*1*0

ALMEIDA & CARLSON INS AGC

PO BOX 554
FALMOUTH, MA, 02541

RYAN RUTLEDGE
1 DORCHESTER ST
EAST FALMOUTH, MA, 02536
002804

Policy Number: 4HC793886

12-04-2023

Dear Valued Policyholder,

Thank you for renewing your Arbella auto policy! Your coverage selections and other helpful
information are enclosed.

Your insurance needs are important to us. Arbella and your local, independent agent are
committed to providing you with the right coverage and a highly personalized service experience.
Whether you have a question about your policy or need to file a claim, a helpful, knowledgeable
person will be there for you.

With warm regards and appreciation for your business,

John F. Donohue
Chairman, President, and Chief Executive Officer
Arbella Insurance Group

ARBELLA INSURANCE GROUP ALMEIDA & CARLSON INS AGC

1-800-ARBELLA (272-3552) 508-540-6161

10AR1253 05/20
 COVERAGE SELECTIONS PAGE PAGE 1 OF 1
This page and any attached endorsements form a part of your policy
This policy is Issued By: Reason for Coverage Selections Page: End. Massachusetts Personal Automobile
RENEWAL No. Policy Number
ARBELLA MUTUAL INSURANCE CO.
4HC793886
Name code RUTLE
ITEM 1. This policy is Issued To:

RYAN RUTLEDGE Effective Date 01/09/24 Producer ALMEIDA & CARLSON INS AGC
1 DORCHESTER ST PO BOX 554
EAST FALMOUTH MA 02536 FALMOUTH MA 02541

ITEM 2. This policy is effective from:

Jan/09/24 To: Jan/09/25 (12:01 A.M. Eastern Standard Time) Producer's No.
44-6740
ITEM 3. Description of your Auto:
AUTO #1 18 AL ROMEO GIULIA TI ZARFAEEN5J7597346
ITEM 4. This policy provides only the coverages for which a premium charge is shown.
COVERAGES, PARTS 1-12 AUTO #1 PREMIUM PREMIUM
COMPULSORY INS. LIMITS DEDUCTIBLE ANNUAL ADJUSTED LIMITS DEDUCTIBLE ANNUAL ADJUSTED
1. Bodily Injury $20,000
per None $206.00
person
To Others per
$40,000 accident

2. Personal $NONE $60.00

per
$8,000 yourself
Injury person

Protection yourself+house
hold members
per
3. Bodily Injury Caused $35,000 person None $22.00
By An Uninsured Auto per
(COMPULSORY LIMIT $20,000/$40,000) $80,000 accident
4. Damage To Someone per
Else's Property $250,000 accident None $434.00
(COMPULSORY LIMIT $5,000)

OPTIONAL INSURANCE
per
5. Optional Bodily $100,000 person None $136.00
Injury To Others $300,000
per
accident
per
6. Medical Payments person None
7. Collision Actual Cash Value $500 $1,639.00
8. Limited Collision Actual Cash Value
9. Comprehensive Actual Cash Value $500 $237.00
10. Substitute Up to a day
None
Transportation maximum
Up to for each
11. Towing and Labor Disablement None
12. Bodily Injury $35,000
per
None $14.00
person
Caused By An per
Underinsured Auto $80,000 accident

SAFE DRIVER Credit 99 $-421.00

INSURANCE PLAN Adjustment
PREMIUM $2,327.00 PREMIUM
ENDORSEMENT PREMIUM 75.00
TOTAL PREMIUM 2,402.00
IF PAID IN FULL $2,263.00
ITEM 5. Place of Principal Garaging ITEM 6. Secured Lender/Lessor-Additional Insured, if Rented Auto
AUTO #1 EAST FALMOUTH MA CARVANA LLC PO BOX 29002 PHOENIX AZ 85038

Identification Numbers of Endorsements Forming a Part of This Policy

ACCIDENT FORGIVENESS 10AR1294 10AR1259
AUTO #1 213

DISCOUNTS
Age Annual Good Student Military Multi- Adv Drv Hybrid or Pass Anti Theft Driver Low Cont
65+ Mileage Student Away Away Car Train Electric Res Veh Rec Simulator Freq Cov
AUTO #1 25% 20%

LOYALTY, NEW BUSINESS DISCOUNT

10AR 1172 09/22

REFER TO OTHER SIDE FOR ADDITIONAL INFORMATION
Insured Copy
 DRIVER INFORMATION

Oper Operator Name* Date of License Number Lic. Date First Operator Status
No. (First, middle initial, last) Birth State Lic O=Occasional P=Principal
E= Excluded D=Deferred
Auto 1 Auto 2 Auto 3 Auto 4 *Check carefully that all operators of
your auto(s) are shown. Your
1 RYAN THOMA RUTLEDGE 05 10 91 *****3655 MA 09 18 08 P failure to list a household member
or any individual who customarily
2 MARK R RUTLEDGE 03 31 52 *****1016 MA 03 31 69 D operates your auto may have very
3 THOMAS B RUTLEDGE 10 05 93 *****8821 MA 01 04 11 D serious consequences.

NOTICE: You must notify us of changes that have occurred prior to the renewal of this policy and during the policy period. It is a crime to knowingly provide
false or fraudulent information for the purpose of defrauding an insurance company. If you or someone else on your behalf has knowingly given us false,
deceptive, misleading or incomplete information and if such false, deceptive, misleading or incomplete information increases our risk of loss, we may refuse to
pay claims under any or all of the Optional Insurance Parts and we may cancel your policy. Such information includes the description and the place of garaging
of the vehicle(s) to be insured, the names of all household members and customary operators required to be listed and the answers given above for all listed
operators. We may also limit our payments under Part 3 and Part 4. Check to make certain that you have correctly listed all operators and the completeness of
their previous driving records. The Merit Rating Board may verify the accuracy of the previous driving records of all listed operators.

We will not pay for a collision or limited collision loss for an accident which occurs while your auto is being operated by a household member who is not listed as
an operator on your policy. Payment is withheld when the household member, if listed, would require the payment of additional premium on your policy
because the household member would be classified as an inexperienced operator or would require payment of additional premium on your policy under the
Safe Driver Insurance Plan.

DISCOUNTS:
Below is only a summary of possible discounts. If a discount has been applied to your policy, it will be indicated in the Discounts box on the front of this
document. If you believe you are entitled to a discount that is not listed, please inform your agent. The total premium listed on the front of this document will
reflect the discounts applied.

Discount Amount Coverages Discount Amount Coverages Discount Amount Coverages

Age 65 + 25% All Multi-Car Individual/Spouse 5% Parts 1,2,4,5,7,8&9 Annual Mileage 0-9999 5-10% Parts 1-8 & 12

Loyalty 1% All Multi-Car Family 5% Parts 1,2,4,5,7,8&9 Anti Theft/Vehicle Recovery 5-36% Part 9

Account Credit 5% - 13% All Student Away at School 10% Parts 1,2,4,5,7&9 Continuous Coverage 10% Parts 1,2,4&5

New Business Discount

3% - 12% All Advanced Driver Training 5% Parts 1,2,4,5&7 Low Frequency 10% Parts 1,2,4&5
(Previously Arbella Advantage)

Driver Simulator 7% Parts 1,2,4,5&7 Passive Restraint 25% Parts 2,3,6&12 Paid in Full 6% All

Marketing Partners 6% All Multi-Vehicle 2% Parts 1,2,4,5,7,8&9 Hybrid/Electric Vehicle 10% Parts 1,2,4,5,7,8&9

Good Student 5% Parts 1,2,4,5,7&9 Military Away 10% Parts 1,2,4,5,7&9

Part 5 - OPTIONAL BODILY INJURY TO OTHERS

The limits shown for this Part are the total limits you have under Compulsory Bodily Injury to Others (Part 1) and this Part. This
means that the Compulsory limits are included within the limits shown for this Part and are not in addition to them.
Part 12 - BODILY INJURY CAUSED BY AN UNDERINSURED AUTO
The limits shown for this Part are subject to adjustment. We will only pay for any unpaid damages up to the difference between the
total amount collected from the automobile bodily injury liability insurance covering the owner and operator of the underinsured auto
and the limits shown for this Part.
SAFE DRIVER INSURANCE PLAN
The Safe Driver Insurance Plan premium adjustment shown on the reverse side for each auto is based on the driving records of the
operators listed on your policy. Premiums are reduced for 5 or 6 years of incident-free driving. If premium adjustments are shown for
any auto, refer to the SDIP statement furnished separately to determine how the premium adjustments for each listed operator were
calculated. The operator with the highest combined operator classification and SDIP premium adjustment shall be assigned to the
auto with the highest premium for Parts 1,2,4,5,7,8 and 9. The operator with the next highest combined operator classification and
SDIP premium adjustment shall be assigned to the auto with the next highest premium and so forth.
NOTE 1: We have been unable to obtain Safe Driver Insurance Plan Information. The license number, surname and date of
birth for at least one operator matches no record in the Registry of Motor Vehicles Driver License file.
NOTE 2: If a Safe Driver Insurance Plan premium adjustment is applicable to your policy, you will receive an adjusted bill at a
later date.
NOTE 3: No SDIP premium adjustment applies if the operator's points equal zero.
Policy Renewal of
3HC793886 Driven to or from Purchased New/ List Price New Classification Gr. Terr. CC's Annual
o New ý Renewal Work Used or Motorcycle ý Sym o VRG Mileage
Original
Yes/No One Cost New
Mileage Way Mo./Yr. Rate Statistical Coll Comp

AUTO #1 10/23 41,995 10 110199900 54 03 62 53 14,021

Countersigned By: ______________________________________________

OPTIONAL MASSACHUSETTS ENDORSEMENTS

Unless the endorsement code number is printed or emitted on the front side of the Coverage
Selections Page, the optional endorsement formats shown below will not be considered
binding.

AUTO 213 – WAIVER OF DEDUCTIBLE MPY-0016-S (ED. 01-83)

The deductible amount shown on the Coverage Selections Page for Collision (Part 7) does not apply
to any auto to which this endorsement applies as shown on the Coverage Selections Page if:

1. That auto was legally parked when struck by another auto owned by an identified person.

2. That auto was struck in the rear by another auto moving in the same direction and owned by
an identified person.

3. The operator of the other auto was convicted of any of the following violations:
a. Operating under the influence of alcohol, marijuana or a narcotic drug,
b. Driving the wrong way on a one way street,
c. Operating at an excessive rate of speed,
d. Any similar violation of any similar law of another state in which the accident occurs.

However, we will not pay if the operator of the auto covered under this Part was also convicted of one
of the same violations.

4. You are entitled to recover in court against an identified person for some reason other than
those listed above.

M-0103-S NON-RENEWAL OF POLICY ENDORSEMENT

(MOTORCYCLES, RECREATIONAL VEHICLES AND TRAILERS) (ED. 01-89)
On your application for insurance, you requested that we not renew your policy. Therefore, your
policy will expire on the expiration date shown on the Coverage Selections Page and will not be
renewed. In such a case, we are not required to mail our Legal Notice of Non-Renewal to your agent
or to you.

AUTO 50 - $100 GLASS DEDUCTIBLE (COMPREHENSIVE) MPY-0039-S (ED.01-89)

Under Comprehensive, the provision which states that the deductible does not apply to glass
breakage is replaced for any auto to which this endorsement applies as shown on the Coverage
Selections Page as follows:

We will pay for glass breakage but in all

cases we will subtract the deductible
amount of $100.

If you have glass breakage and other damage to your auto that is covered by your Comprehensive
Coverage (Part 9), this $100.00 glass deductible is in addition to the deductible you selected for your
Comprehensive Coverage (Part 9).
Page 1 of 2 10AR1111 Ed. 04/12
AUTO 102 - GUEST OCCUPANT EXCLUSION
OPTIONAL BODILY INJURY TO OTHERS M-0002-S (ED. 01-77)
We will not pay under Optional Bodily Injury to Others (Part 5) for damages to guest occupants of a
motorcycle operated by someone covered under this Part.

AUTO 101- TRANSPORTATION OF FELLOW EMPLOYEES, STUDENTS OR OTHERS M-0004-S

(ED. 01-88)
The coverage provided under Bodily Injury To Others (Part 1) also applies to bodily injuries sustained
by any person as a result of an accident while that person is a passenger in your auto if you or
anyone operating your auto is at the time of the accident:

A. Going to or from work and also carrying someone else to or from work for a fee.
B. Going to or from a school or a place of school activity and also carrying someone else to
or from a school or a place of school activity for a fee.

The coverage provided under Damage to Someone Else’s Property, Optional Bodily Injury to Others
and Medical Payments (Parts 4, 5 and 6) also applies to bodily injuries and property damage resulting
from an accident involving an auto you or a household member is operating, or involving your auto
operated by anyone, while:

A. Going to or from work and also carrying someone else to or from work for a fee.
B. Going to or from a school or a place of school activity and also carrying someone else to
or from a school or a place of school activity for a fee.

We will not pay under this Endorsement for bodily injury or property damage sustained while:

1. The auto is rented or used as a public or private livery.

2. Using any auto that seats more than nine persons and has a taximeter.

All of the provisions of the policy not changed by this endorsement apply to the coverage provided by
this endorsement.

Page 2 of 2 10AR1111 Ed. 04/12

 Accident Forgiveness

This endorsement provides forgiveness of SDIP premium costs relating to one at-fault accident caused by an Eligible
Operator as defined within this endorsement. SDIP points usually do not affect premium until the policy is renewed
and this endorsement only provides forgiveness if purchased before the at-fault accident occurred and it remains on
your policy upon renewal. The SDIP premium costs relating to the at-fault accident will remain forgiven for as long as
this endorsement remains on the policy and for as long as this policy is insured (without interruption) with Arbella. If
this endorsement is removed, or if the policy term is interrupted during those times, the at-fault accident is no longer
forgiven.

The following terms and conditions must be met for this endorsement to apply:

1) For the purpose of this endorsement, Eligible Operator shall mean a driver who is listed on the Coverage
Selections Page as an operator having an SDIP of 99, 98, or 00, as returned by the Massachusetts Merit
Rating Board. Drivers with SDIP 00 must be licensed for 6 or more years.

2) For this endorsement, at-fault accident(s) shall mean any accident where Arbella has determined that the
operator was more than 50% at-fault, and where SDIP points are assigned by the Massachusetts Merit Rating
Board.

3) Forgiveness applies to an at-fault accident caused by an Eligible Operator following the purchase of this
endorsement. Any at-fault accidents caused by any other listed operators (for example a driver with an SDIP
of 01) do not qualify for forgiveness. If a policy qualifies for forgiveness and is endorsed to add an operator
with a merit rating code of 01-45, the added operator will be assigned the applicable points and their accidents
will not be forgiven. At-fault accidents involving deferred or excluded operators will not be waived under this
endorsement.

4) The at-fault accident was reported to us promptly.

5) There are no other accidents being forgiven on the policy. In the event an accident being forgiven during a
term is no longer subject to rating under the company’s SDIP (for example, 6 years has passed since the at-
fault accident occurred), the next qualifying at-fault accident will receive forgiveness upon renewal of the
policy, subject to the terms and conditions of this endorsement. Only one endorsement can apply to a policy
and only one accident will be forgiven regardless of the number of operators insured under this policy.

6) If any other at-fault accident occurs while an accident is being forgiven, the other at-fault accident(s) will be
reflected in the premium based on the company’s filed SDIP.

7) Moving violations of any kind are not eligible for forgiveness.

8) A forgiven accident is still considered a loss for the purpose of applying other provisions of the company’s
rating plan and may affect underwriting placement or eligibility.

10AR 1273 (Ed. 10/16) Page 1 of 1

 ARBELLA CUSTOMER CARE PACKAGE
ENDORSEMENT

With respect to the coverage provided by this endorsement, the provisions of the policy apply unless
modified by the endorsement.

I. New Vehicle Replacement Cost Coverage

This coverage applies only if the Coverage Selections Page indicates that Part 9. Comprehensive and
either Part 7. Collision or Part 8. Limited Collision apply to your auto.

If your auto had less than 500 miles on the odometer on the date of purchase, and there is a covered
total loss within 365 days of the bill of sale purchase date, and no more than 15,000 miles on the
odometer at the time of the loss, then our limit of liability for the loss will be:

The replacement cost, in cash, we can negotiate for a new vehicle, less the deductible. The new
vehicle will be of the same year, make, model, and optional equipment as your auto that is a total
loss, or

If a new vehicle is not readily available, we reserve the right to pay the cost, in cash, we can
negotiate for a similar available vehicle, less the deductible. The available vehicle will be similar
in class and body type to the year, make, model, and optional equipment as your auto that is a
total loss.

Replacement cost means the cost, at the time of loss, of a new auto of the same make, model and
equipment as the one which had been declared a total loss by us without any deduction for depreciation.

This coverage does not apply to a substitute or non-owned vehicle, a leased vehicle, motorcycles,
motorhomes, or trailers.

Our liability for a loss will not exceed the MSRP of the vehicle of the same year, make, model, and
equipment as the damaged vehicle. We will only pay for customized optional equipment that is described
in the insured’s policy.

II. Enhanced Substitute Transportation Coverage

This coverage applies only if the Coverage Selections Page indicates that Part 10. Substitute
Transportation applies to your auto.

Enhanced Substitute Transportation Coverage applies only if: a covered loss happens to your auto, and
you lose the use of your auto for more than 24 hours. If your auto is stolen, it must have been reported
missing for at least 48 hours.

If you choose to select our preferred rental car provider and repair all the damage to your auto, our limit
of liability will include the following:
a. We will pay for the rental car until the repairs of the damage to your auto are
completed.
b. We will pay the cost of renting a comparable class and size automobile.
c. We will pay, up to a maximum total of $500, for any administrative fee charged by the
rental company that you are contractually obligated to pay due to a covered loss to the
rental vehicle.

Page 1 of 3
10AR1259 (ED. 02/22)
The maximum amount we will pay under the Enhanced Substitute Transportation Coverage is $5,000,
and the coverage here will not duplicate any Comprehensive payments. This coverage does not apply to
a substitute or non-owned vehicle, motorcycles, or motorhomes.

III. Enhanced Towing and Labor

This coverage applies only if the Coverage Selections Page indicates that Part 11. Towing and Labor
apply to your auto.

When your auto is disabled, we will pay the reasonable cost for towing it to the nearest repair facility.
Additionally, we will pay to tow your auto when your keys are lost, broken, or accidentally locked in your
auto.

This coverage does not apply when your auto is a motorcycle or a motor home.

IV. Replacement Coverage on Mechanical Parts

This coverage applies only if the Coverage Selections Page indicates that Part 9. Comprehensive and
either Part 7. Collision or Part 8. Limited Collision apply to your auto.

In the event there is a covered loss to your auto and there is damage to mechanical non-body related parts
of your auto, we will not apply depreciation to replace those damaged mechanical non-body related parts.

This coverage does not apply to a substitute or non-owned vehicle, a motorcycle, or a motor home.

V. Trip Interruption Coverage

This coverage applies only if the Coverage Selections Page indicates that Part 9. Comprehensive and
either Part 7. Collision or Part 8. Limited Collision apply to your auto.

With respect to your auto, we will pay, without application of a deductible, up to a maximum total limit of
$600. We will reimburse you for reasonable expenses incurred by you in order to return home or resume
travel under a prearranged itinerary. The covered expenses are as follow:

Transportation expenses in the event of a mechanical or electrical breakdown of your auto, and
Expenses for lodging and meals in the event of:

a. A direct and accidental loss to your auto covered under Part 7. Collision, Part 8.
Limited Collision, or Part 9. Comprehensive, or
b. Mechanical or electrical breakdown of your auto.

This coverage applies only if the loss to or mechanical or electrical breakdown of your auto occurs more
than 100 miles from home and your auto is withdrawn from use for at least 24 hours.

No one will be entitled to receive duplicate payments for the same elements of loss under this coverage
and Parts 7. Collision, 8. Limited Collision, and 9. Comprehensive of the policy.

VI. Rental Vehicle Loss of Income Coverage

Optional Insurance Part 7. Collision, Part 8. Limited Collision, and Part 9. Comprehensive are amended
to add:

If you or a household member listed on your policy are responsible for a covered loss to a rented
vehicle, we will pay for loss of income of the rented vehicle. This is provided that a written contract or
Page 2 of 3
10AR1259 (ED. 02/22)
agreement, executed prior to the loss with the owner of the rental vehicle, holds you or a household
member responsible for loss of income, and the vehicle was rented or hired without a driver.

While the damaged vehicle is under repair or being replaced, we will pay for loss of income that would
be earned if the vehicle had not been damaged. We will not pay for normal business expenses.

The most we will pay under this coverage is $35 per day up to a maximum payment of $500.

VII. Air Bag Coverage

General Provisions and Exclusions, number 9 is amended to add the following at the end:
This exclusion does not apply to the accidental discharge of an airbag.

VIII. Bail Bonds

Optional Insurance, Part 5. Optional Bodily Injury To Others, the paragraph beginning “We will also pay
up to $250 for the cost of bail bonds” is amended to read:

We will also pay up to $500 for the cost of bail bonds required as a result of an accident covered under
this Part including bail bonds for traffic law violations related to the accident.

IX. Seat Belt Death Benefit

We will pay a $5,000 death benefit for you and any household member whose death is a direct result
of a covered loss to your auto if they were properly restrained by a seat belt at the time of loss.

X. Other Sources of Recovery

Any coverage we provide under this endorsement shall be excess over any other collectible source of
recovery applicable to this loss including, but not limited to, any coverage provided by:
a. Vehicle warranties,
b. Automobile clubs,
c. Mechanical breakdown or similar plans,
d. Any other trip interruption plans, or
e. Any other source of recovery.

Page 3 of 3
10AR1259 (ED. 02/22)
 Important Consumer Information

Ways to Save Guide

Arbella is pleased to inform you of the availability of the consumer information guide “Ways to
Save on Your Automobile Insurance.” This guide educates consumers about automobile
insurance pricing and coverage options.

You may obtain a free copy of the guide in one of the following ways:

· Visit our website at www.arbella.com/insurance/car-insurance. A PDF version of the guide

is available to view or print.

· Email us at [email protected] to receive a copy through email or by

United States Postal Service. Please specify which method you prefer.

· Call us toll free at 1-800-ARBELLA (272-3552) and select Personal Lines Customer
Service from the automated menu to talk to one of our Representatives.

10AR1284 0113 Page 1 of 1