# New York Automobile Endorsement

**Policy No:** 8506175  
**Effective Date:** [Not specified]  
**Agency No.:** [Not specified]  
**Premium:** $ [Not specified]  
**Incl. In:** Composite Rate

## Amendment of Cancellation Condition - New York

It is agreed that in the second sentence of the Cancellation Condition, the word "ten" is replaced by "twenty" and the following is added:

- "Provided in the event of non-payment of premium, such notice shall arise when not less than ten days there after such cancellation shall be effective."

## Limitation of Family Protection Against Uninsured Motorists Coverage - New York

It is agreed that such insurance as is provided by this endorsement or any endorsement used therewith, other than the New York Automobile Accident Indemnification Coverage, with respect to damages which the insured shall become legally entitled to recover from the owner or operator of an uninsured automobile, does not apply to any accidents occurring within the State of New York.

## New York Automobile Accident Indemnification Endorsement

The company agrees with the named insured in consideration of the payment of the premium for this endorsement as subject to all terms of this endorsement:

### Insuring Agreements

1. **Damages for Bodily Injury Caused by Uninsured Automobiles:**
   The company will pay all sums which the insured or his legal representative shall be legally entitled to receive because of bodily injury, including death resulting therefrom, hereinafter called "bodily injury," sustained by the insured, caused by accident arising out of the ownership, maintenance, or use of an uninsured automobile while used as a public or livery conveyance and as any other automobile while being operated by the insured or such representative.
   
2. **Definitions:**
   (a) **Insured:** The unqualified word "insured" means:
     - The named insured and, while residents of the same household, his spouse and the relatives of either.
     - Any other person who is occupying an automobile owned by the named insured or, if the named insured is an individual, such spouse and used by or with the permission of either.
     - Any other automobile while being operated by the insured or such representative.
   (b) **Uninsured Automobile:** The term "uninsured automobile" means:
     - An automobile which is uninsured or has no financial responsibility insurance on or use of which there is, in the amounts specified in the New York Motor Vehicle Financial Security Act, neither (i) cash or securities on deposit with the New York Commissioner of Insurance nor (ii) a bond or other security issued by a self-insurer or a surety company, nor (iii) a certificate of financial responsibility issued to any person or organization legally responsible for the use of such automobile, or with respect to which there is a bond, surety bond, or other security applicable at the time of the accident but the company writing the same disclaims liability or denies coverage thereunder; or
     - A hit-and-run automobile as defined.
   (c) **Hit-and-Run Automobile:** The term "hit-and-run automobile" means an automobile which causes bodily injury to a person not in physical contact with the insured or with an automobile which the insured is occupying at the time of the accident, provided: (i) there cannot be ascertainable proof that the person was in physical contact with the insured or with an automobile which the insured was occupying at the time of the accident; and (ii) the insured shall have reported the accident within 24 hours of the occurrence thereof or as soon as reasonably possible to a police, peace or judicial officer or to the Commissioner of Insurance, and the insured or his legal representative shall have made available for inspection the automobile which the insured was occupying at the time of the accident.
   (d) **Occupying:** The word "occupying" means in or upon entering into or alighting from.
   (e) **State:** The word "state" includes the District of Columbia, a territory or possession of the United States, and a provincial or territorial jurisdiction.
   (f) **Territory:** This endorsement applies only to accidents which occur within the State of New York.

(Continued on reverse side)

**ZURICH INSURANCE COMPANY**  
**AMERICAN GUARANTEE AND LIABILITY INSURANCE COMPANY**

**Z 006940**