State Farm Mutual Automobile Insurance Company | Missouri Department of Insurance

Coverage A - Liability Coverage

Insuring Agreement
and Supplementary Payments are replaced by the following;

1. We will pay damages an insured becomes legally liable to pay because of;
a. bodily injury to others; and
b. damage to propertycaused by an accident that involves a vehicle for which that insured is provided Liability Coverage by this policy.

2. We have the right to;
a. investigate, negotiate, and settle any claim or lawsuit;
b. defend an insured in any claim or lawsuit, with attorneys chosen by us; and
c. appeal any award or legal decision for damages payable under this policy’s Liability Coverage.

Show Exclusions

Exclusions

1. THERE IS NO COVERAGE FOR AN INSURED TO THE EXTENT THE LIABILITY COVERAGE LIMITS OF THIS POLICY EXCEED THE LIABILITY COVERAGE LIMITS REQUIRED BY THE MISSOURI FINANCIAL RESPONSIBILITY LAW;
a. IF THAT INSURED INTENTIONALLY CAUSES BODILY INJURY OR DAMAGE TO PROPERTY;
b. FOR BODILY INJURY TO; (1) YOU; (2) RESIDENT RELATIVES; AND (3) ANY OTHER PERSON WHO BOTH RESIDES PRIMARILY WITH AN INSURED AND WHO; (a) IS RELATED TO THAT INSURED BY BLOOD, MARRIAGE, OR ADOPTION; OR (b) IS A WARD OR FOSTER CHILD OF THAT INSURED;
c. FOR DAMAGES ARISING OUT OF THE OWNERSHIP, MAINTENANCE, OR USE OF A VEHICLE WHILE IT IS RENTED TO OR LEASED TO OTHERS BY AN INSURED; d. FOR DAMAGES ARISING OUT OF THE OWNERSHIP, MAINTENANCE, OR USE OF A VEHICLE WHILE IT IS BEING USED TO CARRY PERSONS FOR A CHARGE. This exclusion (d.) does not apply to the use of a private passenger car on a share-the-expense basis; e. WHILE MAINTAINING OR USING A VEHICLE IN CONNECTION WITH THAT INSURED’S EMPLOYMENT IN OR ENGAGEMENT OF ANY KIND IN A CAR BUSINESS. This exclusion (e.) does not apply to; (1) you; (2) any resident relative; or (3) your agents, employees, or business partners while maintaining or using your car, a newly acquired car, a temporary substitute car, or a trailer owned by you; f. WHILE THAT INSURED IS VALET PARKING A VEHICLE; g. WHILE MAINTAINING OR USING ANY VEHICLE OTHER THAN YOUR CAR, A NEWLY ACQUIRED CAR, A TEMPORARY SUBSTITUTE CAR, OR A TRAILER IN ANY BUSINESS OR OCCUPATION OTHER THAN A CAR BUSINESS OR VALET PARKING. This exclusion (g.) does not apply to the maintenance or use of a private passenger car; h. FOR LIABILITY ASSUMED UNDER ANY CONTRACT OR AGREEMENT; i. FOR ANY ORDER OF RESTITUTION ISSUED BY A COURT IN A CRIMINAL PROCEEDING OR EQUITABLE ACTION; j. FOR THE OWNERSHIP, MAINTENANCE, OR USE OF ANY VEHICLE WHILE IT IS; (1) OFF PUBLIC ROADS AND BEING PREPARED FOR, USED IN PRACTICE FOR, OR OPERATED IN ANY RACING CONTEST, SPEED CONTEST, HILL-CLIMBING CONTEST, JUMPING CONTEST, OR ANY SIMILAR CONTEST; OR (2) ON A TRACK DESIGNED PRIMARILY FOR RACING OR HIGH-SPEED DRIVING. This exclusion (2) does not apply if the vehicle is being used in connection with an activity other than racing, high-speed driving, or any type of competitive driving; OR k. IF THAT INSURED IS AN EMPLOYEE OF THE UNITED STATES OF AMERICA OR ANY OF ITS AGENCIES, IF THE PROVISIONS OF THE FEDERAL TORT CLAIMS ACT APPLY.

2. THERE IS NO COVERAGE FOR AN IN-SURED;
a. OR FOR THAT INSURED’S INSURER FOR ANY OBLIGATION UNDER ANY TYPE OF WORKERS’ COMPENSATION, DISABILITY, OR SIMILAR LAW;
b. FOR BODILY INJURY TO THAT INSURED’S EMPLOYEE WHICH ARISES OUT OF THAT EMPLOYEE’S EMPLOYMENT. This exclusion (
b.) does not apply to that insured’s household employee who is neither covered, nor required to be covered, under workers’ compensation insurance;
c. FOR BODILY INJURY TO THAT INSURED’S FELLOW EMPLOYEE WHILE THE FELLOW EMPLOYEE IS IN THE COURSE AND SCOPE OF HIS OR HER EMPLOYMENT. This exclusion (
c.) does not apply to you and resident relatives who are legally liable for bodily injury to fellow employees; d. FOR DAMAGE TO PROPERTY WHILE IT IS; (1) OWNED BY; (2) RENTED TO; (3) USED BY; (4) IN THE CARE OF; OR (5) TRANSPORTED BY YOU, A RESIDENT RELATIVE, OR THE PERSON WHO IS LEGALLY LIABLE FOR THE DAMAGE. This exclusion (d.) does not apply to; (1) damage to a; (a) motor vehicle owned by the employer of you or any resident relative if such damage is caused by an insured while operating another motor vehicle; (b) residence while rented to or leased to an insured; or (c) private garage while rented to or leased to an insured; or (2) damage to a car; (a) operated by an insured; and (b) owned by a person or organization engaged in the business of selling, repairing or servicing motor vehicles; and (c) loaned to you or a resident relative for demonstration purposes or as a replacement for your car while it is out of use due to breakdown, repair or servicing; e. WHILE USING A TRAILER WITH A MOTOR VEHICLE IF THAT INSURED IS NOT PROVIDED LIABILITY COVERAGE BY THIS POLICY FOR THE USE OF THAT MOTOR VEHICLE;

Medical Payments Coverage

Insuring Agreement
We will pay;

1. medical expenses incurred because of bodily injury that is sustained by an insured and caused by a motor vehicle accident if;
a. that insured is first provided medical services within one year immediately following the date of the accident; and
b. such medical expenses are for medical services that are provided within three years immediately following the date of the accident; and

2. funeral expenses incurred for an insured who dies within three years immediately following the date of a motor vehicle accident if the death is a direct result of bodily injury sustained in such accident.

Show Exclusions

Exclusions THERE IS NO COVERAGE FOR AN INSURED;

1. WHO IS STRUCK AS A PEDESTRIAN BY A MOTOR VEHICLE, OWNED BY THAT INSURED OR YOU, IF IT IS NOT YOUR CAR OR A NEWLY ACQUIRED CAR;

2. IF ANY WORKERS’ COMPENSATION LAW OR ANY SIMILAR LAW APPLIES TO THAT INSURED’S BODILY INJURY;
3. WHO IS OCCUPYING A VEHICLE WHILE IT IS RENTED TO OR LEASED TO OTHERS BY AN INSURED;
4. WHO IS OCCUPYING A VEHICLE WHILE IT IS BEING USED TO CARRY PERSONS FOR A CHARGE. This exclusion does not apply to;
a. the use of a private passenger car on a share-the-expense basis; or
b. an insured while occupying a non-owned car as a passenger;
5. WHILE MAINTAINING OR USING A VEHICLE IN CONNECTION WITH THAT INSURED’S EMPLOYMENT IN OR ENGAGEMENT OF ANY KIND IN A CAR BUSINESS. This exclusion does not apply to;
a. you;
b. any resident relative; or
c. your agents, employees, or business partners while maintaining or using your car, a newly acquired car, a temporary substitute car, or a trailer owned by you;
6. WHILE THAT INSURED IS VALET PARKING A VEHICLE;
7. WHILE MAINTAINING OR USING A NON-OWNED CAR IN ANY BUSINESS OR OCCUPATION OTHER THAN A CAR BUSINESS OR VALET PARKING. This exclusion does not apply to the maintenance or use of a private passenger car;
8. WHO IS EITHER OCCUPYING OR STRUCK AS A PEDESTRIAN BY A VEHICLE THAT IS LOCATED FOR USE AS A DWELLING OR OTHER PREMISES;
9. WHO IS STRUCK AS A PEDESTRIAN BY A VEHICLE THAT;
a. IS DESIGNED FOR USE PRIMARILY OFF PUBLIC ROADS WHILE OFF PUBLIC ROADS; OR
b. RUNS ON RAILS OR CRAWLER-TREADS;
10. WHOSE BODILY INJURY RESULTS FROM WAR OF ANY KIND; 1

1. WHOSE BODILY INJURY RESULTS FROM;
a. NUCLEAR REACTION;
b. RADIATION OR RADIOACTIVE CONTAMINATION FROM ANY SOURCE; OR
c. THE ACCIDENTAL OR INTENTIONAL DETONATION OF, OR RELEASE OF RADIATION FROM, ANY NUCLEAR OR RADIOACTIVE DEVICE; 1

2. WHOSE BODILY INJURY RESULTS FROM THE DISCHARGE OF A FIREARM; 1
3. WHOSE BODILY INJURY RESULTS FROM EXPOSURE TO FUNGI; OR 1
4. WHO IS OCCUPYING A VEHICLE WHILE IT IS;
a. BEING PREPARED FOR, USED IN PRACTICE FOR, OR OPERATED IN ANY RACING CONTEST, SPEED CONTEST, HILL-CLIMBING CONTEST, JUMPING CONTEST, OR ANY SIMILAR CONTEST; OR
b. ON A TRACK DESIGNED PRIMARILY FOR RACING OR HIGH-SPEED DRIVING. This exclusion (1
4.
b.) does not apply if the vehicle is being used in connection with an activity other than racing, high-speed driving, or any type of competitive driving.

Uninsured Motor Vehicle Coverage

Insuring Agreement
We will pay compensatory damages for bodily injury an insured is legally entitled to recover from the owner or driver of an uninsured motor vehicle. The bodily injury must be;

1. sustained by an insured; and

2. caused by an accident that involves the operation, maintenance, or use of an uninsured motor vehicle as a motor vehicle.

Show Exclusions

THERE IS NO COVERAGE;

1. FOR AN INSURED WHO, WITHOUT OUR WRITTEN CONSENT, SETTLES WITH ANY PERSON OR ORGANIZATION WHO MAY BE LIABLE FOR THE BODILY INJURY AND THEREBY IMPAIRS OUR RIGHT TO RECOVER OUR PAYMENTS;

2. FOR AN INSURED WHO SUSTAINS BODILY INJURY;
a. WHILE OCCUPYING A MOTOR VEHICLE OWNED BY YOU OR ANY RESIDENT RELATIVE IF IT IS NOT YOUR CAR OR A NEWLY ACQUIRED CAR; OR
b. THROUGH BEING STRUCK BY A MOTOR VEHICLE OWNED BY ANY RESIDENT RELATIVE. This exclusion does not apply to the first person shown as a named insured on the Declarations Page and that named insured’s spouse who resides primarily with that named insured, while occupying or through being struck by a motor vehicle not owned by one or both of them;
3. FOR AN INSURED WHOSE BODILY INJURY RESULTS FROM THE DISCHARGE OF A FIREARM;
4. TO THE EXTENT IT BENEFITS;
a. ANY WORKERS’ COMPENSATION OR DISABILITY BENEFITS INSURANCE COMPANY;
b. A SELF-INSURER UNDER ANY WORKERS’ COMPENSATION LAW, DISABILITY BENEFITS LAW, OR SIMILAR LAW; OR
c. ANY GOVERNMENT OR ANY OF ITS POLITICAL SUBDIVISIONS OR AGENCIES;
5. FOR PUNITIVE OR EXEMPLARY DAMAGES; OR
6. FOR ANY ORDER OF RESTITUTION ISSUED BY A COURT IN A CRIMINAL PROCEEDING OR EQUITABLE ACTION.

Underinsured Motor Vehicle Coverage

Insuring Agreement
We will pay compensatory damages for bodily injury an insured is legally entitled to recover from the owner or driver of an underinsured motor vehicle. The bodily injury must be;

1. sustained by an insured; and

2. caused by an accident that involves the operation, maintenance, or use of an underinsured motor vehicle as a motor vehicle. We will pay only if the full amount of all available limits of all bodily injury liability bonds, policies, and self-insurance plans that apply to the insured’s bodily injury have been used up by payment of judgments or settlements, or have been offered to the insured in writing.

Show Exclusions

Insuring Agreement
We will pay compensatory damages for bodily injury an insured is legally entitled to recover from the owner or driver of an underinsured motor vehicle. The bodily injury must be;

1. sustained by an insured; and

2. caused by an accident that involves the operation, maintenance, or use of an underinsured motor vehicle as a motor vehicle. We will pay only if the full amount of all available limits of all bodily injury liability bonds, policies, and self-insurance plans that apply to the insured’s bodily injury have been used up by payment of judgments or settlements, or have been offered to the insured in writing.

Physical Damage Coverage

We will pay for loss caused by collision to a covered vehicle.

Show Exclusions

Exclusions THERE IS NO COVERAGE FOR;

1. ANY COVERED VEHICLE THAT IS;
a. INTENTIONALLY DAMAGED; OR
b. STOLEN BY OR AT THE DIRECTION OF AN INSURED. This exclusion does not apply to the extent of the ownership interest of an insured who had no involvement in causing the loss. However, such innocent insured must comply with Missouri law by filing a police report and complete a sworn affidavit indicating the cause of the loss, and pledging to cooperate in any criminal prosecution of the person committing the act causing the loss;

2. ANY COVERED VEHICLE WHILE IT IS RENTED TO OR LEASED TO OTHERS BY AN INSURED;
3. ANY COVERED VEHICLE WHILE IT IS USED TO CARRY PERSONS FOR A CHARGE. This exclusion does not apply to the use of a private passenger car on a share-the-expense basis;
4. ANY COVERED VEHICLE DUE TO;
a. THEFT;
b. CONVERSION;
c. EMBEZZLEMENT; OR d. SECRETION BY AN INSURED, A CONSIGNEE, AN AGENT OF A CONSIGNEE, OR A PERSON WHO OBTAINS POSSESSION OF THE COVERED VEHICLE WITH THE PERMISSION OF A CONSIGNEE OR AGENT OF A CONSIGNEE;
5. LOSS TO YOUR CAR OR A NEWLY ACQUIRED CAR IF AN INSURED VOLUNTARILY RELINQUISHES POSSESSION OFTHAT CAR TO A PERSON OR ORGANIZATION UNDER AN ACTUAL OR PRESUMED SALES AGREEMENT;
6. ANY COVERED VEHICLE TO THE EXTENT OUR PAYMENT WOULD BENEFIT ANY CARRIER OR OTHER BAILEE FOR HIRE THAT IS LIABLE FOR LOSS TO SUCH COVERED VEHICLE;
7. LOSS TO ANY COVERED VEHICLE DUE TO FUNGI. The exclusion does not apply if the fungi are the direct result of a loss payable under;
a. Comprehensive Coverage and your car is insured for Comprehensive Coverage under this policy; or
b. Collision Coverage and your car is insured for Collision Coverage under this policy;
8. TESTING OR REMEDIATION OF FUNGI, REGARDLESS OF WHETHER OR NOT THE FUNGI ARE THE DIRECT RESULT OF A LOSS THAT IS PAYABLE UNDER ANY OF THE PHYSICAL DAMAGE COVERAGES;
9. LOSS TO ANY COVERED VEHICLE THAT RESULTS FROM;
a. NUCLEAR REACTION;
b. RADIATION OR RADIOACTIVE CONTAMINATION FROM ANY SOURCE; OR
c. THE ACCIDENTAL OR INTENTIONAL DETONATION OF, OR RELEASE OF RADIATION FROM, ANY NUCLEAR OR RADIOACTIVE DEVICE;
10. LOSS TO ANY COVERED VEHICLE THAT RESULTS FROM THE TAKING OF OR SEIZURE OF THAT COVERED VEHICLE BY ANY GOVERNMENTAL AUTHORITY; 1

1. LOSS TO ANY COVERED VEHICLE THAT RESULTS FROM WAR OF ANY KIND; 1

2. YOUR CAR WHILE SUBJECT TO ANY;
a. LIEN AGREEMENT;
b. RENTAL AGREEMENT;
c. LEASE AGREEMENT; OR d. SALES AGREEMENT NOT SHOWN ON THE DECLARATIONS PAGE; 1
3. ANY TEMPORARY SUBSTITUTE CAR OR NON-OWNED CAR UNDER COMPREHENSIVE COVERAGE OR COLLISION COVERAGE IF SUCH CAR IS;
a. OWNED BY A PERSON OR ORGANIZATION ENGAGED IN THE BUSINESS OF SELLING, REPAIRING OR SERVICING MOTOR VEHICLES; AND
b. LOANED TO AN INSURED FOR DEMONSTRATION PURPOSES OR AS A REPLACEMENT FOR YOUR CAR WHILE IT IS OUT OF USE DUE TO BREAKDOWN, REPAIR OR SERVICING; 1
4. ANY NON-OWNED CAR WHILE IT IS;
a. BEING MAINTAINED OR USED BY ANY PERSON WHILE THAT PERSON IS EMPLOYED IN OR ENGAGED IN ANY WAY IN A CAR BUSINESS; OR
b. USED IN ANY BUSINESS OR OCCU-PATION OTHER THAN A CAR BUSI-NESS. This exclusion (1
4.
b.) does not apply to a private passenger car; 1
5. ANY PART OR EQUIPMENT OF A COVERED VEHICLE IF THAT PART OR EQUIPMENT;
a. FAILS OR IS DEFECTIVE; OR
b. IS DAMAGED AS A DIRECT RESULT OF; (1) WEAR AND TEAR; (2) FREEZING; OR (3) MECHANICAL, ELECTRICAL, OR ELECTRONIC BREAKDOWN OR MALFUNCTION OF THAT PART OR EQUIPMENT. This exclusion does not apply if the loss is the result of theft of the covered vehicle; 1
6. ANY PART OR EQUIPMENT;
a. THAT IS NOT LEGAL FOR USE IN OR ON THE COVERED VEHICLE IN THE JURISDICTION WHERE THE COVERED VEHICLE IS REGISTERED; OR
b. THE USE OF WHICH IS NOT LEGAL IN THE JURISDICTION WHERE THE COVERED VEHICLE IS REGISTERED BECAUSE OF HOW OR WHERE THAT PART OR EQUIPMENT IS INSTALLED IN OR ON THE COVERED VEHICLE. However, if there is a legal version of the part or equipment that is necessary for the safe operation of the covered vehicle, then we will pay the cost that we would otherwise have paid to repair the vehicle with the legal version of the part or equipment. We will not pay any cost necessary to modify the vehicle for installation of the legal version of the part or equipment; 1
7. TIRES. This exclusion does not apply if;
a. loss is caused by missiles, falling objects, windstorm, hail, fire, explosion, earthquake, water, flood, total or partial theft, malicious mischief, vandalism, riot, civil commotion, or hitting or being hit by a bird or an animal; or
b. loss caused by collision to another part of the covered vehicle causes loss to tires; 1
8. REMOVABLE PRODUCTS USED FOR STORAGE OF AUDIO, VIDEO, OR OTHER DATA, INCLUDING BUT NOT LIMITED TO TAPES, DISCS, AND MEMORY CARDS, NOR IS THERE COVERAGE FOR THE RECONSTRUCTION OF DATA CONTAINED THEREIN; 1
9. ANY EQUIPMENT USED TO DETECT OR INTERFERE WITH SPEED MEASURING DEVICES; 20. A CAMPER, INCLUDING ITS PARTS AND ITS EQUIPMENT, THAT IS;
a. DESIGNED TO BE MOUNTED ON A PICKUP TRUCK;
b. OWNED BY AN INSURED; AND
c. NOT SHOWN ON THE DECLARATIONS PAGE; OR 2

1. ANY COVERED VEHICLE WHILE IT IS;
a. BEING PREPARED FOR, USED IN PRACTICE FOR, OR OPERATED IN ANY RACING CONTEST, SPEED CONTEST, HILL-CLIMBING CONTEST, JUMPING CONTEST, OR ANY SIMILAR CONTEST; OR
b. ON A TRACK DESIGNED PRIMARILY FOR RACING OR HIGH-SPEED DRIVING. This exclusion (2

1.
b.) does not apply if the vehicle is being used in connection with an activity other than racing, high-speed driving, or any type of competitive driving. If Other Physical Damage Coverage or Similar Coverage Applies

1. If the same loss or expense is payable under more than one of the physical damage coverages provided by this policy, then only the one coverage that pays the most for that loss or expense applies.

2. If any of the physical damage coverages provided by this policy and one or more other policies issued to an insured by the State Farm Companies apply to the same loss or expense, then only one policy applies. We will select a policy that pays the most for the loss or expense.
3. The physical damage coverages provided by this policy apply as primary coverage for a loss to your car. If similar coverage provided by one or more sources other than the State Farm Companies also applies as primary coverage for the same loss or expense, then the State Farm Companies will pay the proportion of the loss or expense payable as primary that the maximum amount that may be paid by the State Farm Companies bears to the sum of such amount and the limits of all other similar coverage that applies as primary coverage.
4. Except as provided in
3. above, the physical damage coverages provided by this policy apply as excess coverage. If similar coverage provided by one or more sources other than the State Farm Companies also applies as excess coverage for the same loss or expense, then the State Farm Companies will pay the proportion of the loss or expense payable as excess that the maximum amount that may be paid by the State Farm Companies bears to the sum of such amount and the limits of all other similar coverage that applies as excess coverage.

Additional Coverage

Insuring Agreement
We will pay compensatory damages for bodily injury an insured is legally entitled to recover from the owner or driver of an uninsured motor vehicle. The bodily injury must be;

1. sustained by an insured; and

2. caused by an accident that involves the operation, maintenance, or use of an uninsured motor vehicle as a motor vehicle.

Show Exclusions

Exclusions THERE IS NO COVERAGE FOR;

1. ANY COVERED VEHICLE THAT IS;
a. INTENTIONALLY DAMAGED; OR
b. STOLEN BY OR AT THE DIRECTION OF AN INSURED. This exclusion does not apply to the extent of the ownership interest of an insured who had no involvement in causing the loss. However, such innocent insured must comply with Missouri law by filing a police report and complete a sworn affidavit indicating the cause of the loss, and pledging to cooperate in any criminal prosecution of the person committing the act causing the loss;

2. ANY COVERED VEHICLE WHILE IT IS RENTED TO OR LEASED TO OTHERS BY AN INSURED;
3. ANY COVERED VEHICLE WHILE IT IS USED TO CARRY PERSONS FOR A CHARGE. This exclusion does not apply to the use of a private passenger car on a share-the-expense basis;
4. ANY COVERED VEHICLE DUE TO;
a. THEFT;
b. CONVERSION;
c. EMBEZZLEMENT; OR d. SECRETION BY AN INSURED, A CONSIGNEE, AN AGENT OF A CONSIGNEE, OR A PERSON WHO OBTAINS POSSESSION OF THE COVERED VEHICLE WITH THE PERMISSION OF A CONSIGNEE OR AGENT OF A CONSIGNEE;
5. LOSS TO YOUR CAR OR A NEWLY ACQUIRED CAR IF AN INSURED VOLUNTARILY RELINQUISHES POSSESSION OFTHAT CAR TO A PERSON OR ORGANIZATION UNDER AN ACTUAL OR PRESUMED SALES AGREEMENT;
6. ANY COVERED VEHICLE TO THE EXTENT OUR PAYMENT WOULD BENEFIT ANY CARRIER OR OTHER BAILEE FOR HIRE THAT IS LIABLE FOR LOSS TO SUCH COVERED VEHICLE;
7. LOSS TO ANY COVERED VEHICLE DUE TO FUNGI. The exclusion does not apply if the fungi are the direct result of a loss payable under;
a. Comprehensive Coverage and your car is insured for Comprehensive Coverage under this policy; or
b. Collision Coverage and your car is insured for Collision Coverage under this policy;
8. TESTING OR REMEDIATION OF FUNGI, REGARDLESS OF WHETHER OR NOT THE FUNGI ARE THE DIRECT RESULT OF A LOSS THAT IS PAYABLE UNDER ANY OF THE PHYSICAL DAMAGE COVERAGES;
9. LOSS TO ANY COVERED VEHICLE THAT RESULTS FROM;
a. NUCLEAR REACTION;
b. RADIATION OR RADIOACTIVE CONTAMINATION FROM ANY SOURCE; OR
c. THE ACCIDENTAL OR INTENTIONAL DETONATION OF, OR RELEASE OF RADIATION FROM, ANY NUCLEAR OR RADIOACTIVE DEVICE;
10. LOSS TO ANY COVERED VEHICLE THAT RESULTS FROM THE TAKING OF OR SEIZURE OF THAT COVERED VEHICLE BY ANY GOVERNMENTAL AUTHORITY; 1

1. LOSS TO ANY COVERED VEHICLE THAT RESULTS FROM WAR OF ANY KIND; 1

2. YOUR CAR WHILE SUBJECT TO ANY;
a. LIEN AGREEMENT;
b. RENTAL AGREEMENT;
c. LEASE AGREEMENT; OR d. SALES AGREEMENT NOT SHOWN ON THE DECLARATIONS PAGE; 1
3. ANY TEMPORARY SUBSTITUTE CAR OR NON-OWNED CAR UNDER COMPREHENSIVE COVERAGE OR COLLISION COVERAGE IF SUCH CAR IS;
a. OWNED BY A PERSON OR ORGANIZATION ENGAGED IN THE BUSINESS OF SELLING, REPAIRING OR SERVICING MOTOR VEHICLES; AND
b. LOANED TO AN INSURED FOR DEMONSTRATION PURPOSES OR AS A REPLACEMENT FOR YOUR CAR WHILE IT IS OUT OF USE DUE TO BREAKDOWN, REPAIR OR SERVICING; 1
4. ANY NON-OWNED CAR WHILE IT IS;
a. BEING MAINTAINED OR USED BY ANY PERSON WHILE THAT PERSON IS EMPLOYED IN OR ENGAGED IN ANY WAY IN A CAR BUSINESS; OR
b. USED IN ANY BUSINESS OR OCCUPATION OTHER THAN A CAR BUSINESS. This exclusion (1
4.
b.) does not apply to a private passenger car; 1
5. ANY PART OR EQUIPMENT OF A COVERED VEHICLE IF THAT PART OR EQUIPMENT;
a. FAILS OR IS DEFECTIVE; OR
b. IS DAMAGED AS A DIRECT RESULT OF; (1) WEAR AND TEAR; (2) FREEZING; OR (3) MECHANICAL, ELECTRICAL, OR ELECTRONIC BREAKDOWN OR MALFUNCTION OF THAT PART OR EQUIPMENT. This exclusion does not apply if the loss is the result of theft of the covered vehicle; 1
6. ANY PART OR EQUIPMENT;
a. THAT IS NOT LEGAL FOR USE IN OR ON THE COVERED VEHICLE IN THE JURISDICTION WHERE THE COVERED VEHICLE IS REGISTERED; OR
b. THE USE OF WHICH IS NOT LEGAL IN THE JURISDICTION WHERE THE COVERED VEHICLE IS REGISTERED BECAUSE OF HOW OR WHERE THAT PART OR EQUIPMENT IS INSTALLED IN OR ON THE COVERED VEHICLE. However, if there is a legal version of the part or equipment that is necessary for the safe operation of the covered vehicle, then we will pay the cost that we would otherwise have paid to repair the vehicle with the legal version of the part or equipment. We will not pay any cost necessary to modify the vehicle for installation of the legal version of the part or equipment; 1
7. TIRES. This exclusion does not apply if;
a. loss is caused by missiles, falling objects, windstorm, hail, fire, explosion, earthquake, water, flood, total or partial theft, malicious mischief, vandalism, riot, civil commotion, or hitting or being hit by a bird or an animal; or
b. loss caused by collision to another part of the covered vehicle causes loss to tires; 1
8. REMOVABLE PRODUCTS USED FOR STORAGE OF AUDIO, VIDEO, OR OTHER DATA, INCLUDING BUT NOT LIMITED TO TAPES, DISCS, AND MEMORY CARDS, NOR IS THERE COVERAGE FOR THE RECONSTRUCTION OF DATA CONTAINED THEREIN; 1
9. ANY EQUIPMENT USED TO DETECT OR INTERFERE WITH SPEED MEASURING DEVICES; 20. A CAMPER, INCLUDING ITS PARTS AND ITS EQUIPMENT, THAT IS;
a. DESIGNED TO BE MOUNTED ON A PICKUP TRUCK;
b. OWNED BY AN INSURED; AND
c. NOT SHOWN ON THE DECLARATIONS PAGE; OR 2

1. ANY COVERED VEHICLE WHILE IT IS;
a. BEING PREPARED FOR, USED IN PRACTICE FOR, OR OPERATED IN ANY RACING CONTEST, SPEED CONTEST, HILL-CLIMBING CONTEST, JUMPING CONTEST, OR ANY SIMILAR CONTEST; OR
b. ON A TRACK DESIGNED PRIMARILY FOR RACING OR HIGH-SPEED DRIVING. This exclusion (2

1.
b.) does not apply if the vehicle is being used in connection with an activity other than racing, high-speed driving, or any type of competitive driving. If Other Physical Damage Coverage or Similar Coverage Applies

1. If the same loss or expense is payable under more than one of the physical damage coverages provided by this policy, then only the one coverage that pays the most for that loss or expense applies.

2. If any of the physical damage coverages provided by this policy and one or more other policies issued to an insured by the State Farm Companies apply to the same loss or expense, then only one policy applies. We will select a policy that pays the most for the loss or expense.
3. The physical damage coverages provided by this policy apply as primary coverage for a loss to your car. If similar coverage provided by one or more sources other than the State Farm Companies also applies as primary coverage for the same loss or expense, then the State Farm Companies will pay the proportion of the loss or expense payable as primary that the maximum amount that may be paid by the State Farm Companies bears to the sum of such amount and the limits of all other similar coverage that applies as primary coverage.
4. Except as provided in
3. above, the physical damage coverages provided by this policy ap-ply as excess coverage. If similar coverage provided by one or more sources other than the State Farm Companies also applies as excess coverage for the same loss or expense, then the State Farm Compa-nies will pay the proportion of the loss or ex-pense payable as excess that the maximum amount that may be paid by the State Farm Companies bears to the sum of such amount and the limits of all other similar coverage that applies as excess coverage.

Comprehensive Coverage