The member is insured for Personal Auto Loss of Life coverage per the benefit limit. This benefit is available for the Member only and not for the other Covered Individuals. Coverage applies while riding in a duly registered Automobile and while wearing a seat belt at the time of the accident. Automobile means a four wheeled, private passenger car, station wagon, van or jeep-type vehicle which is not being used as a Common Carrier. Benefits for loss of life will be paid to the beneficiary the member has designated. If the member has not designated a beneficiary, the loss-of-life benefit will be paid to the survivors, in equal shares, in the first of the following classes to have a survivor at the member’s death: (1) spouse, (2) children, (3) parents, (4) brothers and sisters. If there is no survivor in these classes, payment will be made to the member’s estate.

The member is insured for Common Carrier Travel Accidental Death and Dismemberment coverage per the benefit limit. This benefit is available for the Member only and not for other Covered Individuals. Coverage applies when the member is riding as a passenger (not the operator, pilot, or crew member) in or on, or boarding or alighting from, a common carrier. Common Carrier means a conveyance operated by a concern, other than the Policyholder, organized and licensed for the transportation of passengers for hire and operated by an employee of that concern. Benefits for loss of life will be paid to the beneficiary the member has designated. If the member has not designated a beneficiary, the loss-of-life benefit will be paid to the survivors, in equal shares, in the first of the following classes to have a survivor at the member’s death: (1) spouse, (2) children, (3) parents, (4) brothers and sisters. If there is no survivor in these classes, payment will be made to the member’s estate.

We will assist in arranging a bail bond with a bonding company of member’s choice if member is charged in an accident in which someone is injured or killed. We will pay the bondman’s fees of up to 10% of the face of the bail bond set up to a maximum of $1,000. We do not agree to be a surety or a guarantor on bail bonds of any kind.

If the member is charged with manslaughter due to an auto accident, we will pay the attorney of the member’s choice up to $250 to defend him/her in a preliminary hearing. The member is eligible for up to $250 for each subsequent hearing or trial, not to exceed $750 per incident.