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COMMERCIAL AUTO CA 99 17 10 01

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

"Insurance Services Office, Inc. Copyright"

This form has been promulgated by the Virginia State Corporation Commission for use by all licensed insurers in the Commonwealth issuing policies for motor vehicle insurance as defined in § 38.2.124 of the Code of Virginia. This form includes copyrighted material of Insurance Services Offices, Inc., with its permission and may only be used by a licensed insurer in Virginia for risks located in Virginia. Use of this form for any other purpose shall be with the express permission of ISO and subject to the standard ISO copyright notice.

CA 99 17 10 01

© ISO Properties, Inc., 2000

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INDIVIDUAL NAMED INSURED

This endorsement modifies insurance provided under the following: BUSINESS AUTO COVERAGE FORM BUSINESS AUTO PHYSICAL DAMAGE COVERAGE FORM GARAGE COVERAGE FORM MOTOR CARRIER COVERAGE FORM TRUCKERS COVERAGE FORM With respect to coverage provided by this endorsement, the provisions of the Coverage Form apply unless modified by the endorsement. If you are an individual, the policy is changed as follows: A. Changes In Liability Coverage 1. The Fellow Employee Exclusion does not apply to "bodily injury" to your or any "family member's" fellow employees. 2. Personal Auto Coverage If any "auto" you own of the "private passenger type" is a covered "auto" under Liability Coverage: a. The following is added to Who Is An Insured: "Family members" are "insureds" for any covered "auto" you own of the "private passenger type" and any other "auto" described in Paragraph 2.b. of this endorsement. b. Any "auto" you don't own is a covered "auto" while being used by you or by any "family member" except: (1) Any "auto" owned by any "family members". (2) Any "auto" furnished or available for your or any "family member's" regular use. (3) Any "auto" used by you or by any of your "family members" while working in a business of selling, servicing, repairing or parking "autos". (4) Any "auto" other than an "auto" of the "private passenger type" used by you or any of your "family members" while working in any other business or occupation. c. The Pollution Exclusion and, if forming a part of the policy, the Nuclear Energy Liability Exclusion (Broad Form), does not apply to any covered "auto" of the "private passenger type". d. The following exclusion is added and applies only to "private passenger type" covered "autos": This insurance does not apply to: "Bodily injury" or "property damage" for which an "insured" under the policy is also an "insured" under a nuclear energy liability policy or would be an "insured" but for its termination upon its exhaustion of its limit of liability. A nuclear energy liability policy is a policy issued by Nuclear Energy Liability Insurance Association, Mutual Atomic Energy Liability Underwriters or any of their successors. This exclusion does not apply to "autos" registered or principally garaged in New York. B. Changes In Physical Damage PERSONAL AUTO COVERAGE If any "auto" you own of the "private passenger type" is a covered "auto" under Physical Damage Coverage, a "non-owned auto" will also be considered a covered "auto". However, the most we will pay for "loss" to a "non-owned auto" which is a "trailer" is $500. C. Additional Definitions As used in this endorsement: 1. "Family member" means a person related to you by blood, marriage or adoption who is a resident of your household, including a ward or foster child.

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© ISO Properties, Inc., 2000

CA 99 17 10 01

2. The words "you" and "your" include your spouse if a resident of the same household except for notice of cancellation. 3. When the phrase "private passenger type" appears in quotation marks it includes any covered "auto" you own of the pick-up or van type not used for business purposes, other than farming or ranching.

4. "Non-owned auto" means any "private passenger type" "auto", pick-up, van or "trailer" not owned by or furnished or available for the regular use of you or any "family member", while it is in the custody of or being operated by you or any "family member".

CA 99 17 10 01

Copyright, Insurance Services Office, Inc., 2000

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