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Commercial Auto - Policy # 7352-29-55 June 25, 2009 to June 25, 2009 ICF International Inc, /// Jones & Stokes Associates. Inc. (5) Submit to examination, at our expense, by physicians of our choice, as often as we reasonably require. m If there is loss" to a covered 'auto' or its equlpment you must also do the following: (1) Promptly notify the police if the covered "auto" or any of its equipment is stolen. (2) Take ail reasonable steps to protect the covered "auto" from further damage. Aiso keep a record of your expenses for consideration in the settlement of the dellml, (3) Permit us to inspect the covered auto" and records proving the 'toss' before Its repair or disposition. (4) Agree to examinations under oath at our request and give us a signed staternent of your answers. 3. Legal Action Against us No one may bring a legal action against us un- der this Coverage Form until: a. There has been full Compliance with all the terms of this Coverage Form; and b. Under Liability Coverage, we agree In writ- ing that the insured" has an obligation to pay or until the amount of that obligation has finally been determined by judgment af- ter trial. No one has the right under this policy to bring us into an action to deter- mine the I nsured's" liability. 4. Loss Payment - Physical Damage Coverages At our option we may: a pay for, repair or replace damaged or stolen property; b. Return the stolen property, at our expense. We will pay for any damage that results to ihe'auto"from the theft; or c Take all or any part of the damaged or sto- len property at an agreed or appraised value, If we pay for the 'loss", our payment will In- clude the applicable sales tau for the damaged or stolen property. OTT�Ulbr Of Rights Of Recovery Against Oflters If any person or organization to or for whom we make payment under this Coverage Form has rights to recover damages from another, those rights are transferred to us. That person or organization must do everything necessary to secure our rights and must do nothing alter "accident" or "loss" to impair them. B. Genp W cardigons f. Balrong sty Bankruptcy or insolvency of the 'lnsured" or the Ineured's' estate will not rellevte us of any obligations Under this Coverage Form. 3. Concealment; Mlsropreselntatlon Or Fraud MIS Coverage Form Is void In any case of fraud by you at any Iwo as it relates to this Coverrege Form. It is also void If you or any Other Insured", at any flare, Intentionally con- ceal or misrepresent a material fact concerning: a. This Coverage Form; b. The oovered "auto`, c. Your Interest in the covered 'lento"; or d. A deism under Ibis Coverage Form. 3. Liberaftudon If we revise this Coverage Form to provide MOB coverage without additional premium charge, your policy wail autonnatleally provide the additional covarege as of the day the revi- sion Is effective In your state. 4. No Benelft To Bailee - Physkai Damage Coverages VW will not recognize any assignment or grant any coverage for the benefit of any person or organization holding, storing or transporting Property for a fee regardless of any other pro. vislon of this Coverage Form. " -"-r Insurance a For any covered 'auto" you awn, this Cov- erage Form provides primary insurance. For any covered 'auto" you don't vwn, the in- surance provided by this Coverage Form is excess over any other collectible insurance. However, while a covered "auto" which is a 'troller' is connected to another vehicle, the Liability Coverage this Coverage Form pro- vides for the halter" is: (1) Excess while It is connected to a motor vehicle you do not own. (2) Primary while It is conneelled to a cov- ered 'tauto" you own. b. For Hired Auto Physical Damage Coverage, any covered 'auto" you (ease, hire, rent or borrow Is deemed to be a covered "auto" you own. However, any 'auto" that is leased, hired, rented or borrowed with a driver Is not a oovered "auto'. c. Regardless of Cie provisions of Paragraph a above, this Coverage Form's Liability Coverage is primary for any liability as- sumed under an Insured contract". Page 8 of 11 © ISO Properties, Inc., 2000 CA 00 0110 01