Item M4 M.4
Coty f � ,�� ,' BOARD OF COUNTY COMMISSIONERS
�� Mayor David Rice,District 4
The Florida Keys � Mayor Pro Tem Craig Cates,District 1
y Michelle Coldiron,District 2
James K.Scholl,District 3
Ij Holly Merrill Raschein,District 5
County Commission Meeting
November 15, 2022
Agenda Item Number: M.4
Agenda Item Summary #11321
BULK ITEM: No DEPARTMENT: Planning/Environmental Resources
TIME APPROXIMATE: STAFF CONTACT: Michael Roberts (305) 289-2502
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AGENDA ITEM WORDING: Approval to enter into a contract with Terramar Environmental
Services, Inc. for $225,644.32 to provide professional mapping and consulting services for the
Update of the 2009 Geospatial Land Cover Mapping (habitat) dataset for the Florida Keys.
ITEM BACKGROUND:
This item is for approval to enter into a contract with Terramar Environmental Services, Inc.
"Terramar" shall provide the following Scope of Services:
A. Updates to the existing land cover classification described above to meet the needs of the
Planning & Environmental Resources Department utilizing the 2022 digital orthophotography
described in 1.04.
B. Perform quality control and quality assurance (including groundtruthing of digital
orthophotograph land cover signatures) to determine the accuracy of the final land cover
dataset. The quality control and quality assurance and cover and classification delineation
techniques will be summarized in a written report.
C. Tier Mapping. Consultant shall review existing Tier Overlay District maps and make
recommendations for revisions or amendments in accordance with Comprehensive Plan
Policy 106.1.1 and Monroe County Land Development Code Chapter 130-130 (c).Prior to
Monroe County processing updates to the Land Development Code Tier (Zoning) Overlay
District Map, the Consultant shall evaluate the listed threatened and endangered species (as
of 2022) and the criteria included in Policy 205.1.1 (Tier Overlay District designation
criteria)to determine if amendments are required to further protect and enhance native
upland vegetation.
D. Technical Support for Tier Development Review Committee. Consultant shall provide a
professional biologist familiar with the native vegetation and plant communities of the
Florida Keys to provide technical support to the County with the responsibility of tier
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designation review utilizing the criteria for tier placement and best available data to
recommend amendments to ensure implementation of and adherence to the Florida Keys
Carrying Capacity Study, Policy 106.1.1 and LDC Section 130-130(c).
E. Deliverables at a minimum shall include:
1. Habitat mapping: a GIS File Geodatabase containing the land cover dataset
compatible with ArcGIS 10.8.1 and ArcGIS Pro 2.7.2 or most recent version and
associated metadata file. The data will be in the NAD 1983 (2011) State Plane Florida
East coordinate system, in units of US Survey Feet.
2. A Final Report detailing changes in Land Cover by habitat type and reason for the
change (eg: development, mapping error, environmental conditions, etc). The Final
Report shall include a review of the QA/QC procedures and will address issues
encountered with polygon classification such as photo quality, signature variance or
misinterpretations of mapping units, etc.
3. Preliminary Tier Overlay District map amendment recommendations
4. Technical Support for up to six (6) TDRC meetings over a six month period.
The cost breakdown is as follows:
Subtask Deliverable Due Date Invoice Amount
1.3.1 Project Kickoff Meeting, Data&Imagery QA 11/23/2022 $20,667.88
1.3.2 Desktop Photointerpretation 5/10/2023 $40,828.02
1.3.3 Initial Fieldwork 6/21/2023 $34,529.50
1.3.4 Fieldwork QA 7/19/2023 $32,609.84
1.3.5 Final QA 8/24/2023 $19,222.04
1.3.6 Tier Mapping 8/24/2023 $15,323.36
1.3.7 TDRC Meetings 2/23/2024 $45,818.50
1.3.8 Final Report 4/8/2024 $16,645.18
Task Assignment Total $225,644.32
PREVIOUS RELEVANT BOCC ACTION:
06/15/22: Approval to advertise for professional mapping and consulting services for an Update of
the 2009 Geospatial Land Cover Mapping (habitat) dataset for the Florida Keys.
10/19/22: Approval to negotiate with top-ranked respondent Terramar Environmental Services, Inc.
for a contract to provide professional mapping and consulting services for the Update of the 2009
Geospatial Land Cover Mapping (habitat) dataset for the Florida Keys; if necessary, approval to
negotiate with next-ranked respondents until an agreement is reached.
CONTRACT/AGREEMENT CHANGES:
New Contract
STAFF RECOMMENDATION: Approval
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M.4
DOCUMENTATION:
Terramar LULC mappimg agreement- SIGNED w. Att B
Auto Insurance Declarations - Allstate Terramar Current thru April 2023
FINANCIAL IMPACT:
Effective Date: 11/15/22
Expiration Date: 04/30/2024
Total Dollar Value of Contract: $225,644.32
Total Cost to County: $225,644.32
Current Year Portion: NA
Budgeted: Yes
Source of Funds: 148-52000
CPI: No
Indirect Costs: NA
Estimated Ongoing Costs Not Included in above dollar amounts: NA
Revenue Producing: NO If yes, amount:
Grant: NO
County Match: No
Insurance Required: No
Additional Details:
11/15/22 148-52000 - ENVIRONMENTAL RESOURCES $225,644.32
REVIEWED BY:
Emily Schemper Completed 10/28/2022 1:08 PM
Christine Limbert Completed 10/31/2022 12:03 PM
Purchasing Completed 10/31/2022 1:06 PM
Budget and Finance Completed 10/31/2022 1:16 PM
Brian Bradley Completed 10/31/2022 1:38 PM
Lindsey Ballard Completed 10/31/2022 2:08 PM
Board of County Commissioners Pending 11/15/2022 9:00 AM
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MONROE COUNTY
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Updates of 2009 Geospatial Land Gayer Dataset and1
Overlay District Maps f6r the Florida Keys
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BOARD OF COUNTY COMMISSIONERS
Mayor David Rice, District 4
Mayor Pro Tern Craig Gees, District 1.
Michelle Col'.diron, District
James Scholl, District
Holly Merrill Raschn, .district
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Agreement for Update of 2009 Geospatro6 Land Cover Datrrset for the Florida Keys �
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MONROE COtJNT:Y
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CAST ACT
UPDATES OF 2009 GEO SPAT IAL LAND COVER DATASET AND TIER OVERLAY
DISTRICT MAPS FOR THE FLORIDA KEYS
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THIS AGREEMENT is made and entered into this l5th day of November, 2022 by MONROE W 1-
COUNTY ("COUNTY"), a political subdivision of the State of Florida, whose address is 110O M
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Simonton Street, Key West, Florida 33040 and Terrainar Environmental Services,
Inc.("CONSULTANT"), whose address, is 124.1 Crane Boulevard, Sugarloaf Key, F1, 33042.
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WHEREAS, the COUNTY issued its Request for Proposals RFP ("RFP-) pursuant to state and local
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law to solicit proposals to,prepare Updates Of 2009 Geospatial Land Cover Dataset And Tier Overlay U
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District Maps; and 0
WHEREAS, Consultant is a. professional qualified to render said services and has responded to the 0
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RFP by submitting its proposal in response to the RFP ("Proposal"), and
WHEREAS, the COUNTY desires to engage Consultant to provide such services to the COUNTY
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according to the terms and subject to the conditions set forth herein.
NOW, THEREFORE, for and in consideration of the mutual covenants and promises as hereinafter a
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set forth and of the faithful performance Of Such covenants and conditions, the COUNTY and Z
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CONSULTANT do hereby agree as follows:
Section I. SCOPE OF SERVICES
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CONSULTANT shall perform and carry out in a. professional and proper, n-ianner certain duties as
described in the Scope of Services — Exhibit A — which is attached hereto and nnade a part of this
agreement.
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CONSULTANT shall provide the scope of services, in Exhibit A for the COUNTY. CONSULTANT
warrants thatt it is authorized by law to engage in the performance of the activities herein described, E
subject to the terms and conditions set forth in these Agreenient documents, The CONSULTANT U
shall at all times exercise independent, professional judgment and shall assume professional
responsibility for the services to be provided. Consultant shall provide services using the following
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standards, as a minimum requirement:
A. The CONSULTANT shall maintain adequate staffing levels to provide the services
required under the Agreement resulting from this RFP process.
& The personnel shall not be employees of or have any contractual relationship with the E
County. To the extent that Consultant uses subConsultants or independent Consultants,
this Agreement specifically requires that subConsultants and independent Consultants
shall not be an employee of or have any contractual relationship with County,
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C. All personnel engaged in performing services under this Agreement shall
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be fully qualified, and, if required, to be authorized or permitted under State and local E
law to perform such services,
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Section 2. COUNTY'S RESPONSIBILITIES
2.1 The County will provide such data as is required by the Consultant and is mutually agreed
upon.
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2.2 The County will make payments as outlined in Section 4 of this Agreement, C
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Section 3. TERM OF AGREEMENT
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3.1 Except as noted below, this Agreement shall begin on the 23rd day of November, 2022 and
will conclude with delivery of the deliverables outlined in Section I of this Agreement,
which shall not be later than April 30", 2024. 0
Section 4. PAYMENT TO CONSULTANT
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4.1 Payment will be made according to the Deliverable Schedule attached as Exhibit B, and U
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according to the Florida Local Governnient Prorript Payment Act, Section 218,70, Florida 0
Statutes. The Provider shall submit to the County an invoice with supporting documentation
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in a form acceptable to the Clerk, Acceptability to the Clerk is based on generally accepted
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accounting principles and such laws,rules and regulations as i-nay govern the Clerk's disbursal
of funds, The Project.Manager will review the request, note his or her approval on the request
and forward it to the Clerk for payment.
42 Any extension of this Agreement beyond the term noted in Section 3 is contingent upon annual
appropriation by Monroe County. W
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Section 5. CONTRACT' TERM WATT"
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Either party may terminate this Agreement because of the failure of the other party to perform its E
obligations under the Agreement. COUNTY may terminate this Agreement with or without cause
upon thirty (30) clays' notice to the CONSULTANT. COUNTY shall pay CONSULTANT for work
performed through the date of termination. E
Section 6. CONSULTANT'S ACCEPTANCE OF CONDITIONS E
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A. CONSULTANT hereby agrees that he has carefully examined the RFP, his response, and this
Agreement and has made a determination that lie/she has the personnel, equipment, and other
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requirements suitable to perform this work and assumes full responsibility therefore. The
provisions of the Agreement shall control any inconsistent provisions contained in the
specifications. All specifications,have been read and carefully considered by CONSULTANT,
who understands the same and agrees to their sufficiency for the work to be done. Under no
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circumstances, conditions, or situations shall this Agreement be more strongly construed,
against COUNTY than against CONSULTANT.
B. Any ambiguity or uncertainty in the specifications shall not be construed against the drafter.
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C. The passing, approval, and/or acceptance by COUNTY of any of the services furnished by
CONSULTANT shall not operate as a waiver by COUNTY of strict compliance with the terms
of this Agreement, and specifications covering the services.
D. CONSULTANT agrees that County Administrator or his designated representatives may visit
CONSULTANT'S facility (ies)periodically to conduct randorn evaluations of services during
CONSULTANT'S normal business hours.
E. CONSULTANT has, and shall maintain throughout the term of this Agreement, appropriate E
licenses and approvals required to conduct its business, and will at all times conduct its 0
business activities in a reputable manner, Proof of such licenses and approvals shall be >
submitted to COUNTY upon request. W
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Section 7. NOTICES
Any notice required or permitted under this agreement shall be in writing and hand delivered or,
,,i 'led postage prepaid to the other party by certified mail, returned receipt requested., to the
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following:
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To the COUNTY: County Administrator, Mr. Roman Gastesi U
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1100 Simonton Street, Suite 205 0
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Key West, Florida 33040 >
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To the CONSULTANT TerramarEnvironnIental Services,, inc.
1241 Crane Blvd.
Sugarloaf Key, FL, 33042
Section 8. RECORDS W
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CONSULTANT shall maintain all books, records, and documents directly pertinent to performance
under this Agreement in accordance with generally accepted accounting principles consistently
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applied. Each party to this Agreement or their authorized representatives shall have reasonable and 0
timely access to such records of each other party to this Agreement for public records purposes during
the term of the agreement and for five (5) years following the termination of this Agreement. If an
auditor employed by the COUNTY or Clerk,determines that monies paid to CONSULTANTpurRiant E
to this Agreement were spent for purposes not authorized by this Agreement, the CONSULTANT
shall repay the monies together with interest calculated pursuant to Section 55,03 of the F.S.. running E
from the (late the monies were paid to Consultant. U
Section 9. EMPLOC VEES SUBJECT TO COUNTY ORDINANCE NOS. 010 AND 020-
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The CONSULTANT warrants that it has not employed, retained or otherwise had act on its behalf
any former County officer or employee subJect to the prohibition of Section 2 of Ordinance No. 0 10-
1990 or any Count), officer or employee in violation of Section 3 of Ordinance No. 020-1990, For
breach or violation of this provision the COUNTY may, in its discretion, terminate this agreement E
without liability and may also, in its discretion, deduct from the agreement or purchase price, or
otherwise recover the full amount of any fee, commission, percentage, gift, or consideration paid to
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the former County officer or employee.
Section 10. CONVICTED VENDOR .2
By signing this agreement, CONSULTANT represents that the execution of this Agreement will not
violate the Public Entities Crime Act (Section 287.133, Florida Statutes). Violation of this section
shall result in termination of this Agreement and recovery of all monies paid hereto, and may result E
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in debarment fi-orn County's competitive procurement activities. 0
A person or affiliate who has been placed on the convicted vendor list following a conviction for W
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public entity crime may not submit a bid on a Agreement with a public entity for the construction Or M
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repair of a public building or public work, may not perform work as a CONSUI.JANT, supplier,
subConsultant, or CONSUL]"'ANT under Agreement with any public entity, and may not transact
KlSineSS With afly public entity in excess of the threshold amount provided in Section 287.0 17 of the
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Florida Statutes, for the Category 'Two for a period of 36 months from the date ofbeing placed on the
convicted vendor list.
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Section 11. GOVERNING LAW, VENUE, INTERPRETATION, COSTS AND FEES U
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This Agreement shall be governed by and construed in accordance with the laws ofthe State off-'lorida
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applicable to Agreements rnade and to be performed entirely in the State,
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In the event that any cause of action or administrative proceeding is instituted for the enforcement or
interpretation of this Agreement, the COUNTY and CONS U[.1"ANTagree that venue shall lie in the T
appropriate Court or before tile appropriate administrative body in Monroe County, ]Florida.
Section 12. SEVERABILITY W
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If any term, covenant, condition or provision of this Agreement (or the application thereof to ally
circumstance or person) shall be declared invalid or unenforceable to any extent by a Court of
competent jurisdiction, the remaining terms, covenants, conditions and provisions of this Agreement,
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shall not be affected thereby; and each remaining term, covenant, condition and provision of this
Agreement shall be valid and shall be enforceable to the fullest extent permitted by law unless the
enforcement of the remaining terms, covenants, conditions and provisions of this Agreement Would
prevent the accomplishment of the original intent of this Agreement. The COUNTY and E
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CONSUI-TANT agree to reforrn the Agreement to replace any stricken provision with a valid CL
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provision that comes as close as possible to the intent of the stricken provision. E
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Section 13, ATTORNEYS FEES AND COSTS
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The COUNTY and CONSULTANT agree that in the event any cause of action or administrative
proceeding is initiated or defended by any party relative to the enforcement or interpretation of this
Agreement, the prevailing party shall be entitled to reasonable attorney's fees, and court costs, as an
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award against the non-prevailing party. Mediation proceedings initiated and conducted pursuant to C
this Agreement shall be in accordance with the Florida Rules of Civil Procedure and usual and 0
customary procedures required by the Circuit Court of Monroe County.
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Section 14. BINDING EFFECT
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The terms, covenants, conditions, and provisions ofthis Agreement shall bind and inure to the benefit
of the COUNTY and CONSULTANT and their respective legal representatives, successors, and
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assigns. 4-
Section 15. AUTHORITY
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Each party represents and warrants to the other that the execution, delivery and performance of this 4-
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Agreement have been duly authorized by all necessary County and corporate action,, as required by
law. 0
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Section 16. ADJUDICATION OF DISPUTES OR D REE ISAGMENTS
COUNTY arid CONSULTANT agree that all disputes and disagrCernCnLS shall be attempted to be T
resolved by rneet and confer sessions between representatives of each of the: parties. If no resolution <
can, be agreed upon within 30 days after the first rneet and confer session, then any party shall have
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the right to seek such reliefor rernedy as may be provided by this Agreement or by Florida law, This W
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Agreement shall not be subject to arbitration.
Section 17. COOPERATION
In the event any administrative or legal proceeding is instituted against either party relating to the E
formation, execution, performance, or breach of this Agreement, COUNTY and CONSULTANT
agree to participate, to the extent required by the other party., in all proceedings, hearings, processes,
meetings, and other activities related to the substance of this Agreement or provision of the services E
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tinder this Agreenient. COUNTY and CONSULTANT specifically agree that no party to this CL
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Agreement shall be required to enter into any arbitration proceedings related to this Agreenlent, E
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Section 18, NONDISCRIMINATION
COUNTY and CONSULTANT agree that there will be no discrimination against any person, and it
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is expressly understood that upon a determination by a court of competent jurisdiction that
discrimination has occurred, this Agreement automatically terminates WithOLIt any further action on
the part of any party,, effective the date of the court order. COUNTyr or CONSULTANT agree to
comply with all Federal and Florida statutes, and all local ordinances, as applicable, relating to
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nondiscrimination. These include but are not limited to: Title VII of the Civil Rights Act of 1964 (PL
88,-3�52) which prohibits discrimination on the basis of race, color or national origin; 'Title IX of the
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Education Amendment of 1972, as amended(20 USC ss, 1681-1683,and 1685-1686),which prohibits
discrimination on the basis of sex-, Section 50�4 of the Rehabilitation Act of 1973, as amended (20
USC s. 794), which prohibits discrimination on the basis of handicaps; The Age Discrimination Act .2
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of 1975, as arnended (42 USC ss. 6101-6107) which prohibits discrimination oil the basis of age; The 0
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Drug Abuse Office and Treatment Act of 1972 (PL 92-255), as amended, relating to
nondiscrimination on the basis of drug abuse; The Comprehensive Alcohol Abuse and Alcoholism
Prevention, Treatment and Rehabilitation Act of 1970 (PL 91-616), as amended, relating to E
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nondiscrimination on the basis of alcohol abuse or alcoholism-,The Public 1-lealth Service Act of 1912
ss. 523 and 527 (42 US C ss. 690dd-3 and 290ee-3), as arnended, relating to confidentiality of alcohol
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and drug abuse patent records; Title V111 of the Civil Rights Act of 1968 (42 USC s. et seq.), as
amended, relating to nondiscrimination in the sale, rental or financing of housing; The Americans E
with Disabilities Act of 1990 (42 USC s. 1201 Note), as may be amended from time to time, relating
to nondiscrimination on the basis of disability; Any other nondiscrimination provisions in any Federal
or state statutes which may apply to, the parties to, or the subject matter of, this Agreement, 0
Section 19. COVENANT OF NO INTEREST
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COUNTY and CONSULTANT covenant that neither presently has any interest, and shall not acquire any interest, which would conflict in any manner or degree with its performance uncler this 0
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Agreement, and that only interest of each is to perform and receive benefits as, recited in this >
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Section 20. CODE OF ETHICS
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The parties understand that officers and employees of the COUNTY are required to comply with the <
standards of conduct for public officers and employees as delineated in Section 112,313, Florida
Statutes, regarding, but ]lot limited to, solicitation or acceptance of gifts- doing business with one's
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agency;unauthorized Compensation;misuse of public position, conflicting employment or contractual
relationship; and disclosure or use of certain information.
Section 21. NO SOLici,rATION/PAYMENT
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The COUNTY and CONSULTANT warrant that, in respect to itself, it has neither employed nor
retained any cornpany or person, other than a bona fide employee working solely for it, to solicit or
secure this Agreement and that it has not paid or agreed to pay an person, company, corporation,
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individual, or firm, other than a bona fide employee working solely for it, any -fee. commission, CL
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percentage, gift, or other consideration contingent upon or resulting frorn the award or making of this E
Agreement, For the breach or violation of the provision, the CONSULTANT agrees that the U
COUNTY shall have the right to terminate this Agreement without liability and, at its discretion, to
offset horn monies owed, or otherwise recover, the full arnount of'such fee, cormnission, percentage,
gift, or consideration. E
Section 22. PUBLIC ACCESS
The COUNTY and CONSULTANT shall allow and permit reasonable access to, and inspection of,
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all docurnerits, papers, letters or other materials ill its possession or under its control subject to the
provisions of Chapter 119, Florida Statutes, and made or received by the COUNTY and
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CONSULTANT in conjunction with this Agreement; and the COUNTY shall have the right to
unilaterally cancel this Agreement upon violation ofthis provision by CONS ULTAN'"E,
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Section 23. NON-WAIVER OF IMMUNITY
Notwithstanding the provisions of Sec. 768.28, Florida Statutes, the participation of the COLNTY
and the CONSULTANT in this Agreement and the acquisition of any commercial liability insurance
coverage, self-insurance coverage, or local government liability insurance pool coverage shall not be E
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deemed a waiver of immunity to the extent of liability coverage, nor shall any Agreement entered into 0
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by the COUNTY be required to contain any provision for waiver, C
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Section 24. PRIVILEGES AND IMMUNITIES
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AI] of the privileges and immunities from liability, exerriptions firorn laws, ordinances, and rules and
pensions and relief, disability, workers' compensation, and other benefits which apply to the activity.
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of officers, agents, or employees of' any public agents or employees of the COUNTY, when
performing their respective functions under this Agreerri,ent within the territorial limits of the
COUNTY shall apply to the same degree and extent to the performance of such functions and duties 0
of such officers, agents, volunteers, or employees outside the territorial limits of the CO U
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Section 25. LEGAL OBLIGATIONS AND RESPONSIBILITIES
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Non-Delegation of Constitutional or Statutory Duties, This Agreement is riot intended to, nor shall it
be construed as, relieving any participating entity Frorn any obligation or responsibility imposed upon
the entity by law except to the extent of actual and timely performance thereof by any participating
entity, in which case the performance may be offered in satisfaction ofthe obligation or responsibility,
Further, this Agreement is not intended to,, nor shall it be construed as, authorizing the delegation of
the constitutional or statutory duties of the COUNTY, except to the extent permitted by the Florida W
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constitution, state statute, and case law,.
Section 26. NON-RELIANCE BY NON-PARTIES
No person or entity shall be entitled to rely upon the terms, or any of them, of this Agreement to E
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enforce or attempt to enforce any third-party clairn or entitlement to or benefit of any service or 2
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prograrn contemplated hereunder, and the COUNTY and the CONSULTANT .agree that neither the
COUNTY nor the CONS UIJAN'For any agent, officer,orernployee of either shall have the authority
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to inform, counsel, or otherwise indicate that any particular individual or group of individuals, entity CL
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or entities, have entitlements or benefits under this Agreement separate and apart, inferior to, 01' M
superior to the community in general or for the pUrp0SCS contemplated in this Agreement, E
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Section 27. ATTESTATIONS
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CONSULTANT agrees to execute such docurnents, as the COUNTY may reasonably require,
including, but not being limited to, a Public Entity Crime Statement,an Ethics Statement, and a Drug-
Free Workplace Statement, Lobbying and Conflict of Interest Clause, and Non-Collusion Agreement,
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Section 28,. NO PERSONAL :IL IABILITY
No covenant or agreement contained herein shall be deemed to be a covenant or agreement of any
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member, officer, agent or employee of Monroe County in his or her individual capacity, and no
member, officer, agent or employee of Monroe County shall be liable personally on this Agreement
or be subject to any personal liability or accountability by reason of the execution of this Agreement.
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Section 29. EXECUTION IN COUNTERPARTS C
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This Agreement may be executed in any number of counterparts, each of which shall be regarded as >
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an original, all of which taken together shall constitute one and the same instrument and any of the
parties hereto may execute this Agreement by signing any such counterpart. E
Section 30. SECTION HEADINGS
Section headings have been inserted in this Agreement as a matter of convenience of reference only, 0
and it is agreed that Such section headings are not a part of this Agreement and will not be used in the
interpretation of any provision of this Agreement,
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Section 31 RAN U
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31.1 Gen,eral Insurance Requirements for Other Consultants and SubConsultants. >
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As a pre-requisite of the work governed, the CONSULTANT shall obtain. at his/her own expense,
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insurance as specified in any attached schedules, which are made part of this contract, '"flie
CONSUI.,TANT will ensure that the insurance obtained will extend protection to all SubCoIlAdtants
engaged by the CONSULTANT, As an alternative, the CONSULTANT may require all
SubConsultants to obtain insurance consistent with the attached schedules; however CONSULTANT
is solely responsible to ensure that said insurance is obtained arrid shall submit proof of insurance to a
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COUNTY. Failure to provide proof of insurance shall be grounds for termination of this Agreement. z
The CONSULTANT will not be permitted to commence work governed by this contract until
satisfactory evidence ofthe required insurance has been furnished to the COUNTY as specified below.
Delays in the commencement of work, resulting ftorn the failure ofthe CONSULTANT to provide E
satisfactory evidence of the required insurance, shall not extend deadlines specified in this contract
and any penalties and failure to perform assessments shall be imposed as if the wort< commenced on
the specified date and tirne, except for the CONSULTANT's failure to provide satisfactory evidence. E
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The CONSULTANT shall maintain the required insurance throughout the entire term of this contract M
and any extensions specified herein. Failure to comply with this provision may result in the immediate E
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Suspension of all work until the required insurance has been reinstated or replaced and/or termination
of this Agreement and for damages to the COUNTY, Delays in the completion of work resulting
from the failure of the CONSULT, NT to maintain the required insurance shall not extend deadlines E
specified in this contract and any penalties and failure to perform assessments shall be imposed as if
the work had not been suspended, except for the CONSULTAN rr,S failure to maintain the required
insurance,
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The CONSULTANT shall provide, to the COUNTY, as satisfactory evidence of the required
insurance, either:
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Certificate of Insurance, or
Certified copy of the actual insurance policy,
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The County, at its sole option, has the right to request a certified copy of any or all insurance
policies required by this contract. All insurance policies must specify that they are not subject to
cancellation, non renewal, material change, or reduction in coverage unless a minimurn of thirty
(30) days prior notification is given to the County by the insurer.
The acceptance and/or approval of the Consultant's insurance shall not be construed as relieving the
Consultant from any liability or obligation assumed under this contract or imposed by law. 0
The Monroe County Board of County Commissioners, its employees and officials will be included w
as "Additional Insured" on all policies, except for Workers' Compensation.
3.1.2 Insurance Requirements u irements (Neale: craruo nis ref r overrekge are sul?1ect to change infinal
contract)
Prior to the commencement of work governed by this contract, the CONSULTANT shall obtain 0
General Liability Insurance. Coverage shall be maintained throughout the life of the contract and c�
include, as a nninirnurn:
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0 Premises Operations c-
Bodily Injury I.Jabi,lit:y
0 Expanded Definition of Property Damage
The minimum limits acceptable shall 'be $500,0 d Combined Single L. mit (CSI-) CL
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If split limits are provided, the minimum limits acceptable shall be:
$250,000 per Person
500, 00 per Occurrence
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0,000 Property Damage
An Occurrence form policy is preferred. If covet-age is provided on a Claims Made policy, its
provisions should include coverage for clainns filed on or after the effective date of'this contract. In
addition, the period for which claitrts may be reported should extend for a rnininium of twelve (1 )
months following the acceptance of work by the County.
The Monroe Count)/ :Board of County Commissioners shall be named as Additional Insured on all
policies issued to satisfy the above requirements,
1.3 Vehicle Liability Insurance requirements E
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Recogni ing that the work:governed by this contract requires the use of vehicles,the CONSUI-TA;NT �
prior to the commencement of work, shall obtain Vehicle I.Jability Insurance, Covet-age shall be �
maintained throughout the life of the contract and include, as a minimum, liability coverage for-,
Owned, Non-Owned, and Hired Vehicles
The minimum limits acceptable shall be:
30 ,000 Combined 'Single Limit (C L) E
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A reernent fair Update of 2009 Geosp atial Land Craver Datoset fur the Florida Keys 10
Packet Pg. 3322
If split limits are provided, the minimum limits acceptable shall be:
$1 00,0�00 per Person
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$300,000 per Occurrence
$ 50,000 Property Darnage
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The Monroe County Board of County Commissioners shall be earned as Additional Insured on all C
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policies issued to satisfy the above req Ld rerne tits.
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31.4 Workers' Compensation Insurance Requirements Prior to cornmencementol'work governed by this contract,the CONS ULTAN]"'shall obtain Workers' M
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Compensation Insurance with limits sufficient to respond to the applicable state statutes.
In addition, tile CONSULTANT shall obtain Einployers' Liability Insurance with limits of not less
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than:
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$500,000 Bodily Injury by Accident
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$500,000 Bodily In U
Injury by Disease, policy limits 4-
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$500,000 Bodily In ury by Disease, each employee -ra
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Coverage shall be maintained throughout the entire term ofthe contract. Coverage shall be provided CL
by a company or companies authorized to transact business in the state of Florida. <
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31.5 Professional Liability Requirements
Recognizing that the work governed by this contract involves tile furnishing ofadvice or services of
a professional nature, the Consultant shall purchase and maintain, throughout the life of the contract, In
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Professional Liability Insurance which will respond to damages reSUiting from any claim arising out 0
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of the performance of professional services or any error or omission of the Consultant arising out of
work governed by this contract,
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'rhe minfirturn limits of liability shall be$500,000 per Occurrence/$1,000�,000 Aggregate
Section, 32. INDEMNIFICATION
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The CONSULTANT does hereby consent and agree to indernnify and hold han-riless the COUNTY, CL
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its Mayor, the Board of Count), Coin in issioners, appointed Boards and Commissions, Officers, and M
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tile Employees, and any other agents, individually and collectively, from all fines, Suits, clairns, U
demands, actions, costs, obligations, attorney's fees, or liability of any kind arising out of the sole
negligent actions of the CONSULTANT or substantial and unnecessary delay caused by the willful
nonperformance of the CONSUUrANT and shall be solely responsible and answerable for any and E
all accidents or injuries to persons or property arising out of its performance of this contract, 'I'lle
amount and type of insurance coverage requirements set forth hereunder shall in no way be construed
as limiting the scope of indemnity set forth in this paragraph. Further the CONSUUrANT agrees to
defend and pay all legal costs attendant to acts attributable to the sole negligent act of the E
CONSULTANT.
Agreement fort pdate of 2009 Geospatiol Land Cover Datasetfor the Florida Keys
I Packet Pg. 3323
Section 34 INDEPENDENT CONSULTANT. At all times and for all purposes hereunder, the
CONSULTANI' is an independent Consultant and not an employee of the Board of County
Commissioners. No statement contained in this agreement shall be construed so as to find the
CONSULTANT or any of his/her employees, Consultants, servants or agents to be employees of the 0
Board of County Commissioners for Monroe County. As an independent Consultant the
CONSULTANT shall provide independent, professional judgment and comply with all federal, state,
and local statutes, ordinances, rules and regulations applicable to the services to be provided. E
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Section 35 COMPLETENESS OF WORK. The CONSUL,TANT' shall be responsible for the
completeness and accuracy of its work, plan, supporting data, and other documents prepared or w 1-
compiled Under its obligation for this project, and shall correct at its expen.se all significant errors or M
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omissions therein which may be disclosed. The cost of the work necessary to correct those errors
attributable to the CON SU LTANT and any damage incurred by the CO IJNTY as a result of additional
costs caused by such errors shall be chargeable to the CONS Ul-JANT. This provision shall not apply 0
to any rnaps, official records, contracts, or other data that may be provided by the C0t-JNTY or other
public or serni-public agencies,
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Agreement for Updote of 2009 Geospatial Load Cover Datoset for the Florido Keys 12
Packet Pg. 3324
"rlje CONSUIA'ANT agrees that no charges or claims for damages shall be made by it for any delays
or hindrances attributable to the COUNTY drUring tile progress of any portion of the services specified
In this contract. Such delays or hindrances, if any, shall be compensated for by the COUNTY by an
extension of time for, a reasonable period for the C'ONSU1,TAN'T to complete the Nvork schedule, 2.1
SLICII an agreement shall be made between the parties. 0)
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IN WITNESS WHEREOF,tile parties hereto,have CHUsed these presents to be executed oil the............ 9=
0
day of 2021
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(S E A J-) BOARD OF COUNTY COMMISSIONERS' E
Attest: Kevin Madok, CLERK 0
OF MONROE COUNTY,FL )RIDA
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By By: 0
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Depurty Clerk Mayor
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(CORPORA"FE SEA[,,) CONSULTANT w
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By v. By:
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nentfor Update of 2009 Geospotial Land Cover Datasetf&the Florida Keys 13
Packet Pg. 3325
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EXHIBIT A SCOPE OF
SERVICES
.2
2.1
SCOPE OF WORK 0
The project consists of:
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A. Updates to the existing land cover classification described above to meet the needs of tile 0
Planning & Environn-rental Resources Department utilizing the 2022 digital
orthophotography described in 1,04. w
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B. Perform quality control and quality assurance (including gl-0 Lind truth ing of'digital
orth oph oto graph land cover signatures) to determine the accuracy of the filial land cover
dat,aset. The quality control and quality assurance and cover and classification
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4-
delineation techniques will be summarized in a written report.
C. Tier Mapping. Consultant shall review existing Tier Overlay District maps and make
0
recommendations fbi-revisions or amendments in accordance with Comprehensive Plan U
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Policy 106.1.1 and Monroe County Land Development Code Chapter 130-1 O (c). Prior to 0
-
M raonroe County processing updates to the Land Development Code Tier (Zoning) Overlay >
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District Map, the Consultant shall evaluate the listed threatened and endangered species (as L-
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of 2022) and the criteria included in Policy 205.1.1 (Tier Overlay District designation CL
criteria) to determine ifarnendments are required to further protect and enhance native
upland vegetation. T
D. Technical Support for Tier Development Review Committee. Consultant shall provide a
professional biologist familiar with the native vegetation and plant comIllUnities of the w
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Florida Keys to provide technical support to the County with the responsibility of tier
designation review utilizing the criteria for tier placement and best available data to
recommend amendments to ensure implementation of and adherence to the Florida Keys
Carrying Capacity Study, Policy 106.1.1 and LDC Section 130-1 30�(c).
E
E. Deliverables at a rnininiurn shall include:
I. Habitat rnam)ir a GIS File Geodatabase containing the land cover dalaset
compatible with ArcGIS 10.8.1 and ArcGIS Pro 2.7.2 or most recent version and E
CL
associated nietadata file. The data will be in the NAD 1983 (2011) State Plane CL
Florida East coordinate system, in units of US Survey Feet. E
2, A Final Report detailing changes in Land Cover by habitat type and reason for the U
change (eg: development, mapping error, environmental conditions, etc), The Filial
Report shall include a review of the QA/QC procedures and will address issues
encountered with polygon classification Such as photo quality, signature variance or E
i-nisinterpretations of mapping units, etc.
3. Preliminary Tier Overlay District map amendment recommendations
4. Technical Support for up to six (6) TDRC meetings over a six month period,
E
Agreementfar Update of 2009 Geospatid]Land Cover Dotosetfor the Florida Keys 14
1 Packet Pg. 3326
The County shall own the deliverables, and shall have sole rights to reproduce and sell
any data or derivative information, and Respondent shall have no copy right or right to
sell the data set or derivative of the data set resulting from this RFP.
F. Irt is anticipated that this project can be completed within eighteen (18) months of
authorization to commence work.
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Agreementfar Update of 20'09 Geospatial Land Cover Dotasetfor the Florida Keys 15
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M.4.a
Monroe County Request for Proposals
rw e Updates of 2009 eospatial Land Cover Dataset and Tier Overlays District
'daps for the Horida Keys
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Cost Proposal
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.3m r+a�e�t ieic��[�leetine 9�ata Irnaery C�� 11/23/21322 $2t�,��u7. 8
1.3.2 Desktop Phat interpretation 5/10/2 23 $40,82& 2
1.3.3 Initial Fieldwork 6/21/2023 � $34,52 .50
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1.3.4 Fieldwork QA 7/19/2023 $32,6O .84
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1.3.5 Final QA 8/24/2 23 $1 ,222,04 0
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1.3. Tier Mapping 8/24/2023 $15,323.36
1.3.7 TDRC Meetings, 2/23/2024 $45,818.50
I
1.3.8 Final' Repart 4/8/2024 $16, 45.18
Task Assignment Total $225,644.32
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M.4.b
Thank you for choosing Allstate Q)Allstate.
Proof of Insurance Card Page 7 of 2
For your convenience,two insurance cards have been included for each vehicle.State law requires that one
of these cards be kept in each vehicle. Please place them in your vehicles by the effective date.
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Please use the printed Insurance Cards below. Please use the printed Insurance Cards below.
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Florida Automobile Insurance Allstate. Florida Automobile InsuranceAllstat
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Identification Card Identification Card N
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Allstate Property and Casualty Insurance Company Allstate Property and Casualty Insurance Company
POLICY NUMBER COMPANY CODE EFFECTIVE DATE POLICY NUMBER COMPANY CODE EFFECTIVE DATE CL
961240 775 -01940 10/10/22 961240 775 -01940 10/10/22
x❑ PERSONAL INJURY PROTECTION BENEFITS/ x❑ BODILY INJURY x❑ PERSONAL INJURY PROTECTION BENEFITS/ x❑ BODILY INJURY
PROPERTY DAMAGE LIABILITY LIABILITY PROPERTY DAMAGE LIABILITY LIABILITY
Philip A Frank,Rowena P Garcia Philip A Frank,Rowena P Garcia
t3
YEAR/MAKE/MODEL VEHICLE ID NUMBER YEAR/MAKE/MODEL VEHICLE ID NUMBER
2009 Toyota Matrix 2T1KU4OE99CO01635 2009 Toyota Matrix 2T1KU4OE99CO01635
NOT VALID MORE THAN ONE YEAR FROM EFFECTIVE DATE NOT VALID MORE THAN ONE YEAR FROM EFFECTIVE DATE
Florida Automobile Insurance Allstate. Florida Automobile Insurance
Identification Card Identification Card
Allstate Property and Casualty Insurance Company Allstate Property and Casualty Insurance Company
POLICY NUMBER COMPANY CODE EFFECTIVE DATE POLICY NUMBER COMPANY CODE EFFECTIVE DATE
961240 775 -01940 10/10/22 961240 775 -01940 10/10/22 U)
x❑ PERSONAL INJURY PROTECTION BENEFITS/ x❑ BODILY INJURY x❑ PERSONAL INJURY PROTECTION BENEFITS/ x❑ BODILY INJURY
PROPERTY DAMAGE LIABILITY LIABILITY PROPERTY DAMAGE LIABILITY LIABILITY
Philip A Frank,Rowena P Garcia Philip A Frank,Rowena P Garcia
YEAR/MAKE/MODEL VEHICLE ID NUMBER YEAR/MAKE/MODEL VEHICLE ID NUMBER
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2014 Ford Truck F150 2wd iFTFXiCT8EKE17539 2014 Ford Truck F150 2wd iFTFXiCT8EKE17539
NOT VALID MORE THAN ONE YEAR FROM EFFECTIVE DATE NOT VALID MORE THAN ONE YEAR FROM EFFECTIVE DATE
U)
----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------+
Florida Automobile Insurance Allstate. Florida Automobile Insurance
Identification Card Identification Card
Allstate Property and Casualty Insurance Company Allstate Property and Casualty Insurance Company
POLICY NUMBER COMPANY CODE EFFECTIVE DATE POLICY NUMBER COMPANY CODE EFFECTIVE DATE
961240 775 -01940 10/10/22 961240 775 -01940 10/10/22
x❑ PERSONAL INJURY PROTECTION BENEFITS/ x❑ BODILY INJURY x❑ PERSONAL INJURY PROTECTION BENEFITS/ x❑ BODILY INJURY
PROPERTY DAMAGE LIABILITY LIABILITY PROPERTY DAMAGE LIABILITY LIABILITY
Philip A Frank,Rowena P Garcia Philip A Frank,Rowena P Garcia
YEAR/MAKE/MODEL VEHICLE ID NUMBER YEAR/MAKE/MODEL VEHICLE ID NUMBER
20141exus Rx350 2T2ZK1BA2EC147300 20141exus Rx350 2T2ZK1BA2EC147300 Packet Pg. 3329
NOT VALID MORE THAN ONE YEAR FROM EFFECTIVE DATE NOT VALID MORE THAN ONE YEAR FROM EFFECTIVE DATE
M.4.b
Policy number: 1961240 775 Page 2 of 2
Policy effective date: October 10,2022
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If you have an accident or loss: If you have an accident or loss: ,
Get medical attention if needed.Notify the police immediately. - Get medical attention if needed.Notify the police immediately. cN
Obtain names,addresses,phone numbers(work&home)and license - Obtain names,addresses,phone numbers(work&home)and license cN
plate numbers of all persons involved,including passengers and witnesses. plate numbers of all persons involved,including passengers and witn ,
Call 1-800-ALLSTATE(1-800-255-7828),logon to allstate.com - Call 1-800-ALLSTATE(1-800-255-7828),logon to allstate.com CL
or contact your agent as soon as possible. or contact your agent as soon as possible.
McKnight&Company McKnight&Company
(352)371-2204 (352)371-2204
4004 NW 13th St 4004 NW 13th St
Gainesville,FL 32609 Gainesville,FL 32609
If you carry Auto Collision Insurance:Rental car coverage is provided, If you carry Auto Collision Insurance:Rental car coverage is provided
see outline of coverage.(This means Auto Collision Insurance will apply see outline of coverage.(This means Auto Collision Insurance will apl tea
to a vehicle rented on a short-term basis, not that you will be reimbursed to a vehicle rented on a short-term basis, not that you will be reimbi
for the cost of renting a substitute vehicleF for the cost of renting a substitute vehicle)
Misrepresentation of insurance is a first degree misdemeanor Misrepresentation of insurance is a first degree misdemean
If you have an accident or loss: If you have an accident or loss:
Get medical attention if needed.Notify the police immediately. - Get medical attention if needed.Notify the police immediately.
Obtain names,addresses,phone numbers(work&home)and license - Obtain names,addresses,phone numbers(work&home)and license
plate numbers of all persons involved,including passengers and witnesses. plate numbers of all persons involved,including passengers and witn
Call 1-800-ALLSTATE(1-800-255-7828),logon to allstate.com - Call 1-800-ALLSTATE(1-800-255-7828),logon to allstate.com
or contact your agent as soon as possible. or contact your agent as soon as possible.
McKnight&Company McKnight&Company 2
(352)371-2204 (352)371-2204
4004 NW 13th St 4004 NW 13th St m
Gainesville,FL 32609 Gainesville,FL 32609 cs
If you carry Auto Collision Insurance:Rental car coverage is provided, If you carry Auto Collision Insurance:Rental car coverage is provided
see outline of coverage.(This means Auto Collision Insurance will apply see outline of coverage.(This means Auto Collision Insurance will apl
to a vehicle rented on a short-term basis, not that you will be reimbursed to a vehicle rented on a short-term basis, not that you will be reimbi
o for the cost of renting a substitute vehicleF for the cost of renting a substitute vehicle)
Misrepresentation of insurance is a first degree misdemeanor Misrepresentation of insurance is a first degree misdemean
o P g P g
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s If you have an accident or loss: If you have an accident or loss:
o Get medical attention if needed.Notify the police immediately. - Get medical attention if needed.Notify the police immediately.
N Obtain names,addresses,phone numbers(work&home)and license - Obtain names,addresses,phone numbers(work&home)and license
i3 plate numbers of all persons involved,including passengers and witnesses. plate numbers of all persons involved,including passengers and witn
Call 1 800 ALLSTATE(1 800 255 7828),logon to allstate.com Call 1-800-ALLSTATE(1-800-255-7828),logon to allstate.com
o or contact your agent as soon as possible. or contact your agent as soon as possible.
00 McKnight&Company McKnight&Company m
(352)371-2204 (352)371-2204
c, o 0 4004 NW 13th St 4004 NW 13th St
o a LL Gainesville,FL 32609 Gainesville,FL 32609
o If you carry Auto Collision Insurance:Rental car coverage is provided, If you carry Auto Collision Insurance:Rental car coverage is provided,
oo a see outline of coverage.(This means Auto Collision Insurance will apply see outline of coverage.(This means Auto Collision Insurance will apply
CN to a vehicle rented on a short-term basis, not that you will be reimbursed to a vehicle rented on a short-term basis, n
for the cost of renting a substitute vehicle) for the cost of renting a substitute vehicle) Packet Pg. 3330
Misrepresentation of insurance is a first degree misdemeanor Misrepresentation of insurance is a f
M.4.b
Renewal auto policy declarations 1 f
11111"_ ' WAllstate.
Your policy effective date is October 10,2022 Platinum Gold Standard
Page 1 of 7
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Information as of August 30,2022 .5
Total Premium for the Policy Period LU
Please review your insured vehicles and verify their VINs are correct. Summary
Vehicles covered Identification Number(VIN) Premium Named Insured(s)
2014 Lexus Rx350 2T2ZK1BA2EC147300 $1,625.99 Philip Frank and Rowena Garcia
2014 Ford Truck F150 2wd 1FTFX1CT8EKE17539 908.12 Mailing address 0
2009 Toyota Matrix 2T1KU40E99C001635 1,751.89 1241 Crane Blvd
Additional coverages Sugarloaf Key FL 33042-3160
Total* $4,286.00 961240 775r U
4-
*Your bill will be mailed separately.Before making a payment,please refer to your Your policyProvided by
latest bill,which includes payment options and installment fee information.If you do Allstate Property and Casualty
not pay in full,you will be charged an instalment fee(s).If you do not pay your bill by Insurance Company CL
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the due date shown on our billing statement,you may be charged a late fee. Policy
Y 9 Y 9 f y period
See the Important payment and coverage information section for details about Beginning October 10,2022 through
installment fees. April 10,2023 at 12:01 a.m.standard
time
Your Allstate agency is CL
Discounts (included in your total premium) McKnight&Company
Anti-theft $5.16 Passive Restraint $110.93
4004 NW 13th St
Antilock Brakes $189.73 Home Ownership $322.00 Gainesville FL 32609
Drivewise® $114.53 Premier Plus $1,910.76 (352)371-2204
LMCKNIGHTI@ALLSTATE.COM
Good Student $394.68 teenSMART $175.42 U
Total discounts $3,223.21 Some or all of the information on your
Policy Declarations is used in the rating
of your policy or it could affect your
eligibility for certain coverages.Please
Discounts per vehicle notify us immediately if you believe that
2014 Lexus Rx350 $290,15 any information on your Policy
Anti-theft $2.83 Passive Restraint $47.82 Declarations is incorrect.We will make
Antilock Brakes $71.97 Home Ownership $123.58 corrections once you have notified us, U)
Drivewise® $43.95 and any resulting rate adjustments,will C
be made only for the current policy
2014 Ford Truck F150 2wd $692,94 period or for future policy periods.
Anti-theft $2.33 Passive Restraint $19.27 Please also notify us immediately if you
Antilock Brakes $34.66 Home Ownership $61.13 believe any coverages are not listed or
Premier Plus $553.80 Drivewise® $21.75
are inaccurately listed. cs
2009 Toyota Matrix $2,240,12
Good Student $394.68 Passive Restraint $43.84
Antilock Brakes $83.10 Home Ownership $137.29
teenSMART $175.42 Premier Plus $1,356.96
Drivewise® $48.83
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Packet Pg. 3331
M.4.b
Renewal auto policy declarations Page 2 of 7
Policy number: 1961240 775
Policy effective date: October 10,2022
Surcharge (included in your total premium) E
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Chargeable Accident $124.29
■ 2014 Lexus Rx350
Total surcharges $124.29
Listed drivers on your policy*
0
Philip Frank '-
Rowena Garcia
Nathaniel Frank
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*Are there licensed drivers not listed above who either reside in your household(even if -
temporarily away from home)or are guests staying in your home for an extended period? 76
If so,please contact us so your policy information and coverage is up to date. There are
circumstances under which a loss may not be covered by this policy because the auto was CL
CL
being operated by someone residing at your house who is not listed on the policy.
Additional detail about how we treat undisclosed drivers can be found in your policy. M
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Excluded drivers from your policy
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None
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Renewal auto policy declarations
Policy number: 1961240 775 Page 3 of 7
WAllstate.
Policy effective date: October 10,2022
Coverage detail for 2014 Lexus Rx350 E
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Coverage Limits Deductible Premium
Personal Injury Protection $0 $125.54
Death Benefit $5,000 each person
Aggregate Medical Expenses $10,000 each person
(Emergency or Non-Emergency
Medical Condition), Income Loss and 0
Loss of Services U
Medical Expenses Limit:
Medical Expenses- U
Emergency Medical Condition $10,000 each person -
OR
Medical Expenses-
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Non-Emergency Medical Condition $2,500 each person CL
The sum of Medical Expenses, Income Loss and Loss of Services benefits cannot exceed the aggregate$10,000 limit. ,
Auto Collision Insurance Actual cash value $500 $252.82
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Auto Comprehensive Insurance Actual cash value $500 $62.48
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Automobile Liability Insurance
■ Bodily Injury $1,000,000 each person Not applicable $920.79
$1,000,000 each occurrence °
■ Property Damage $1,000,000 each occurrence Not applicable $148.57
Collision for Custom Equipment Not purchased*
Comprehensive for Custom Not purchased*
Equipment E
Roadside Coverage $100 Not applicable $6.40
Transportation Expense Not purchased*
Uninsured Motorists Insurance for Bodily $100,000 each person Not applicable $109.39
Injury $300,000 each accident
Uninsured Motorists Insurance limits of insured vehicles may not be stacked.
Auto Replacement Protection Not purchased*
Automobile Medical Payments Not purchased* E
Portable Electronics and Media Not purchased*
(continued)
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M.4.b
Renewal auto policy declarations Page 4 of 7
Policy number: 1961240 775
Policy effective date: October 10,2022
Coverage Limits Deductible Premium
Sound System Not purchased*
Total premium for 2014 Lexus Rx350 $1,625.99
*This coverage can provide you with valuable protection. To help you stay
current with your insurance needs,contact your Allstate agent to discuss
coverage options and other products and services that can help protect
you.
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VIN 2T2ZK1 BA2EC147300 Rating information
■ This vehicle is driven over 7,500 miles per year,for 0
pleasure,adult age 54,with no unmarried driver
under 25 0
0
Coverage detail for 2014 Ford Truck F150 2wdCL
Coverage Limits Deductible Premium
Personal Injury Protection $0 $58.96
Death Benefit $5,000 each person
CL
Aggregate Medical Expenses $10,000 each person
(Emergency or Non-Emergency
Medical Condition), Income Loss and
Loss of Services
Medical Expenses Limit: U
Medical Expenses- CU
Emergency Medical Condition $10,000 each person CU
OR
Medical Expenses-
Non-Emergency Medical Condition $2,500 each person CU
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The sum of Medical Expenses, Income Loss and Loss of Services benefits cannot exceed the aggregate$10,000 limit.
Auto Collision Insurance Actual cash value $500 $124.16 Wo
Auto Comprehensive Insurance Actual cash value $500 $53.02 2 LL
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Automobile Liability Insurance
■ Bodily Injury $1,000,000 each person Not applicable $471.65
$1,000,000 each occurrence
■ Property Damage $1,000,000 each occurrence Not applicable $84.54
Collision for Custom Equipment Not purchased* o
Comprehensive for Custom Not purchased* 4
Equipment o
Roadside Coverage $100 Not applicable $6.40 o
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Transportation Expense Not purchased* I?
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Renewal auto policy declarations
Policy number: 1961240 775 Page 5 of 7
WAllstate.
Policy effective date: October 10,2022
Coverage Limits Deductible Premium E
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Uninsured Motorists Insurance for Bodily $100,000 each person Not applicable $109.39 0"
Injury $300,000 each accident
Uninsured Motorists Insurance limits of insured vehicles may not be stacked.
Auto Replacement Protection Not purchased* E
Automobile Medical Payments Not purchased*
Portable Electronics and Media Not purchased*
Sound System Not purchased*
Total premium for 2014 Ford Truck F150 2wd $908.12
*This coverage can provide you with valuable protection. To help you stay t0
current with your insurance needs,contact your Allstate agent to discuss -
coverage options and other products and services that can help protect
you.
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VIN 1FTFX1CT8EKE17539 Rating information <
■ This vehicle is driven over 7,500 miles per year,for M
pleasure,adult age 61,with no unmarried driver Q
CN
under 25,good driver rate
Coverage detail for 2009 Toyota Matrix
Coverage Limits Deductible Premium
Personal Injury Protection $0 $116.25
Death Benefit $5,000 each person
CU
Aggregate Medical Expenses $10,000 each person
(Emergency or Non-Emergency
Medical Condition), Income Loss and
Loss of Services
A
Medical Expenses Limit:
Medical Expenses- I
Emergency Medical Condition $10,000 each person a
OR
Medical Expenses-
Non-Emergency Medical Condition $2,500 each person
The sum of Medical Expenses, Income Loss and Loss of Services benefits cannot exceed the aggregate$10,000 limit.
CU
Auto Collision Insurance Not purchased*
Auto Comprehensive Insurance Not purchased*
Automobile Liability Insurance 0
■ Bodily Injury $1,000,000 each person Not applicable $1,302.72
$1,000,000 each occurrence
■ Property Damage $1,000,000 each occurrence Not applicable $217.13
Collision for Custom Equipment Not purchased*
(continued)
Packet Pg. 3335
M.4.b
Renewal auto policy declarations Page 6 of 7
Policy number: 1961240 775
Policy effective date: October 10,2022
Coverage Limits Deductible Premium E
a
Comprehensive for Custom Not purchased*
Equipment
Roadside Coverage $100 Not applicable $6.40
Transportation Expense Not purchased* E
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Uninsured Motorists Insurance for Bodily $100,000 each person Not applicable $109.39
Injury $300,000 each accident
Uninsured Motorists Insurance limits of insured vehicles may not be stacked. 0
Auto Replacement Protection Not purchased*
Automobile Medical Payments Not purchased*
Portable Electronics and Media Not purchased* 0
Sound System Not purchased* 0
Total premium for 2009 Toyota Matrix $1,751.89 y
0
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*This coverage can provide you with valuable protection. To help you stay CL
current with your insurance needs,contact your Allstate agent to discuss
coverage options and other products and services that can help protect
you. Q
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VIN 2T1 KU40E99C001635 Rating information
■ This vehicle is driven over 7,500 miles per year,
unmarried male age 17,good driver rate
Additional coverage
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The following policy coverage is also provided.
Coverage Limits Deductible Premium
Automobile Death Indemnity Insurance $10,000 benefit Not applicable Included
Identity Theft Expenses Not purchased*
Total $0.00 o
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*This coverage can provide you with valuable protection. To help you stay 9= a
current with your insurance needs,contact your Allstate agent to discuss .2 J"
coverage options and other products and services that can help protect you.
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Your policy documents
Your automobile policy consists of this Policy Declarations and the documents in the following list. Please keep these together. 0 o
0
■ Allstate Auto Policy-ACR208 Automobile Death Indemnity Insurance-Coverage CM- U o
ACR211 Eo
0 O
■ Florida Amendatory Endorsement-ACR339 ■ Bundling Rewards Amendatory Endorsement-ACR213
■ FL PIP Amendatory Endorsement-ACR209-1 ■ FL Glass Schedule Endorsement-ACR235 0
■ Uninsured Motorists Amendatory Endorsement-ACR210-1 N
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Packet Pg. 3336
M.4.b
Renewal auto policy declarations
Policy number: 1961240 775 Page 7 of 7
WAllstate.
Policy effective date: October 10,2022
Important payment and coverage information E
a
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Here is some additional,helpful information related to your coverage and paying your bill:
►You are earning a discount of$114.53 for participating in Drivewise®. w
►You earned$74.57 in cash as of 10/10/2022 from Drivewise®.Continue driving safely to earn more cash every 6 months. E
►A$10.00 late fee may be assessed if payment is received after the due date.
►Your rate is lower because you are insuring multiple cars.
►If you decide to pay your premium in installments,there will be a$3.00 installment fee charge for each payment due. If you
make 6 installment payments during the policy period,and do not change your payment plan method,then the total amount of
installment fees during the policy period will be$18.00. 0
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0
If you are on the Allstate® Easy Pay Plan,there will be a$1.50 installment fee charge for each payment due. If you make 6
installment payments during the policy period,and remain on the Allstate® Easy Pay Plan,then the total amount of installment
fees during the policy period will be$9.00. CL
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If you change payment plan methods or make additional payments,your installment fee charge for each payment due and the
total amount of installment fees during the policy period may change or even increase. N
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Please note that the Allstate® Easy Pay Plan allows you to have your insurance payments automatically deducted from your
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checking or savings account.
Florida required communications
►If You Have a Question About Your Insurance...
If you wish to present an inquiry or obtain information about coverage,or if you need assistance in resolving a complaint,
please call (352)371-2204.
Allstate Property and Casualty Insurance Company's Secretary and President have signed this policy with legal authority at
Northbrook, Illinois.This policy is binding with the countersignature of an authorized Allstate Property and Casualty Insurance
Company agent.
William Hill Susan L. Lees
President Secretary
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Policy countersigned by McKnight&Company
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Packet Pg. 3337
M.4.b
Policy Endorsement Page 1 of 10
Policy number: 1961240 775
Policy effective date: October 10,2022
C
The following endorsement changes your policy. A. Under Additional Payments We Will Make,item 2 is replaced by
Please read this document carefully and keep it with your policy, the following: 0
2. court costs for defense.This section does not include attorney
Florida fees,costs or sanctions awarded or assessed against an insured
1_
Amendatory Endorsement -ACR339 person except for those that were imposed,in a case in which
(Ed.08/22) we provided a defense,by a court for an offer of judgment or
proposal for settlement pursuant to section 768.79,Florida
I. In the General Provisions section of the policy the following changes are Statutes,or the applicable Florida or federal rule of procedure,
made: that was in an amount that did not exceed our limits of 0
liability. In cases involving more than one insured person,the U
A. Under Definitions Used Throughout The Policy,the following M
definition is added: total amount of the offers of judgment or proposal for
settlement must not exceed our limits of liability.This means 0
Personal Vehicle Sharing Program means an association or that under no circumstances will we pay attorney fees,costs or
legal entity engaged in the business or activity of facilitating sanctions awarded where the amount for offers of judgment or 0
the sharing of vehicles for personal transportation use by proposals for settlement exceeds our limit of liability. y
individuals. 0
B. Under Additional Definitions For Part I,the definition of insured CL
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B. The Where Lawsuits May Be Brought provision is replaced by the person is replaced by the following: <
following:
3. Insured Person means: CN
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Where Lawsuits May Be Brought a. While using your insured auto other than a non-owned c4
Subject to the following three paragraphs,any and all lawsuits in any auto:
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way related to this policy shall be brought,heard,and decided only in (i) you;
a state or federal court located in Florida. Any and all lawsuits (ii) any resident;and
against persons not parties to this policy but involved in the sale, (iii) any other person using it with your permission;
administration,performance,or alleged breach of this policy or
involved in any other way with this policy,shall be brought,heard, b. While using anon-owned auto:
and decided only in a state or federal court located in Florida, (i) you;
provided that such persons are subject to or consent to suit in the
(ii) any resident relative using a four-wheel private U
courts specified in this paragraph. passenger auto or utility auto;or
If a covered loss to property we insure under this policy,a covered
c. Any other person or organization liable for the use of an
motor vehicle accident,or any other occurrence for which coverage insured auto if the auto is not owned or hired by that
applies under this policy happens outside Florida,lawsuits regarding person or organization,provided the use is by an insured
for that above and then only
or b person under a. . y
that covered loss to property,covered motor vehicle accident,or p �
other covered occurrence may also be brought in the judicial district person's acts or omissions.
where that covered loss to property,covered motor vehicle accident, C. Under Exclusions—What Is Not Covered,item 3 is replaced by the U)
or other covered occurrence happened. following:
Unless we agree otherwise,any legal action against us must be 3. bodily injury or property damage arising out of the use of
brought in a court of competent jurisdiction in the county where your insured auto while it is: cy
your covered auto is principally garaged. a. rented to,leased to,or provided in exchange for a charge
Nothing in this provision,Where Lawsuits May Be Brought,shall
to,any person or organization by or with the permission of
impair any party's right to remove a state court lawsuit to a federal an insured person (this exclusion will only apply to o
court. damages that are in excess of the minimum limits of o
liability coverage required by the financial responsibility
II. Part 1—Automobile Liability Insurance,Bodily Injury Liability and laws of the state of Florida);or 0 o
Property Damage Liability Coverages AA and BB is amended as b. being used as part of a Personal Vehicle Sharing o
follows: Program. o
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Packet Pg. 3338 )
M.4.b
Policy endorsement
Policy number: 1961240 775
Policy effective date: October 10,2022 Page 2 of 10
These exclusions do not apply to an insured person using a amount we will pay for such expenses shall,pursuant to the fee schedule
non-owned motor vehicle with the permission of the vehicle's limitations under Section 627.736(5)(a)l.of the Florida Statutes,or any C
owner. other limitations established by Section 627.736 of the Florida Statutes,or y
III. In Part 2—Automobile Medical Payments Coverage CC,under
any other provisions of the Florida Motor Vehicle No-Fault Law,as
Exclusions—What Is Not Covered,item 5 is replaced by the following: enacted,amended or otherwise continued in the law,be limited to eighty
percent of the following schedule of maximum charges(or any other fee
5. bodily injury arising out of the use of your insured auto while it is: schedule limitation which may be enacted,amended or otherwise
a. rented to,leased to,or provided in exchange for a charge to, continued in the law):
any person or organization by or with the permission of an a) for emergency transport and treatment by providers licensed under
insured person;or chapter 401 of the Florida Statutes,200 percent of Medicare;
b. being used as part of a Personal Vehicle Sharing Program. b) for emergency services and care provided by a hospital licensed
This exclusion does not apply to an insured person using a under chapter 395 of the Florida Statutes,75 percent of the hospital's
non-owned motor vehicle with the permission of the vehicle's usual and customary charges;
c) for emergency services and care as defined by Section 395.002 of 0
owner. the Florida Statutes,provided in a facility licensed under chapter 395
IV. In Part 3—Protection Against Loss To The Auto,under rendered by a physician or dentist,and related hospital inpatient
Exclusions—What Is Not Covered,item 12 is replaced by the following: services rendered by a physician or dentist,the usual and customary CL
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12. loss arising out of the use of your insured auto,trailer,or charges in the community;
travel-trailer while it is: d) for hospital inpatient services,other than emergency services and M
care,200 percent of the Medicare Part A prospective payment Q
a. rented to,leased to,or provided in exchange for a charge to, applicable to the specific hospital providing the inpatient services;
any person or organization by or with the permission of an e) for hospital outpatient services,other than emergency services and CL
insured person;or care,200 percent of the Medicare Part A Ambulatory Payment
b. being used as part of a Personal Vehicle Sharing Program.
Classification for the specific hospital providing the outpatient
This exclusion does not apply to an insured person using a services;and
non-owned motor vehicle with the permission of the vehicle's owner. f) for all other medical services,supplies and care,200 percent of the
allowable amount under:
i) the participating physicians fee schedule of Medicare Part B, U
All other policy terms and conditions apply. except as provided in subparagraphs(ii)and(iii)below.
ii) Medicare Part B,in the case of services,supplies and care
provided by ambulatory surgical centers and clinical
laboratories.
The following endorsement changes your policy. iii) the Durable Medical Equipment Prosthetics/Orthotics and CU
Please read this document carefully and keep it with your policy. Supplies fee schedule of Medicare Part B,in the case of durable T
medical equipment. —
Florida Personal Injury Protection Coverage-"
If a provider submits a charge for an amount less than the amount a
-ACR209-1 determined by the fee schedule or other limitations established by Section E
(Ed.08/22) 627.736 of the Florida Statutes,or any other provisions of the Florida
In accordance with the Florida Motor Vehicle No-Fault Law, we will pay to or on Motor Vehicle No-Fault Law as described above, we will pay eighty
behalf of the injured person the following benefits.Payments will be made only percent of the charge that was submitted.
when bodily injury is caused by an accident arising from the ownership,
However,if such services,supplies or care is not reimbursable under
maintenance or use of a motor vehicle. UMedicare Part B,as provided above,we will limit reimbursement to 80
1. Medical Expenses percent of the maximum reimbursable allowance under workers' U)
Pursuant to the requirements of Section 627.736(1)(a)of the Florida compensation,as determined under Section 440.13 of the Florida Statutes,
Statutes:eighty percent of reasonable expenses;for medical,surgical, and rules adopted thereunder which are in effect at the time such services,
X-ray,dental,and rehabilitative services,including prosthetic devices,and supplies or care is provided.Services,supplies or care that is not
ambulance,hospital and nursing services;which are medically necessary; reimbursable under Medicare or workers'compensation will not be
only if the injured person receives initial services and care within 14 days reimbursed by us.
after the motor vehicle accident.The methodology for determining the
Packet Pg. 3339
M.4.b
Policy endorsement Page 3 of 10
Policy number: 1961240 775
Policy effective date: October 10,2022
C
The applicable fee schedule or payment limitation under Medicare is the a) a hospital or ambulatory surgical center licensed under Florida
fee schedule or payment limitation in effect on March 1 of the service year Statutes chapter 395; C
in which the services,supplies or care is rendered and for the area in which b) an entity wholly owned by one or more physicians licensed under y
such services,supplies or care is rendered,and the applicable fee schedule Florida Statutes chapter 458 or 459,chiropractic physicians licensed C
or payment limitation applies to services,supplies,or care rendered during under Florida Statutes chapter 460,or dentists licensed under Florida
that service year,notwithstanding any subsequent change made to the fee Statutes chapter 466;or by such practitioners and the spouse,
schedule or payment limitation,except that it may not be less than the parent,child,or sibling of such practitioners;
allowable amount under the applicable schedule of Medicare Part B for c) an entity that owns or is wholly owned,directly or indirectly,by a
2007 for medical services,supplies and care subject to Medicare Part B. hospital or hospitals;
For purposes of this subparagraph,the term"service year"means the d) a physical therapist licensed under Florida Statutes chapter 486,but
period from March 1 through the end of February of the following year. only upon referral from:
i) a physician licensed under Florida Statutes chapter 458 or 459;
Notwithstanding the foregoing,where: 0
a) a medical provider has contracted with an organization or network to ii) a dentist licensed under Florida Statutes chapter 466;
accept payment for services in an amount that is less than the fee iii) a chiropractic physician licensed under Florida Statutes chapter 0
76
schedule or other limitations established by Section 627.736 of the 460;
iv) a physician assistant licensed under Florida Statutes chapter 0
Florida Statutes,or any other provisions of the Florida Motor Vehicle 458 or 459,to the extent permitted bylaw and under the CL
No-Fault Law as described above;and supervision of a provider listed in d.i),d.ii)or d.iii)above;or
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b) we contracted with that organization or network or one of its v) an advanced registered nurse practitioner licensed under M
affiliates,either directly or through one or more medical bill review Florida Statutes chapter 464,to the extent permitted bylaw cN
companies or third-party administrators,to apply and accept such and under the supervision of a provider listed in d.i),d.ii)or cN
contractually agreed amounts; d.iii)above;or
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then we will pay that provider's bills at eighty percent(80%)of the e) a health care clinic licensed under part X of Florida Statutes chapter
contractually agreed rate. 400 which is accredited by the Joint Commission on Accreditation of
Medical expense benefit provides reimbursement only for initial services Healthcare Organizations,the American Osteopathic Association,the
and care: Commission on Accreditation of Rehabilitation Facilities,or the
a) that are lawfully provided,supervised, ordered or prescribed by a Accreditation Association for Ambulatory Health Care,Inc.,or:
U
physician licensed under Florida Statutes chapter 458 or 459,a i) has a medical director licensed under Florida Statutes chapter
dentist licensed under Florida Statutes chapter 466 or a chiropractic 458,459 or 460; E
physician licensed under Florida Statutes chapter 460;or ii) has been continuously licensed for more than 3 years or is a
b) that are provided in a hospital or in a facility that owns,or is wholly publicly traded corporation that issues securities traded on an
owned by,a hospital;or exchange registered with the United States Securities and
c) provided by a person or entity licensed under part III of Florida Exchange Commission as a national securities exchange;and
Statutes chapter 401 which provides emergency transportation and iii) provides at least four of the following medical specialties:
treatment. (a) general medicine;
Upon referral from a provider described above,follow up services and care (b) radiography;(c) orthopedic medicine; E
consistent with the underlying medical diagnosis rendered pursuant to the (d) physical medicine;
above which may be provided,supervised,ordered or prescribed only by a (e) physical therapy;
physician licensed under Florida Statutes chapter 458 or 459,a (f) physical rehabilitation;
chiropractic physician licensed under Florida Statutes chapter 460,a
dentist licensed under Florida Statutes chapter 466,or,to the extent (g) prescribing or dispensing outpatient prescription
medication;or o
permitted by applicable law and under the supervision of such physician, q
osteopathic physician,chiropractic physician,or dentist,by a physician (h) laboratory services. o
assistant licensed under Florida Statutes chapter 458 or 459,or an However,the licensing requirement under this subparagraph e.does not o
advanced registered nurse practitioner licensed under Florida Statutes apply to: 9
chapter 464. i) an entity wholly owned by a physician licensed under chapter 458 or o
chapter 459,or by the physician and the spouse,parent,child,or a
Follow up services and care may also be provided by any of the following: sibling of the physician; <
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Packet Pg. 3340 Q
M.4.b
Policy endorsement
Policy number: 1961240 775
Q)Allstate.
Policy effective date: October 10,2022 Page 4 of 10
ii) an entity wholly owned by a dentist licensed under chapter 466,or The following definitions apply throughout the personal injury
by the dentist and the spouse,parent,child,or sibling of the dentist; protection section of the policy. C
0
iii) an entity wholly owned by a chiropractic physician licensed under 1. Bodily injury means bodily harm,sickness,disease or death.
chapter 460,or by the chiropractic physician and the spouse,parent,
child,or sibling of the chiropractic physician; 2. Insured motor vehicle means a motor vehicle:
iv) a hospital or ambulatory surgical center licensed under chapter 395; a) you own;
v) an entity that wholly owns or is wholly owned,directly or indirectly, b) for which security is required to be maintained under the
by a hospital or hospitals licensed under chapter 395; Florida Motor Vehicle No-Fault Law,and
vi) an entity that is a clinical facility affiliated with an accredited medical c) i) for which a premium is charged,or
school at which training is provided for medical students,residents, ii) is a trailer designed for use primarily with a
or fellows;or motor vehicle.
vii) an entity that is certified under 42 C.F.R.part 485,subpart H. 3. Injured person means:
Medical expense benefits do not include massage as defined in s.480.033 a) Within the State of Florida:
of the Florida Statutes or acupuncture as defined in s.457.102 of the i) You or a resident relative while in,on,getting into or out 0
Florida Statutes,regardless of the person,entity or licensee providing the of,or struck while a pedestrian by a motor vehicle. y
massage or acupuncture.Licensed massage therapists or licensed ii) Any other person while in,on,getting into or out of the
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acupuncturists will not be reimbursed for medical expense benefits. insured motor vehicle. CL
We will not a for medical services,supplies or care that is not Cn
iii) Any other persons struck by the insured motor vehicle
reimbursable under Medicare or under Florida workers'compensation law. while not an occupant of aself-propelled vehicle if that
If a healthcare provider takes action against the injured person to recover person is a resident of Florida.
for services billed and not paid,we will defend and,if necessary,indemnify b) Outside the State of Florida:
the injured person up to the policy limits. i) You or a resident relative while in,on,getting into or out
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of the insured motor vehicle.
2. Income Loss ii) You while in,on,getting into or out of a motor vehicle
Sixty percent of loss of income and earning capacity from inability to work owned by a resident relative for which security is
caused directly by the injury sustained in the auto accident.Income loss required to be maintained under the Florida Motor
benefits end upon the death of the injured person. Vehicle No-Fault Law.
U
3. Loss of Services 4. Motor Vehicle means any self-propelled vehicle with four or more
All reasonable expenses incurred in obtaining from others ordinary and wheels which is of a type both designed and required to be licensed
necessary services usually performed by the injured person without for use on the highways of Florida and any trailer or semi-trailer
income for the benefit of the family or family household.Loss of services designed for use with such vehicle.
benefits end upon the death of the injured person. A Motor Vehicle does not include:
U)
4. Death Benefits a) any motor vehicle which is used in mass transit,other than
Benefits due to the death of an injured person.The death benefit is public school transportation,and designed to transport more
$5,000 per deceased injured person.Death benefits are in addition to than five passengers exclusive of the operator of the motor
Medical Expenses,Income Loss and Loss of Services benefits.We may pay vehicle and which is owned by a municipality,a transit E
death benefits to:the executor or administrator of the deceased injured authority,or a political subdivision of the state;or
person;to any of the deceased injured person's relatives by blood, b) a mobile home U
marriage or adoption;or to any person that is entitled to such benefits.
5. Medically necessary means a medical service or supply that a
Payments will be made only when bodily injury is caused by an accident prudent physician would provide for the purpose of preventing, U
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arising from the ownership,maintenance or use of a motor vehicle. diagnosing,or treating an illness,injury,disease,or symptom in a
We shall create and maintain a log of Personal Injury Protection
manner that is:
benefits paid by us on behalf of the injured person.If litigation is a) in accordance with generally accepted standards of medical 0
commenced,we shall provide you a copy of the log within 30 days practice;
after receiving a request. b) clinically appropriate in terms of type,frequency,extent,site, Y.
and duration;and
Additional Definitions Under Personal Injury Protection
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Packet Pg. 3341
M.4.b
Policy endorsement Page 5 of 10
Policy number: 1961240 775
Policy effective date: October 10,2022
c) not primarily for the convenience of the patient,physician,or SUBJECT TO THAT$10,000 AGGREGATE LIMIT,MEDICAL
other health care provider. EXPENSES PER INJURED PERSON FOR ONE ACCIDENT are ALSO �
6. Emergency medical condition means a medical condition which subject to EITHER a$10,000 or a$2,500 per injured person limit
manifests itself by acute symptoms of sufficient severity,which determined as follows:
may include severe pain,such that the absence of immediate A$10,000 coverage limit for Medical Expenses applies to an injured
medical attention could reasonably be expected to result in any of person if:
the following: 1. a physician licensed under Florida Statutes chapter 458 or 459;
a) serious jeopardy to patient health;b) serious impairment to bodily functions;or 2. a dentist licensed under Florida Statutes chapter 466;
c) serious dysfunction of any bodily organ or part. 3. a physician assistant licensed under Florida Statutes chapter 458 or
Exclusions—What Is Not Covered 459;or
This coverage does not apply: 4. an advanced registered nurse practitioner licensed under Florida U
1. to you or any resident relative while in,on,getting into or out of a Statutes chapter 464; -
motor vehicle which you own that is not an insured motor vehicle has determined that the injured person had an emergency medical y
under this policy. 0
condition.
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2. to any person while operating the insured motor vehicle without CL
your permission.
However,a$2,500 coverage limit for Medical Expenses applies to an
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injured person if: M
3. to any person whose conduct contributed to a self injury: 1. a physician licensed under Florida Statutes chapter 458 or 459; cN
a) intentionally caused;or cN
b) while committing a felony. 2. a dentist licensed under Florida Statutes chapter 466;
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4. to any person,other than you,if that person owns a motor vehicle 3. a chiropractic physician licensed under Florida Statutes chapter 460;
for which security is required under the Florida Motor Vehicle 4. a person or entity licensed under part III of Florida Statutes chapter
No-Fault Law. 401 which provides emergency transportation and treatment;
5. to any person,other than you or a resident relative,who is entitled 5. a physician assistant licensed under Florida Statutes chapter 458 or
to no-fault benefits from the owner or insurer of a motor vehicle 459; U
which is not an insured motor vehicle under this insurance. 6. an advanced registered nurse practitioner licensed under Florida
6. to any person who sustains bodily injury while in,on,getting into or Statutes chapter 464;or
out of a motor vehicle while located for use as a residence or
7. a physical therapist licensed under Florida Statutes chapter 486,
premises. based upon a referral by a provider described in(1),(2),(3),(5)or(6)
7. to you or a resident relative for Income Loss if the Policy above;
Declarations indicates that Income Loss coverage does not apply. has determined that the injured person did not have an emergency
8. to bodily injury arising out of the use of your insured motor medical condition.
vehicle while it is being used as part of a Personal Vehicle Sharing g
Expenses and losses will be reduced by:
Program. 1. amounts paid or payable for the same items of loss and expense
This exclusion does not apply to an insured person using a under any workers'compensation law.
non-owned motor vehicle with the permission of the vehicle's 2. amounts received from any insurer for the same items of loss and
owner. expense for which benefits are available under this policy.This o
Limits Of Liability reduction applies only to amounts that are a duplication of payment o
The applicable Personal Injury Protection limit(s)shown on the Policy for the same loss or expense.The insurer paying these benefits, q
Declarations for Medical Expenses,Income Loss,Loss of Services and however,will be entitled to recover from us an equitable pro rata 0 o
Death Benefits is the maximum we will pay per injured person for any share of the benefit paid and expenses incurred in processing
one motor vehicle accident,regardless of the number of vehicles insured the claim. o
under this or other policies.A$10,000 aggregate per injured person limit N
applies to Medical Expenses,Income Loss,and Loss of Services.
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Packet Pg. 3342 Q
M.4.b
Policy endorsement
Policy number: 1961240 775
Q)Allstate.
Policy effective date: October 10,2022 Page 6 of 10
3. the amount of any deductible stated on the Policy Declarations.This Action Against Us
will not apply to Death Benefits. No one may sue us under this coverage unless: C
In the event any benefits are paid to the injured person under the 1. there is full compliance with all the terms of this policy;
Medicaid program we will repay the full amount to Medicaid within 30 2. a demand letter has been provided pursuant to Florida Statutes
days after receiving notice that Medicaid paid the benefits. Section 627.736(10);and
3. such action is commenced within the time limits prescribed by
Claims will be paid in the order received except:(1)where otherwise Florida law.
provided by the Florida Motor Vehicle No-Fault Law;or(2)where the
injury is investigated or disputed by us as not being related to the loss,or Proof Of Claim;Medical Reports
treatment is investigated or disputed by us as not being reasonable or
As soon as possible,you or any other person making claim must give us
medically necessary.We can proceed to pay other claims that are later
written proof of claim including all details reasonably required by us to U
received without incurring any liability for the prior disputed or determine the amounts payable.
investigated claim amounts if limits are exhausted after paying later If the mental or physical condition of an injured person is material to any U
received claims. claim under this coverage,that person may be required to submit to -
mental or physical examinations by physicians we choose,as often as we
Any amounts payable under this coverage shall be subject to any and all y
reasonably require.The person making the claim or that person's 0
limitations,authorized by Section 627.736 of the Florida Statutes,or any representative must authorize us to obtain medical reports and copies of CL
other provisions of the Florida Motor Vehicle No-Fault Law,as enacted, CL
medical and other records related to the claim.If an injured person
amended or otherwise continued in the law,including,but not limited to, unreasonably refuses to submit to an examination or fails to appear at an M
all fee schedules. examination,we are not required to pay any subsequent Personal Injury
If we pay a portion of a claim or reject a claim due to an alleged error in Protection benefits.Under Florida law,an insured's refusal to submit to or
the claim,we shall provide an itemized specification or explanation of failure to appear at two examinations raises a rebuttable presumption that
benefits due to the specified error at the time of the partial payment or the refusal or failure was unreasonable.We will pay the expense of any
rejection.Upon receiving the specification or explanation,the person examinations we request.
making the claim,at his or her option and without waiving any other legal Such examination shall be conducted within the municipality of residence
remedy for payment,has 15 days to submit a revised claim,which shall be
considered a timely submission of written notice of claim. of the injured person or in the municipality where the injured person is
receiving treatment.If there is no qualified physician to conduct the
In the event of a dispute between you and us,or your assignee and us, examination within such municipality,then such examination shall be
upon your or your assignee's request,we must notify you or your conducted in an area of the closest proximity to the injured person's E
assignee that your Personal Injury Protection policy limits have been residence.
reached within 15 days after the policy limits have been reached.
If we have a reasonable belief that a fraudulent insurance act,for the
Once aggregate payments for Medical Expenses,Income Loss and Loss of purposes of s.626.989 of the Florida Statutes or s.817.234 of the Florida
Services benefits equal to the limit of liability have been made,no further Statutes,has been committed,we will notify the claimant,in writing,
obligation to pay benefits remains,regardless of when claims for such within 30 days after submission of the claim that the claim is being
benefits were submitted or received. investigated for suspected fraud.No later than 90 days after the U)
submission of the claim,we will deny or pay the claim. C
Unreasonable Or Unnecessary Medical Expenses .
If an injured person incurs medical expenses which we deem to be Notwithstanding the foregoing,if we make a written request for
unreasonable or unnecessary,we may refuse to pay for those medical documentation or information in accordance with s.627.736(6)(b)of the c�
expenses and contest them. Florida Statutes within 30 days after having received notice of the amount
If the injured person is sued by a medical services provider because we of a covered loss under s.627.736(4)(a)of the Florida Statutes,the
amount or the partial amount that is the subject of our inquiry shall
refuse to pay medical expenses which we deem to be unreasonable or become overdue if we do not pay in accordance with s.627.736(4)(b)of
unnecessary,we will pay resulting defense costs and any resulting the Florida Statutes or within 10 days after our receipt of the requested
judgment against the insured person.We will choose the counsel.The documentation or information,whichever occurs later. 0
insured person must cooperate with us in the defense of any claim or
lawsuit.If we ask an injured person to attend hearings or trials,we will Assistance And Cooperation
pay up to$100 per day for loss of wages or salary. We will pay other We will require you and any injured person making a claim to cooperate
reasonable expenses incurred at our request. with us in the investigation,settlement or defense of any claim or suit.
This includes,but is not limited to;assisting us in making settlements,
Packet Pg. 3343
M.4.b
Policy endorsement Page 7 of 10
Policy number: 1961240 775
Policy effective date: October 10,2022
securing evidence,obtaining evidence,and in conducting suits;disclosing damages consisting of pain,suffering,mental anguish,or inconvenience unless
all facts;attending hearings and trials;helping us recover from anyone the injury or disease consists in whole or in part of: C
who may be jointly responsible;giving us a recorded statement,a written 1. significant and permanent loss of an important bodily function; y
statement,a video-recorded statement,records and/or documents;when 2. permanent injury within a reasonable degree of medical probability,other C
requested by us,as often as we reasonably require.You and any injured than scarring or disfigurement;
person making a claim shall be required,at our option,to submit to an 3. significant and permanent scarring or disfigurement;or
examination under oath,separately and apart from others,and to sign the 4. death.
transcript.The person submitting to the examination under oath may be
re resented b counsel at their own ex ense.The sco a of uestionin The bodily injury must be caused by accident and arise out of the ownership,
d uing the examination under oath is limited to relevant information or maintenance or use of an uninsured auto.We will not pay any punitive or
information that could reasonably be expected to lead to relevant
exemplary damages. U
information.Compliance with a request for examination under oath is a If an insured person sues a person believed to be responsible for the accident
condition precedent to receiving benefits under this coverage.If you or without our written consent,we are not bound by any resulting judgment. U
any injured person making a claim does not comply with the terms of this Additional Definitions For Uninsured Motorists Insurance 0
provision we are not required to pay any benefits under this coverage. 1. Bodily injury means bodily harm,sickness,disease or death,but does not y
Reimbursement And Subrogation include:
CL
Unless prohibited by the Florida Motor Vehicle No-Fault Law,as amended, a) any venereal disease; CL
and in the event of payment to or for the benefit of any injured person b) herpes; <-
under this insurance: or any resulting symptom,effect,condition,disease or illness related to a) Q
1. If the accident occurs outside the state of Florida,we are subrogated or b)listed above unless there is a causal connection or relation between c14
to the rights of the person to whom or for whose benefit such an accident arising from the ownership,maintenance or use of a motor
CL
payments were made to the extent of such payments.Such person vehicle and the transmission of the venereal disease or herpes.
shall execute and deliver the instruments and papers and do
whatever else is necessary to secure such rights.Such person shall do 2. Insured Auto means an auto you own which is described on the Policy
nothing after loss to prejudice such rights;and Declarations and for which a premium is shown for Uninsured Motorists
Insurance.This also includes:
2. We shall be entitled to reimbursement to the extent of the payment a) its replacement auto;
of Personal Injury Protection benefits made under this insurance b) an additional auto; U
from the owner or insurer of the owner of a commercial motor c) a substitute auto;or
vehicle,other than a taxi cab,as defined by the Florida Motor d) a non-owned auto;or
Vehicle No-Fault Law,if such injured person sustained the injury e) a trailer or travel-trailer.
while in,on,getting into or out of,or while a pedestrian through 3. Insured Person(s)means:
being struck by,such commercial motor vehicle. a) you and any resident relative.
b) any person while in,on,getting into or out of,or getting on or off of,
All other policy terms and conditions apply. an insured auto with your permission.
c) any other person who is legally entitled to recover because of bodily
injury to you,a resident relative,or an occupant of your insured
auto with your permission.
4. Motor vehicle means a land motor vehicle,trailer or travel-trailer
The following endorsement changes your policy. other than
Please read this document carefully and keep it with your policy. a) a vehicle or other equipment designed for use principally off public
roads,while not upon public roads; o
Florida Uninsured Motorists Insurance— b) a vehicle operated on rails or crawler-treads;or U
Coverage ST-ACR210-1 c> a vehicle when used as a residence or premises. o
(Ed.08/22) 5. Uninsured auto means:
We will pay only those damages which an insured person is legally entitled to a) a motor vehicle which has no bodily injury liability bond or insurance o
recover from the owner or operator of an uninsured auto because of bodily policy in effect at the time of the accident; N
injury sustained by an insured person,except that we will not pay for E
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Packet Pg. 3344
M.4.b
Policy endorsement
Policy number: 1961240 775
Q)Allstate.
Policy effective date: October 10,2022 Page 8 of 10
b) a motor vehicle,other than a motor vehicle insured under the subrogation against the underinsured motorist and the liability insurer for
liability portion of this policy,for which the insurer denies coverage; the amounts paid to the injured person. C
c) a motor vehicle for which the insurer becomes insolvent within four 2 the direct or indirect benefit of workers'compensation or disability
years from the date of the accident.This coverage will be excess over benefits insurer,including aself-insurer.
any obligations assumed by the Florida Insurance Gua ranty
Association to pay claims,but not contingent upon payment of such 3. any person arising out of the insured persons active participation in any
obligations; prearranged,organized,or spontaneous:
d) a hit-and-run motor vehicle which causes bodily injury to an a) racing contest;
insured person as the result of a motor vehicle accident.The b) speed contest;or
identity of either the operator or owner of the vehicle must be c) use of an auto at a track or course designed or used for racing or
unknown.The accident must be reported within 24 hours,or as soon high performance driving;
as practicable,to the police.We must be notified within 30 days,or or in practice or preparation for any contest or use of this type. 0
as soon as practicable.If the hit-and-run motor vehicle caused the U
injury without physical contact with the insured person or the 4. bodily injury arising out of the use of an insured auto while used by an -
vehicle the insured person was occupying,the facts of the accident insured person to carry persons,products or property for any form of 76
must be proved.If the insured person was occupying the insured compensation,including but not limited to fees,delivery charges or wages
auto at the time of the accident,we have a right to inspect it; generally. CL
CL
e) a motor vehicle insured under the liability portion of this motor This exclusion does not apply to shared-expense car pools.
vehicle insurance policy which causes bodily injury to you or a M
resident relative while being operated by a person other than you or 5. bodily injury arising out of the use of your insured auto while it is cN
a resident relative and which is excluded under the liability portion being used as part of a Personal Vehicle Sharing Program.
of this policy;or This exclusion does not apply to an insured person using a non-owned CL
f) an underinsured motor vehicle.An underinsured motor vehicle is motor vehicle with the permission of the vehicle's owner.
one which has liability protection in effect and applicable at the time
If the Policy Declarations indicates that under the Uninsured Motorists
of the accident but in an amount less than the damages the insured Insurance provision,the limits of two or more insured autos may not be
person is legally entitled to recover. stacked together,the following Exclusions also apply:
An uninsured auto is not a vehicle insured under the liability portion of
6. any person while in,on,getting into or out of a vehicle you own which is U
this motor vehicle insurance policy,unless that auto causes bodily injury insured for this coverage under another policy.
to you or a resident relative while being operated by a person other than
you or a resident relative and which is excluded under the liability portion 7. you or a resident relative while in,on,getting into or out of a vehicle
of this policy. owned by you or a relative who resides in your household which is not
Exclusions—What Is Not Covered insured for this coverage under this policy.
Regardless of the type of coverage under Uninsured Motorists Insurance,this Limits Of Liability
coverage does not apply to: 1. When limits of two or more insured autos may be stacked:
1. any person who makes a settlement without our written consent and that If the Policy Declarations indicates that,under the Uninsured Motorist U)
settlement is prejudicial to our company.However this does not apply if Insurance provision,the limits of two or more insured autos may be 0
an injured person or,in the case of death,the personal representative of stacked together,the Uninsured Motorists Insurance limit shown on the
such person agrees to settle a claim with a liability insurer and its insured, Policy Declarations for:
and such settlement does not fully satisfy the claim so as to create an a) "each person"is the maximum that we will pay for all damages
underinsured motorist claim.Written notice of the proposed settlement arising out of bodily injury to one person in any one motor vehicle
must be submitted to us by certified or registered mail. We shall then have accident,including damages sustained by anyone else as a result of
thirty(30)days after receipt thereof to consider authorization of the that bodily injury.
settlement or retention of our subrogation rights.If we choose to preserve U)
our subrogation rights,we shall refuse permission to settle the claim and When the limits of two or more insured autos are stacked,our �
shall then,within thirty(30)days after receipt of notice of the proposed maximum limit of liability for all damages to you or a resident
relative in any one accident is the sum of the"each person"limits for
settlement,pay to the injured person(s)the amount of the written offer each insured auto shown on the Policy Declarations.
from the liability insurer and/or insured.We shall then,upon final
resolution of the underinsured motorist claim,be entitled to seek b) "each accident"is the maximum that we will pay for all damages
arising out of bodily injury to two or more persons in any one motor
Packet Pg. 3345
M.4.b
Policy endorsement Page 9 of 10
Policy number: 1961240 775
Policy effective date: October 10,2022
vehicle accident.This"each accident"limit is subject to the"each b) all amounts payable under any workers'compensation law,disability
person"limit. benefits law,or similar law,Automobile Medical Payments,or any C
When the limits of two or more insured autos are stacked,subject similar automobile medical payments coverage, Personal Injury
to the limit for"each person,"our maximum limit of liability for all Protection benefits provided under this policy or any no-fault
damages to two or more persons in any one accident is the sum of
benefits provided under any other auto policy.
the"each accident"limits for each insured auto shown on the Policy If There Is Other Insurance
Declarations. 1. When limits of two or more insured autos may be stacked:
2. When limits of two or more insured autos may not be stacked: If the injured person was struck as a pedestrian or in,on,getting into or
If the Policy Declarations indicates that,under the Uninsured Motorists
out of a vehicle which is insured for this coverage under another policy,
Insurance coverage,the limits of two or more insured autos may not be
this coverage will be excess. U
stacked together,the Uninsured Motorists Insurance limit shown on the If more than one policy applies to the accident on a primary basis, we will
Policy Declarations for: bear our proportionate share of the damages payable. cj
a) "each person"is the maximum that we will pay for all damages 2 When limits of two or more insured autos may not be stacked: 0
arising out of bodily injury to one person in any one motor vehicle If the injured person was struck as a pedestrian or in,on,getting into or 76
y
accident,including damages sustained by anyone else as a result of
that bodily injury. out of a vehicle you do not own which is insured for this coverage under
CL
b) "each accident"is the maximum that we will pay for all damages another policy,this coverage will be excess.This means that when the
CL
arising out of bodily injury to two or more persons in any one motor injured person is legally entitled to recover damages in excess of the other
vehicle accident.This"each accident"limit is subject to the"each policy limit,we will pay up to your policy limit,except that we will not pay
person"limit. for damages consisting of pain,suffering,mental anguish,or inconvenience
unless the injury or disease consists in whole or in part of:
CL
These limits are the maximum we will pay for anyone motor vehicle a) significant and permanent loss of an important bodily function;
accident regardless of the number of: b) permanent injury within a reasonable degree of medical probability,
a) claims made; other than scarring or disfigurement;
b) insured persons; c) significant and permanent scarring or disfigurement;or
c) vehicles stated on the Policy Declarations;or d) death.
d) vehicles involved in the accident. This applies only after all other collectible insurance has been exhausted.
U
The Uninsured Motorists Insurance limits apply to each insured motor If more than one policy applies to the accident on a primary basis,the total
vehicle as stated on the Policy Declarations.If you are struck as a benefits payable to any one person will not exceed the maximum benefits
pedestrian or are a passenger in a non-owned auto,you are entitled to payable by the policy with the highest limit for uninsured motorists
select the highest limits of Uninsured Motorists Insurance available on benefits.We will bear our proportionate share.This applies no matter how
any one motor vehicle for you or a resident relative. many autos or auto policies may be involved whether written by us or
3. Regardless of whether the Policy Declarations indicates that the limits of another company.
two or more insured autos may be stacked,or may not be stacked Assistance And Cooperation:Additional Duties
together for Uninsured Motorists Insurance,if bodily injury is We will require you and any insured person making a claim to cooperate with
sustained in a motor vehicle accident by any person other than you or a us in the investigation,settlement or defense of any claim or suit.This includes,
resident relative,our maximum limit of liability for all damages arising but is not limited to;assisting us in making settlements,securing evidence,
out of bodily injury to any person other than you or a resident relative is obtaining evidence,and in conducting suits;disclosing all facts;attending c:
the limit of liability shown on the Policy Declarations applicable to the hearings and trials;helping us recover from anyone who may be jointly
vehicle the insured person was occupying at the time of the motor responsible;giving us a recorded statement,a written statement,a
vehicle accident.This is the most we will pay regardless of the number of: video-recorded statement,records and/or documents;when requested by us,as o
a) claims made; often as we reasonably require.You and any insured person making a claim o
b) vehicles or persons stated on the Policy Declarations;or shall be required,at our option,to submit to an examination under oath, o
c) vehicles involved in the accident. separately and apart from others,and to sign the transcript.The person 0 o
4. Damages payable will be reduced by: submitting to examination under oath may be represented by counsel at their o
a) all amounts aid b the owner or o erator of the uninsured auto or own expense.We may require you and any insured person to take appropriate o
p y p action to preserve all rights to recover damages from anyone responsible for the N
anyone else responsible,including all sums paid or payable under the bodily injury.If you or any insured person making a claim does not comply
bodily injury liability coverage of this or any other auto policy;andCO
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Packet Pg. 3346 )
M.4.b
Policy endorsement
Policy number: 1961240 775
Q)Allstate.
Policy effective date: October 10,2022 Page 70 of 10
with the terms of this provision we are not required to pay an y benefits under If We Cannot Agree
this coverage. If the insured person and we do not agree on that person's right to receive any C
Proof Of Claim;Medical Reports damages or the amount of that person's damages,then the disagreement will be ,
If the mental or physical condition of an insured person is material to any claim resolved in a court of competent jurisdiction.
1-
under this coverage,that person may be required to submit to mental or Notwithstanding this provision,should the insured person and we mutually M
physical examinations by physicians we choose,as often as we reasonably agree to arbitrate the disagreement,the Florida Arbitration Code will not apply
require.The person making the claim or that person's representative must unless the insured person and we mutually agree to apply that code.
authorize us to obtain medical reports and copies of medical and other records
related to the claim.If an insured person unreasonably refuses to submit to an 0
examination or fails to appear at an examination, we are not required to pay any All other policy terms and conditions apply.
subsequent Uninsured Motorists Insurance benefits.We will pay the expense
of any examinations we request. 0
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Such examination shall be conducted within the municipality of residence of the -
insured person or in the municipality where the insured person is receiving 76
treatment.If there is no qualified physician to conduct the examination within
such municipality,then such examination shall be conducted in an area of the CL
CL
closest proximity to the insured person's residence.
Action Against Us M
No one may bring an action against us in any way related to the existence or c14
amount of coverage,or the amount of loss for which coverage is sought,under
CL
Uninsured Motorists Insurance,unless there is full compliance with all policy
terms and the action is commenced within 5 years or the time limits prescribed
by Florida law.
If any insured person sues a person believed responsible for the accident
without our written consent,we aren't bound by any resulting judgment.
U
Trust Agreement
When we pay any person under this coverage: E
1. We are entitled to repayment of amounts paid by us and related collection
expenses out of the proceeds of any settlement or judgment that person
recovers from any responsible party or insurer. We are not entitled to
repayment until after the person we have paid under this coverage has
been compensated for all damages that person was legally entitled to
recover.
U)
2. All rights of recovery against any responsible party or insurer must be 0
maintained and preserved for our benefit.
3. If we ask,insured person(s)must take appropriate action in their name
to recover damages from any responsible party or insurer. We will select
the attorney and we will pay all related costs and fees.We will not ask the
insured person to sue the insured of an insolvent insurer.
Payment Of Loss By Us U)
Any amount due is payable to the insured person,to the parent or guardian of
an injured minor,or to the spouse of any insured person who dies.However,
we may pay any person lawfully entitled to recover the damages.
c�
Packet Pg. 3347
M.4.b
Important notices Page 1 of 13
Policy number: 1961240 775
Policy effective date: October 10,2022
•
Important Information Concerning Your
Under Additional Payments We Will Make,we have
revised item 2 to give additional details regarding the C
Personal Injury Protection Insurance court costs for defense payments. y
For personal injury protection insurance,the named insured ' Under Additional Definitions For Part I,we have
may elect a deductible and to exclude coverage for loss of revised the definition of'insured person'to include
gross income and loss of earning capacity("lost wages"). any resident relative using a four-wheel private
These elections apply to the named insured alone or to the passenger auto or utility auto.
named insured and all dependent resident relatives.A . Under Exclusions—What Is Not Covered,we have
premium reduction will result from these elections.The named replaced item 3 to exclude bodily injury or property
insured is hereby advised not to elect the lost wage exclusion if damage arising out of the use of your insured auto
the named insured or dependent resident relatives are while it is rented to, leased to,or provided in exchange
employed,since lost wages will not be payable in the event of for a charge to,any person or organization by or with U
an accident. the permission of an insured person (only if damages -
X7137 are in excess of the minimum limits of lability coverage
required by the state),or being used as part of a
Personal Vehicle Sharing Program. CL
Notice Of Changes To Your PolicyCL
� In Part 2—Automobile Medical Payments Coverage CC,
From time to time Allstate will revise your coverage.We've under Exclusions—What Is Not Covered,we have replaced c"
included an Amendatory Endorsement in this mailing package item 5 to exclude bodily injury arising out of the use of your '
that changes parts of your contract. Please read this insured auto while it is rented to, leased to,or provided in
CL
endorsement and keep it with your policy. exchange for a charge to,any person or organization by or
with the permission of an insured person,or being used as
We're also providing you with the following summary.We part of a Personal Vehicle Sharing Program.
hope you find it informative and useful, but keep in mind that
it's not part of your contract.Always reference your policy ' In Part 3—Protection Against Loss To The Auto, under
documents for your exact coverage details. Exclusions—What Is Not Covered,we have replaced item
12 to exclude any loss arising out of the use of your insured U
If you have any questions,we're here to help.Visit our Help auto while it is rented to, leased to,or provided in
Center in the Allstate® mobile app or allstate.com/help. exchange for a charge to,any person or organization by or
with the permission of an insured person,or being used as
part of a Personal Vehicle Sharing Program.
Summary of Changes 0 In Florida Personal Injury Protection Coverage-VA and
Florida Uninsured Motorists Insurance-Coverage ST,
In the General Provisions,we have made the following under Exclusions—What Is Not Covered,we have added
changes: an item to exclude bodily injury arising out of the use of
your insured auto while it is being used as part of a
• We have revised the Where Lawsuits May Be Brought
Personal Vehicle Sharing Program.
provision to specify that unless we agree otherwise, XC7336
legal action against us must be brought in a court of
competent jurisdiction in the county where the
covered auto is principally garaged.
An Outline to the Major Coverages in
• Under Definitions Used Throughout The Policy,we o
have added a definition for Personal Vehicle Sharing Your Allstate Auto Policy o
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Program. We are providing you with this outline which highlights the
In Part I—Automobile Liability Insurance, Bodily Injury principal coverages,optional coverages, limitations and o
Liability and Property Damage Liability Coverages AA and exclusions of your auto policy,and provides information on N
BB,we have made the following changes: policy cancellation, non-renewal,deductibles and the £�
discounts that we offer and the surcharges that may be applied a00
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M.4.b
Important notices
Policy number: 1961240 775
WAllstate.
Policy effective date: October 10,2022 Page 2 of 13
to your policy. Please be aware, however, this is just a guide require the Attorney General of the United States to
and not a legal contract,and that all coverages are subject to defend that person in any civil action or proceeding. a
policy terms and conditions.Please read your auto policy, Item 2-we revised this exclusion to state that we do not y
endorsements and Policy Declarations for complete cover loss arising out of the use of an insured auto to carry
descriptions and details. persons or property for any form of compensation.This
item now uses the defined term"shared-expense car
TO THE EXTENT THERE IS ANY DIFFERENCE BETWEEN THE pool."
INFORMATION CONTAINED IN THIS NOTICE AND THE Item 3-we added an exclusion which specifically excludes
TERMS AND CONDITIONS OF YOUR POLICY,THE POLICY • coverage for bodily injury or property damage arising out
TERMS AND CONDITIONS SHALL GOVERN. g i J Y P P Y g e
of the use of your insured auto while it is rented to,leased
For your convenience,we have listed all of the principal to,or loaned for a charge to,any person or organization by
coverages,limits,deductibles and the itemized premiums or with the permission of an insured person,with some
which apply to each specific coverage that your policy provides exceptions. cj
on the enclosed Policy Declarations. Please note that your 0 Item 4-we added"leasing"to the list of examples of -
current policy provides only those coverages which are excluded motor vehicle business operations.
indicated on your Policy Declarations. If you have any 0 Item 6-with this item,we exclude coverage for bodily
questions,please do not hesitate to call your Allstate Agent. injury or property damage arising out of the ownership, CL
CL
NOTE:The following outline of coverage is for informational maintenance or use of a motor vehicle with less than four
purposes only.Florida law prohibits this outline from wheels. C,
changing any of the provisions of the insurance contract ' Item 11 has been revised this exclusion to more broadly
which is the subject of this outline.Any endorsement state that loss which would also be covered under nuclear -.
regarding changes in types of coverage,exclusions, energy liability insurance is excluded.
CL
limitations,reductions,deductibles,coinsurance,renewal ' Item 13-we added a new exclusion which specifically
provisions,cancellation provisions,surcharges or credits will excludes coverage for bodily injury or property damage
be mailed separately. arising out of the use of a trailer or travel-trailer that is not
attached to an auto which is an insured auto. Note: The
Automobile Liability Insurance Bodily exclusion does not apply if the trailer or travel-trailer
Injury-Coverage AA,and Property suddenly and accidentally becomes detached from the U
auto immediately before the accident. CU
Damage-Coverage BB E
Item 14-we added a new exclusion which specifically CU
These coverages pay for all damages that an insured person is excludes coverage for any liability an insured person
legally obligated to pay because of bodily injury or property assumes arising out of any contract or agreement other
damage.Your policy also protects an insured person from
than a rental or leasing agreement. CU
claims for accidents arising out of the ownership, maintenance, . Item 15-we added a new exclusion which specifically
use, loading or unloading of an insured auto. Bodily Injury excludes coverage for bodily injury or property damage
Liability-Coverage AA is an optional coverage that can be arising out of the use of a trailer or travel-trailer while it is U)
added to your policy for an additional premium. parked for use as a residence,or as an office,display
This coverage is subject to the exclusions,terms and space,or storage space. CU
conditions described in the policy. Automobile Medical Payments-Coverage CC
Under Exclusions—What Is Not Covered,we have made If a premium is shown on the Policy Declarations for
several changes. In some cases,we have revised Automobile Medical Payments-Coverage CC,Allstate will pay
exclusions that were already a part of your policy; in other to or on behalf of an insured person for medically necessary
cases,we have renumbered exclusions and added new
treatment actually provided to the insured person within 3
exclusions.All item numbers below refer to the items as Years of a covered auto accident because of bodily injury.
reflected in the revised policy forms: Payments will be made only:when bodily injury is caused by a 0
Item 1 is added. It excludes coverage while the insured motor vehicle accident;for medical,surgical,X ray,dental,and
auto is used by any person as an employee of the United rehabilitative services, including prosthetic devices,and
States government.This exclusion applies only if the ambulance, hospital and nursing services;which are medically
provisions of the Federal Tort Claims Act,as amended, necessary;only if the insured person receives initial services E
and care within 14 days after the motor vehicle accident.The
Packet Pg. 3349
M.4.b
Important notices Page 3 of 13
Policy number: 1961240 775
Policy effective date: October 10,2022
methodology for determining the amount we will pay for such Organizations,the American Osteopathic Association,the
expenses shall be pursuant to the fee schedule limitations Commission on Accreditation of Rehabilitation Facilities, a
under the Florida Motor Vehicle No-Fault Law,and shall be or the Accreditation Association for Ambulatory Health
limited to the schedule of maximum charges set forth in the Care, Inc.,or:
policy. a) has a licensed medical director;
Where a medical provider has contracted with an organization b) has been continuously licensed for more than 3 years
or network to accept payment for services in an amount that is or is a publicly traded corporation;and
less than the fee schedule or other limitations established by
c) provides at least four of the following medical
the Florida Motor Vehicle No-Fault Law;and Allstate specialties:general medicine; radiography;orthopedic 0
contracted with that organization or network or one of its medicine; physical medicine; physical therapy;
affiliates,either directly or through one or more medical bill physical rehabilitation; prescribing or dispensing
review companies or third-party administrators,to apply and outpatient prescription medication;or laboratory
accept such contractually agreed amounts;then Allstate will services. U
4-
pay that provider's bills at the contractually agreed rate. Automobile Medical Payments coverage does not include 0
Automobile Medical Payments provides reimbursement only massage or acupuncture. y
for initial services and care: (i)that are lawful) provided,Y P We will not pay for medical services,supplies or care that is t.
CL
ordered or prescribed by a licensed physician,dentist or not reimbursable under Medicare or workers'compensation
chiropractic physician;or(ii)that are provided in a hospital or law. If a healthcare provider takes action against the insured
in a facility that owns,or is wholly owned by,a hospital;or(iii) person to recover for services billed and not paid,we will C14
provided by a licensed person or entity which provides defend and,if necessary, indemnify them up to the policy c14
emergency transportation and treatment. limits. CL
Upon referral from a provider described in (i)through (iii) Notwithstanding the above limitation,we will pay:expenses
above,follow up services and care consistent with the not paid under Part III of the policy because of the eighty
underlying medical diagnosis rendered may be provided, percent limitation for medical expense benefits;expenses not
supervised,ordered or prescribed only by a licensed physician, paid under Part III of the policy or under any no-fault benefits in
chiropractic physician or dentist,or to the extent permitted by any other motor vehicle policy because all available medical
applicable law and under the supervision of such physician, expense benefits have been exhausted;or expenses for bodily t)
osteopathic physician,chiropractic physician or dentist, by a injury sustained outside the state of Florida through being CU
licensed physician assistant or a licensed advanced registered struck while in,on,getting into or out of,or struck while a CU
nurse practitioner. pedestrian by a motor vehicle.
Follow up services and care may also be provided by any of the There is no coverage under Automobile Medical Payments for
CU
following: mileage costs for use of a personal vehicle.
1. a licensed hospital or ambulatory surgical center; T
2. an entity wholly owned by one or more licensed physicians, This coverage is subject to the exclusions,terms and
chiropractic physicians,or dentists;or by such conditions described in the policy.
practitioners and the spouse, parent,child,or sibling of . Under Exclusions—What Is Not Covered,we have made E
such practitioners; several changes. In some cases,we have revised
3. an entity that owns or is wholly owned,directly or exclusions that were already a part of your policy; in other
indirectly, by a hospital or hospitals; cases,we have renumbered exclusions and added new
4. a licensed physical therapist, but only upon referral from:a exclusions.All item numbers below refer to the items as
licensed physician,dentist,or chiropractic physician;a reflected in the revised policy forms: o
licensed physician assistant,to the extent permitted by • Item 2-we added wording to indicate that the o
law and under the supervision of a licensed physician, exclusion applies to you or a resident relative while in, ao
dentist,or chiropractic physician;a licensed advanced on,getting into or out of,or getting on or off of,an auto 0 o
registered nurse practitioner,to the extent permitted by available or furnished for the regular use of you or a
law and under the supervision of a licensed physician, resident relative,which is not insured for this o
dentist,or chiropractic physician;or coverage. N
5. a licensed healthcare clinic which is accredited by the • Item 4-we revised this exclusion to state that we do
Joint Commission on Accreditation of Healthcare not cover bodily injury to any person arising out of the UCO
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M.4.b
Important notices
Policy number: 1961240 775
WAllstate.
Policy effective date: October 10,2022 Page 4 of 13
use of an insured auto while used by an insured person arising from the ownership, maintenance or use of a"motor
to carry persons or property for any form of vehicle"(as defined under this coverage). a
compensation,or the use of any auto an insured For medical expenses,Allstate will pay eighty percent of
person is driving while available for hire by the public. reasonable expenses;for medical,surgical,X-ray,dental,and
The exclusion does not apply to shared-expense car
pools. rehabilitative services, including prosthetic devices,and
• Item 5 is added. It excludes coverage for bodily injury ambulance, hospital and nursing services;which are medically
to any person arising out of the use of your insured necessary;only if the injured person receives initial services
and care within 14 days after the motor vehicle accident.The
auto while it is rented to, leased to,or loaned fora
charge to,any person or organization by or with the methodology for determining the amount we will pay for such 0
permission of an insured person,with some expenses shall,pursuant to the Florida Motor Vehicle No-Fault
Law, be limited to eighty percent of the schedule of maximum ,
exceptions. charges set forth in the policy AND SHALL BE SUBJECT TO 0
• Item 6 is added. It excludes coverage for bodily injury ANY AND ALL LIMITATIONS,AUTHORIZED BY SECTION
to any person arising out of the ownership, 627.736 OF THE FLORIDA STATUTES,OR ANY OTHER 0
maintenance,or use of a motor vehicle with less than PROVISIONS OF THE FLORIDA MOTOR VEHICLE NO-FAULT y
four wheels. 0
LAW,AS ENACTED,AMENDED OR OTHERWISE
• Item 7-we added"leasing"to the list of examples of CL
CONTINUED IN THE LAW, INCLUDING, BUT NOT LIMITED CL
motor vehicle business operations. We have also TO,ALL FEE SCHEDULES. <
eliminated certain language in light of the changes we M
made to item 4(see above)and revised language Where a medical provider has contracted with an organization
pertaining to private chauffeurs and domestic or network to accept payment for services in an amount that is
servants while using an insured auto. less than the fee schedule or other limitations established by CL
• Item 8-we revised the exclusion pertaining to loss the Florida Motor Vehicle No-Fault Law;and Allstate
resulting from acts of war, insurrection, rebellion or contracted with that organization or network or one of its
revolution, providing an expanded list of excluded affiliates,either directly or through one or more medical bill
causes of loss. review companies or third-party administrators,to apply and
• Item 10-we revised this exclusion to provide that we accept such contractually agreed amounts;then Allstate will
will reimburse the U.S.government when an insured pay that provider's bills at eighty percent(80%)of the U
receives medical treatment for the same cause of loss contractually agreed rate. CU
through a facility of the uniformed services. CU
Medical expense benefits provides reimbursement only for
• Item 11 -we added a new exclusion which specifically initial services and care: 0)that are lawfully provided,ordered
excludes coverage for bodily injury to any person while or prescribed by a licensed physician,dentist or chiropractic
in,on,getting into or out of,or getting on or off of,a
trailer or travel-trailer while it is parked for use as a physician;or(ii)that are provided in a hospital or in a facility
that owns,or is wholly owned by,a hospital;or(iii) provided by
residence,or as an office,display space,or storage
a licensed person or entity which provides emergency
space. transportation and treatment.
• Item 12-we added a new exclusion which specifically
excludes coverage for bodily injury to any person while Upon referral from a provider described in (i)through (iii) CU
in,on,getting into or out of,or getting on or off of,a above,follow up services and care consistent with the CU
trailer or travel-trailer that is not attached to an auto underlying medical diagnosis rendered may be provided,
which is an insured auto. Note:The exclusion does not supervised,ordered or prescribed only by a licensed physician,
apply if the trailer or travel-trailer suddenly and chiropractic physician or dentist,or to the extent permitted by
accidentally becomes detached from the auto applicable law and under the supervision of such physician, CU
immediately before the accident. osteopathic physician,chiropractic physician or dentist, by a U)
licensed physician assistant or a licensed advanced registered
Personal Injury Protection-Coverage VA nurse practitioner.
Personal Injury Protection pays for certain medical expenses,
income loss, loss of services and death benefits for bodily Follow up services and care may also be provided by any of the
harm,sickness,disease or death if it is the result of an accident following:
1. a licensed hospital or ambulatory surgical center;
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Important notices Page 5 of 13
Policy number: 1961240 775
Policy effective date: October 10,2022
2. an entity wholly owned by one or more licensed physicians, A$10,000 coverage limit for Medical Expenses applies to an
chiropractic physicians,or dentists;or by such injured person if: a
practitioners and the spouse, parent,child,or sibling of (a) a licensed physician; y
such practitioners; (b) a licensed dentist; a
3. an entity that owns or is wholly owned,directly or (c) a licensed physician assistant;or
indirectly, by a hospital or hospitals; (d) a licensed advanced registered nurse practitioner;
4. a licensed physical therapist, but only upon referral from:a
licensed physician,dentist,or chiropractic physician;a has determined that the injured person had an emergency
licensed physician assistant,to the extent permitted by
medical condition.
P Y P �
law and under the supervision of a licensed physician, However,a$2,500 coverage limit for Medical Expenses
dentist,or chiropractic physician;a licensed advanced applies to an injured person if:
registered nurse practitioner,to the extent permitted by (1) a licensed physician;
law and under the supervision of a licensed physician, (2) a licensed dentist; cj
dentist,or chiropractic physician;or (3) a licensed chiropractic physician; -
5. a licensed health care clinic which is accredited by the (4) a person or entity under part III of Florida Statutes
Joint Commission on Accreditation of Healthcare Chapter 401 which provides emergency transportation
Organizations,the American Osteopathic Association,the and treatment; CL
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Commission on Accreditation of Rehabilitation Facilities, (5) a licensed physician assistant;
or the Accreditation Association for Ambulatory Health (6) a licensed advanced registered nurse practitioner;or M
Care, Inc.,or: (7) a licensed physical therapist, based upon a referral by
a) has a licensed medical director; a provider described in (1),(2), (3),(5)or(6)above;
b) has been continuously licensed for more than 3 years has determined that the injured person did not have an CL
or is a publicly traded corporation;and emergency medical condition.
c) provides at least four of the following medical
specialties:general medicine; radiography;orthopedic There is a separate$5,000 per injured person limit on death
medicine; physical medicine; physical therapy; benefits.
physical rehabilitation; prescribing or dispensing This coverage is subject to the exclusions,terms and
outpatient prescription medication;or laboratory U
conditions described in the policy.
services. CU
Deductibles
Medical expense benefits do not include massage or Deductibles may apply under Personal Injury Protection.
acupuncture. Please check the enclosed Policy Declarations for specific
We will not pay for medical services,supplies or care that is information on any deductibles which may apply to Personal
not reimbursable under Medicare or under Florida workers' Injury Protection-Coverage VA. A
compensation law. If a healthcare provider takes action against Uninsured Motorists Insurance-Coverage ST
the injured person to recover for services billed and not paid, Uninsured Motorists Insurance is provided if a premium is
we will defend and, if necessary,indemnify the injured person shown on the Policy Declarations for this coverage.Under this E
up to the policy limits. coverage,Allstate will pay only those damages which an
The applicable Personal Injury Protection limit(s)shown on the insured person is legally entitled to recover from the owner or
Policy Declarations for Medical Expenses, Income Loss, Loss of operator of an uninsured auto because of bodily injury
Services and Death Benefits is the maximum we will pay per sustained by an insured person caused by an accident and
injured person for any one motor vehicle accident, regardless arising out of the ownership, maintenance or use of an o
of the number of vehicles insured under this or other policies.A uninsured auto.We will not pay any punitive or exemplary o
0
$10,000 aggregate per injured person limit applies to Medical damages under this coverage. In addition, in order for us to pay o
Expenses, Income Loss and Loss of Services. for pain,suffering, mental anguish or inconvenience,the injury 0 o
or disease must be described in one or more of paragraphs(a)
SUBJECT TO THAT$70,000 AGGREGATE LIMIT,MEDICAL through (d)of Florida Statute 627.737(2). o
EXPENSES PER INJURED PERSON FOR ONE ACCIDENT are N
ALSO subject to EITHER a$10,000 or a$2,500 per injured This coverage is subject to the exclusions,terms and £�
person limit determined as follows: conditions described in the policy. CO
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Important notices
Policy number: 1961240 775
WAllstate.
Policy effective date: October 10,2022 Page 6 of 13
Protection Against Loss to the Auto This exclusion does not apply to shared-expense car
The following coverages are two of the optional coverages pools. C
which can be added to your policy for an additional premium. 0 Item 3-we added"leasing"to the list of examples of .5
Your current policy provides only those coverages which are excluded motor vehicle business operations. C
indicated on the enclosed Policy Declarations. 0Item 4-we revised the exclusion pertaining to loss
• Auto Collision Insurance-Coverage DD resulting from acts of war, insurrection, rebellion or
Auto Collision Insurance pays for loss to your insured auto revolution, providing an expanded list of excluded
or a non-owned auto,including loss to an attached trailer, causes of loss.
which results from a collision with another object,or by an Item 5-we revised the radioactive contamination
upset of that auto or trailer. exclusion, providing an expanded listing of nuclear,
• Auto Comprehensive Insurance-Coverage HH radiation and radioactive contamination losses not
Auto Comprehensive Insurance pays for direct and covered.
accidental loss to your insured auto or non-owned auto Item 6-we will not cover loss caused by and confined U
which does not result from a collision. Here are some of to wear and tear,freezing,mechanical or electrical -
the hazards covered:glass breakage, missiles,falling breakdown,or mold,fungus,or bacteria.We have also
objects,fire,theft or larceny,explosion,earthquake, rewritten the list of losses to which the exclusion will
windstorm,hail,water,flood,malicious mischief or not apply. CL
CL
vandalism, riot,civil commotion,and collision with a bird 0 Item 9-we will not cover loss to any personal
or animal. electronic devices or recording media. The exclusion M
will not apply when you have purchased Portable c14
The deductible amount will not be subtracted from the loss Q
Electronics and Media Coverage and the loss is
payment for loss to the windshield of your insured auto or
a non-owned auto. covered under that coverage.
CL
0 Item 11 -we will not cover loss to appliances,furniture,
There are several other optional coverages you may purchase, equipment and accessories in or on atravel-trailer.
including: The exclusion will not apply when you have purchased
• Roadside Coverage-Coverage JJ Contents Coverage and the loss to the item is covered
• Transportation Expense-Coverage UU under that coverage.
• Sound System Coverage-Coverage ZA 0 Item 12-we will not cover an insured auto,trailer or U
travel-trailer while it is rented to, leased to,or loaned M
• Portable Electronics and Media Coverage-Coverage ZZ for a charge to,any person or organization by or with
Please read your policy for a full description of these the permission of an insured person.
coverages. 0 Item 13-we will not cover loss arising out of a racing
This coverage is subject to the exclusions,terms and contest,speed contest,or use of an auto at a track orCU
conditions described in the policy. course designed or uses for racing or
high-performance driving.
Under Exclusions—What Is Not Covered,we have 0 Item 15-this item has been added. It specifies loss U)
amended the introductory language to say"We will not due to conversion or embezzlement by any person 0
cover"losses described in the exclusions that follow. who has the vehicle due to any lien or sales agreement
Additionally,in several of the exclusions that follow,we is not covered. CU
have used the broader term"loss"instead of words that 0 Item 16-this item has been added. Loss to home,
might be interpreted more narrowly(such as"property office,store,display or passenger trailers or
damage,""any damage,"etc.). Note:All item numbers travel-trailers will only be covered if Auto Collision
below refer to the items as reflected in the revised policy Insurance or Auto Comprehensive Insurance is listed CU
forms: on the Policy Declarations for the trailer or U)
Item 2-we revised this exclusion to state that we will travel-trailer and the loss is covered under the listed
not cover loss arising out of the use of an insured auto coverage.
while used to carry persons or property for any form of 0 Item 17-this item has been added. Loss to devices
compensation,or the use of any auto an insured designed for the detection of radar or laser that can be
person is driving while available for hire by the public. used to evade law enforcement is not covered.
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Important notices Page 7 of 13
Policy number: 1961240 775
Policy effective date: October 10,2022
Item 19-We will not cover loss to your insured auto, 0 after the purchase of another policy or binder covering the
trailer or travel-trailer from a collision with another auto which was covered under your policy;or a
object or by upset of that auto,trailer or travel-trailer 0 in the event of a military assignment. y
if,at the time of the loss,the auto was being operated
by a licensed driver who was not listed on your Policy If your original policy has been in effect for 60 days or less,we
Declarations as a driver and who was either a resident may cancel for reasons other than non-payment of premium.
of your household or a guest temporarily staying in However,during the first 60 days of your original policy,we
your home.A person who joins your household or gets may cancel for non-payment of premium if the reason for the
cancellation is the issuance of a check,draft,electronic
a driver's license must be listed on the Policy
Declarations within 185 days.We will not apply this
transaction,credit card or any remittance other than cash for
the premium which is dishonored upon presentation,or U
exclusion under certain circumstances described in M
honored and later reversed or dishonored,for any reason.
the exclusion.
If you make an initial premium payment on your original policy U
Deductibles that is dishonored upon presentation,or honored and later 0
Deductibles may apply under some of the coverages listed reversed or dishonored for any reason,we may deny any claim
under Protection Against Loss To The Auto. Please check the y
enclosed Policy Declarations for a listing of any of the above and we may void this entire policy, including any and all
coverages hereunder. If we void the policy from its inception CL
coverages your policy provides,and for information about any CL
we will not be liable for any claims or damages that would have
applicable deductibles. otherwise been covered in the absence of the non-payment of M
Additional Optional Coverages Allstate Offers premium. N
The following is a list of the optional coverages which can be N
added to your policy if you choose to do so. Please note that After your original or renewal policy has been in effect for 60
CL
adding any of these optional coverages to your policy requires days,you may cancel your policy by notifying us what future
an additional premium.Your current policy provides only those date you wish to stop coverage.
optional coverages which are indicated on your Policy After your original policy has been in effect for 60 days,or if it
Declarations. Please note that certain exclusions and is a renewal policy,Allstate will not cancel your coverage
limitations may apply to each specific coverage. Deductibles during the policy period unless:
may also apply to these coverages. 0 the premium is not paid when due; U
Collision for Custom Equipment-Coverage CD* . there is material misrepresentation,fraud or concealment
Comprehensive for Custom Equipement-Coverage CH* of material facts;
Camper Unit Coverage—We will provide coverage for your . you or any member of your household has had a driver's
camper unit which is designed for use as a temporary license suspended or revoked;or
living quarters.You must pay an additional premium for . we have mailed you notice within the first 60 days that the
this coverage,depending on which coverages are provided original policy has been in effect that we do not intend to
by the policy which insures the auto on which the camper
continue the policy.
unit is mounted.
• Lease or Loan Gap Coverage-Coverage LG We may cancel the policy for non-payment of premium when 2
• Repair or Replacement Cost Coverage-Coverage RC due if the reason for cancellation is the issuance of a check,
draft,electronic transaction,credit card or any remittance
Auto Replacement Protection-Coverage NC* other than cash for the premium which is dishonored upon
• Identity Theft Coverage-Coverage IT presentation,or honored and later reversed or dishonored for
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• Contents Coverage-Coverage HC* any reason. o
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*not available for Allstate Indemnity policies After your original policy has been in effect for 60 days,or if it o
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is a renewal policy,we will give you notice as follows:
The Cancellation And Non-Renewal Provision of Your Auto . If we cancel because you did not pay the premium,we will
Policy give you at least ten days notice. o
During the first two months following the date of issuance or o
renewal,you may not cancel your policy except: If we cancel for any reason other than non-payment of N
upon total destruction of the insured auto; premium,we will give you at least 45 days notice. £�
upon transfer of ownership of the insured auto; CO
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Packet Pg. 3354 Q
M.4.b
Important notices
Policy number: 1961240 775
WAllstate.
Policy effective date: October 10,2022 Page 8 of 13
Upon expiration of the policy period,we may transfer the In the event we determine that you have been charged an
policy to another insurer under the same ownership or incorrect premium for coverage requested in your application a
management as Allstate.We will mail you notice at least 45 for insurance,we shall immediately mail you notice of any y
days before the end of the policy period of our intent to additional premium due us. If within 15 days of the notice of
transfer the policy and of the premium,and the specific additional premium due(or a longer time period as specified in
reasons for any increase in the premium. the notice),you fail to either:
• pay the additional premium and maintain this policy in full
If we do not intend to continue the policy beyond the current force under its original terms;or
policy period,we will give you notice at least 45 days before • cancel this policyand demand a refund of an unearned
the end of the policy period. y 4-
premium;
We will not refuse to renew or continue this policy solely then this policy shall be cancelled effective 15 days from the
because: date of the notice(or a longer time period as specified in the
You were convicted of one or more traffic violations which notice). U
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did not involve an accident or cause revocation or How Auto Policies Are Surcharged
suspension of your driving privilege unless you have been Listed below are the different surcharges we use to calculate y
convicted of,or plead guilty to:two such traffic violations 0
your auto insurance premium in certain special cases:
within an 18-month period;three or more such traffic CL
. Certified Risk Surcharge—We will apply a surcharge to CL
violations within a 36-month period;or exceeding the Bodily Injury Liability, Property Damage Liability,and <
lawful speed limit by more than 15 miles per hour. Personal Injury Protection coverages because of certain �
You have had only one accident if we have insured the risks,for which an insured person is required to complete Q
auto for a period of at least five years immediately and file either an"Owner's Certificate to Cover the
preceding the renewal date. Described Automobile Only"or an"Operator's CertificateCL
We will mail any cancellation or non-renewal notice to you at to Cover the Operation of Any Automobile."
your address shown on the Policy Declarations.Our mailing the These certificates are usually required for risks such as
notice of cancellation or non-renewal to you will be deemed past convictions of driving under the influence of drugs or
proof of notice.A refund, if due,will be proportional to the time alcohol, leaving the scene of an accident, homicide or
your policy has been in effect, but cancellation will be effective assault with an auto,speeding,or reckless driving. t j
even though the refund is not made immediately. If you have any question about whether your policy has been
• If you cancel,we will mail the unearned portion of any E
premium paid within 30 days after the effective date of surcharged,or about any surcharges made to your policy,
cancellation or receipt of notice or request for cancellation, please contact your Allstate Agent.
whichever is later. Discounts Available With Auto Policies
• If we cancel,we will mail the unearned portion of any The following are brief descriptions of the discounts we offer if
premium paid within 15 days after the effective date of you qualify and they are available for your Allstate policy.The
cancellation. enclosed Policy Declarations provides a listing of all the
If we mail a cancellation notice,after your policy has been in discounts which have been applied to your policy.
effect for 60 days, because you did not pay the required When you originally applied for your policy,your Allstate
premium when due and you then tender payment by check, Agent took the necessary information from you to give you
draft,electronic transaction,credit card or other remittance both the correct rate and all of the discounts you qualified for.
which is not honored upon presentation,your policy will However,your situation may have changed since then,so you
terminate on the date and time shown on the cancellation may want to contact your Allstate Agent to confirm that he or
notice and any notice we issue which waives the cancellation she has all the correct, updated information concerning you
or reinstates coverage is void.This means that Allstate will not and your family.This way you can be sure that you are U)
be liable under this policy for claims or damages after the date receiving all of the discounts for which you are eligible.
and time indicated on the cancellation notice. Passive Restraint Discount—You may be eligible for this
Any unearned premium under$5.00 will be refunded only discount if you insure an auto with airbags or factory Y.
upon your request. installed automatic motorized seatbelts.
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Important notices Page 9 of 13
Policy number: 1961240 775
Policy effective date: October 10,2022
0 Defensive Driver Discount—You may be eligible for this have a Renters policy with Castle Key or another Allstate
discount for any auto insured under your policy,as long as affiliate. a
the principal operator of that auto: Preferred Package Discount—You may qualify for this y
is at least 55 years of age;and discount if you own a residential property and insure more
has voluntarily attended and successfully completed a than one auto on this policy.
motor vehicle accident prevention course which is Allstate Auto/Life Discounts"—You may qualify for this
approved by the Florida Department of Highway discount if you are the owner, insured or payor of a
Safety and Motor Vehicles;and qualifying individual life insurance policy written prior to
has not had a chargeable accident in the preceding October 11,2021,or mortgage term life insurance
three years.(not applicable for Allstate Property and certificate written by an Allstate Agent prior to October 11,
Casualty policies) 2021.
0 Anti-Lock Brake Discount—You may be eligible for this Electronic Stability Control Discount—This discount
discount if you own and insure an auto which is equipped applies to vehicles equipped with electronic stability U
with a factory installed anti-lock braking system for control. -
Allstate Fire and Casualty and Allstate Property and Safe Driving Club Discount—This discount is available to
Casualty policies. customers who have not been in an at-fault accident for a
For Allstate Indemnity policies—You may be eligible for specific period of time. CL
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this discount if you own and insure an auto which is Homeowner Discount—This discount is available to our
equipped with either: customers who currently own a home,townhouse, M
• a factory installed anti-lock brake system on all four condominium,mobile home or manufactured home for c14
wheels,or Allstate Fire and Casualty policies.
• a non-factory installed anti-lock brake system on two Homeownership Discount—You may be eligible for this CL
or four wheels. discount if you own a home,townhome,condominium or
0 Anti-Theft Discount—If you own and insure an auto which mobile home in which you reside for Allstate Property and
is equipped with a qualifying anti-theft device that is Casualty policies.
properly installed and maintained in working condition,
ou ma be eligible for this discount. For Allstate Indemnity policies—We offer a discount to
0 55 and Retired Discount—This discount is offered to policies in which the insured and/or spouse is able to U
provide sufficient proof that he/she owns a home,
drivers who are at least 55 years of age,are not presently townhome,condominium,or mobile home.
gainfully employed full time or seeking full time
employment,and who meet other specifications. Smart Student Discount—This discount applies to young
0 Farm Discount—You may be eligible for this discount if drivers who are unmarried, under the age of 25 and meet
you are a farmer. certain academic and other conditions.
•
Responsible Payer Discount—You may be eligible to
New Car Discount—You may qualify for this discount if receive this discount simply by paying your premium on U)
your vehicle is a current,first prior,or next subsequent
model year and has not been previously titled. time.* U)
0 FullPays'Discount—This discount is offered if you pay ' Early Signing Discount—You may be eligible for this a
your entire policy premium by your renewal effective discount if the application for your policy is completed
seven or more days before the policy effective date,and if
date.* your policy has prior insurance with no lapse in coverage at
0 Allstate®Easy Pay Plan Discount—This discount applies New Business for Allstate Fire and Casualty and Allstate
when the policy premium is paid through the Allstate® Property and Casualty policies.
Easy Pay Plan.*
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0 Multiple Policy Discount—You may qualify for this For Allstate Indemnity policies—You may be eligible for o
discount if you currently have a Homeowners, this discount if the application for your policy is completed U o
Condominium Owners, Renters or Personal Umbrella three or more days before the policy effective date at New
(PUP)policy with Castle Key or another Allstate affiliate Business,and if you have maintained at least six
for Allstate Fire and Casualty policies. continuous months of liability insurance with no lapse in < o
For Allstate Property and Casualty and Allstate Indemnity coverage at New Business. a
policies—You may qualify for this discount if you currently E
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Important notices
Policy number: 1961240 775
Policy effective date: October 10,2022 Page 70 of 13
• Alert Driving Discount—This discount is available to requisite proof that they are a qualified member of an
customers who have not been in a non-at-fault accident for approved group. a
a required period of time. *This discount does NOT apply to the Allstate Fire and
• Risk Avoidance Discount—Customers who have not had a Casualty Insurance Company pay as you go telematics Policy.
claim under Comprehensive Coverage for a required
period of time are eligible to receive this discount. Please remember that this outline contains just a brief
• Drivewise*—This discount is available to customers who summary of many of the provisions of your auto policy and that
participate in the Allstate Drivewise* Program. For more all coverages are subject to policy terms,conditions,
information regarding the program, please contact your limitations and availability. Please consult your policy for
Allstate Agent.* complete descriptions and details. If you have any questions
• eSmart Discount—This discount is available to customers regarding this outline of coverage,your auto policy or your
who participate in the ePolicy program.* other insurance needs,please contact your Allstate Agent.
• Resident Student Discount—You may be eligible to XC7087-3 U
receive a discount on certain coverages if a student -
insured by your policy lives away at school while the car he
or she drives remains at home.The Resident Student Are You Eligible for New Discounts?
Discount will be applied to the car insured under your CL
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policy that is driven by a student under the age of 25 who Did you know that you may now qualify for discounts that you
lives at a school,college,or other educational institution previously were not eligible to receive?For instance,in many
located more than 100 miles from where the car is states,Allstate offers discounts for:
garaged.
• teenSMARTT'"Discount—You may qualify for this ' Drivers who are age 55 and older who are no longer
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discount if an operator insured on your policy is under the working;
age of 21 and has successfully completed the 0Young drivers,including students under the age of 25;
teenSMARTT""program. 0 Drivers who have completed approved driver training
• Good Student Discount—You may be eligible for this courses;and
discount if the rated vehicle operator is unmarried, less . Drivers who also insure their homes with Allstate.
than age 25,and meets certain academic requirements U
and other qualifications. Please contact your Allstate representative for additional
• Premier Discount—This discount applies to drivers who information about discount qualifications,as well as other
have been accident and violation free for 3 years and meet discounts that may be available.
other qualifications. X67094-1
• Premier Plus Discount—This discount applies to drivers
who have been accident and violation free for 5 years and
meet other qualifications. Other Allstate Companies also offer
• Utility Discount—This discount is available for most automobile insurance—giving you
pick-up trucks.
• Performance Discount—You may be eligible to receive a additional protection options
discount on certain coverages such as Bodily Injury,
Personal Property Damage Liability Insurance,Automobile We want to make sure you know that automobile insurance is
Medical Payments,Auto Collision Insurance,Auto available from different Allstate-branded companies—each
Comprehensive Insurance,and Personal Injury Protection with its own mix of price and coverage options.Although your
if you meet the eligibility requirements. Please contact current policy is with Allstate Property and Casualty Insurance
your agent for more details on how you may qualify. Company,automobile coverage from another Allstate-branded
• Loyalty Discount—You will be eligible for this discount if company can differ from your current policy in a number of
your policy remains active with Allstate Indemnity ways, including: 0
Company with no lapse in coverage during the preceding . Price
policy term. 0 Coverage
• The Good Hands People*Discount—This discount . Features
applies when the named insured or spouse provides . Discounts
Packet Pg. 3357
M.4.b
Important notices Page 77 of 13
Policy number: 1961240 775
Policy effective date: October 10,2022
member of our family whose operation of an insured
Things To Consider When Comparing Insurance y y p
POIICIes vehicle results in injuries to you or a resident relative,and C
When comparing different policies,you may want to consider ' An underinsured motor vehicle which includes a motor
the following: vehicle whose liability limits are less than the amount of
' Price-While another company may offer a lower premium the damages the insured person is legally entitled torecover.
today,the premium could change in the future. Be sure to
consider this. What Are Your Available Uninsured Motorists
' Policy Features and Benefits -Some of the policy features Insurance Options?
and benefits that your current policy has may not be 1. You may select Uninsured Motorists Insurance in an
available or carry over to the new company.Also,the new amount equal to your limits for bodily injury liability.
policy might not provide the same level of benefits as your 2. You may select Uninsured Motorists limits which are lower t0
current policy.And if you leave Allstate Property and than your bodily injury liability limits. 4-
Casualty Insurance Company,you will not be able to return 3. Or,you may reject Uninsured Motorists Insurance.
76
to that company or get the same rate. y
Non-Stacked and Stacked Coverage Options 0
Your Allstate Agent Can Help CL
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Your Policy Declarations show whether you have non-stacked
Your Allstate Agent is here and can discuss any options you Y Y
might be interested in.We want to thank you again for or stacked Uninsured Motorists Insurance.
choosingAllstate to protect what's important to you. Q
p p y With non-stacked coverage,your Uninsured Motorists �
X73000v2 Insurance limits(if any)will not be added together to pay for
damages you sustain in an accident.Therefore, if you are
injured in a vehicle insured under your policy, Uninsured
Important Information About Uninsured Motorists Insurance provides you with protection only to the
Motorists Insurance extent of your coverage limits shown on your Policy
Declarations for that vehicle. If you are injured in someone
Please refer to the Uninsured Motorists Insurance limits on the else's vehicle,or you are struck as a pedestrian,you may select
attached Policy Declarations.And please read the information the highest limits for Uninsured Motorists Insurance available
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below regarding Uninsured Motorists Insurance to determine if on any one vehicle insured under your policy.You pay a
you have the type of coverage you want. reduced rate for non-stacked coverage compared to stacked
coverage.
What Does Uninsured Motorists Insurance Offer?
With stacked coverage,your Uninsured Motorists Insurance
Uninsured Motorists Insurance provides protection,subject to limits for each vehicle insured under your policy are added
the terms and conditions of your policy,for bodily injury together(stacked)to pay for damages you sustain in an
sustained in an accident caused by the driver of an uninsured accident.Thus,the Uninsured Motorists Insurance limits I
motor vehicle which includes: available to you would automatically change during the policy a
' Motor Vehicles with no liability insurance in effect at the Period if you increase or decrease the number of vehicles
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time of the accident, insured under your policy.
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' Hit-and-run motor vehicles, Please contact your Allstate agent or contact us at 1-800
Allstate® (1-800-255-7828)if you would like to change any of
• Motor vehicles insured by insurance companies that deny U
your coverage options or if you have any questions about a CU o
coverage, Uninsured Motorists Insurance.We can help you determine o
' Motor vehicles insured by insurance companies that what coverages are available so you can select the coverage of o
become insolvent within 4 years from the date of the your choice. o
accident(this coverage is excess over any obligations (ed.06/2022)
assumed by the Florida Insurance Guaranty Association to X5402-2 o
pay claims), a
' An insured motor vehicle when the liability insurer thereof
excludes liability coverage to a person who is not a o
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M.4.b
Important notices
Policy number: 1961240 775
Q)Allstate.
Policy effective date: October 10,2022 Page 72 of 13
factors,including any policy changes you might make,can also
State-Required Information Regarding affect the amount of your premium. E
Mandatory Insurance Coverage
You can learn more by visiting allstate.com. If you'd like us to
This notice is being provided for your information only. It's use updated credit information to determine your premium,
important that you understand what will happen if your auto please call your agent.
policy is cancelled or non-renewed,or if you let your coverage X67520-2
lapse. If you have any questions after reading this notice,
please do not hesitate to contact your agent.
4-
We are obligated by law to report the cancellation or U
non-renewal of any auto policy which provides personal injury
protection benefits to the Florida Department of Highway
0
Safety and Motor Vehicles. If you fail to maintain personal U
injury protection and property damage liability insurance on a 0
motor vehicle when required by law,you may lose your ra
registration and driving privileges in the state. 0
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If your registration and driving privileges are suspended,you CL
may reinstate them by obtaining an auto insurance policy
which includes personal injury protection coverage and C14
property damage liability insurance,as required by law,and c14
paying a nonrefundable reinstatement fee of$150.00.This fee
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will increase to$250.00 for a second reinstatement,and to
$500.00 for each reinstatement after the second during the
three years following the first reinstatement.
The coverages and the coverage limits currently provided by
your policy are listed on the enclosed Policy Declarations.
Please review your coverage information,and if you have any
questions about your policy or your insurance coverage in CU
general, please contact your agent.
X6988
You May Request That We Reorder
Your Credit Report U)
Like many insurance companies,when we consider your
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eligibility for coverage,we review your credit report and base
your premium partly on this information.
We reorder your credit report(s)every two years, but if you
would like us to use updated credit information to determine
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your premium,you can request that we order it sooner.
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The rate for your premium will only decrease or remain the
same if we reorder your credit report. If your credit history has 0
improved,we will adjust your premium. Please be aware that,
depending on when you request a credit reorder,we may not
be able to apply any premium change to this policy renewal; if
so, it will take effect at your next policy renewal.Several
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