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Commercial Auto - Policv # 7252-29-55 <br />June 25. 2012 to June 25, 2013 <br />ICF Jones & Stokes. Inc. <br />(s) Submit to examination, at our expense, <br />by physicians Of our choice, es Often as <br />we reasonably require. <br />r~ If there is loss" to a covered 'auto" or its <br />equipment you must also do the following, <br />(1) Promptly notify the police if the covered <br />"auto" or any of its equiprnent is stolen. <br />(2) Take all reasonable steps to protect the <br />covered "auto" from further damage. <br />Also keep a record of your expenses for <br />consideration In the settlement of the <br />claim. <br />(3) Permit us to inspect the covered 'auto" <br />and records proving the "toss' before its <br />repair or disposition. <br />(4) Agree to examinations under oath at our <br />request and give us a signed statement <br />of your answers. <br />3. Legal Acton Aeanst Us <br />No one may bring a legal action against us un- <br />der this Coverage Form until: <br />a. There has been full complIance with all the <br />terms of this Coverage Form,- and <br />b. Under Liability Coverage, vve agree in writ- <br />Ing that the 'insured" has an obligation to <br />pay or untff the amount of that oblfgatfon <br />has finally been determined by judgment af- <br />ter trial. No one has the right under this <br />policy to bring us Into an action to deter- <br />mine the insured's"liabiffty. <br />4. Loss Payment - Physical Damage Coverages <br />At our option wn may. - <br />Pay for, repair Or replace damaged or stolen <br />property, <br />b. Return the stolen property, at our expense. <br />We will pay for any damage that results to <br />the 'auto" from the theft or <br />r~ Take all or any part of the damaged or sto- <br />len Prop" at an agreed or appraised <br />If we PaY for the loss", our payment will In- <br />clude the applicable sales tax for the damaged <br />�—�or stolen property. <br />f 5. �rarrsfer Of Rights Of Recovmy Against Others <br />To Us <br />if any person or organization to or for whom <br />we make payment under this Coverage Form <br />-�-- has rights to recover damages from another, <br />those rights are transferred to us. That person <br />or organization must do everything necessary <br />In secure our rights and must do nothing after <br />"accident" or "loss" to Impair them. <br />S. rW Condltlatw <br />f. Banivupilcy <br />8enkruptcy or Insolvency of the insured" or <br />the lnsured's" estate will not relieve us of any <br />obligations under this Coverage Form. <br />2• Conoealittent 1016miarmnWon Or Fraud <br />This Coverage Form is void in any case of <br />fraud by you at any 1IFFe as It relates to this <br />Coverage Form, it is also void if you or any <br />other Insured", at any lima, intentionally con- <br />ceal or misrepresent a material tact conceming., <br />a Thls Cowage Form, <br />b. The ocwered "auto- <br />c- Your interest in the covered 'auto"; or <br />d, A clam Under this Coverage Form, <br />3. LiberaCaatlon <br />If we revise this Coverage Form to provide <br />more coverage without additional premium <br />charge, your policy will autornatl"Iy provide <br />the additional coverage as of the day the revi- <br />sion Is effective in your state. <br />4. No Benefit To Sallee • Physical Damage <br />Coverages <br />M will not recognize any Mslgnrnenl or grant <br />any coverage for the benefit of any person or <br />organization holding, storing or transporting <br />property for a fee regardless of any other pro. <br />vision of this Coverage Form. <br />ther insurance <br />Q. For any covered "auto" you awn• this Cov- <br />erage Fonn pravides primary insurance, For <br />any covered "auto" you don't -own, the In- <br />surance provided by this Coverage Form is <br />excess Over any other collectible insurance. <br />However, while a covered "auto" which is a <br />"trailer' is connected to another vehicle, the <br />Liability Coverage this Coverage Form pro. <br />vides for the trailer" is: <br />(1) Excess while it is connected to a motor <br />vehicle you do not own. <br />(2) Prhnary while it is connected to a cov- <br />ered "auto" you own. <br />b. For Hired Auto Physicai Damage Coverage, <br />any covered 'auto" you lease, hire, rent Or <br />borrow is deemed to be a covered "auto" <br />you own. Ffowever, any "auto" that Is <br />teased, hired,, rented or borrowed with a <br />driver is not a covered auto". <br />C. Regardless of the provrsfons of Paragraph <br />a. above, this Coverage Form's Liability <br />Coverage is primary for any liability as- <br />sumed under an 'insurers contract". <br />Page 8 of 11 � lsO Pfoperties, Inc., 20W CA 00 0110 01 <br />