Your policy is amended as follows:

Part IV - Damage to a Vehicle

The following exclusion is added:

Exclusion: No coverage applies to a covered auto while being operated by a driver who, at the time of the loss, was not listed on your declarations page and was residing in your household as a permanent resident or a temporary guest.

This exclusion does not apply to the following situations:

a. The driver started residing in your household as a permanent resident or a temporary guest no more than 185 days prior to the loss.

b. The driver became a licensed driver no more than 185 days prior to the loss. For purposes of this exclusion, a licensed driver includes a driver with an instructional or temporary permit, an out-of-state license, or any other permit or license that authorizes a person to operate a vehicle in any state.

c. At the time of the loss, the driver operating the covered auto was insured under another policy that provides automobile liability insurance coverage for that driver’s use of your covered auto.

d. At the time of the loss, the driver was operating the covered auto to obtain emergency medical treatment for a passenger in the covered auto.

e. At the time of the loss, the driver was operating the covered auto because all other licensed drivers in the covered auto were intoxicated, and the driver was not intoxicated. Coverage applies only if the loss is reported to the police or civil authorities within 24 hours, or as soon as practicable after the loss occurred.

This exclusion applies only to collision coverage.

All other terms, limits, and provisions of this policy remain unchanged.

Form A264 (02/22)

Your policy is amended as follows:

The Insuring Agreement—Trip Interruption Coverage is added under Part V—Roadside Assistance Coverage:

INSURING AGREEMENT—TRIP INTERRUPTION COVERAGE

If you pay the premium for this coverage, we will reimburse interruption expenses as described below when a covered auto is disabled due to mechanical breakdown or a covered comprehensive or collision loss, even if you have not paid a premium for Comprehensive Coverage or Collision Coverage under this policy. For this coverage to apply, the disablement must occur more than 100 miles from the insured’s primary residence.

When a covered auto is disabled, interruption expenses consist of the following:

a. Up to $100 per day for lodging;

b. Up to $50 per day for meals;

c. Up to $50 per day for alternate transportation.

Coverage is limited to $500 per disablement. Payment of Trip Interruption benefits will not obligate us to make any payment under any other coverage in this policy.

All other terms, limits, and provisions of this policy remain unchanged.

Form A331 (11/21)