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(4)All reasonable expenses Incurred by (he'Insured" (4) Costs for extended warranties, Credit at our request, including loss of earnings up to Life Insurance, Health, Accident or $500 a day because of time off from work, Disability Insurance purchased with the loan or lease;and Under B.Exclusions, Fellow Employee, the following (5) Carry-over balances from previous loans paragraph is added: orleases, But this exclusion does not apply to'bodily Injury"to Under D.Deductible,the following paragraph is a fellow "employee" caused by any person whose added: position within the insured organization is of or above When Collision Coverage is provided by this the level of manager or supervisor. policy, the deductible amount will not be Coverage afforded by this provision Is excess over subtracted from the loss payment in collisions any other collectible insurance. Involving your covered"auto"and another auto covered by Allstate Insurance Company or any of It's affiliates. In SECTION III - PHYSICAL DAMAGE COVERAGE, the following changes are made: In SECTION IV - BUSINESS AUTO CONDITIONS,the following changes are made: Under A Coverage, Glass Breakago- Hitting A Bird Or Animal.Falling Objects Or Missiles, the following Is added: Under A Loss Conditions,Duties.In The Event If damage to glass is repaired In lieu of being Of Accident,Claim, Suit Or Loss Condition,the following Is added under subpart a: replaced,no deductible will apply for repair only. Knowledge of an"accident"or'loss"by any of Under A Coverage, Coverage Extensions, the your agents, servants or"employees"shall not following is added: In Itself constitute knowledge by you, unless c.Personal Effects Coverage you or one of your corporate officers or managers,or any assignee, shall have received In the event of a total theft of your covered"auto", such notice from the agent, servant or for which you carry either Comprehensive or "employee". Specified Causes of Loss coverage, we will pay up to$500 for the personal effects which are: 1.owned by you;and When you report an occurrence of any "accident"or'toss"to a Worker's Compensation 2.In your covered"auto"at the time of the total theft carrier or self Insured plan providing the named of such"auto". insured's Worker's Compensation Insurance No deductible applies to Personal Effects Coverage. which later develops Into a claim submitted under this policy, failure to report such Under A Coverage,the following Is added: "accident"or'loss"to us at the same time shall 5.Lease and Loan Gap Coverage not be deemed a violation of this condition. After you become aware of such liability claim In the event of a total "loss" to a covered "auto" arising from the"accident"or 'loss", you must shown In the Schedule or Declarations for which a give us prompt notice. specific premium charge Indicates that physical damage coverage applies, we will pay any unpald amount due on the lease or loan for a covered Under A Loss Condtdons,Transfer of Rights of "auto',less: Recovery Against Others To Us, the following a. The amount paid under the Physical Damage Is added: Coverage section of the policy;and We waive any right of recovery we may have b. Any: against any person or organization because of payments we make for Injury or damage arising out (1) Overdue fame/loan payments at the time of of work you perform under a contract with such the loss"; person or organization, in which you have agreed i (2) Flnanclal penalties Imposed under a to waive your right of such recovery. lease for excessive use,abnormal wear and tear or high mlleage; i (3) Security deposits not returned by the lessor; Includes copyrighted material of Insurance Services Office,Inc„with Its permission AA CW 20 10 11 Allstate Insurance Company Page 2 of 3 Insured PoII Copy I