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(3) Cooperate with us in the investigation or 5. Transfer Of Rights Of Recovery Against settlement of the claim or defense Others To Us against the"suit". If any person or organization to or for whom we (4) Authorize us to obtain medical records make payment under this Coverage Form has or other pertinent information. rights to recover damages from another, those (5) Submit to examination, at our expense, rights are transferred to us. That person or by physicians of our choice, as often as organization must do everything necessary to we reasonably require. secure our rights and must do nothing after "accident"or"loss"to impair them. c. If there is "loss" to a covered "auto" or its B. General Conditions equipment, you must also do the following: (1) Promptly notify the police if the covered 1• Bankruptcy "auto" or any of its equipment is stolen. Bankruptcy or insolvency of the"insured" or the (2) Take all reasonable steps to protect the "insured's" estate will not relieve us of any covered "auto" from further damage. obligations under this Coverage Form. Also keep a record of your expenses for 2. Concealment, Misrepresentation Or Fraud consideration in the settlement of the This Coverage Form is void in any case of claim. fraud by you at any time as it relates to this (3) Permit us to inspect the covered "auto" Coverage Form. It is also void if you or any and records proving the"loss" before its other "insured", at any time, intentionally repair or disposition. conceals or misrepresents a material fact (4) Agree to examinations under oath at our concerning: request and give us a signed statement a. This Coverage Form; of your answers. b. The covered "auto'; 3. Legal Action Against Us c. Your interest in the covered "auto'; or No one may bring a legal action against us d. A claim under this Coverage Form. under this Coverage Form until: 3. Liberalization a. There has been full compliance with all the terms of this Coverage Form; and If we revise this Coverage Form to provide more coverage without additional premium b. Under Covered Autos Liability Coverage, charge, your policy will automatically provide we agree in writing that the"insured" has an the additional coverage as of the day the obligation to pay or until the amount of that revision is effective in your state. obligation has finally been determined by judgment after trial. No one has the right 4. No Benefit To Bailee—Physical Damage under this Policy to bring us into an action Coverages to determine the"insured's"liability. We will not recognize any assignment or grant 4. Loss Payment--Physical Damage any coverage for the benefit of any person or Coverages organization holding, storing or transporting property for a fee regardless of any other At our option, we may: provision of this Coverage Form. a. Pay for, repair or replace damaged or 5. Other Insurance stolen property; a. For any covered "auto" you own, this j b. Return the stolen property, at our expense. Coverage Form provides primary We will pay for any damage that results to insurance. For any covered "auto"you don't the"auto"from the theft; or own, the insurance provided by this c. Take all or any part of the damaged or Coverage Form is excess over any other stolen property at an agreed or appraised collectible insurance. However, while a value. covered "auto" which is a "trailer" is If we pay for the "loss", our payment will connected to another vehicle, the Covered include the applicable sales tax for the Autos Liability Coverage this Coverage damaged or stolen property. Form provides for the trailer Is: (1) Excess while it is connected to a motor vehicle you do not own; or CA 00 01 11 20 ©Insurance Services Office, Inc., 2019 Page 9 of 13 INSURED COPY