Legal Document: DIRECT GENERAL INSURANCE COMPANY vs. LITTLE, RODNEY

On November 14, 2022 a was filed involving a dispute between Direct General Insurance Company, and Little, Rodney, for CIRCUIT CIVIL in the District Court of Osceola County.

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Filing # 173303633 E-Filed 05/16/2023 05:49:05 PM

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04/19/2023
Farooq Aziz 08:53 AM EDT

Florida

Hillsborough

19th April

04/19/2023
Charlene Brunswick 08:54 AM EDT

Charlene Brunswick

Online Notary Public. This notarial act involved the
use of online audio/video communication technology.

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Policy Number: Date of Notice
8395 12/20/2020 07:34 AM
PO Box 3199 ● Winston Salem, NC 27102-3199 Named Insured:
RODNEY LITTLE

RODNEY LITTLE Policy Period:
1983 FORTUNE RD LOT A-30 12/20/2020 - 12/20/2021
KISSIMMEE, FL 34744 Policy Underwritten by:
Direct General Insurance
Company
24 Hour Claim Reporting: 1-800-325-1088
For Policy Information: 1-855-474-2847
www.NationalGeneral.com

FL RECREATIONAL VEHICLE DECLARATIONS PAGE
New Business Effective 12/20/2020 07:35 AM

Drivers and Household Residents
#1 Rodney Little
Driver Status License # Lic. State Date of Birth Gender Marital Status Driver Pts Yrs. Lic.
Rated Driver KS /1966 Male Single 8 37

Insured Recreational Vehicle(s) and Schedule of Coverages
#1 2004 GEOR Other VIN: 1F6NF53S040A05514-MM5858
Usage: Pleasure Actual Cash Value: $17,642
Garaging Location: 34744
Coverages Provided Limits/Deductibles Premium
Bodily Injury $100,000 Each Person / $300,000 Each Accident $328.00
Property Damage $50,000 Each Accident $160.00
Medical Payments $2,000 Each Person / Each Accident $43.00
Uninsured Motorist Bodily Injury - Stacked $100,000 Each Person / $300,000 Each Accident $238.00
Personal Injury Protection $10,000 $77.00
Other Than Collision $500 Deductible $647.00
Broadened
Collision $500 Deductible $355.00
Personal Effects $3,000 Included
Full Time Protection $100,000 Each Person / $300,000 Each Accident $117.00
RV Emergency Expense $750 Each Accident Included
RV Depreciation Free Claims Included
Pet Protection $1000 Each Accident / $3000 Each Term Included
Tow Bar / Tow Dolly $2000 Each Accident Included
Total For This Vehicle $1,965.00

10039FL (07012019) Page 1 of 2

Exhibit "A"
Premium and Fee Totals
Combined Vehicle Coverage Premium $1,965.00
Installment Underwriting Fee $10.00
Policy Fee $25.00
Total 12 Month Policy Premium $2,000.00

Discounts Applied
Policy Level
Good Sam Member Discount
Homeowner Discount
Paperless Discount
Vehicle Level
#1 Anti-lock Brakes Discount

Surcharges Applied
Vehicle Level
#1 Multiple RV Owner Surcharge

Important Notice
Online Policy Documents: Your policy form and coverage endorsements may be viewed by going to our website:
www.NationalGeneral.com. Click on the Policy Documents link at the top and enter your Policy Number and Last Name.

Additional Policy Information
Insured email: @gmail.com

Disclosure of Possible Additional Charges
The amounts below are authorized for use in this state. However, they are only charged if they apply to your policy.
FR Filing Charge $25.00
Late Charge $10.00
Nonsufficient Funds Charge $15.00
Reinstatement Charge $10.00

Forms and Endorsements
Form Edition Form Name
04084 07012019 PERSONAL EFFECTS FOR RV COVERAGE
04117 07012019 FULL TIME PROTECTION COVERAGE
11872 07012019 RV PARTIAL LOSS DEPRECIATION FREE CLAIMS COVERAGE
12448 07012019 PERSONAL INJURY PROTECTION COVERAGE - FLORIDA
12353 07012019 RECREATIONAL VEHICLE POLICY

Authorized Signature

10039FL (07012019) Page 2 of 2
Direct General Insurance Company
This Endorsement Applies Only If
Form Number 04084 (07012019) Appears on the Declarations Page.
THIS ENDORSEMENT CHANGES THE RECREATIONAL VEHICLE POLICY. PLEASE READ IT CAREFULLY.
PERSONAL EFFECTS COVERAGE

All the provisions of the Recreational Vehicle Policy apply except as modified by this endorsement.
Personal Effects Coverage applies only to the recreational vehicle for which the coverage and a limit of liability are
shown on the Declarations Page.

PART D > COVERAGE FOR DAMAGE TO YOUR 5. Riot or civil commotion;
RECREATIONAL VEHICLE
6. Malicious mischief and vandalism unless caused
The following section is added to PART D. by or at the direction of you, a family member
or any person in lawful possession or custody of
INSURING AGREEMENT – PERSONAL EFFECTS
the covered recreational vehicle;
COVERAGE
7. Missiles or objects falling from outside the
Subject to the limit of liability shown on the Declarations
covered recreational vehicle or forced landing
Page for Personal Effects Coverage, we will pay for loss
of aircraft. This does not include loss to
to personal effects when such loss is caused by a
personal effects inside the covered
covered peril. The loss must occur while the personal
recreational vehicle unless the exterior of the
effects are located:
covered recreational vehicle is first damaged
1. In the covered recreational vehicle; or by the falling object;
2. Outside or away from the covered recreational 8. Collision of the covered recreational vehicle
vehicle but only if the loss is caused directly by with another object outside the covered
a covered peril. recreational vehicle;
Personal Effects Coverage applies only if the covered 9. Volcanic eruption other than loss caused by
recreational vehicle is covered under Comprehensive earthquake, land shock waves or tremors;
Coverage.
10. Earth movement, meaning: earthquake,
ADDITIONAL DEFINITIONS – PART D > COVERAGE including land shock waves or tremors before,
FOR DAMAGE TO YOUR RECREATIONAL VEHICLE during or after a volcanic eruption; landslide;
mudflow; earth sinking, rising or shifting;
The following definitions are added:
11. Flood, including surface water, waves, tidal
“Covered peril” means one or more of the following
water, and overflow of a body of water;
perils:
12. Theft, including attempted theft, larceny,
1. Fire or lightning; damage limited to scorching is
robbery, burglary or pilferage, subject to the
not covered;
following conditions and limitations:
2. Explosion, smoke or smudge resulting from any
a. Special Limits:
sudden, unusual or unexpected event. This peril
does not include loss caused by smoke from These limits do not increase the personal
agricultural smudging or industrial operations; effects limit of liability shown on the
Declarations Page. The special limit for
3. Stranding; sinking; falling; burning; collision; or
each numbered category below is the most
derailment of any conveyance in or upon which
we will pay for each loss caused by theft for
the covered recreational vehicle is being
all personal effects in that category.
transported;
i. $300 in aggregate on bullion; gold, other
4. Windstorm or hail. This peril does not include
than goldware; silver, other than
loss to personal effects within the covered
silverware; platinum; coins; medals; and
recreational vehicle caused by rain, sleet or
other numismatic property or supplies.
snow unless the direct force of wind or hail
damages the covered recreational vehicle ii. $300 in aggregate on manuscripts;
causing an opening in the roof or wall and the passports; airline or other tickets;
rain, sleet or snow enters through this opening; stamps; and other philatelic property
and supplies.

Exhibit "B"
04084 (07012019) Page 1 of 3
iii. $1,500 on any one article and $3,500 in 3. Prepare an inventory of damaged personal
the aggregate, but in no event more effects, give the description and actual cash
than the limit of liability shown on the value.
Declarations Page for Personal Effects
4. Attach all bills, receipts and related documents.
Coverage, for jewelry; watches; fur
items, including items made partially 5. Allow us to inspect and appraise the damaged
from fur but for which fur represents the personal effects covered under Personal
principal value; gems; precious and Effects Coverage before their repair or disposal.
semi-precious stones; goldware;
silverware; pewterware; heirlooms; art, EXCLUSIONS
including but not limited to: paintings, With respect to personal effects covered under this
sculptures, drawings, etchings, endorsement, the EXCLUSIONS section of PART D is
ceramics, and china; and firearms, amended as follows:
including cases, scopes, holsters and
other accessories. Exclusion A.15. is deleted.

b. We will not pay for theft caused by you or The following exclusions are added to PART D and
any family member or by any person apply only to personal effects.
residing in, or in lawful possession of, the PLEASE READ THE EXCLUSIONS CAREFULLY. IF
covered recreational vehicle. ANY EXCLUSION APPLIES, COVERAGE WILL NOT
c. We may, at any time prior to the settlement BE PROVIDED FOR AN OCCURRENCE THAT
of the theft loss, return any stolen property OTHERWISE WOULD BE COVERED UNDER THIS
to you with payment for any damage which POLICY.
resulted from the theft. C. We will not pay for loss under Personal Effects
d. The peril of theft is subject to a deductible of Coverage to:
$50 per loss. 1. Watercraft, aircraft, utility trailers, recreational
“Personal effects” mean personal property belonging vehicles, and other self-propelled vehicles,
to you or any family member and used in, on, or in except vehicles not subject to motor vehicle
conjunction with the covered recreational vehicle. This registration that are designed for assisting the
does not include the covered recreational vehicle. handicapped;

Examples of property intended to be COVERED under 2. Property pertaining to a business of you or any
this endorsement are: family member, including merchandise for sale
or exhibition and salesperson’s samples;
1. Clothing, watches and jewelry;
3. Articles separately described and specifically
2. Cameras, radios, televisions, stereos and other insured in this or other insurance;
equipment used for the transmission or receiving
of sound or pictures; 4. Deeds, documents and records;

3. Guns, fishing equipment, sporting and vacation 5. Bills, money, bank cards, credit cards, fund
equipment; transfer cards, notes, securities or other
evidences of debt, including their theft or
4. Linens, dishes, glassware and cooking utensils; unauthorized use;
and
6. Property of guests, boarders or employees;
5. Foodstuffs, tools and furnishings not included as
part of the covered recreational vehicle. 7. Animals, birds or fish; or

ADDITIONAL DUTIES FOR PERSONAL EFFECTS 8. Personal effects while located in your primary
COVERAGE or permanent residence if other than the
covered recreational vehicle.
A person seeking coverage for damage or loss to
personal effects must also, in addition to the D. We will not pay for loss resulting in, arising out of, or
GENERAL DUTIES: related to, any of the following:

1. Notify the police within twenty-four (24) hours, or 1. Consequential damages;
as soon as practicable, after discovery of loss 2. The cost of recreating any records or
by theft or vandalism. documentation; or
2. Protect the personal effects from further 3. Business interruption.
damage. We will pay reasonable expenses
incurred to do this.

04084 (07012019) Page 2 of 3
LIMIT OF LIABILITY 2. Memorabilia, souvenirs, collectors’ items and
similar articles whose age or history contribute
The LIMIT OF LIABILITY section is replaced by the
to their value;
following:
3. Articles not maintained in good or workable
A. Our limit of liability for loss to personal effects, less
condition;
any applicable deductible, shall not exceed the
lowest of: 4. Articles that are outdated or obsolete and are
stored or not being used.
1. Replacement cost at the time of loss without
deduction for depreciation; F. When the full cost of repair or replacement is more
than $500, we will pay no more than the actual
2. The full cost of repair at the time of the loss;
cash value up to the limit of liability that applies to
3. The limit of liability that applies to personal the personal effects, until the actual repair or
effects as shown on the Declarations Page; or replacement is complete.
4. Any applicable special limits of liability stated in G. You may disregard the replacement cost loss
this endorsement. settlement provisions and make claim under this
endorsement for damage to personal effects on an
B. The most we will pay for loss to personal effects
actual cash value basis and then make claim within
outside or away from the covered recreational
180 days of the actual cash value payment for any
vehicle is 10% of the limit of liability shown on the
additional liability on a replacement cost basis. The
Declarations Page for Personal Effects Coverage.
repair or replacement must be completed within two
C. We will pay no more than $500 for personal effects (2) years of the date of loss.
that you do not own.
H. This endorsement does not cover, and we will not
D. In case of a loss to a pair, set or series, we may pay for, diminution in value for settlements based
elect to: on actual cash value.
1. Repair or replace any part to restore the pair, set OTHER SOURCES OF RECOVERY
or series to its value before the loss; or
The OTHER SOURCES OF RECOVERY section is
2. Pay the difference between the fair market value replaced by the following:
of the property before and after the loss.
If a loss to personal effects is covered by other
E. The property listed below is not eligible for insurance under this Policy, we will provide the highest
replacement cost loss settlement. Any loss will be limits and broadest coverage available under this Policy
settled at the actual cash value of the property at to the personal effects sustaining loss. If there is other
the time of the loss but not more than the amount applicable insurance that covers loss to your personal
required to repair or replace: effects, this Policy will be excess. If there is other
applicable insurance on an excess basis, we will pay
1. Antiques, fine arts, paintings and similar articles only our share of the loss. Our share is the proportion
of rarity or antiquity which cannot be replaced; that our limit of liability bears to the total of all applicable
limits.

04084 (07012019) Page 3 of 3
Direct General Insurance Company
This Endorsement Applies Only If
Form Number 04117 (07012019) Appears on the Declarations Page.
THIS ENDORSEMENT CHANGES THE RECREATIONAL VEHICLE POLICY. PLEASE READ IT CAREFULLY.
FULL TIME PROTECTION COVERAGE

All the provisions of the Recreational Vehicle Policy apply except as modified by this endorsement.
Full Time Protection Coverage applies only to the recreational vehicle for which the coverage and specific premium are
shown on the Declarations Page.
INSURING AGREEMENT - FULL TIME PROTECTION which does not exceed our limit of liability for this
PERSONAL LIABILITY COVERAGE coverage.
A. Subject to the limit of liability shown on the 3. Reasonable loss of earnings, up to $200 per day,
Declarations Page, if you pay us the premium for that is incurred by an insured due to attendance at
Full Time Protection Coverage, we will pay hearings, proceedings, or trials at our request. The
compensatory damages for which an insured is insured must make a written request for loss of
legally liable due to bodily injury or property earnings and provide written proof of such loss.
damage caused by an occurrence that arises out of
4. Other reasonable expenses incurred at our request.
the ownership, maintenance or use of a
recreational vehicle covered under this 5. We will pay expenses up to $1,000 per occurrence
endorsement. Damages include pre-judgment for first aid to others incurred by an insured for
interest awarded against the insured subject to our bodily injury covered under this endorsement. We
limit of liability for this coverage. Damages do not will not pay for first aid to you or any other insured.
include punitive or exemplary damages.
6. We will pay at replacement cost for property
B. This coverage applies only if the recreational damage to property of others caused by an
vehicle is being used as your primary residence at insured. We will pay up to $500 per occurrence.
the time of the occurrence. We will settle or defend,
as we consider appropriate, any claim or suit asking We will not pay for property damage:
for these damages. If we defend, we will choose the a. To property covered under this Policy;
counsel of our choice which may include an in-
house counsel. In addition to our limit of liability, we b. Caused intentionally by an insured who is
will pay all defense costs we incur. Our duty to settle thirteen (13) years of age or older;
or defend ends when our limit of liability for this c. To property owned by, or rented to, any
coverage has been exhausted by payment of insured, a tenant of any insured or someone
judgments or by settlement. We have no duty to: who resides in your household; or
1. Defend any suit; d. Arising out of:
2. Settle any claim; or i. A business engaged in by any insured;
3. Pay any judgment; ii. Any act or omission in connection with a
for bodily injury or property damage not covered premises owned, rented or controlled by any
under this Policy. insured other than the described
premises; or
SUPPLEMENTARY PAYMENTS
iii. The ownership, maintenance, or use of
Unless paid pursuant to another coverage provided in aircraft, watercraft, motor vehicles or all
this Policy, we will pay, in addition to our limit of liability: other motorized land conveyances.
1. Premiums on appeal bonds and bonds to release This exclusion (6.d.iii.) does not apply to a
attachments in any suit we defend and we choose to motorized land conveyance designed for
appeal. We have no duty to: recreational use off public roads, not subject
to motor vehicle registration and not owned
a. Apply for or furnish any bond; or
by an insured.
b. Pay premium on any bond in an amount
We will not pay for loss of use of the damaged
exceeding our limit of liability.
property.
2. Interest accruing after a judgment is entered in any
A person seeking payment for property damage to
suit we defend on that portion of the judgment that is
property of others must also, in addition to the
within our limit of liability. Our duty to pay interest
GENERAL DUTIES:
ends when we offer to pay that part of the judgment

04117 (07012019) Page 1 of 9
a. Submit to us within sixty (60) days after the 4. Published sources of medical expense
loss, a sworn statement of loss; and information.
b. Permit us to inspect and appraise all loss D. We may refuse to pay for:
covered under property damage to property of
1. Any portion of a medical expense that is
others before the repair or disposal if the
unreasonable because the fee for the service is
property if in the insured’s control.
greater than the usual and customary charge;
INSURING AGREEMENT – FULL TIME PROTECTION and/or
MEDICAL PAYMENTS COVERAGE
2. Any medical expense because the service
A. If you pay us the premium for Full Time Protection rendered is unnecessary for the treatment of the
Coverage, we will pay medical expenses and bodily injury sustained.
funeral service expenses arising out of bodily
E. We may refuse to pay for any medical services that
injury:
are not provided and prescribed by a medical
1. Caused by an occurrence; provider licensed by the state and acting within the
scope of that license.
2. Sustained by a person other than you, a family
member or any other person under the age of F. We will not pay for any portion of a medical
twenty-one (21) who is in your care or a family expense that exceeds the amount that the medical
member’s care; and provider charges to patients who do not have
insurance.
3. Arising out of the ownership, maintenance or
use of the recreational vehicle covered under G. We have the right to make payment directly to a
this endorsement while being used as a primary provider of necessary medical expenses and
residence. funeral service expenses.
Full Time Protection Medical Payments Coverage for ADDITIONAL DEFINITIONS – FULL TIME
occurrences does not apply to you, any family PROTECTION COVERAGE
member, or any other person under the age of
The following definitions are added to your Policy:
twenty-one (21) who is in your care or a family
member’s care. “Described premises” means:
We will pay only those medical expenses and 1. The recreational vehicle to which this coverage
funeral service expenses incurred within three (3) applies while in use as a dwelling; and
years from the date of the occurrence.
2. The land upon which the recreational vehicle
B. The bodily injury must occur while the injured rests while parked, including such immediately
person is: adjacent areas as are under your exclusive
control.
1. On the described premises with the permission
of an insured; or “Insured” means:
2. Off the described premises if the bodily 1. You and any family member. This also includes
injury: any other person under the age of twenty-one
(21) who is in your care or a family member’s
a. Arises out of a condition on the described
care.
premises;
2. Residence employee while engaged in your
b. Is caused by the activities of any insured; or
employment or a family member’s
c. Is caused by a residence employee in the employment.
course of the residence employee’s
3. With respect to animals or watercraft to which
employment by any insured.
this Policy applies, any person or organization
C. We have the right to review the medical expenses legally responsible for these animals or
to determine if they are reasonable and necessary watercraft which are owned by you or any
for diagnosis and treatment of bodily injury. We person in 1. above. A person or organization
may use independent sources of information using or having custody of these animals or
selected by us to assist us in determining if any watercraft in the course of any business or
medical expense is reasonable and necessary. without the owner’s permission is not an
These sources may include, but are not limited to: insured.
1. Physical exams paid for by us and performed by “Insured location” means:
physicians we select;
1. The described premises;
2. Review of medical files;
2. Any part of a premise:
3. Computer databases; or

04117 (07012019) Page 2 of 9
a. Not owned by you or any family member; “Pollutants” means any solid, liquid, gaseous or
and thermal irritant or contaminant, in any form, including,
but not limited to: lead; asbestos; formaldehyde; radon;
b. Where you or any family member are
or any controlled chemical substance or any other
temporarily residing;
substance listed as a hazardous substance by any
3. Vacant land, other than farm land, owned by or governmental agency. Pollutants also include smoke
rented to you or any family member; or vapor; soot; fumes; acid; alkalis; chemicals; garbage;
refuse; and waste. Waste includes materials to be
4. Any part of a premise occasionally rented to you
recycled, reconditioned or reclaimed.
or any family member for other than business
use. “Residence employee” means an employee of any
named insured who performs duties in connection with
“Medical expense” and “medical expenses” mean the
the maintenance or use of the described premises,
usual and customary charges for reasonable and
including household or domestic services, or who
necessary:
performs duties elsewhere of a similar nature not in
1. Services, treatment, procedures and products connection with your business or that of any family
provided by a state licensed health care member.
provider;
“Usual and customary charge” means the fees, costs
2. Medications, orthopedic and prosthetic devices, or charges we determine that represents a common and
eyeglasses, hearing aids and other medical typical charge for services in the geographical area in
supplies when prescribed by a state licensed which the service is rendered. We may determine the
health care provider; and usual and customary charge by using independent
sources of our choice.
3. Services, treatment, procedures and products
provided by a state licensed health care provider EXCLUSIONS
for physical therapy, vocational rehabilitation,
PLEASE READ THE EXCLUSIONS CAREFULLY. IF
occupational therapy and speech pathology and
ANY EXCLUSION APPLIES, COVERAGE WILL NOT
audiology.
BE PROVIDED FOR AN OCCURRENCE THAT
“Medical expense” and “medical expenses” do not OTHERWISE WOULD BE COVERED UNDER THIS
include any fees, costs or charges for: POLICY.
1. Massage therapy not prescribed by a state We do not provide Full Time Protection Coverage for,
licensed doctor of chiropractic; nor do we have a duty to defend, for:
2. Treatment, services, products, or procedures 1. Bodily injury or property damage:
that are:
a. Caused intentionally by, or at the direction of, an
a. Experimental or for research; or insured; or
b. Not commonly and customarily recognized b. That is, or should be, reasonably expected to
in the medical profession in the United result from an intentional act of an insured;
States as customary treatment for bodily
even if the actual bodily injury or property damage
injury;
that results is different than that which was intended.
3. Thermography, acupuncture or other related This includes willful acts that are the result of an
procedures of similar nature; or insured’s improper conduct. However, this
exclusion does not apply to bodily injury resulting
4. The purchase or rental of equipment not from the use of reasonable force by an insured to
primarily designed to serve a medical purpose. protect persons or property.
“Occurrence” means: 2. Bodily injury to an insured.
1. A sudden, unexpected and unintended event; or 3. Bodily injury or property damage arising out of the
2. A continuous or repeated exposure to course of employment or business pursuits of an
substantially the same general harmful insured.
conditions which results, during the policy 4. Bodily injury or property damage arising out of the
period, in bodily injury or property damage. rendering of, or failure to render, professional
An occurrence does not include an auto accident services.
involving or related to a recreational vehicle or 5. Bodily injury or property damage arising out of or
utility trailer. occurring at a premises:
“Personal effects” means personal property belonging a. Owned by an insured;
to you or any family member but does not include any
personal property permanently attached to the b. Rented to an insured; or
recreational vehicle. c. Rented to others by an insured;
04117 (07012019) Page 3 of 9
that is not an insured location. b. With inboard or inboard-outdrive motor power of
more than 50 horsepower rented to an insured;
6. Bodily injury or property damage arising out of:
c. That is a sailing vessel, with or without auxiliary
a. The ownership, maintenance, use, loading or
power, 26 feet or more in length owned by or
unloading of motor vehicles or all other
rented to an insured; or
motorized land conveyances, including utility
trailers: d. Powered by one or more outboard motors with
more than 25 total horsepower if the outboard
i. Owned by;
motor is owned by an insured.
ii. Operated by;
8. Bodily injury or property damage arising out of:
iii. Rented to; or
a. The ownership, maintenance, use, loading or
iv. Loaned to; unloading of an aircraft;
an insured; b. The entrustment by an insured of an aircraft to
any person; or
b. The entrustment by an insured of a motor
vehicle or any other motorized land conveyance c. Vicarious liability, whether or not statutorily
to any person; or imposed, for the actions of a child or minor using
an aircraft.
c. Vicarious liability, whether or not statutorily
imposed, for the actions of a child or minor using An aircraft means any contrivance used or designed
a conveyance excluded in 6.a. or 6.b. above. for flight, except model or hobby aircraft not used or
designed to carry people or cargo.
This exclusion (6) does not apply to:
Exclusions 5, 6, 7 and 8 do not apply to bodily injury to
a. The recreational vehicle to which this coverage
a residence employee arising out of, and in the course
applies.
of, the residence employee’s employment by an
b. A utility trailer not towed by or carried on a insured.
motorized land conveyance.
9. Bodily injury or property damage caused by or
c. A motorized land conveyance: any consequence of:
i. Designed for recreational use off public a. War, whether declared or undeclared;
roads;
b. Civil war;
ii. Not subject to motor vehicle registration;
c. Insurrection;
iii. Owned by an insured; and
d. Rebellion or revolution;
iv. On the described premises.
e. Radioactive contamination; or
d. A motorized golf cart when used to play golf on
f. Nuclear reaction or radiation, whether controlled
a golf course or when used by an insured on
or uncontrolled or however caused.
the insured location.
10. Bodily injury which arises out of the transmission of
e. A vehicle or conveyance not subject to motor
a medically defined communicable disease to any
vehicle registration which is:
person by an insured. However, this exclusion does
i. Used to service an insured’s described not apply when there is a causal connection
premises; between a covered loss and the transmission of a
communicable disease.
ii. Designed for assisting the handicapped; or
11. Your share of any loss assessment charged against
iii. In dead storage on a described premises. you by any property association, ownership
7. Bodily injury or property damage arising out of: association, corporation of property owners or
community of property owners, to which you belong
a. The ownership, maintenance, use, loading or as a member and such loss assessment arises out
unloading of watercraft described below; of any payment by settlement, judgment or
b. The entrustment by an insured of a watercraft otherwise of any bodily injury or property damage
described below to any person; or by the assessing entity.
c. Vicarious liability, whether or not statutorily 12. Liability assumed under any contract or agreement.
imposed, for the actions of a child or minor using However, this exclusion does not apply to written
a watercraft described below. contracts:
Watercraft: a. That directly relate to the ownership,
maintenance or use of a described premises;
a. With inboard or inboard-outdrive motor power or
owned by an insured;
04117 (07012019) Page 4 of 9
b. Where the liability of others is assumed by the 19. Bodily injury or property damage arising out of
insured prior to an occurrence unless excluded any loss, cost, or expense relating to pollutant
elsewhere in the Policy. testing; monitoring; cleanup; removal; containment;
treatment; detoxification; neutralization; remediation;
13. Property damage to property:
or in any way responding to or assessing the effects
a. Owned by; of pollutants, as the result of:
b. Rented to; a. Any governmental directive or request; or
c. Transported by: b. Any claim or lawsuit by or on behalf of a
governmental authorit

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Document for DIRECT GENERAL INSURANCE COMPANY vs. LITTLE, RODNEY

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