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A.B.A.T.E.
American
Bikers Aimed Toward Education
Nation
Safe Drivers Enrollment Application
Travel
Benefits including Accidental Death and
Dismemberment Coverage
Designed
with motorcycles in mind because it does not
exclude two wheel vehicles.
Your benefit
selection amounts are shown below.
Coverage A:
Accidental Death & Dismemberment
Hazards Insured
Against
24 Hour
Business & Pleasure Travel
Principal Sum
Amount $3,000.00
Policy
Exclusions/Limitations will apply
Total limit of
Liability - The payment may not exceed $3,000.00
per Accident.
We will not pay
for any loss as a result of:
- Suicide
while sane or insane or intentional self
inflicted injury
- Sickness
disease or bacterial infection of any
kind, except:
those for which provisions may have been
made in section III, Benefits;
or those which occur as a result of
accidental ingestion;
or pus forming infections which occur
through an accidental bodily injury;
- war or any
act of war, whether war is declared or
not:
- serving in
one of the armed forces of any country or
international authority; Note: if you
become a member of such armed forces
during the policy term, upon receipt of
written notice, we will refund pro rata
the unearned premium.
- riding as
a passenger or otherwise in any flying
device: other than as provided in section
II, Coverage
owned by the policyholder other than as
provided in the master policy:
operated by the policyholder other than
as provided in the master policy:
not having a valid and current Standard
Airworthiness Certificate issued by the
proper authority:
whose pilot is not properly licensed:
or on a flight which requires a special
waiver or permit from the authority over
civil aviation even though granted: Note:
A permit which is given to fly over land
or on a territory is not a special
permit:
your own felonious act or attempt of such
an act, or the taking part in any illegal
occupation:
your being legally intoxicated as defined
by the laws of the state or governing
territory in which the loss occurs:
or your being under the influence of any
narcotic drug unless taken on the advice
of a physician
Certificate
Provisions
- Notice
of Claim: Written notice
of claim must be given to us within 20
days after a covered loss occurs or
begins. If such notice cannot be given
during such time then it must be done as
soon as reasonably possible. The notice
must include your name, the policyholdres
name and policy number. It should be sent
to us in care of: National Accident
Insurance Underwriters Inc. 85 West
Algonquin Rd. Arlington Heights, Illinois
60005, or to one of our agents.
- Claim
Forms: When we receive
written notice of claim, we will send the
claimant forms for filing proof of loss
within 15 days. If we don't, written
proof of loss may be met by you or the
beneficiary by sending us written proof
as described below.
- Written
Proof of Loss:
Proof of loss must describe the incident,
the extent and type of loss for death
claims proof of loss means certified
copies of the death certificate, autopsy
if performed, Coroner , Medical Examiner
or Justice of the Peace reports. Police
Motor Vehicle Accident Reports or police
incident Report, if applicable are also
proof of loss documents.
Written proof of loss must be sent us at
the address shown above , or to one of
our agents. If the claim is for a
continuing loss for which we make
periodic payments, the claimant must give
us written proof of loss within 90 days
after the end of each period that
benefits are payable. For any other loss,
written proof must be given to within 90
days after the date of loss.
If proof of loss cannot be given in the
required time, then it must be done as
soon as reasonably possible. Except in
the absence of legal capacity the
claimant must give written proof within
one year of the time otherwise required.
- Time
of Payment of Claims: We will pay any
benefits due within 30 days we receive
written proof of loss. Benefits that
provide for periodic payments will be
paid monthly.
- Payment
of Claims: We will pay
death benefits to the beneficiary
designated by you and on file with the
holder of beneficiary records. If a
beneficiary has not been designated,
death benefits will be paid to your
estate. All other benefits will be paid
to you except for medical benefits (if
applicable.) These may be paid to the
provider of medical services. Note: Any
payment we make in good faith will end
our liability to the extent of the
payment.
- Physical
Examination and Autopsy:
We have the right to have you examined by
a physician of our choice. This may be
done as often as reasonably necessary
while a claim is pending or while we are
paying benefits. We may also have an
autopsy made unless the law forbids it.We
will pay the cost of both the exam and
autopsy.
- Legal
Actions: No legal action
may be brought to recover on this policy
within 60 days after written proof of
loss has been given as required by the
policy.No such action may be brought
after 3 years from the time written proof
of loss is required to be given.
- Beneficiary
Designation and Change: You may choose
one or more beneficiaries. We will
furnish forms for this use. Such forms
shall be filed with the holder of the
beneficiary records as shown in section
I. You may change beneficiaries at any
time. The beneficiaries consent is not
required unless an irrevocable
beneficiary has been named. The change
will be effective only upon receipt by
the holder and it will take effect on the
date you sign it. Any payment made by us
in good faith prior to our receipt of any
beneficiary change will end our liability
to the extent of such payment.
- Termination
Date of Individual Insurance: Your insurance
shall terminate at 12:01 am on the next
premium due date immediately following
the first occur of: 1. The date you cease
to be an eligible person. 2. The date you
withdraw premium contribution authority:
or 3. the date the Policyholder fails to
pay, except for inadvertent error, the
required premium. Note: Any claim that
occurs prior to this termination will not
be affected.
- Conformity
With State Statutes: Any provision of
this policy which on it's effective date
is in conflict with the laws of the state
where the policy is issued, is amended to
meet those laws.
This
Certificate is intended to describe the coverage
and benefits provided by the policy. The coverage
or benefits shown herein may be changed or
cancelled in accordance with the provisions of
the policy. This may be done as a result of 1. a
change in eligibility of the insured; or 2.
amendment or termination of the policy. The
policy is on file with the Policyholder. it may
be inspected by you at any time during business
hours at the office of the Policyholder.
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