GERMANY AUTO POLICY
for Policy #: EUSA 097470246 7101
AUT5200GER(2) 08-23 132561
Page 4 of 24
AGREEMENT
In return for payment of the premium and subject to all the terms of this policy, we will provide the coverages and limits of liability for
which a premium is shown on the Declarations. The USAA S.A. policy is written in English.
DEFINITIONS
The words defined below are used throughout this policy. They are in boldface when used.
A. "You" and "your" refer to the "named insured" shown on the Declarations and spouse or registered civil partner if a resident of the
same household.
B. "We," "us" and "our" refer to the Company providing this insurance.
C. "Auto business" means the business of altering, customizing, leasing, parking, repairing, road testing, delivering, selling, servicing,
towing, repossessing or storing vehicles.
D. "Bodily injury" (referred to as BI).
1. "Bodily injury" means bodily harm, sickness, disease or death.
2. "Bodily injury" does not include mental injuries such as emotional distress, mental anguish, humiliation, mental distress or any
similar injury unless it arises out of physical injury to some person.
E. "Cohabitant" means one unmarried adult residing primarily in your household with whom you share a mutually committed personal
and financial relationship intended to last indefinitely for the purpose of a domestic life. Both persons must be 18 years of age or
older and may not be related to each other by blood. Neither may be married to another person or be a cohabitant or partner by
civil union or domestic partnership with any other person.
F. "Driving contest or challenge" includes but is not limited to:
1. A competition against other people, vehicles or time; or
2. An activity that challenges the speed or handling characteristics of a vehicle or improves or demonstrates driving skills, provided
the activity occurs on a track or course that is closed from non-participants.
3. Driving on the Nurburgring Nordschleife.
G. "Family member" means a person related to you by blood, marriage, registered civil partnership or adoption who resides primarily in
your household. A family member includes the following when residing primarily in your household: a ward, foster child, cohabitant
and your cohabitant’s dependent children.
H. "Fungi" means any type or form of fungi, including mold or mildew, and includes any mycotoxins, spores, scents, or byproducts
produced or released by fungi.
I. "Miscellaneous vehicle" means the following motorized vehicles: motor home, golf cart, snowmobile, all-terrain vehicle or dune buggy.
J. "Motorcycle" means a two- or three-wheeled motor vehicle that is subject to motor vehicle licensing in the location where the
motorcycle is principally garaged.
K. "Motor vehicle" means:
1. A private passenger auto, pickup or van;
2. A motorcycle that is not used in any business or occupation, but only if a motorcycle is shown on the current Declarations.
L. "Newly acquired vehicle."
1. "Newly acquired vehicle" means a motor vehicle or trailer, not insured under another policy, that is acquired by you or any family
member during the policy period.
2. We will automatically provide for the newly acquired vehicle the broadest coverages as are provided for any vehicle shown on the
Declarations. If your policy does not provide Comprehensive Coverage or Collision Coverage, we will automatically provide these
coverages for the newly acquired vehicle subject to a $500 deductible for each loss.
3. Any automatic provision of coverage under paragraph L.2 will apply for up to 30 days after the date you or any family member
becomes the owner of the newly acquired vehicle. If you wish to continue coverage for the newly acquired vehicle beyond this
30-day period, you must request it during this 30-day period, and we must agree to provide the coverage you request for this
vehicle. If you request coverage after this 30-day period, any coverage that we agree to provide will be effective at the date and
time of your request unless we agree to an earlier date.