The Supplementary Expense Beneﬁts Shown To The Right Are Payable In Addition To Any Of The Serious Injury Beneﬁts Shown Above.
All Beneﬁts Are Payable In Addition To Any Other Insurance The Rider May Have (Except As Noted For Ambulance).
Specific rates will be quoted for each event based on the risk characteristics of the event. Contact AGU or submit a quote request.
Benefits are not payable for injury caused by:
“Member” means Loss of Hand or Foot, Loss of Arm or Leg, Loss of Sight, Loss of Speech and Loss of Hearing.
“Loss of Hand or Foot” means complete Severance through or above the wrist or ankle joint.
“Loss of Arm or Leg” means complete Severance through or above the elbow or knee joint.
“Loss of Sight” means total and permanent loss of sight of one eye that is irrecoverable, including by surgical and artificial means.
“Loss of Speech” means total and permanent loss of audible communication that is irrecoverable by natural, surgical or artificial means.
“Loss of Hearing” means permanent total deafness in both ears such that it cannot be corrected by any aid or device.
“Loss of Thumb and Index Finger of the Same Hand” means complete Severance of each through or above the metacarpophalangeal joint of both digits of the same hand.
“Severance” means the complete separation and dismemberment of the part from the body.
Severe Traumatic Brain Injury means a traumatically-induced structural injury to the brain with physiological disruption of brain function resulting directly and independently of all other causes from a Covered Accident: