For Stream 2, South Korea, Vietnam, Indonesia, Malaysia, Singapore and all Latin American and Caribbean Countries (LAC) are included in the program. This insurance agreement provides deductible coverage for bodily injury and property damage covered by the institution`s underlying basic insurance. This insurance agreement covers civil liability for bodily injury and property damage caused by the ownership, maintenance, use, loading or unloading of a covered car. This insurance agreement provides general liability protection, with different terms, conditions and limits for liability for bodily injury and property damage, liability for bodily injury, liability for advertising damages and sickness expenses. This insurance agreement covers damages resulting from alleged acts, errors or omissions, for which the university is legally obliged to pay on the basis of claims made to it and which are not excluded by other means under the policy. . . .