Driver Advantage with Cell Phone Protection Terms and Conditions

Transcription

1 Driver Advantage with Cell Phone Protection Terms and Conditions

2 Congratulations and welcome to the Driver Advantage Plan provided by This program offers comprehensive protection for your automobile and cell phone. Please review the Terms and Conditions provided in this booklet Please keep this booklet with your other important papers. For any questions about the plans, you may contact: Terms and Conditions: Table of Contents Automobile Deductible Reimbursement (ADR) pages 3-5 To Your Rescue Automotive Benefits pages 6-12 Cell Phone Protection pages 13-14

3 Terms and Conditions Automobile Deductible Reimbursement (ADR) Definitions Auto Insurance refers to a policy of insurance issued to the member for which the member is the Named Insured covering a vehicle owned by the member against all risks including direct physical damage. The auto insurance policy must be a valid and active program/form. Loss refers to a loss or damage to the member s covered vehicle and/or personal effects. Member refers to the individual who is added as a participant under the program provider s auto deductible reimbursement blanket policy. Covered Vehicle refers to a non commercial single (4) wheel vehicle of the member evidenced by the title or registration of the vehicle which was purchased or leased by member and is covered by an auto policy of insurance issued to the member for which the member is the Named Insured. Personal Effects refers to personal property of the member within a Covered Vehicle and insured by the member s auto policy. Theft refers to the taking or removing of property with intent to deprive the rightful owner. It includes robbery, burglary and larceny. Coverages Automobile Deductible Reimbursement: We will reimburse the covered member for a loss to the member s covered vehicle/and or personal effects equal to the deductible limit shown on the member s auto insurance policy, or up to a maximum limit of $500. Auto Deductible Reimbursement coverage does not apply if: 1. the member does not maintain in force auto insurance on the member s Covered Vehicle at the time of loss; 2. the claim under the member s auto insurance is not covered or has been denied by the member s auto insurance company; 3. the loss does not exceed the current auto insurance deductible or does not cause a payment to be made by the current auto insurance carrier to member because the loss to the member s covered vehicle/and or personal effects does not exceed the current auto insurance deductible. 4. the member s auto insurance company or service provider has waived the auto insurance deductible. Automobile Deductible Reimbursement is limited to two (2) claims per twelve (12) month period. Limits of Insurance 1. The most we will pay for loss in any one occurrence is $ Auto Deductible Reimbursement coverage is excess to any other applicable indemnity program. Exclusions A. We will not pay for loss caused by or resulting from any of the following: 1. Delay, loss of market, loss of use, or any other causes of consequential loss, including (but not limited to) losses arising from loss of time, inconvenience, lost profits or savings or other incidental, special, or consequential damages arising out of the use of or inability to use the member s covered vehicle/and or personal effects 3

4 2. Intentional or dishonest acts by: You, the member or anyone else with an interest in member s covered auto or personal effects; your employees or authorized representatives; whether or not acting alone or in collusion with other persons and whether or not occurring during the hours of employment. 3. Wear and tear, depreciation or obsolescence, or damage through normal course of use or consumption. 4. Deterioration, hidden or latent defect, or any quality in member s covered vehicle/and or personal effects that causes it to damage or destroy itself. 5. Warlike action by military force including action in hindering or defending against an actual or expected attack, by any government, sovereign or other authority using military personnel or other authority using military personnel or other agents; or 6. Insurrection, rebellion, revolution, usurped power or action taken by governmental authority in hindering or defending against any of these. B. We will not pay for loss caused directly or indirectly by any of the following: 1. Seizures or destruction of member s covered vehicle/and or personal effects by order of governmental authority; 2. Any weapon employing atomic fission or fusion; or 3. Nuclear reaction or radiation, or radioactive contamination from any other cause. But we will pay for direct physical loss to member s covered vehicle and/or personal effects caused by resulting fire; or 4. War, including undeclared or civil war. Such loss is excluded regardless of any other cause or event that contributes to the loss, whether concurrently or in any other sequence. Loss Conditions A. ABANDONMENT There can be no abandonment of any property to us. B. LOSS PAYMENT We will pay or make good any loss covered under this Policy within thirty (30) days after: a. We reach agreement with you; or b. The entry of final judgment. C. RECOVERIES Any recovery or salvage on a loss will accrue entirely to our benefit until we have been fully reimbursed for our payment. D. REINSTATEMENT OF LIMIT AFTER LOSS The maximum limit of insurance will not be reduced by the payment of any claim. E. How to File a Claim: In the event of a claim, please contact the claims administrator (800) and reference # HPI The following documentation is needed to complete the claim: o Completed claim form o Copy of Primary Insurance Declaration Page to verify the deductible o Copy of settlement check or settlement breakdown from Primary Auto Carrier, o Repair Facility Estimate o Invoice from Repair facility for deductible, and proof of deductible payment. o Police report if applicable. Information may be sent to the Adjuster via: myclaiminfo@assurant.com Fax number: (866) Regular mail address: Assurant Claim, PO Box , Miami, FL The member must see that the following are done in the event of loss: 4

5 1. Notify the police if a law may have been violated; 2. Give us, or our authorized representative at, notice of the loss within forty-five (45) days of the original date of loss, damage, or theft; 3. As soon as possible, give us, or our authorized representative, a description of how, when and where the loss occurred; 4. Take all reasonable steps to protect and preserve the, member s covered vehicle and/or personal effects from further damage. Also, keep a record of expenses, for consideration of the settlement of the claim; 5. Permit us to inspect the member s covered vehicle and/or personal effects and records proving loss; 6. If requested, permit us to question the member under oath, at such times as may be reasonably required, about any matter relating to this insurance or the claim, including your books and records. In such event, the member s answers must be signed; 7. Send us a signed, sworn proof of the loss containing the information we request to settle the claim. This must be provided within sixty (60) days after our request; 8. Promptly send us any legal papers or notices received concerning the loss; and 9. Cooperate with us in the investigation or settlement of the claim. F. TRANSFER OF RIGHTS OF RECOVERY AGAINST OTHERS TO US If any person or organization to or for whom we make payment under this insurance has rights to recover damages from another those rights are transferred to us. That person or organization must do everything necessary to secure our rights and must do nothing after loss to impair them. This Auto Deductible Reimbursement described herein is underwritten by Voyager Indemnity Insurance Company, an Assurant Specialty Property company. 5

6 The Drive With Confidence Program is a suite of complimentary benefits extended to Driver Advantage Members and is administered by Sonsio Management, Inc. Your Program benefits begin on the effective date stated by Driver Advantage and continue for 365 days from the effective date ( Benefit Period ). WHO IS ELIGIBLE FOR BENEFITS? The Program benefits are extended to you, your spouse, and other legal drivers living in your household. The benefits are specific to the non-commercial private passenger vehicle(s) registered to you, or an eligible member of your household and eligible for the automotive benefits of the Driver Advantage Membership (the Eligible Vehicle or Eligible Vehicles ). Benefits are not transferable to anyone who may purchase your Eligible Vehicle. WHAT ARE THE DRIVE WITH CONFIDENCE BENEFITS? My Auto Expert, To Your Rescue Roadside Assistance, and REPAIR GUARD Limited Warranty Doubler. DRIVE WITH CONFIDENCE My Auto Expert Repair Advisor What is My Auto Expert? My Auto Expert is a phone service that provides access to ASE Certified Automotive Technicians. Our expert, unbiased, and independent technicians offer general and emergency advice. My Auto Expert ASE Certified Automotive Technicians utilize automotive expertise as well as industry leading tools to assist you with questions related to your vehicle or a vehicle you are driving, including rental cars. What Are the Benefits? Your benefits include access to the following services: My Auto Expert Shop Locator My Auto Expert takes the guesswork out of finding a qualified repair facility willing to stand by its work. When a mechanical repair is needed, My Auto Expert will direct you to one of 33,000 nationally affiliated repair facilities that provide a minimum 12-Month/12,000-Mile Nationwide Parts & Labor Warranty on qualifying repairs or services. 12-Month/12,000-Mile Nationwide Warranty When qualifying repairs or services are performed by a My Auto Expert network facility, you will receive a minimum written 12-month / 12,000-mile parts and labor warranty on covered repairs and services. The warranty will be honored by any repair facility in the My Auto Expert network, or any other authorized repair facility anywhere in the United States. Validation & Second Opinions My Auto Expert technicians validate the mechanical diagnosis and recommended repairs provided by a repair facility. They will: o Speak with you directly and listen to your concerns related to your vehicle and the repair work proposed; o Speak with the technician at a repair facility, review their diagnosis and estimate for repairs to your vehicle; o Provide their expertise and opinion about the repair work proposed for your vehicle, and whether you are receiving the appropriate service for your vehicle. Repair Cost Estimator If you question an estimate quoted by a mechanic, we will analyze your estimate using the most current parts costs and labor rates for any region of the country. My Auto Expert technicians will: 6

7 o Provide you with an estimate for repair services based on your description of the problems you are experiencing. o Review the estimates you have received for the repairs to your vehicle to help you determine if you are getting a fair price. Mechanical Diagnosis My Auto Expert technicians will help determine the potential issues negatively affecting the automobile. If unable to provide a specific diagnosis over the phone, they will help narrow down possible issues and provide information which may be helpful to a repair shop. Technical Assistance Vehicle Features and Mechanical Problems My Auto Expert technicians answer questions and provide guidance on vehicle features and basic owner s manual maintenance, from how to open the gas tank cover on your rental car to how to get that new headlight bulb installed. In the event you are stranded due to a mechanical failure, and need emergency roadside assistance with your vehicle, My Auto Expert can connect you to a Roadside Assistance provider with which you can make arrangements (at your expense). What Are the Limitations? This service only provides advice based upon the information you provide. To be eligible for the 12-Month/12,000-Mile Nationwide Warranty you must: o Go to one of the My Auto Expert network facilities to which you were referred o Have covered repairs or services performed (certain repairs and services are not covered*) o Retain your original invoice for the repairs to your vehicle o This Warranty is extended only to you, the original purchaser, and not to anyone who may purchase your vehicle from you during the term of the warranty. * Please see the terms and conditions of the warranty statement for complete details My Auto Expert in no way guarantees the integrity of the actual repair work performed. This service is not transferable. This service is limited to personal-use vehicles, and all commercial-use vehicles are excluded. How Do I Use This Service? Make sure you have your Member number ready. Contact My Auto Expert by phone toll-free at between the hours of 8AM and 8PM ET, Monday through Friday, and Saturdays from 8AM to 5:30PM ET: General: 1. My Auto Expert provides information and advice about mechanical repairs and services based upon information provided by you, and in no way makes any representations or guarantees regarding the work that has been or will be performed on your vehicle. No estimates, repairs or services are warranted by My Auto Expert. 2. My Auto Expert is a service of Sonsio Administrative Services, Inc. ( Sonsio ). 3. The 12-Month/12,000-Mile Nationwide Warranty is made by the Independent Repair Facility ( Facility ) who is so named on the original repair order, and who performed the service/repairs on your vehicle. This warranty is not a warranty by Sonsio Administrative Services, Inc., its affiliates, subsidiaries or any of their employees, or member companies. In addition, Sonsio serves as the warranty administrator ( Warranty Administrator ) only. 4. The terms and conditions outlined herein are the full and complete agreement between the parties. No oral representations should be relied upon, including any oral statements of the repairing shop. 5. Sonsio may delegate the performance of its duties and obligations and assign its rights and benefits hereunder. 7

8 6. Neither Sonsio nor My Auto Expert assumes any obligation or responsibility with regard to the vehicle. 7. Neither Sonsio nor My Auto Expert assumes nor authorizes anyone to assume additional liability on its behalf. DRIVE WITH CONFIDENCE To Your Rescue Roadside Assistance What is To Your Rescue Roadside Assistance? To Your Rescue Roadside Assistance provides emergency roadside assistance services when your Eligible Vehicle becomes disabled. Benefits include Towing, Flat Tire Assistance, Emergency Fluid Service, Battery Assistance, and Lock- out assistance. The maximum benefit limit per occurrence is seventy-five ($75.00) dollars per disablement. You may request covered roadside assistance services for two occurrences per Benefit Period. What are the Benefits? You may obtain roadside assistance for your Eligible Vehicle anywhere in the United States by calling This toll-free number provides access to roadside assistance services 24 hours a day, 365 days a year. This benefit applies to motorized passenger vehicles only and specifically excludes trailers. Your benefits include access to the following services: Towing Benefit: When towing is required, the Eligible Vehicle will be towed to the nearest qualified service facility. Flat Tire Assistance: Assistance consists of the replacement of a flat tire with the vehicle s spare tire. Fuel, Oil, Fluid, & Water Delivery Service: An emergency supply of fuel (where permitted), oil, fluid and water will be delivered to any Eligible Vehicle in immediate need. You are responsible to pay for the actual cost of the fluid at the time of the service. Battery Assistance: Battery assistance (jump-start) will be provided to any Eligible Vehicle in immediate need. Lock-out Assistance: Assistance will be provided in gaining entry to an Eligible Vehicle if the keys are lost or locked inside. What Are the Limitations? Service is limited to your Eligible Vehicle. Service is not available for vehicles with a manufacturer s load rating capacity greater than one-ton. This Program benefit is intended to cover emergencies and is not intended to be a substitute for proper vehicle maintenance or repair. You must be with the Eligible Vehicle when the service provider arrives, as roadside assistance cannot be provided to an unattended vehicle. Service fees may be assessed by the provider when (i) the driver is not with the Eligible Vehicle when the provider arrives, or (ii) the Eligible Vehicle is not at the location given to the dispatcher and you did not call to cancel the request for service within 5 minutes of the original call for assistance. These service fees, if assessed, will be counted as an occurrence. What are the Exclusions? The Program will not pay or reimburse for: Repair or damage to a vehicle. Cost of parts, replacement keys, lubricants, fluids; cost of installation of products or materials. Non-emergency mounting or removing of any tires, snow tires, or chains. Service on a vehicle that is not in a safe condition to be towed. Impound towing or towing by other than an authorized service provider; 8

9 Vehicle storage charges. Any additional labor related to towing due to specialized equipment or processes required to transport your Eligible Vehicle due to non-factory modifications or enhancements made to the Eligible Vehicle. Towing by other than a licensed service station or garage. Towing or service on roads not regularly maintained, such as sand beaches, open fields, forests, and areas designated as not passable due to construction, etc. Towing at the direction of a law enforcement officer relating to traffic obstruction, impoundment, abandonment, illegal parking, or other violations of law. Traffic fines, citations or penalties. Coverage shall not be provided in the event of emergencies resulting from the use of intoxicants or narcotics, or the use of the vehicle in the commission of a felony. Any roadside assistance services provided to a vehicle by a private citizen's assistance is not covered and is not reimbursable. Non-emergency towing or other non-emergency service. No expressed guarantee is given other than that stated herein. The Administrator reserves the right to deny any claim submitted with false or misleading information. DRIVE WITH CONFIDENCE REPAIR GUARD Limited Warranty Doubler WHAT IS REPAIR GUARD LIMITED WARRANTY DOUBLER? REPAIR GUARD doubles the Authorized Repair Facility s nationwide written warranty for the qualified repairs identified on the warranty statement, excluding repairs not eligible for REPAIR GUARD as named below. When a qualifying repair is performed by an Authorized Repair Facility for your Eligible Vehicle, the original warranty period on those repairs will be doubled, as long as you still own the Eligible Vehicle ( Benefit Period ). REPAIR GUARD does not replace the original Authorized Repair Facility warranty on qualified repairs. This Program only becomes effective when the original warranty period on the qualified repair expires. WHAT ARE THE LIMITATIONS? You must use an Authorized Repair Facility to perform the original qualifying repair. You must retain the original invoices for the qualifying repairs (see optional registration option below). The original invoice must include the year, make, model, mileage and VIN of the vehicle. The original invoice must include a description of the mechanical breakdown and the parts and labor required by the Authorized Repair Facility to repair the Eligible Vehicle. The subsequent warranty repair(s) must be performed on the Eligible Vehicle to remedy a defect in the original qualifying repair. Warranty repair costs shall in no case exceed the costs of the original qualifying repair or service. Defects in workmanship are covered unless excluded by the original written warranty from the Authorized Repair Facility. HOW DO I FIND AN AUTHORIZED REPAIR FACILITY? REPAIR GUARD will direct you to one of 33,000 Nationally-Affiliated Automotive Repair Facilities that provide a minimum 12-Month/12,000-Mile Nationwide Parts & Labor Warranty on qualifying repairs or services (the Authorized Repair Facilities ). Call (toll-free) for assistance locating an Authorized Repair Facility. You must use an Authorized Repair Facility to be eligible for REPAIR GUARD Limited Warranty Doubler on the qualified repair. Regardless of the availability of an Authorized Repair Facility, REPAIRS THAT ARE NOT PERFORMED BY AN AUTHORIZED REPAIR FACILITY ARE NOT ELIGIBLE FOR THE REPAIR GUARD Limited Warranty Doubler. 9

10 WHICH AUTOMOTIVE REPAIRS ARE QUALIFIED REPAIRS? Qualified repairs are those repairs covered by the original written warranty from the Authorized Repair Facility, unless excluded below. WHICH AUTOMOTIVE REPAIRS ARE EXCLUDED REPAIRS? Specifically excluded are any repairs excluded by the original written warranty from the Authorized Repair Facility and any repairs involving replacement or removal of internally lubricated parts and other such repairs as listed below. Additionally, the following are excluded from the REPAIR GUARD Limited Warranty Doubler: 1. REPAIRS AND/OR REPLACEMENTS OF PARTS AND COMPONENTS DUE TO NORMAL WEAR AND TEAR a. E.g., brake pads, belts, etc. 2. ENGINE: a. Any internal repairs or replacement of internal components, or replacement of engine assembly. 3. TRANSMISSION, TRANSAXLES: a. Automatic any internal repair or component replacement requiring the removal of the automatic transmission or transaxle from the vehicle or disassembly of same. b. Manual any internal repair or component replacement requiring the removal of the transmission or transaxle from the vehicle or disassembly of same. c. Clutches Clutch component or assembly repair or replacement. 4. DRIVE AXLE/DIFFERENTIAL ASSEMBLY: a. Any repair or component replacement requiring the removal of internally lubricated components or replacement of the drive axle/differential assembly. i. Ring gear, pinion shaft and related gears. ii. Associated bearing with above. iii. Pinion seal. 5. AUTO BODY, PAINT, MOLDING REPAIR: a. Glass and glass related repairs. b. Any repair or materials related to auto body repair work. 6. TIRES, WHEELS, BATTERIES 7. USED OR SALVAGED PARTS 8. REPAIRS ON COMMERCIAL VEHICLES 9. PREVENTIVE MAINTENANCE a. E.g., oil changes, coolant flushes, etc. 10. NON-AUTOMOTIVE REPAIRS & SERVICES a. E.g., towing, rental car, roadside assistance, tire or wheel road hazard, etc. BEFORE YOU HAVE YOUR VEHICLE REPAIRED: If your Eligible Vehicle is in need of a qualifying repair or experiences a mechanical breakdown, call (toll-free) to locate an Authorized Repair Facility. WHAT SHOULD I DO IF THE REPAIR FAILS AFTER THE ORIGINAL WARRANTY PERIOD EXPIRES? If you are able to return to the original Authorized Repair Facility, take your Eligible Vehicle to that facility and present your original repair invoice, or a legible copy of the same, to the facility. Prior to any warranty repair work being performed, you or the Authorized Repair Facility must contact the administrator at (toll-free) for REPAIR GUARD repair authorization. If you cannot return to the original Authorized Repair Facility, prior to any warranty repair work being performed, you must call (toll-free) and you will be directed to the nearest participating Authorized Repair Facility or other authorized repairing facility. 1. You must present a copy of the original repair invoice when seeking REPAIR GUARD warranty service. 2. Prior to any warranty repair work being performed, you or the Authorized Repair Facility must contact the administrator at (toll-free) for repair authorization. 3. The administrator will pay the secondary Authorized Repair Facility directly for authorized repairs once a copy of the original repair invoice and the subsequent warranty-repair invoice has been submitted to the administrator and the claim has been approved. 4. In the event that an authorized repairing facility will not accept payment from the administrator, the administrator will reimburse you for qualifying expenses (see What Do I Need to Do to Submit a Request for Reimbursement below). WHAT DO I NEED TO DO TO SUBMIT A REQUEST FOR REIMBURSEMENT? 10

11 Submit your written request for reimbursement along with the required documents listed below by , fax or postal mail within sixty (60) days of the original date of the Mechanical Warranty Repair. Requests submitted after 60 days are not eligible for reimbursement. Requests may be sent by: o to DoubleTheWarranty@sonsio.com o Fax to o Postal Mail to REPAIR GUARD, PO BOX 17659, Golden, CO WHAT DOCUMENTS ARE REQUIRED TO SUBMIT WITH MY REQUEST? Your written request for reimbursement which must include the following so that we can contact you if necessary for additional or missing information: o Your First and Last Name o The best way to reach you (telephone, address, or postal address) o Your complete mailing address A legible copy of the original repair invoice showing: o The name, address, and telephone number of the Authorized Repair Facility; o Your first and last name, and complete address; o The year, make, model, VIN and mileage of the Eligible Vehicle; and o A description of the mechanical breakdown and the parts and labor required to repair the Eligible Vehicle; and A legible copy of the subsequent warranty repair invoice showing: o The name, address, and telephone number of the original or secondary Authorized Repair Facility or authorized repair facility; o Your first and last name, and complete address; o The year, make, model, VIN and mileage of the Eligible Vehicle; and o A description of the mechanical breakdown and the parts and labor required to re-repair the Eligible Vehicle; Any other documents as requested to verify the claim HOW WILL I BE REIMBURSED? If the documentation submitted is verified and approved, you will receive your reimbursement check promptly by mail. DO I NEED TO REGISTER MY REPAIR? Registration is recommended. Registering your original repair will simplify the process in the event that your original repair fails beyond the Authorized Repair Facility s warranty period and you wish to submit a request for reimbursement. HOW DO I REGISTER MY REPAIR? Submit the required information and documents listed below by fax or by postal mail, preferably within sixty (60) days of the purchase of the qualifying repair. Registration may be submitted: o By FAX to o Or by postal mail to REPAIR GUARD, PO BOX 17659, Golden, CO WHAT INFORMATION AND DOCUMENTS ARE NEEDED TO REGISTER MY REPAIR? Your repair registration information which must include the following: o Your First and Last Name o The best way to reach you (telephone, address, or postal address) o Your complete mailing address A legible copy of the original repair invoice showing: o The name, address, and telephone number of the Authorized Repair Facility; o Your first and last name, and complete address; o The year, make, model, VIN and mileage of the Eligible Vehicle; and 11

12 o A description of the mechanical breakdown and the parts and labor required to repair the Eligible Vehicle. WHAT ARE THE EXCLUSIONS? 1. The Program will not pay or reimburse for: a. Subsequent warranty service or repairs on your Eligible Vehicle if the original qualified repairs were not performed by an Authorized Repair Facility. b. Requests for reimbursement of non-eligible expenses which include but are not limited to nonqualifying or excluded repairs. c. Repairs or services performed on your Eligible Vehicle if it has been damaged by abnormal use, misuse, neglect, accident, alteration or tampering with. d. Repairs or services performed on commercial vehicles. e. Any non-warranty service you order to be performed at the same time as the warranty service. f. Any costs or expenses you incur resulting from anything other than your Eligible Vehicle s mechanical breakdown due to workmanship or the failure of parts. g. Any costs or expenses you incur related to a vehicle accident or collision or any damage which is normally covered by an automobile insurance policy. h. Any costs or expenses you incur (i) related to fraud, abuse, intentional acts, illegal activity, war or hostilities of any kind; or (ii) involving damage caused by any outside element including but not limited to accident, collision, fire, theft, vandalism, riot, explosion, lightning, earthquake, freezing, rust or corrosion, windstorm, hail, water or flood. i. Any costs or expenses you incur involving alterations made to the Eligible Vehicle or using the Eligible Vehicle in a manner which is not recommended by the manufacturer. j. INCIDENTAL OR CONSEQUENTIAL DAMAGES (additional expenses which you may incur as the result of faulty repair or service). Some states do not allow the exclusion or limitation of incidental or consequential damages, so the above limitation or exclusion may not apply to you. 2. Regardless of the availability of an Authorized Repair Facility, REPAIRS THAT ARE NOT PERFORMED BY AN AUTHORIZED REPAIR FACILITY ARE NOT ELIGIBLE FOR THE REPAIR GUARD BENEFITS. 3. The Authorized Repair Facility s employees and/or agents do not have authority to modify the terms of this Program nor to make any promises in addition to those contained herein. 4. This Program gives you specific rights, and you may also have other rights, which vary from state to state. GENERAL: 1. The terms and conditions outlined herein are the full and complete agreement between the parties. No oral representations should be relied upon, including any oral statements of the selling or repairing dealer. 2. The Administrator assumes no obligation or responsibility with regard to the vehicle. 3. The Administrator neither assumes nor authorizes anyone to assume additional liability on its behalf. 4. If a claim is paid by the administrator and should have been paid as a result of coverage by a valid collectible insurance policy, or by another party, you agree that the administrator shall have subrogation rights allowing it to be reimbursed for the amount of the paid claim. You understand that after you have been made whole, the reimbursement may be payable by you, your insurance company, or another party. 5. Any component shipped for inspection at the Administrator s expense, becomes the property of the Administrator and can be disposed of in any manner deemed appropriate. 12

13 CELLULAR TELEPHONE PROTECTION BENEFIT GUIDE Please keep this document in a safe place. It will serve as a valuable reference guide in understanding your Cellular Telephone Protection Benefit. The Benefit Administrator can assist you with general questions regarding this Benefit. Please call to speak to the Benefit Administrator. CELLULAR TELEPHONE PROTECTION ELIGIBILITY To be eligible for this Benefit, you must be a member of My Rewards in good standing. Only cellular wireless telephones purchased by the member will be covered. Eligible cellular wireless telephones are the primary line and up to the first two secondary, additional, or supplemental lines as listed on your cellular provider s monthly billing statement for the billing cycle preceding the month in which the theft or damage occurred. Cellular Telephone Protection is not available to residents of New York. CELLULAR TELEPHONE PROTECTION BENEFIT Cellular Telephone Protection will reimburse the member for damage or theft of eligible cellular wireless telephones, subject to the terms and conditions as described in this Benefit Guide. Your Cellular Telephone Protection begins the first day of the calendar month following the payment of membership fees. If the member fails to be an active member in a particular month then the Cellular Telephone Protection Benefit will terminate. Cellular Telephone Protection is supplemental to, and in excess of, valid and collectible insurance or indemnity (including, but not limited to, manufacturer s warranty, Cellular Wireless Telephone insurance programs, homeowner s, renter s, automobile, or employer s insurance policies). After all insurance or indemnity has been exhausted, Cellular Telephone Protection will cover damage or theft not to exceed the limits of liability of this Benefit, less a fifty dollar ($50.00) co-payment per claim and subject to the terms, conditions and exclusions as described in this Benefit Guide. LIMITS OF LIABILITY The limit of liability under this Benefit is $ per claim, with a maximum Benefit of $ per twelve (12) month period. HOW DO I FILE A CLAIM? Call the Benefit Administrator at within thirty days (30) of the damage or theft. If you do not give such notice your claim will be denied. The Benefit Administrator will ask you some preliminary claim information and send you the appropriate claim form. This claim form must be completed, signed and returned with all the requested documentation within ninety (90) days from the date of damage or theft or your claim will be denied. WHAT DO I NEED TO SUBMIT WITH MY CLAIM? Your completed and signed claim form. Copies of your account statement reflecting the entire monthly cellular wireless telephone payments for the month preceding the date of damage or theft. A copy of the original cellular wireless telephone purchase receipt or other sufficient proof, as determined in the Benefit Administrator s sole discretion, of the cellular wireless telephone model currently linked to your cellular wireless telephone account. If the claim is due to theft or criminal action, a copy of the police report filed within forty-eight (48) hours of the occurrence. If the claim is due to damage, a copy of an insurance claim or other report as the Benefit Administrator, in its sole discretion, deems necessary to determine eligibility for coverage. In addition the Benefit Administrator may in its sole discretion require (a) an itemized estimate of repair from an authorized cellular wireless telephone repair facility or (b) the member to submit the cellular wireless telephone to the Benefit Administrator to evaluate the damage or (c) an itemized store receipt for the NMTA-CTPB (10-14) Page 1 of 2

14 replacement cellular wireless telephone showing the purchase was made at a cellular service provider s retail or Internet store (for example: Verizon Wireless, AT&T, Sprint, etc.). If the claim amount is less than your personal homeowner s, renter s, or automobile insurance deductible, a copy of your insurance policy personal declaration page is sufficient for your claim. If the claim amount is greater than your personal homeowner s, renter s, or automobile insurance deductible, you are required to file a claim with your applicable insurance company and to submit a copy of any claims settlement from your insurance company along with your claim form. Documentation (if available) of any other settlement of the claim. Any other documentation deemed necessary, in the Benefit Administrator s sole discretion, to substantiate your claim. All claims must be fully substantiated as to the time, place, cause, and purchase price of the cellular wireless telephone. HOW WILL I GET REIMBURSED? The Benefit Administrator, at its sole discretion, may choose to repair or replace the cellular wireless telephone or reimburse the member for the lesser of a) $ in excess of the fifty dollar ($50.00) co- payment; or b) the current suggested retail price of a replacement cellular wireless telephone of like kind and quality, excluding taxes, delivery and transportation charges, and any fees associated with the cellular wireless telephone service provider, less the fifty dollar ($50.00) copayment. WHAT IS NOT COVERED a. Cellular wireless telephones purchased for resale, professional, or commercial use; b. Any loss, repair or damage caused or resulting from pre-existing conditions; c. Accessories other than standard battery and/or standard antenna provided by the manufacturer; d. Lost or mysterious disappearance (mysterious disappearance means the vanishing of an item in an unexplained manner where there is absence of evidence of a wrongful act by a person or persons); e. Losses that occur under the care and control of a common carrier (including but not limited to U.S. Postal Service, airplanes, or delivery service); f. Theft from baggage unless hand-carried and under your personal supervision, or under the supervision of your traveling companion who is previously known to you; g. Theft from a construction site; h. Losses that occur on rented, leased, borrowed or cellular wireless telephones that are received as part of a pre-paid plan or pay as you go type plans; i. Cosmetic damage or damage that does not impact the cellular wireless telephone s ability to make or receive phone calls; j. Damage or theft resulting from abuse, intentional acts, fraud, hostilities of any kind (including but not limited to war, invasion, rebellion, or insurrection), confiscation by the authorities, risks of contraband, illegal activities, normal wear and tear, flood, earthquake, radioactive contamination, or damage from inherent product defects or vermin; k. Damage or theft resulting from misdelivery or voluntary parting with the cellular wireless telephone; l. Replacement cellular wireless telephones not purchased from a cellular service provider s retail or internet store; m. Taxes, delivery and transportation charges, and any fees associated with the cellular service provider. OUR RIGHT TO RECOVER PAYMENT If you have a right to recover against another party for any claims that have been paid under this Benefit, your rights shall become Our rights. You shall do whatever is necessary to enable Us to enforce these rights. We shall recover only the excess after you are fully compensated for your loss. Cellular Telephone Protection Benefit is insured by 4 Warranty Corporation. NMTA-CTPB (10-14) Page 2 of 2