# FAMILY PROTECTION COVERAGE

**(Protection Against Uninsured Motorists)**

**(Automobile Bodily Injury Liability)**

**POLICY NO:** 8506175  
**EFFECTIVE DATE:**  
**AGENCY NO:**  
**ADVANCE PREMIUM:**  
**INCL. IN:**  
**COMPOSITE RATE:**  

This endorsement is issued by the company named below, which is the insurer under the policy designated above (hereinafter called "the Named Insured") and forms a part of said policy as of the effective date hereof, as the hour stated in the policy Declaration.

**ALL AUTOMOBILES GARAGED IN THE STATE OF CALIFORNIA**

**Schedule**

[Insured or named insured for purposes of this endorsement use Insuring Agreement II (a)]

**Limits of Liability:** $10,000 each person | $20,000 each accident

**Description of Insured Automobiles:**
- Any automobile owned by the principal named insured.
- Any private passenger type automobile owned by the principal named insured.
- Any automobile to which are attached Dealer's Automobile Registration Plates issued in the name of the principal named insured.
- Any automobile designated in the declarations of the policy by the letters "UM" and an automobile ownership of which is acquired during the policy period by the principal named insured as a replacement therefor.

In consideration of the payment of the premium for this endorsement and subject to all of the terms of this endorsement, the company agrees with the named insured as follows:

**Insured Agreements**

I. **Damages for Bodily Injury Caused by Uninsured Automobiles:** The company will pay all sums which the insured or legal representative shall be legally entitled to recover damages from the owner or operator of an uninsured automobile, or from any person or organization for bodily injury, sickness, or disease, including death resulting therefrom, hereinafter called "Bodily Injury," caused by the uninsured automobile, if the Bodily Injury is not caused by the insured or any relative of the insured, or any other uninsured automobile, or by the insured or any relative of the insured while using such uninsured automobile. For the purposes of this endorsement, determination as to whether the insured or such representative is legally entitled to recover such damages shall be made by the court in accordance with the law of the state where the Bodily Injury occurs. If the court determines that the insured or such representative is not legally entitled to recover such damages, the company shall be released from liability under this endorsement.

II. **Judgment against Person or Organization Alleged to Be Legally Responsible:** No judgment against any person or organization alleged to be legally responsible for the bodily injury shall be conclusive against the company unless such judgment is entered against such person or organization or of the amount of damages to which the insured is legally entitled unless such judgment is entered pursuant to an action prosecuted by the insured with the written consent of the company.

(a) **"Uninsured" means:**
(i) the named insured as stated in the policy (herein also referred to as the "principal named insured") and any person residing in the schedule and, while residents of the same household, the spouse of any such named insured and relatives of such spouse;
(ii) any person while occupying an insured automobile; and
(iii) any person, with respect to damages he is entitled to recover because of bodily injury to which this endorsement applies sustained by an insured, except as provided in subparagraph (i) above, when such person is:
(a) while being used for the purpose of being repaired, serviced, or lost or destroyed;
(b) described in the schedule as an insured automobile to which the bodily injury liability coverage of the policy applies;
(c) while temporarily used as a substitute for an insured automobile as described in subparagraph (i) above, when such substitute automobile has been driven to its servicing, or loss or destruction;
(d) while being operated by a named insured or by his spouse if a resident of the same household;
but the term "uninsured" does not include:
(i) an automobile while used as a public or livery conveyance;
(ii) an automobile while being used without the permission of the owner;
(iii) an automobile owned by the United States of America, Canada, a state, a political subdivision of any government, or an agency of any of the foregoing;
(iv) an automobile furnished for the regular use of the principal named insured or any relative of the same household;
(v) an "uninsured automobile" means:
(a) an automobile which is not covered on the ownership, maintenance, or use of which there is, in at least the amounts specified in the financial responsibility law of the state in which the insured automobile is principally garaged, no liability insurance required by law, or which is not required to be registered or licensed for the use of such automobile, or with respect to which there is a bodily injury liability bond or insurance policy applicable to the use of such automobile, or with respect to which there is the same excess coverage hereinafter or
(b) a hit-and-run automobile as defined, but the term "uninsured automobile" shall not include:
(i) an automobile which is owned or operated by a self-insurer within the meaning of any minor vehicle financial responsibility law;
(ii) an automobile which is owned by the United States of America, Canada, a state, a political subdivision of any government, or an agency of any of the foregoing;
(iii) an automobile which is not required to be registered or licensed for use on rail or crawler-tracks or while located in use as a revenue or public road or as a vehicle or
(iv) a farm type tractor or equipment designed for use exclusively on public roads, except while actually in use on public roads.

Countersigned by duly authorized agents:

ZURICH INSURANCE COMPANY  
AMERICAN GUARANTEE AND LIABILITY INSURANCE COMPANY

Form 2743-B - July 1963

Z 006938