Auto Deductible Reimbursement Benefit

DEFINITION
Administrator means Cynosure Financial, Inc., administrator for the Drivers Advantage Auto Deductible Reimbursement Benefit insured by Virginia Surety Company, Inc. You should contact the Administrator if you have questions regarding this coverage, or would like to make a claim. The Administrator can be reached by phone at 1-800-711-4280.

Membership effective Date means the date You enroll as a member in Drivers Advantage Auto Deductible Reimbursement Benefit or upon receipt of payment of membership dues as per the membership terms and conditions for Drivers Advantage Auto Deductible Reimbursement Benefit, which ever occurs last.

Coverage Period means the period of time starting 30 days after the Membership Effective Date. Coverage will continue for the term indicated on the cover/welcome letter until You or Drivers Advantage Auto Deductible Reimbursement Benefit cancel Your membership in Drivers Advantage Auto Deductible

Reimbursement Benefit, as long as You are a member in good standing as defined by the membership terms and conditions for Drivers Advantage Auto Deductible Reimbursement Benefit.

If You or Drivers Advantage Auto Deductible Reimbursement Benefit cancels Your membership, this coverage will also be cancelled.

Covered Deductible means Your automobile insurance policy’s collision deductible and comprehensive deductible.

Loss means a loss in which You incur a deductible from the indemnity payment as per the deductible clause of Your automotive insurance policy, subject to the terms and conditions of this Evidence of Coverage.

You or Your means the person who is a member in good standing in Drivers Advantage Auto Deductible Reimbursement Benefit as defined by the membership terms and conditions for Drivers Advantage Auto Deductible Reimbursement Benefit and whose membership has not expired or been cancelled by the member or Drivers Advantage Auto Deductible Reimbursement Benefit.

Evidence of Coverage or Coverage means this document, which describes the terms and conditions of Drivers Advantage Auto Deductible Reimbursement Benefit Coverage. This Evidence of Coverage sets forth the entire agreement between You and the Company. Representations or promises made by any person that are not contained in this document are not a part of Your Drivers Advantage Auto Deductible Reimbursement Benefit Coverage.

Insured Vehicle means any vehicle owned by You that is designed and licensed for use on public roads, but not used commercially, and is insured under Your automotive insurance policy up to a maximum of one (1) vehicle. Insured vehicles may include a.) private passenger vehicles; b.) station wagons; c.) jeep/SUV type vehicles; d.) pick-up-type vehicles.

COVERAGE DESCRIPTION:
Subject to this evidence of Coverage, an automotive insurance deductible reimbursement benefit is payable if You sustain a collision or comprehensive loss on an Insured Vehicle that is covered by Your automotive insurance policy, but only if (a) the
collision or comprehensive loss exceeds the applicable deductible and (b) You submit a claim with respect to the collision or comprehensive loss to the insurance company that issued Your automotive insurance policy and that claim is paid by Your automotive insurance company .

NOTE: Coverage is excess of any other applicable insurance or indemnity available to You. Coverage is limited to only those amounts not covered by any other insurance or indemnity, subject to the conditions, limitations, and exclusion described herein. In
no event will this coverage apply as contributing insurance. This “non-contribution” clause will take precedence over the “non-contribution” clauses found in other insurance or indemnity language.

LIMIT OF LIABILITY
Our aggregate of Liability is as follows:
The maximum deductible reimbursement We will pay for covered deductibles:
• Automotive collision and comprehensive deductible
We will not be liable for more than two (2) Loss (es) within any consecutive twelve (12) month period.

CONDITIONS PRECEDENT TO LIABILITY:
We have no liability unless the following has taken place:
1. The Loss occurred during the coverage period; and
2. At the time of the loss, You have in force coverage through Your automotive insurance carrier; and
3. A vehicle accident/police report, if required by Your automotive insurance policy, has been filed within 10 days of the loss; and
4. You have received an indemnity payment for a Loss from Your automotive insurance carrier; and
5. The indemnity payment You have received from Your automotive insurance carrier includes a deduction from the
Loss settlement proceeds as per the deductible clause of Your automotive insurance policy

EXCLUSIONS
We shall not be responsible for a loss:
If the claim under Your automotive insurance has been denied for any reason;
If Your automotive insurance company has waived the automotive insurance policy deductible;
If the claim does not exceed Your current automotive insurance deductible or does not result in a payment made to You by Your current automotive insurance company because the claim did not exceed the current insurance deductible, or is not covered, or
it is specifically excluded by the automotive insurance policy;
If the vehicle is used for commercial purpose or hire;
That involves liability on insured motorists medical payments, personal injury protection, or towing coverage provided for under
Your automotive insurance policy, including but not limited to, personal injuries of any kind arising from illegal activity;
If the vehicle is a rental vehicle, commercial vehicle, limousine;
Involving damage to or theft of any automotive glass or tire of the Insured Vehicle;

• That occurs prior to the start of the Coverage Period or after the Coverage Period ends;
• Resulting from any kind of dishonest, fraudulent or criminal act, or illegal activity;
• Where no vehicle accident/police report has been filed, if required by Your automotive insurance policy, within the 10 day allotted time frame;
• As a result of damage that is not covered under the collision or comprehensive section of Your insurance policy;
• That was caused intentionally or non-accidentally by You;
• To any vehicle, which is (a) being tested or time tested, or (b) participating in races, speed contests or exhibitions of any kind;
• Due to driving while under the influence of drugs or alcohol, or reckless driving;
• Sustained on any road, other than a road paved with cement or tarmac;
• On items not installed by the original manufacturer.

CLAIMS:
To make a valid claim, You should call the Administrator at 1-800-711-4280 within 45 days of the date that the loss occurred. Failure to give notice within 45 days of the loss may result in a denial of the claim.

The administrator will send a claim form, which should be completed and mailed back to the Administrator at Drivers Advantage Auto Deductible Reimbursement Benefit, c/o Cynosure Financial, Inc., 24825 Little Mack Ave., Suite 100, Clair Shores, MI 48080 with :

• A copy of the current automotive insurance policy, showing Your vehicle is insured;
• A copy of the check from Your insurance company showing payment for loss that exceeds the deductible amount;
• A copy of the vehicle accident/police report, if applicable;
• A copy of the vehicle registration;
• Any other documentation that the Administrator may reasonably request to validate a claim.

All these required items, including the claim form, must be postmarked within 90 days of the Date of Loss, or the claim may be denied.

CANCELLATION AND NON-RENEWAL:
The Policyholder or the Company can cancel or choose not to renew this coverage. If this happens, Drivers Advantage Auto Deductible Reimbursement Benefit will notify You at least thirty (30) days in advance of the expiration of this coverage. Such notices need not be given if substantially similar replacement coverage takes effect without interruption and is provided by the
same insurer. If the group Policy is cancelled or non-renewed by either the Policy holder or the company, the coverage benefits will continue to be in force for the period that premium has already been paid for to the Company. Coverage will still apply to claims that occurred prior to the date of such cancellation or nonrenewal, provided all other terms, conditions, and exclusions of coverage are met.

GENERAL PROVISIONS:

Misrepresentation and Fraud: Coverage for You shall be void if, whether before or after a loss, You have concealed or misrepresented any material fact or circumstance concerning this coverage or the subject thereof or the interest of You therein, or if You commit fraud or false swearing in connection with any of the foregoing.

Legal Actions: No action at law or in equity shall be brought to recover under this Evidence of Coverage prior to the expiration of sixty (60) days after proof of loss has been furnished in accordance with the requirements of this coverage.

Duplicate Membership Coverage: In the event that You have
intentionally or unintentionally enrolled for more than one membership in Drivers Advantage Auto Deductible Reimbursement Benefit, coverage under this Evidence of Coverage is limited to one benefit payable per loss.

Subrogation: If payment is made under this Evidence of Coverage,
We are entitled to recover such amounts from other parties or persons. Any party or person to or from whom We make payment must transfer to Us his or her rights to recover against any other party or persons and must do everything necessary to secure these rights and must do nothing that would jeopardize them, or these rights will be recovered from that person.

Salvage: If salvage is requested, it must be remitted to the
Administrator at Your expense. Failure to remit requested salvage may result in denial of the claim.

Dispute Resolution: Drivers Advantage Auto Deductible
Reimbursement Benefit Automotive Deductible Reimbursement Coverage is subject to the terms and conditions outlined and includes certain restrictions, limitations, and exclusions. This Evidence of Coverage is not a policy of insurance. In the event of any conflict between the coverage’s in this Evidence of Coverage and the Group Policy, the Policy Group will govern. The Group Policy is on file at the offices of the Administrator. The Drivers Advantage Auto Deductible Reimbursement Benefit Coverage is insured by Virginia Surety Company, Inc.

If any dispute arises between Us and You with reference to the interpretation of this coverage or the extent of any settlement offered, the dispute shall be referred to arbitration for a decision binding on both parties, and not subject to any appeal process. Unless otherwise governed by applicable state law, the Group Policy shall be interpreted and enforced in accordance with the laws of the state of Delaware.

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