TIRE & WHEEL ROAD HAZARD CLAIMS PROCEDURES

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1 TIRE & WHEEL ROAD HAZARD CLAIMS PROCEDURES Direct Dealer Reimbursement is available for all dealers provided that the dealer adheres to their Dealer Agreement and provided losses are in check. We reserve the right to remove a dealer from Direct Dealer Reimbursement and place them on Customer Reimbursement in the event the dealer s losses are excessive or in the event that we terminate the relationship with the dealership. DIRECT DEALER REIMBURSEMENT The Service Representative at the dealership is responsible for calling in the claim and speaking to one of our representatives PRIOR to repairing and/or replacing a tire and/or wheel. Claims representatives are available by calling Monday through Friday from 9 am 8 pm eastern time. In order to obtain authorization, the service rep must have the make, model, size and tread depth of the damaged tire and/or wheel. The service rep must also provide the claims representative with the cost of the tire or wheel, and be prepared to tell us the cause of loss. IF THERE IS NO CAUSE OF LOSS OR TREAD DEPTH GIVEN, NO AUTHORIZATION WILL BE PROVIDED. A Claim Proof of Loss form MAY be requested and MUST be completed by, and signed by the customer at the dealership at the time the vehicle is dropped off for service. Claims forms can be obtained online at or If warranted, repair authorization will be given to the Service Representative in the form of a Claim Authorization Number, UNLESS the claim warrants additional investigation. The completed claim form must be faxed to along with a copy of an invoice. Documents can also be ed to twclaims@nsdmc.com If the claims representative decides to inspect, the claim will be assigned to a local appraiser with instruction to handle the inspection on a rush basis. Once the inspection is completed, the claims representative may provide an Authorization in the amount that they determine to be reasonable based on the inspection. Dealer should then submit the invoice and claim form via fax. Upon receipt of the invoice and properly completed claim form, the Claims Administrator will issue payment to the dealership; however, notwithstanding the fact that authorization has been granted, the Claims Administrator reserves the right to deny any claim that is excluded from coverage, or any claim that is found to be fraudulent. It should be made clear to the dealers that the authorization is an agreed price; however, it is an agreement to pay only in the event that coverage applies. In the event that a claim is called in and NSD has yet to receive the business, the Service Representative must be prepared to immediately fax a copy of the customer s contract (front and back) to or a copy to twclaims@nsdmc.com. The Service Representative must still follow all of the procedures listed above, and fax in the contract at the conclusion of his/her conversation with our representative. If the service representative does not have a copy of the contract, no authorization can be granted. If the business is more than ninety (90) days old, no authorization will be provided until such time as coverage can be verified by NSD. If the business is less than ninety (90) days old and there are no other issues, NSD will enter the contract into their system and handle the claim on its merits. NSD will still require that the business be located and remitted to them along with the appropriate premium payment. Disputes and Inquiries Any dispute over a payment amount or over procedures should be directed to Robert Quiroga at ext. 304 or Tara Sokol at ext Under no circumstances should the broker contact the NSD Claims Staff. If a dealership has an inquiry, they should feel free to contact the NSD representative who handled the claim. For Cosmetic Wheel Repair and/or Curb Impact Repair/Replacement Claims The consumer needs to call an NSD Claims Representative at , Monday through Friday from 9 a.m. to 8 p.m. eastern time. Information will be collected regarding the claim and a service provider will be dispatched to repair the consumer s wheel(s) OR they will be provided with further instructions.

2 CUSTOMER REIMBURSEMENT Authorization is required prior to repair or replacement of any wheel, and prior to replacement of any tire. The Claims Administrator reserves the right to deny any claim submitted without prior authorization. And the Administrator reserves the right to inspect any damaged tire(s) and/or wheel(s) prior to its repair or disposal. Failure to allow inspection will result in claim denial. All claims must be reported to NIU of Florida, Inc. (National Adjustment Bureau in the states of AR, IL, NH, OR and WI) within sixty (60) days from the date of loss at , Monday through Friday from 9 a.m. 8 p.m. eastern time. Every attempt should be made to repair rather than replace the damaged property. NIU of Florida, Inc. will only reimburse for the reasonable cost of repairs unless it can be demonstrated that the damaged tire(s) and/or wheel(s) could not be repaired. The Member should contact NIU of Florida, Inc. at between the hours of 9 a.m. 8 p.m. eastern time. The Member will need to provide the Claims representative with the following information: Year, make, model and mileage of the vehicle Position of the damaged tire(s) and/or wheel(s) on the vehicle. (i.e. Right rear tire) Tread depth of the damaged tire. This should be given in 32nd of an inch. Make, model and size of the damaged tire(s). i.e. XYZ brand Tire 245/55/ZR17 What caused the damage to the tire(s) and/or wheel(s). Where were the tire(s) and/or wheel(s) damaged (location of loss). Please note: a blowout is not the cause of damage but rather the result of damage. We need to know what caused the damage. i.e. while driving on XZY street I hit a pot hole. The name of the repair facility that the customer wishes to go to. A Claims representative will provide the Member with a claim number and they will be advised to have their repair facility contact NIU of Florida, Inc. for authorization. Failure to obtain such authorization will result in claim denial. The Claims Representative will mail a Proof of Loss form to the customer. The customer can also obtain a Proof of Loss form online at When the chosen repair facility contacts NIU of Florida, Inc., they will grant authorization if it appears that the damage will be covered and provided that the costs are reasonable. In the event that authorization is provided by NIU of Florida, Inc., they will fax a confirmation to the repair facility. Be advised that the customer MUST confirm with the repair facility that they have reached an agreed upon price with NIU of Florida, Inc. for the repair and/or replacement of the tire(s) and/or wheel(s) BEFORE the customer authorizes the work to be done. Otherwise the customer may be held responsible for any amounts charged in excess of what NIU of Florida, Inc. believes to be reasonable. The Proof of Loss form must be completed and returned to NAB along with the following documents: o The original, paid repair invoice o Additional documentation requested by NIU of Florida, Inc. in support of the customer s claim. All required documentation should be remitted to NIU of Florida, Inc. at: o Fax: o twclaims@nsdmc.com o Mail: NIU of Florida, Inc., 800 Yamato Road, Suite 100, Boca Raton, FL Upon receipt of all required documentation, NIU of Florida, Inc. will review the claim and render a decision or reimbursement within seven (7) business days.

3 KEY/REMOTE REPLACEMENT CLAIMS PROCEDURES ALL CLAIMS MUST BE REPORTED TO THE CLAIMS ADMINISTRATOR, NATIONAL ADJUSTMENT BUREAU (NAB), AS SOON AS POSSIBLE, AT , MONDAY THROUGH FRIDAY FROM 9 A.M. 8 P.M. EASTERN TIME. ALL KEYS AND/OR REMOTES THAT ARE REPORTED LOST, STOLEN OR DESTROYED MUST BE DEPROGRAMMED PRIOR TO REPLACEMENT TO PROTECT THE SAFETY AND SECURITY OF THE MEMBER. IF THE MEMBER IS WITHIN TWENTY FIVE (25) MILES OF THE ORIGINATING DEALER: The Member must return to the original selling dealership to obtain a replacement key/remote. The Member will only be responsible for costs in excess of their Plan limit: o Four hundred ($400) for Plan 1 o Eight hundred ($800) for Plan 2 The dealership MUST collect any damaged key(s)/remote(s) from the Member at the time of replacement The dealership must provide a copy of the work order to NAB. o Fax: o twclaims@nsdmc.com o Mail: National Adjustment Bureau, 800 Yamato Road, Suite 100, Boca Raton, FL IF THE MEMBER IS MORE THAN TWENTY FIVE (25) MILES FROM THE ORIGINATING DEALER: The Member may go to any Appropriate Franchise Dealership for service. An Appropriate Franchise Dealer is defined as any dealership which is authorized by the Original Equipment Manufacturer (OEM) to replace damaged keys/remotes. The Member must call National Adjustment Bureau (NAB) for authorization prior to the replacement of the key(s)/remote(s) The Member must complete and return a Key/Remote Replacement Proof of Loss form. Proof of loss forms are available at The Dealer must collect any non-working keys/remotes from the Member at the time of replacement. The Member must pay for the replacement key(s)/remote(s) and submit the original paid invoice to National Adjustment Bureau at 800 Yamato Road, Suite 100, Boca Raton, FL for reimbursement consideration. Upon verification that all requirements have been satisfied, Members will be reimbursed up to their coverage limit: o Up to four hundred ($400) for Plan 1 o Up to eight hundred dollars ($800) for Plan 2

4 PAINTLESS DENT REPAIR CLAIMS PROCEDURES The Member must call the Claims Administrator, NIU of Florida, Inc. (National Adjustment Bureau in the states of AR, IL, NH, OR and WI) at , Monday through Friday from 9 a.m. 5 p.m. eastern time to report the damage. IDEALLY, this will be done while the Member is at the dealership. The Member must provide a full description of the damage to the vehicle and the cause of damage. Provided that the loss is covered, NIU of Florida, Inc. will dispatch repair service at their full cost and expense. The Dealership must make the vehicle available for inspection if requested by NIU of Florida, Inc. The authorization of any claim is made at the sole discretion of NIU of Florida, Inc. They reserve the right to investigate any claim by any reasonable means available. Additionally, notwithstanding the fact that they have provided authorization, they reserve the right to deny any claim in the event of fraud, breach of post-loss conditions or in the event that they determine the claim is not covered for any reason. In the event a loss occurs within the first ninety (90) days of the coverage term, the dealership should be prepared to fax a legible copy (front and back) of the consumers agreement. Claims submissions on business that is older than ninety (90) days will not be authorized without proof of remittance to NSD.

5 WINDSHIELD REPAIR CLAIMS PROCEDURES The Member must call the Claims Administrator, NIU of Florida, Inc. (National Adjustment Bureau in the states of AR, IL, NH, OR and WI) at , Monday through Friday from 9 a.m. 5 p.m. eastern time to report the damage. IDEALLY, this will be done while the Member is at the dealership. The Member must provide a full description of the damage to the vehicle and the cause of damage. Provided that the loss is covered, NIU of Florida, Inc. will dispatch repair service at their full cost and expense. Alternatively, the Member may schedule with a repair facility of his/her own choosing and NIU of Florida, Inc. will reimburse the Member up to sixty dollars ($60). The Dealership must make the vehicle available for inspection if requested by NIU of Florida, Inc. The authorization of any claim is made at the sole discretion of NIU of Florida, Inc. They reserve the right to investigate any claim by any reasonable means available. Additionally, notwithstanding the fact that they have provided authorization, they reserve the right to deny any claim in the event of fraud, breach of post-loss conditions or in the event that they determine the claim is not covered for any reason. In the event a loss occurs within the first ninety (90) days of the coverage term, the dealership should be prepared to fax a legible copy (front and back) of the consumers agreement. Claims submissions on business that is older than ninety (90) days will not be authorized without proof of remittance to NSD.