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Commercial Auto - Policy # 7252-29-55 June 25, 2012 to June 25, 2013 ICF Jones & Stokes, Inc. (5) Submit to examination, at our expense, by physicians of our choice, as Often as we reasonably require, c. tf there is loss' to a covered "auto" or its equipment you must also do the following: (1) Promptly notify the police if the covered "auto" or any of its equipment is stolen. (2) Take aft reasonable steps to protect the covered '!auto" from further damage. Also keep a record of your expenses for consideration in the settlement of the claim. (3) Permit us to Inspect the coverer} "auto" and records proving the 'low, before its repair or disposition. (4) Agree to examinations under oath at our request and give us a signed statement of your answers. 3. Legal Action Aednat Us No one may bring a legal action against us un- der this Coverage Form until: a, There has been full compUanee with an the terms of this Coverage Form; and b. Under LlabMty 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 ar. ter trial. No one has the right under this policy to bring us into an action to deter- mine the insureds" liabtirty. 4. Loss Payment " Physical Damage Caverages At our option we rnay,- a. Pay for, repair or replace damaged or stolen property; b. Return the stolen property, at our expense. W-a Will pay for any damage that resutts to the "auto" tram the theft; or c. Take all or any part of the damaged or sto- len ropstY at an agreed or appraised Valium if we pay for the 'toss', our payment will In- clude the applicable sales tax for the damaged ��or stolen property. { 5. Jrransfer Of Fgghts Of %covert' Against Others G7o Us 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 serene our rights and must do nothing after "accident" or'loss" to Impair thorn, Ek Ceapnrl Candlgotts f. t;larrlvupbly Beriitruptcy or insolvency of the 'insured^ or the lnsured's" estate witi not relieve us of any obtigstlons under this Coverage Form. 2• Concealment M)breprmnitat on Or Fraud This Coverage Form is void In any case of fraud by you at any tlme as It relates to this Coverage Form, It Is also void If you or any other Insured*. sM any time, intentlonaily con- osal or misrepresent a material fact concerning a. This Coverage Forth; b. The covered "auto"; c- Your interest in the cowed 'ajto" or d A clam under this Coverage Form, 3. Liberarmatlon It w9 revise this Coverage Form to provide more coverage without additional premium charge, your policy will automatically provide the additional coverage as of the day the revi- sion is effective in your state. 4. No Merwilt To Saba - physical Darin We Coverages We wilt not recognizs any assignment or grant any coverage for the benefit of any person or orgenizdIon holding, storing or transporting property for a fee regardless of any other pro. otvislon of this Coverage Form. ther Insurance a For any covered "auto* you awn, this Cov- erage Form provides primary insurance. For any covered "auto" you don't own, the In- suranoe provided by this Coverage Form is excess over any other collectible insurance. However, while a covered "auto" which is a 'trairer' is connected to another vehicle, the Liability Coverage this Coverage Form pro. vrdes for the 'Uailer" Is: (1) Excess while it is connected to a motor vehicle you do not own. (2) Primary while It Is connected to a cov- ered "auto" you own. b. For Hired Auto Physical Damage Coverage, any covered '!auto" you lease, hire, rent or borrow IS deemed to be a covered "auto" You own. H—ver, any '"auto" that Is teased, hired, rented or borrowed with a driver Is not a covered auto". c- Regardless Of ttte provisions of Paragraph a• above, this Coverage Form's Liability Coverage is prkrtary for any liability as- sumed under. an 'insured contract". Page 8 of 11 ISO Properties, Inc., 2WO CA 00 6110 01