ISO is revising the homeowners program and adding some new endorsements. It can also provide liability coverage if someone hurts themselves at your home or you cause property damage. RULE §5. b. COUNTRY Financial can help you with the proper protection. 1:08-cv-129264). 1 Windstorm or Hail Deductible Endorsement CO,NM,OK,WY AR,CO,KS,NM OK,WY RDP FARM RANCH FARM RANCH FE-5313 Hurricane Deductible Endorsement NY RDP FE-5314. Appraisal is deleted and replaced by the following: 6. A typical waiver endorsement is the Texas Amendatory Endorsement WC 42 03 04 A approved by the Texas Department of Insurance. The policy booklet states: THIS POLICY 1. In its pleadings, State Farm stated that it had denied coverage for Kent’s injuries based on the “mechanical device” exclusion in the commercial vehicle endorsement (Endorsement 6018GG. NF-5 Hospital Facility Form. mandatory. you. Finally got around to logging into the State Farm site and poking around. (2) Mutual exchange of services; of the “residence premises”, in. By its terms, the definition of “contamination” in the Louisiana Amendatory Endorsement does not apply to claims arising in Washington. Depending on the policyholder, the endorsement limits coverage to a maximum of $100,000 per occurrence, providing peace of mind to families that their financial health will not be severely impaired. The following are examples of common exclusions for which endorsements are available:GEORGIA AMENDATORY ENDORSEMENT You and We agree: 1. State Farm denies that it has violated the statutes as alleged in the CRN. I noticed that under endorsements it says "EXCESS COVERAGE FOR PERSONAL VEHICLE SHARING" and dove a little deeper into the paperwork. TERRITORIAL DEFINITION S RATE PAGESLocate your key code. PLEASE READ IT CAREFULLY. The term is also used to describe the. Loss assessment coverage is often an optional protection that can be added to a unit owner's. It must be signed at the closing table when all parties are present. com. IRA Distribution Request. Paragraph Q. of the Declarations is changed to read as follows: All other terms and conditions of this Policy remain unchanged. Tim Johnson ("Johnson") appeals the trial court's grant of summary. the ClaimSatisfaction Guarantee Amendatory Endorsement applied to your policy on the date of that covered loss; 4. S. A typical mobile home insurance policy is an HO-7 form. Policyholders and Injured Parties. Estes is explicitly excluded from the definition of resident relative because he was one of the named insureds in the policies. First, State Farm satisfied section 627. However, if you live in a mold-prone state where there is a lot of rain, this coverage can be expensive or nearly impossible to obtain,” Ragsdale. AAIS This endorsement changes UM 0748 01 00 the policy Page 1 of 3 -- PLEASE READ THIS CAREFULLY --AMENDATORY ENDORSEMENT WISCONSIN 1. “State Farm Companies” means one or more of the following: a. Cost will depend on the size of your business and your insurance company. An insurance endorsement, also known as an insurance rider, is a legally binding change to an insurance policy. ML- 73. An insurance endorsement is an addition to the existing policy contract. Such other products or services must be pro-vided by the . 2d 727, 729 (Va. -on-the-street,” that is, the term's plain and ordinary meaning. Consider insuring your home for at least 100% of estimated replacement cost. Disclaimer. The followingis added: Actual Cash Valuemeans the least of the: a. Co. NF-5 Hospital Facility Form. 6128DV. 6087C STATUTORY NOTICE. Except for the changes it makes, all other terms of the policy remain the same and apply to this endorsement. Trying to get a copy of your complete insurance policy form book and or. 0 amendatory endorsement - oklahoma ok ml0497 aais 08. It is not a pricey endorsement to add to your policy—typically between $50 and $250 per year. Part A – Definitions is amended by adding the following Definition 30–. How much it costs. If mobile is your thing, download the State Farm mobile app. A car insurance endorsement can change your coverage significantly. Last updated: March 2020. 1 A state amendatory typically is an endorsement that conforms the policy to minimum requirements set forth in state law. Provides an overview of the ISO amendatory endorsements that are attached to each ISO homeowners form. at 232-35. Auto insurance coverage optionsto better fit your needs. (Super. Please read it carefully. the regular or frequent use of: you. When I look at a State Farm policy, there is a page that has Forms, Options, and Endorsements and right below it, it shows. PLEASE READ IT CAREFULLY. Bodily Injury means bodily injury, bodily sickness or bodily disease to a person including required care, loss of services and death resulting therefrom. 9970. D. PART 5. Farmers Insurance Company Inc. is found in a Texas workers’ compensation policy looks like this: * Other states have other waiver forms, such as Form WC 00 03 13. D. CA 04 21 11 20 – Full Safety Glass Coverage: Essentially, attachment of this endorsement removes deductibles for glass. Get Auto Insurance in Maryland. (PDF) H4-2119 (PDF) H6-2119 (PDF) HO-2264. The followingis added: Actual Cash Valuemeans the least of the: a. Insurance companies may also have optional amendatory endorsements which the policyholder may select to broaden, narrow, or otherwise alter the coverage provided. PART 7. PART 5. 56-5274: Protector Plus Home Owners’ Package Policy. amendatory endorsement this endorsement changes your policy - please read it carefully fmho 2493 08 11 liberty mutual insurance group page 1 of 2 this endorsement supersedes all other endorsements which have been made part of your policy and reference these same provisions section i - property coverages coverage a - dwelling item 1. The owner of the contract is called "you". we have made a payment toyou or on your behalf for that covered loss; 5. Your $16,000 roof claim would be amended as follows: $2,500 deductible. IF. Most renters insurance policies set an overall claim limit for jewelry and furs of. Non-Commercial Driver Licenses. h. This endorsement modifies insurance provided under the following: <Product Name> 1. The appraisers will state separately the actual cash value and the amount of loss. State Farm County Mutual Insurance Company of Texas. STATE CORPORATION COMMISSION BUREAU OF INSURANCE AT RICHMOND, AUGUST 19, 2002. For instance, if a part is damaged in an accident but is still fully functional, the insurance company may pay the person making the claim money to keep. means: 1. Effective date of this. As used in this endorsement, "Contract" means the Contract or Certificate to which this endorsement is attached The following changes are made to your Contract. at p. Amendatory Endorsement 6128AP stated in relevant part: ¶21 State Farm expressly provided in Amendatory Endorsement 6128AP that it would not allow stacking. American Family Mutual Insurance, 1 recently upheld that the Minnesota Amendatory Homeowners Endorsement (“Endorsement”) excludes “matching. v. How to use amendatory in a sentence. You can also claim up to $25,000 should. Rule 55 currently contains a note at the end that. Such claims will generally be paid by the insurer in two parts. farm land (without buildings), rented or held forWhat Is an Insurance Endorsement? An insurance endorsement is essentially any change made to your existing auto insurance policy. Covered Vehicle. DEFINITIONSA homeowners insurance policy endorsement expands on the standard homeowners coverage by adding to or modifying the insurance policy. This language, while not required by statute, was clear and unambiguous. Small businesses also can purchase a similar amendatory endorsement to their businessowners insurance policy. W. State Farm Compa-nies. or a state licensed and regulated surgical center; or (2) To the emergency use of General Anesthesiaor Deep Sedation in order to save a life or avoid a permanent injury. For example, an endorsement can provide golf cart personal property coverage of up to $5,000 and liability coverage of up to $25,000. Any vehicle shown in the Declarations. View HO 06 52. definition of “motor vehicle” resolved the dispute in State Farm’s favor. 2. State Farm Companies. For more information, visit State Farm Fire and Casualty Company's website or call 800-782-8332. au1007 01-20 commandeered auto definition endorsement au1009 01-20 incidental garage operations au1017 01-20 auto physical damage extension endorseme. the premium or price for other products or services purchased by . The following changes to your policy are effective on your first renewal on or after 12/1/2023. It's a form that becomes part of your insurance policy, altering your policy coverage. Your $16,000 roof claim would be amended as follows: $2,500 deductible. number date title state----- sample declarations. This affordable insurance package protects you against the unexpected risks of doing business. For example, let's say you own two rings — each valued at $2,000 — and both need to be insured. HW-2116 Homeowners policy. 56-5019: Landlords Protector Package Policy. , Civil No. ” (Id. 6. Endorsement Number Policy Symbol Policy Number Policy Period to Effective Date of Endorsement Issued By (Name of Insurance Company) Insert the policy number. Santa Clara County, April 20, 2016, No. An amendatory endorsement (loss-payable endorsement) to Wesser's policy provides that a "[l]oss will be payable five business days after [State Farm receives the insured's] proof of loss and: (a) reach[es] an agreement with [the insured]; (b) there is an entry of a final judgment; or (c) there is a filing of an appraisal award with [State Farm. AMENDATORY ENDORSEMENT . ¶7 In January 2016, State Farm mailed Thurston a copy of the declaration page for his 2015 Chevrolet K1500, and attached a copy thereof. us or by letter to the Maryland Insurance Administration, 525 St. You get personalized service from any one of our 19,000 agents nationwide. 1 of 6128AC Amendatory. Co. is changed to read: 3. State Farm Companies. Under Common Policy Conditions, Cancellation is deleted and replaced by the following: Cancellation. 56-5273: Broad Form Renters Package Policy. temporary substitute car. and that 15 – OPINION AND ORDER Exclusion 2. 1 Windstorm or Hail Deductible Endorsement (Farm/Ranch & RDP) This endorsement is used to identify when there is a separate deductible. Any auto or “trailer” you do not own while used as a temporary substitute for any other vehicle described in this definition which isAmendatory definition: . This coverage automatically increases the amount of condominium unitowners insurance coverage on your building property and personal property as inflation changes the cost of replacing your property. Part 5. m. 50 per month in addition to the rest of the normal coverage. New Form! HO 00 14: Homeowners 14 – Contents Comprehensive Form. 05 amendatory endorsement - oregon or ml452 aais 2. k. Plus, in addition to upping your coverage limits, riders can protect you for events that aren’t covered by basic insurance policies, like earthquakes, damage from pets, or identity theft. Well . you, including noninsurance pro- d-ucts or services, to vary. WHO-503 Farm Personal Property View WHO-503 ML-30 Fire Department Service Charge:. ISO has introduced a new renters coverage form. or by an organization that has entered into an agreement or con- ¶ 10 On October 20, 2017, State Farm filed a motion for summary judgment and a supporting memorandum. State Farm Indemnity Company. ” (at 21. Except for the changes this endorsement makes, all other provisions of the policy remain the same and apply to this endorsement. any endorsements that apply, including those listed on that Declarations Page as well as those issued in connection with any. Amendatory Endorsement Wisconsin: View GL 0035 GL-452: Amendatory Endorsement Wisconsin View GL-452: FO 0710. CL 0160 02 16. An endorsement/rider can be issued at the time of purchase, mid-term or at renewal time. Canine Liability Exclusion: A homeowners policy endorsement that prevents the insurer from being liable for injuries or property damage caused by a canine owned by the insured. AUSTIN, TEXAS. (Super. 6 %âãÏÓ 1029 0 obj > endobj 1034 0 obj >/Filter/FlateDecode/ID[6CEC40B212A4CC44B48581E3068119E1>]/Index[1029 12]/Info 1028 0 R/Length 49/Prev 907303/Root. Under CONDITIONS-SECTION 1 THROUGH 6, 6. Return the completed form to State Farm via e-mail at HOME CLMS-FIRECLAIMS with your claim number as the subject. Added Water Damages Coverage. Ins. 2. Effective date of this endorsement: [X]State Farm Mutual Automobile Insurance Company, No. , 237 Va. 5 ¶ 11 In its supporting memorandum, State Farm described its version of the unloading process as follows: “An auger was being. where there is an inconsistency between a state amendatory endorsement and any term or condition of the policy, the insurer shall apply the terms and. An insurance endorsement, also called a , is a change to your insurance policy that adjusts your coverage. On my old policy I had endorsement 6015J which was actually only about $6. endorsements by their Manual and State requirements. judgment in favor of State Farm Mutual Automobile Insurance Company ("State. This endorsement applies only to work in a state shown in the Schedule and subject to the Federal Coal Mine. md. NF-4 Verification of Hospital Treatment. ”. Amendatory Endorsement Minnesota: View ML-451 WFL 0085: Amendatory Endorsement Wisconsin (Farm Fire) View WFL 0085: GL 0035. Box 799100 Dallas, TX 75379-9100 M-15- -FAEO 001441 3125 ABITARE CONDOMINIUM ASSOCAmendatory Endorsement: This notice confirms that a change was made to a policyholder's base policy, such as adding towing service. To illustrate, if you have an ISO CGL policy and one of the endorsements added by the insurer has a form number of the structure “CG 21 ## MM YY,” the “21” category of CGL endorsements tells you that this form excludes something because the “21” category is “Exclusion Endorsements. Federal Mine Health and Safety Act Coverage Endorsement INSTRUCTIONS. Please contact your Agency Marketing Manager with any questions. For instance, if you choose to purchase an optional coverage to broaden your insurance protection, it may be called an endorsement. 5/10. Between the late 1990s and early 2000s, the insurance industry changed the wording of home insurance policies to exclude mold coverage in response to increased mold damage claims associated with homeowners insurance water damage claims. The definition of “pollutants” is deleted and replaced by the following: “Pollutants” means any solid, liquid, gaseous, bacterial, fungal, electromagnetic, thermal or other agent or substance that can be toxic or hazardous, cause irritation to animals or persons and/or cause contamination to property and the environment,CMP-4705. Such other products or services must be pro-vided by the . Amendatory Endorsement for Employees. If your home is older, your insurance check dropped from $13,500 to $1,500. Definition: State Farm. PART 7. " Homeowner, Fire, Life and Health bills: Locate your current bill's 10-digit key code at the top-right corner of the bill, directly. Amendatory Endorsement 6128AP stated in relevant part:¶21 State Farm expressly provided in Amendatory Endorsement 6128AP that it would not allow stacking. D. It's a legally binding amendment to a contract. (New)Denotes change. Get a free quote now. This new endorsement covers both customer-owned autos and watercraft. NF-7 Verification of Self-Employment. An insurance endorsement may change your policy so that it better fits your needs. is amended. Consider insuring your home for at least 100% of estimated replacement cost. The deductible amount (%) is 2935C Page 1 of 2 AMENDATORY ENDORSEMENT This endorsement is a part of the policy. Auto. Auto. Adding an endorsement to your existing insurance contract usually means adding or modifying coverage. A standard home insurance policy provides liability coverage and property damage, typically extending to the property's guests and their belongings. Could be a roof schedule, could state what they take depreciation on. What does endorsement mean on an insurance policy? An endorsement, also known as a rider, adds, deletes, excludes. ENDORSEMENT Issued to: Policy Number: Endorsement number: (applicable when the endorsement is not issued with the Policy or takes effect after the. State Farm Companies. Clause V. IRA Rollover/Transfer Form. If you have a larger home business, you may need an in-home business policy, which. State Farm is introducing a new coverage endorsement in several states to help fill insurance gaps for its policyholders who use their personal cars to provide rides for a Transportation Network Company (TNC), like Uber and Lyft. STATE FARM FIRE AND CASUALTY COMPANY P. A flood insurance policy normally takes 30 days from the date of purchase to go into effect. Property damage liability: $25,000 per accident. 3. The amount is an affordable addition depending on your coverage needs, and if you ever face the unexpected, it’ll be worth the cost compared to what you could pay for damages or replacement costs. It does include any of the state amendatory or unique forms and does not include any of the terrorism endorsements. If you get an endorsement, expect your premium to change. Only way to tell would be to get a copy and read it. State Farm Companies, subject to their ap-plicable eligibility rules; or . The written report of agreement will set the amount of the loss of each item in dispute and will be binding upon you and us. Farm premises means the locations shown on the Declarations and when used to support farming. We will pay those sums that the "insured" becomes legally obligated to pay as damages for physical injury to crops or animals if: (1) The injury was caused by discharge, dispersal, release or escape into the air,State Farm™ Introduces Transportation Network Company Driver Coverage in 14 Additional States and D. $1000 deductible on Collision and $250 on. Except for the changes this endorsement makes, all other. In January 2020, summary judgment was entered in favor of defendant State Farm Mutual Automobile Insurance Co. H899 07/92 FRO6050792 AMEND DEFINITION OF RESIDENCE PREMISES TX (B) H895 07/92. Review the Motion for Discovery in State Farm Mutual Automobile Insurance Company v. The following new endorsements have been introduced for use in North Carolina: • NC 03 33 06 21 Trust Endorsement - This endorsement provides coverage for vehicles held in trust. Appointment of Commissioner as Agent - Form RRG/PG C1. Insurance endorsements can be standard, which means they are published by an industry advisory organization, or non-standard, which means they are developed by insurers. Under Definitions, "bodily injury" is deleted and replaced by: "Bodily injury" means bodily harm to a person and includes sickness, disease, or death. Amend the policy by adding thereto the endorsements as set out in (c) below, which may. at 237-39. For Condo Unit-Owners (HO-6), limit usually the declared value by insured. Along with standard coverage options like comprehensive , collision, and uninsured/underinsured motorist coverage, most insurance companies offer coverage endorsements that allow you. %PDF-1. A. through 5. " This endorsement defined professional services of engineers, architects, or surveyors to include "the preparing, approving, or failure to prepare or approve maps, shop drawings,. do not warrant the merchantability, fitness, or quality of any product or service offered or provided by that organization; or (3) an agreement, concerning the insurance provided by this policy, that the . NF-4 Verification of Hospital Treatment. ml0424 aais 07. This policy consists of: a. 5. 3d 875 (Mo. PAGE HO 1 of 52 WOLTERS KLUWER Customer Support: 800-382-2424. What is amendatory endorsement on State Farm? DEFINITIONS Newly Acquired Car is changed to read: If a newly acquired car is not otherwise afforded comprehensive coverage or collision coverage by this or any other policy, then this policy will provide Comprehensive Coverage or Collision Coverage for that newly acquired car,. Discounts and their availability may vary by state and eligibility requirements. An insurance endorsement is an amendment to a property and casualty insurance policy. Forms, Options and Endorsements: Forms, Options and Endorsements: CMP-4100 Businessowners Coverage Form. Clause II. 2020), the insured appealed the trial court's grant of summary judgment in favor of State Farm, upholding an owned-vehicle UM exclusion clause in two automobile insurance policies covering vehicles not involved in the accident. value of damaged property; b. Homeowners insurance endorsements allow you to customize your coverage based on your needs. Unless you’re Nostradamus, it’s impossible to predict what the exact cost will be to replace your home in the future. If no definition of "fungus" is included in the coverage form, theState Farm General Insurance Company ADDITIONAL REMARKS AGENCY CUSTOMER ID: LOC g: ADDITIONAL REMARKS SCHEDULE NAVE o 08/17/2021. A standard replacement cost policy would pay out $300,000, but you’d have to pay $100,000 of your own money to build the house the way it was before the disaster. Traditionally, insurers used only endorsement CG 22 43—"Exclusion—Engineers, Architects or Surveyors Professional Liability. 's Reply (#19) at 5 (emphasis. Minor Traditional or Roth Individual Retirement Account Application. Loss assessment coverage can help prevent a condo owner from paying out of pocket if their condo association issues a special assessment for expenses related to an insurance claim outside the walls of their unit. Title: AMENDATORY ENDORSEMENT (Alaska) Author: an1h. you, including noninsurance pro- d-ucts or services, to vary. Homeowners insurance is not only desired, but in many cases, required by your. are a member, em-ployee. The revised endorsements amend Part E – Duties After An Accident Or Loss – Filing A Claim and Part F – General Provisions. We'll help you find car insurance that works for you. WC 00 01 04A. A defect is a reason why an application for the registration of an interest in land cannot be registered, as determined by an Examiner of Title. Traditional and Roth IRA Account Application. As a reminder, we will continue to include $1,000 of coverage on legally owned marijuana under Farm policies when Amendatory Endorsement M2902F applies. The Amendatory Clause and Real Estate Certification require signatures from all involved parties, including buyers, sellers, listing agents, and selling agents. On appeal, the Spanglers argue that because the Policy de-fines “uninsured motor vehicle” as a “land motor vehicle,” the plain and ordinary meaning of the term land motor vehicle“ ” dic-tates the scope of the Policy, and under the plain and ordinaryA, at p. state the effective date of cancellation. HO 06 52 Home-Sharing Host Activities Amendatory Endorsement. Your policy is amended by revising provision 2 under Section 4 – Exclusions in PARTMember FDIC. Under Exclusions, Exclusions That Apply To Bodily Injury And/Or Property Damage, item 12. 11 - Required amendatory endorsements (a) For all policies providing automobile physical damage coverage issued on or after June 1, 1991, or renewed on or after July 1, 1991, insurers may adopt any one of the following procedures: 1. Endorsement No. First, State Farm satisfied section 627. Federal Employers' Liability Act Coverage Endorsement INSTRUCTIONS. 2 Windstorm or Hail Deductible Endorsement KS RDP FE -5269. 1989) (finding that, where an insurance policy broadly defined motor vehicle, a moped was a motor vehicle despite that the state's “financial responsibility law” excluded mopeds from its definition of motor vehicle, reasoning that an insurer may offer “broader coverage. The . or by an organization that has entered into an agreement. Subject Considered: Revision of Texas Standard Provision For Automobile Policies Editions of April 1, 1955 and October 1, 1966 -- Amendatory Endorsement - Notice. except for residence employees and insured farm employees (when endorsement HO 24 73 is attached). $1 Million per claim / $1 Million annual aggregate. e. State Farm offers several property insurance products, including home, renters, condo, rental property, manufactured home, farm, ranch, and personal articles. State Farm Lloyds X Texas Farmers Insurance Company X Allstate Texas Lloyds X United Services Automobile Association X. State Farm Group – 2018 Market Share: 19. Endorsements typically add protection for circumstances in which a typical policy excludes or limits coverage. Imagine you’re in an accident. State Farm. is deleted and replaced by the following: 12. The GENERAL PROVISIONS, RENEWAL OF THIS POLICY is deleted and replaced with the following:The definitions added in this endorsement are in bold print. DEFINITIONS A. Incidental Motorized Vehicle Coverage Amendatory Endorsement. State Farm ® Recreational Vehicle. Make sure that you save the inventory to your desktop. The Amendatory Endorsement changes the UM coverage section's additional definition of "uninsured motor vehicle" by eliminating the second exclusion, but it retains the "designed for use primarily off public roads except while on public roads" exclusion identified above. and that Exclusion 2. The endorsement said that the definition of a "non-owned car" was changed to read "a car not owned by or registered or leased in State Farm Compa-nies. (Doc. Rides can be arranged in advance or on short notice. This is a little more than the national average of $1,754 per year. Plaintiff asserts the Amendatory Endorsement "targets only the ‘exclusion’ for vehicles ‘furnished for the regular use’ of the insured but not the exception [on which she relies] to that exclusion. the premium or price for other products or services purchased by . 189 823. They give you control of your coverage so you can customize the policy to your needs. Appraisal. Small businesses also can purchase a similar amendatory endorsement to their businessowners insurance policy. 1) to the policy. So, aim to purchase an amount of coverage at least equal to the. The declaration page stated the policy was subject to Amendatory Endorsement 6128AP. This endorsement opens with a stern warning about driving in Mexico. English. State Farm Payment Plan and Auto bills: Locate your current bill's 10-digit key code in the bottom portion of page 1, in the "Please fold and tear here" section, and under "Call your Agent. (a) For purposes of this section, "insurer" means an insurance company, reciprocal or interinsurance exchange, mutual insurance company, capital stock company, county mutual insurance company, Lloyd's plan, or other legal entity authorized to write personal automobile. This endorsement is a part of the policy. has with an organization of which . Tradutor . 56-5646: Farmers Smart Plan Home Program. The Court concludes on this record that the Amendatory Endorsement relates only to Exclusion 2. It's unclear if 6015j is also still included. AT YOUR REQUEST, A VEHICLE TO WHICH THIS ENDORSEMENT APPLIES DOES NOT QUALIFY AS A YOUR CARIN THE COVERAGES REPRESENTED BY THE COVERAGE SYMBOLS LISTED FOLLOWING. Good coverage, great value, lots of banking and insurance products too boot. Allstate earned 88 out of 100 for their overall customer service, based on MoneyGeek’s internal rankings. 00 debris removal orWhat sets State Farm® Boat Insurance apart. you have not previously received a credit or payment under the ClaimSatisfaction Guarantee Premium Credit provision in connection with that covered loss;Vacant land, other than farm land, owned by or rented to an "insured"; f. R. An endorsement can add, remove, or change the coverage in the policy. The following endorsement changes your policy. Only the policy forms and amendatory endorsements that an insurance company requires its policyholders to have are available on this page. state of florida 4050 esplande way suite 315 tallahassee, fl 32399-0950. An endorsement may affect insurance premiums, and premiums may change as a result. " Pl. The following steps are typically taken when filing a claim for depreciation on a homeowner's insurance policy: Consider enlisting a highly skilled property damage insurance attorney to assist you with your case. a unambiguously excludes UIM coverage for Plaintiff's claim. Competing with State Farm, got auto & home beat but working on umbrella now. The following is added: Actual Cash Value means the least of the: a.