage does not apply to any Motorcycles. Increased Spare Parts Coverage For an additional premium, the base limit of $500 may be increased as follows: Additional $500 for a total limit of $1,000 add $7.00 Additional $1,000 for a total limit of $1,500 add $14.00 The increased limit is applicable to all listed vehicles. The additional premium is on a per policy basis. Page 15 AMERICAN BANKERS INSURANCE COMPANY OF FLORIDA EDITION 04/10 AB#AA#MA

124 MASSACHUSETTS ANTIQUE AUTO 2,500 MILE TIER BODILY INJURY TO OTHERS LIMIT ONE CAR TWO CARS THREE OR MORE 20/40 $ 9 $ 13 $ 18 50/100 $ 10 $ 15 $ /100 $ 11 $ 17 $ /300 $ 13 $ 19 $ /300 $ 23 $ 34 $ /500 $ 34 $ 51 $ /500 $ 36 $ 55 $ /500 $ 45 $ 69 $ 90 DAMAGE TO SOMEONE ELSE S PROPERTY 5 $ 6 $ 8 $ $ 7 $ 10 $ $ 8 $ 12 $ $ 12 $ 18 $ $ 20 $ 29 $ $ 35 $ 36 $ 50 MEDICAL PAYMENTS LIMIT ONE CAR TWO CARS THREE OR MORE 5,000 $ 6 $ 10 $ 12 PERSONAL INJURY PROTECTION ($8,000 Medical Expense - $0 Deductible) ONE CAR TWO CARS THREE OR MORE $ 5 $ 9 $ 10 UNINSURED MOTORIST LIMIT ONE CAR TWO CARS THREE OR MORE 20/40 $ 8 $ 18 $ 26 50/100 $ 10 $ 20 $ /100 $ 16 $ 31 $ /300 $ 21 $ 42 $ /300 $ 30 $ 60 $ /500 $ 39 $ 77 $ /500 $ 42 $ 82 $ /500 $ 53 $ 103 $ 155 UNDERINSURED MOTORIST LIMIT ONE CAR TWO CARS THREE OR MORE 20/40 $ 7 $ 16 $ 23 50/100 $ 9 $ 18 $ /100 $ 14 $ 28 $ /300 $ 19 $ 38 $ /300 $ 27 $ 54 $ /500 $ 35 $ 70 $ /500 $ 37 $ 75 $ /500 $ 46 $ 94 $ 140 Page 16 AMERICAN BANKERS INSURANCE COMPANY OF FLORIDA EDITION 04/10 AB#AA#MA

125 MASSACHUSETTS ANTIQUE AUTO 2,500 MILE TIER PHYSICAL DAMAGE (STATED AMOUNT PER $100) AGE OF CAR Comp: 25 + Years Years Years $ 300 Ded 0.31*/ */ */0.84 $ 500 Ded 0.30*/ */ */0.81 $ 1,000 Ded 0.25*/ */ */0.74 $ 5% Ded 0.27*/ */ */0.75 $ 10% Ded 0.24*/ */ */0.67 $ 15% Ded 0.21*/ */ */0.59 $ 20% Ded 0.20*/ */ */0.57 Comp & Collision $ 300 Ded 0.53*/ */ */1.69 $ 500 Ded 0.50*/ */ */1.59 $ 1,000 Ded 0.40*/ */ */1.44 $ 5% Ded 0.46*/ */ */1.50 $ 10% Ded 0.41*/ */ */1.33 $ 15% Ded 0.36*/ */ */1.19 $ 20% Ded 0.34*/ */ */1.11 *Apply these rates when the $100 Safety Glass comprehensive deductible is selected. Page 17 AMERICAN BANKERS INSURANCE COMPANY OF FLORIDA EDITION 04/10 AB#AA#MA

126 MASSACHUSETTS ANTIQUE AUTO 5,000 MILE TIER BODILY INJURY TO OTHERS LIMIT ONE CAR TWO CARS THREE OR MORE 20/40 $ 15 $ 22 $ 30 50/100 $ 17 $ 25 $ /100 $ 18 $ 26 $ /300 $ 19 $ 28 $ /300 $ 33 $ 49 $ /500 $ 40 $ 61 $ /500 $ 43 $ 65 $ /500 $ 54 $ 81 $ 108 DAMAGE TO SOMEONE ELSE S PROPERTY 5 $ 10 $ 15 $ $ 12 $ 17 $ $ 13 $ 19 $ $ 20 $ 30 $ $ 32 $ 51 $ $ 40 $ 64 $ 88 MEDICAL PAYMENTS LIMIT ONE CAR TWO CARS THREE OR MORE 5,000 $ 9 $ 15 $ 18 PERSONAL INJURY PROTECTION (8,000 Medical Expense - $0 Deductible) ONE CAR TWO CARS THREE OR MORE $ 7 $ 12 $ 14 UNINSURED MOTORIST LIMIT ONE CAR TWO CARS THREE OR MORE 20/40 $ 11 $ 22 $ 33 50/100 $ 15 $ 30 $ /100 $ 23 $ 46 $ /300 $ 31 $ 62 $ /300 $ 43 $ 81 $ /500 $ 54 $ 100 $ /500 $ 58 $ 107 $ /500 $ 73 $ 134 $ 213 UNDERINSURED MOTORIST LIMIT ONE CAR TWO CARS THREE OR MORE 20/40 $ 10 $ 20 $ 30 50/100 $ 13 $ 26 $ /100 $ 20 $ 40 $ /300 $ 27 $ 54 $ /300 $ 39 $ 80 $ /500 $ 50 $ 106 $ /500 $ 54 $ 113 $ /500 $ 68 $ 141 $ 201 Page 18 AMERICAN BANKERS INSURANCE COMPANY OF FLORIDA EDITION 04/10 AB#AA#MA

127 MASSACHUSETTS ANTIQUE AUTO 5,000 MILE TIER PHYSICAL DAMAGE (STATED AMOUNT PER $100) AGE OF CAR Comp: 25 + Years Years Years $ 300 Ded 0.36*/ */ */1.02 $ 500 Ded 0.35*/ */ */0.99 $ 1,000 Ded 0.30*/ */ */0.89 $ 5% Ded 0.31*/ */ */0.89 $ 10% Ded 0.27*/ */ */0.79 $ 15% Ded 0.25*/ */ */0.72 $ 20% Ded 0.23*/ */ */0.66 Comp & Collision $ 300 Ded 0.63*/ */ */1.99 $ 500 Ded 0.60*/ */ */1.89 $ 1,000 Ded 0.50*/ */ */1.74 $ 5% Ded 0.54*/ */ */1.77 $ 10% Ded 0.48*/ */ */1.59 $ 15% Ded 0.44*/ */ */1.45 $ 20% Ded 0.40*/ */ */1.31 *Apply these rates when the $100 Safety Glass comprehensive deductible is selected. Page 19 AMERICAN BANKERS INSURANCE COMPANY OF FLORIDA EDITION 04/10 AB#AA#MA

128 MASSACHUSETTS MODIFIED VEHICLES 2,500 MILE TIER BODILY INJURY TO OTHERS LIMIT ONE CAR TWO CARS THREE OR MORE 20/40 $ 26 $ 47 $ 61 50/100 $ 29 $ 53 $ /100 $ 31 $ 57 $ /300 $ 38 $ 65 $ /300 $ 64 $ 113 $ /500 $ 112 $ 201 $ /500 $ 120 $ 215 $ /500 $ 150 $ 269 $ 350 DAMAGE TO SOMEONE ELSE S PROPERTY 5 $ 17 $ 31 $ $ 20 $ 35 $ $ 26 $ 44 $ $ 39 $ 59 $ $ 65 $ 91 $ $ 81 $ 114 $ 151 MEDICAL PAYMENTS LIMIT ONE CAR TWO CARS THREE OR MORE 5,000 $ 12 $ 18 $ 24 PERSONAL INJURY PROTECTION ($8,000 Medical Expense - $0 Deductible) ONE CAR TWO CARS THREE OR MORE $ 10 $ 15 $ 20 UNINSURED MOTORIST LIMIT ONE CAR TWO CARS THREE OR MORE 20/40 $ 8 $ 18 $ 26 50/100 $ 10 $ 20 $ /100 $ 16 $ 31 $ /300 $ 21 $ 42 $ /300 $ 30 $ 60 $ /500 $ 39 $ 77 $ /500 $ 42 $ 82 $ /500 $ 53 $ 103 $ 155 UNDERINSURED MOTORIST LIMIT ONE CAR TWO CARS THREE OR MORE 20/40 $ 7 $ 16 $ 23 50/100 $ 9 $ 18 $ /100 $ 14 $ 28 $ /300 $ 19 $ 38 $ /300 $ 27 $ 54 $ /500 $ 35 $ 70 $ /500 $ 37 $ 75 $ /500 $ 46 $ 94 $ 140 Page 20 AMERICAN BANKERS INSURANCE COMPANY OF FLORIDA EDITION 04/10 AB#AA#MA

129 MASSACHUSETTS MODIFIED VEHICLES 2,500 MILE TIER PHYSICAL DAMAGE (STATED AMOUNT PER $100) AGE OF CAR Vehicles 15+ Years Vehicles 15+ Years ALL Old with a Vehicle Old with a Vehicle Vehicles Less than Value >=$40,000 Value <$40, Years Old Comp.: $ 300 Ded. $ 0.67*/0.70 $ 1.12*/1.15 $ 1.12*/1.15 $ 500 Ded. $ 0.60*/0.63 $ 1.00*/1.03 $ 1.00*/1.03 $ 1,000 Ded. $ 0.48*/0.51 $ 0.80*/0.83 $ 0.80*/0.83 $ 5% Ded. $ 0.54*/0.57 $ 0.90*/0.93 $ 0.90*/0.93 $ 10% Ded. $ 0.48*/0.51 $ 0.80*/0.83 $ 0.80*/0.83 $ 15% Ded. $ 0.38*/0.41 $ 0.64*/0.67 $ 0.64*/0.67 $ 20% Ded. $ 0.33*/0.36 $ 0.55*/0.58 $ 0.55*/0.58 Comp. & Coll.: $ 300 Ded $ 1.06*/1.09 $ 1.77*/1.80 $ 1.77*/1.80 $ 500 Ded $ 0.96*/0.99 $ 1.60*/1.63 $ 1.60*/1.63 $ 1,000 Ded $ 0.78*/0.81 $ 1.30*/1.33 $ 1.30*/1.33 $ 5% Ded $ 0.87*/0.90 $ 1.45*/1.48 $ 1.45*/1.48 $ 10% Ded $ 0.81*/0.84 $ 1.35*/1.38 $ 1.35*/1.38 $ 15% Ded $ 0.64*/0.67 $ 1.07*/1.10 $ 1.07*/1.10 $ 20% Ded $ 0.53*/0.56 $ 0.89*/0.92 $ 0.89*/0.92 *Apply these rates when the $100 Safety Glass comprehensive deductible is selected. Page 21 AMERICAN BANKERS INSURANCE COMPANY OF FLORIDA EDITION 04/10 AB#AA#MA

130 MASSACHUSETTS MODIFIED VEHICLES 5,000 MILE TIER BODILY INJURY TO OTHERS LIMIT ONE CAR TWO CARS THREE OR MORE 20/40 $ 43 $ 80 $ /100 $ 49 $ 88 $ /100 $ 51 $ 92 $ /300 $ 56 $ 96 $ /300 $ 102 $ 200 $ /500 $ 132 $ 240 $ /500 $ 143 $ 254 $ /500 $ 179 $ 318 $ 418 DAMAGE TO SOMEONE ELSE S PROPERTY 5 $ 28 $ 58 $ $ 34 $ 60 $ $ 42 $ 70 $ $ 63 $ 95 $ $ 112 $ 173 $ $ 140 $ 216 $ 253 MEDICAL PAYMENTS LIMIT ONE CAR TWO CARS THREE OR MORE 5,000 $ 12 $ 18 $ 24 PERSONAL INJURY PROTECTION (8,000 Medical Expense - $0 Deductible) ONE CAR TWO CARS THREE OR MORE $ 16 $ 24 $ 32 UNINSURED MOTORIST LIMIT ONE CAR TWO CARS THREE OR MORE 20/40 $ 11 $ 22 $ 33 50/100 $ 15 $ 30 $ /100 $ 23 $ 46 $ /300 $ 31 $ 62 $ /300 $ 43 $ 81 $ /500 $ 54 $ 100 $ /500 $ 58 $ 107 $ /500 $ 73 $ 134 $ 213 UNDERINSURED MOTORIST LIMIT ONE CAR TWO CARS THREE OR MORE 20/40 $ 10 $ 20 $ 30 50/100 $ 13 $ 26 $ /100 $ 20 $ 40 $ /300 $ 27 $ 54 $ /300 $ 39 $ 80 $ /500 $ 50 $ 106 $ /500 $ 54 $ 113 $ /500 $ 68 $ 141 $ 201 Page 22 AMERICAN BANKERS INSURANCE COMPANY OF FLORIDA EDITION 04/10 AB#AA#MA

131 MASSACHUSETTS MODIFIED VEHICLES 5,000 MILE TIER PHYSICAL DAMAGE (STATED AMOUNT PER $100) AGE OF CAR Vehicles 15+ Years Vehicles 15+ Years ALL Old with a Vehicle Old with a Vehicle Vehicles Less than Value >=$40,000 Value <$40, Years Old Comp.: $ 300 Ded. $ 0.78*/0.81 $ 1.31*/1.34 $ 1.31*/1.34 $ 500 Ded. $ 0.72*/0.75 $ 1.20*/1.23 $ 1.20*/1.23 $ 1,000 Ded. $ 0.60*/0.63 $ 1.00*/1.03 $ 1.00*/1.03 $ 5% Ded. $ 0.63*/0.66 $ 1.05*/1.08 $ 1.05*/1.08 $ 10% Ded. $ 0.57*/0.60 $ 0.96*/0.99 $ 0.96*/0.99 $ 15% Ded. $ 0.45*/0.48 $ 0.76*/0.79 $ 0.76*/0.79 $ 20% Ded. $ 0.39*/0.42 $ 0.65*/0.68 $ 0.65*/0.68 Comp. & Coll.: $ 300 Ded $ 1.23*/1.26 $ 2.05*/2.08 $ 2.05*/2.08 $ 500 Ded $ 1.14*/1.17 $ 1.90*/1.93 $ 1.90*/1.93 $ 1,000 Ded $ 0.93*/0.96 $ 1.55*/1.58 $ 1.55*/1.58 $ 5% Ded $ 1.00*/1.03 $ 1.67*/1.70 $ 1.67*/1.70 $ 10% Ded $ 0.95*/0.98 $ 1.58*/1.61 $ 1.58*/1.61 $ 15% Ded $ 0.74*/0.77 $ 1.23*/1.26 $ 1.23*/1.26 $ 20% Ded $ 0.61*/0.64 $ 1.02*/1.05 $ 1.02*/1.05 *Apply these rates when the $100 Safety Glass comprehensive deductible is selected. Page 23 AMERICAN BANKERS INSURANCE COMPANY OF FLORIDA EDITION 04/10 AB#AA#MA

132 MASSACHUSETTS ANTIQUE MOTORCYCLE 2,500 MILE TIER BODILY INJURY TO OTHERS LIMIT ONE CAR TWO CARS THREE OR MORE 20/40 $ 26 $ 47 $ 61 50/100 $ 29 $ 53 $ /100 $ 31 $ 57 $ /300 $ 38 $ 65 $ /300 $ 64 $ 113 $ /500 $ 112 $ 201 $ /500 $ 120 $ 215 $ /500 $ 150 $ 269 $ 350 DAMAGE TO SOMEONE ELSE S PROPERTY LIMIT ONE CYCLE TWO CYCLES THREE OR MORE 5 $ 17 $ 31 $ $ 20 $ 35 $ $ 26 $ 44 $ $ 39 $ 59 $ $ 65 $ 91 $ $ 81 $ 114 $ 151 PEDESTRIAN PERSONAL INJURY PROTECTION (8,000 Medical Expense - $0 Deductible) ONE CYCLE TWO CYCLES THREE OR MORE $ 5 $ 9 $ 10 UNINSURED MOTORIST LIMIT ONE CAR TWO CARS THREE OR MORE 20/40 $ 8 $ 18 $ 26 50/100 $ 10 $ 20 $ /100 $ 16 $ 31 $ /300 $ 21 $ 42 $ /300 $ 30 $ 60 $ /500 $ 39 $ 77 $ /500 $ 42 $ 82 $ /500 $ 53 $ 103 $ 155 UNDERINSURED MOTORIST LIMIT ONE CAR TWO CARS THREE OR MORE 20/40 $ 7 $ 16 $ 23 50/100 $ 9 $ 18 $ /100 $ 14 $ 28 $ /300 $ 19 $ 38 $ /300 $ 27 $ 54 $ /500 $ 35 $ 70 $ /500 $ 37 $ 75 $ /500 $ 46 $ 94 $ 140 Page 24 AMERICAN BANKERS INSURANCE COMPANY OF FLORIDA EDITION 04/10 AB#AA#MA

133 Comp.: MASSACHUSETTS ANTIQUE MOTORCYCLE 2,500 MILE TIER PHYSICAL DAMAGE (STATED AMOUNT PER $100) AGE OF CYCLE & SUB $ 300 Ded $ 1.12*/1.15 $ 1.12*/1.15 $ 500 Ded $ 1.00*/1.03 $ 1.00*/1.03 $ 1,000 Ded $ 0.80*/0.83 $ 0.80*/0.83 $ 5% Ded $ 0.90*/0.93 $ 0.90*/0.93 $ 10% Ded $ 0.80*/0.83 $ 0.80*/0.83 $ 15% Ded $ 0.64*/0.67 $ 0.64*/0.67 $ 20% Ded $ 0.55*/0.58 $ 0.55*/0.58 Comp. & Collision $ 300 Ded $ 1.77*/1.80 $ 1.77*/1.80 $ 500 Ded $ 1.60*/1.63 $ 1.60*/1.63 $ 1,000 Ded $ 1.30*/1.33 $ 1.30*/1.33 $ 5% Ded $ 1.45*/1.48 $ 1.45*/1.48 $ 10% Ded $ 1.35*/1.38 $ 1.35*/1.38 $ 15% Ded $ 1.07*/1.10 $ 1.07*/1.10 $ 20% Ded $ 0.89*/0.92 $ 0.89*/0.92 *Apply these rates when the $100 Safety Glass comprehensive deductible is selected. MASSACHUSETTS ANTIQUE MOTORCYCLE 5,000 MILE TIER 5,000 Mile Tier is not available for Antique Motorcycle. Page 25 AMERICAN BANKERS INSURANCE COMPANY OF FLORIDA EDITION 04/10 AB#AA#MA

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