Common use of Motorized Vehicles Clause in Contracts

Motorized Vehicles. a. Subject to the limitations set forth in b. and c. below, “we” pay for “bodily injury” or “property damage” that arises out of a “motorized vehicle” that: 1) is in dead storage on an “insured premises”; 2) is used only to service: a) an “insured premises”, but only if the “occurrence” takes place on an “insured premises” as defined in 16.a., 16.b., 16.c., 16.f., 16.g., or 16.h. under Definitions; or b) an “insured premises” or a premises of another, but only if such “motorized vehicle” is designed only for use off of public roads; 3) is designed to assist the handicapped; 4) is designed for recreational use off of public roads and is: a) not owned by an “insured”; or b) owned by an “insured”, but only if the “occurrence” takes place on an “insured premises” as defined in 16.a., 16.b., 16.c., 16.f., 16.g., or 16.h. under Definitions; 5) is operated only from electrical current supplied by a battery and is: a) not built or modified after manufacture to exceed a speed of 15 miles per hour on level ground; and b) not a motorized bicycle, moped, or golf cart; or 6) is a motorized golf cart that: a) is owned by an “insured”; b) is designed to carry no more than four persons; c) is not built or modified after manufacture to exceed a speed of 25 miles per hour on level ground; and d) at the time of the “occurrence”, is within the legal boundaries of: (1) a golfing establishment and is: (a) parked or stored there; or (b) being used by an “insured” to: (i) play the game of golf or for other recreational or leisure activity allowed by the establishment; (ii) travel to or from an area where “motorized vehicles” or golf carts are parked or stored; or (iii) cross public roads at designated points to access other parts of the golfing establishment; or (2) a private residential community, including its public roads upon which a motorized golf cart can legally travel: (a) that is subject to the authority of an association of property owners; and (b) in which an “insured premises” is located. b. The coverage described in a. above applies only to a “motorized vehicle” that, at the time of the “occurrence”, is not: 1) registered or designed for use on public roads or property; 2) required by law or governmental regulation to be registered for use at the location of the “occurrence”; 3) being used in, or in the practice or preparation for, a prearranged or organized racing, speed, pulling or pushing, demolition, or stunt activity or contest; 4) being rented to others; 5) being used to carry people or cargo for a fee; or 6) being used for any “business” purpose, except a motorized golf cart while on a golfing establishment.