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(2)Removable from upermanently installed <br />housing unit modescribed inParagraph <br />b.(1)above; ur <br />(3)Aointegral partof suchequipment mu <br />described inParagraphs b.(1)and !z(%) <br />above. <br />2. Anadjustment for depreciation and physical <br />condition will bomade indetermining actual <br />cash value inthe event cfatotal "|u*o". <br />3. Iforepair orreplacement results inbetter than <br />like kind or quality,wewill not pay for the <br />amount nfthe betterment. <br />D. Deductible <br />For each covered "outo".our obligation k/pay for, <br />repair, return orreplace damaged orstolen <br />property will be reduced by the opp|ioah|* <br />deductible shown in the Declarations. Any <br />Comprehensive Coverage deductible shown inthe <br />Declarations does not apply to"|neo"caused by <br />fire orlightning. <br />SECTION !V~BUSINESS AUTO CONDITIONS <br />The following conditions apply inaddition Luthe <br />Common Policy Conditions: <br />A. Loss Conditions <br />t Appraisal For Physical Damage Loss <br />Ifyou and vvedisagree onthe amount of'|ons". <br />either may demand anappraisal nf the "loss". <br />|nthis event, each party will select ocompetent <br />appraiser. The two appraisers will select u <br />competent and impartial umpire. The <br />appraisers will state separately the actual cash <br />value and amount cf"|noa"|fthey fail 1uagree, <br />they will submit their differences 1nthe umpire. <br />Adecision agreed !obyany two will ba <br />bindirg. Each party will: <br />a.Pay its chosen appraiser; and <br />b.Bear the other expenses nfthe appraisal <br />and umpire equally. <br />Ifwesubmit toanappraisal, vv*will still retain <br />our right Undeny the claim. <br />2P Duties |nThe Event Cf Accident, Claire, Suit <br />Or Loss <br />We have no duty to provide coverage under <br />this policy unless there has been full <br />compliance with the following duties: <br />a.|nthe event of"uo:idnnr"claim, "auiror <br />"{oon".you must give usorour authorized <br />representative prompt notice of the <br />''mooiden[ur"loss".Include: <br />(1)How, when and where the "anddent'"r <br />"loss" occurred; <br />Page 8nfi2 <br />(2)The "insured's"name and address; and <br />(3) To the extent possible, the names and <br />addresses ofany injured persons and <br />witnesses. <br />Is. Additinno||y, you and any other involved <br />"insured" must: <br />(1) Assume no obligation, make no <br />payment nrincur noexpense without <br />our consent, except atthe "msurod'n" <br />own cost. <br />(2) Immediately send us copies ofany <br />reqvaw, damand, urder, notice, <br />summons orlegal paper received <br />concerning the claim or'oui[. <br />(3)Cooperate with usinthe investigation or <br />settlement ofthe claim ordefense <br />against the "suit". <br />MUAuthorize u*\vobtain medical records <br />o/other pertinent information, <br />(5)Submit inexamination, oLour expense, <br />hyphysicians nfour choice, owoften m: <br />wereasonably require. <br />c.|fthere |u"mss'1nwcovered "outo"orits <br />equipment, you must also dothe following: <br />(1) Promptlynuiifythapo|icwif1hvonvornd <br />"outn'orany o[its equipment |ostolen, <br />(2)Take all reasonable steps tnprotect the <br />covered "auto'`from further damage. <br />Also keep arecord oiyour expenses for <br />consideration III the settlement nfthe <br />(3) Permit us to inspect the covered "auto" <br />and records proving the "louu'before its <br />repair ordisposition. <br />(4)Agree tuexaminations under oath m1our <br />request and give uvasigned statement <br />ufynuranmwna. <br />3. Legal Action Against Uw <br />Nnone may bring alegal action against un <br />under this Coverage Form until: <br />a.There has been ruUcompliance with all the <br />terms n(this Coverage Form; and <br />&. Under Covered Autos Liability Cuve,uUo, <br />weagree inwriting that the "inourud"has air <br />obligation topay nruntil the amount of that <br />obligation has finally been determined by <br />judgment after trial. Nnone has the right <br />under this policy k/bring uointo anaction <br />Oc Insurance Services Office, Inc., 2011 <br />ACP BAPD78-6-6954504 LIM 17086 INSURED COPY CA0001101300 0001 47 0034420 <br />