Accident means a sudden, unexpected, unintended, specific event that occurs at an identifiable time and place, but shall also include exposure resulting from a mishap to a conveyance in which You are traveling.
Accidental Injury means Bodily Injury caused by an Accident (of external origin) being the direct and independent cause in the Loss and that 1) requires a physical examination and medical treatment by a Physician and 2) commences while Your coverage is in effect. The injury must be verified by a Physician.
Actual Cash Value means the lesser of the replacement cost or the purchase price less depreciation.
Additional Expenses means any reasonable expenses for meals and lodging as well as local transportation and essentialphone calls that were necessarily incurred as the result of a Hazard and that were not provided by the Common Carrier orother party free of charge.
Bankruptcy means the filing of a petition for voluntary or involuntary bankruptcy in a court of competent jurisdictionunder Chapter 7 or Chapter 11 of the United States Bankruptcy Code 11 L.S.C. Subsection 101 et seq.
Bodily Contact Sports means any sport where the objective is to physically render an opponent unable to continue withthe competition such as boxing and full contact karate.
Company means Nationwide Mutual Insurance Company.Confirmation of Coverage means the document that outlines Your benefits and Maximum Benefit amounts.Covered Expenses means expenses incurred by You that are for Medically Necessary care or treatment; due to
Sickness or Bodily Injury; prescribed, performed or ordered by a Physician; Reasonable and Customary Charges incurredwhile insured under this Certificate; and that do not exceed the Maximum Benefit limits shown in the Confirmation ofCoverage, under each stated benefit.
Cruise means any prepaid sea arrangements made by You.
Default means a material failure or inability to provide contracted services due to Financial Insolvency.
Economy Fare means the lowest published rate for a round trip economy ticket.
Effective Date means 12:01 A.M. local time, at Your location, on the day after the required premium for such coverage isreceived by the Company or its authorized representative.
Exotic Vehicles includes Alfa Romeo, Aston Martin, Auburn, Avanti, Bentley, Bertone, BMC/Leyland, BMW M Series,Bradley, Bricklin, Cosworth, Citroen, Clenet, De Lorean, Excalibre, Ferrari, Fiat, Iso, Jaguar, Jensen, Jensen Healy,Lamborghini, Lancia, Lotus, Maserati, MG, Morgan, Pantera, Panther, Pininfarina, Rolls Royce, Rover, Stutz, Sterling,