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Business Auto Policy <br />MGTof America Consulting, LLC Policy 2093563501 <br />SECTION IV— BUSINESS AUTO CONDITIONS <br />The following conditions apply in addition to the <br />common Polley Conditions: <br />A. Loss Conditions <br />1. Appreleal For Phyakal Damm Lova <br />If you and we disagree on the amount of 'lose,' <br />either may demand an appraisal of the 'loss.- In <br />[his event, each party will select a competent <br />appraiser. The two appreiaers will select a <br />competent and impartial umpire. The appraisers <br />will state separately the actual cash value and <br />amount of '1090.' If they fall to ogres, they will <br />submit their digemnoes to the umpire. A <br />docialon agreed t0 by any two will be binding. <br />Each party will: <br />a. Pay Its chosen appralser; and <br />b. Bear the other expenses of the appraisal <br />and empire equafly. <br />If we submit to an appraisal, we will still retain <br />our right to deny the claim. <br />2. Duties In The Event Of Accident, Claim, Sun <br />Or Loss <br />We have no duty to provide coverage under this <br />policy unless there has been full compliance <br />With the following duties: <br />a. In the Avant of 'accldnk' claim, 69ulr or <br />Boss,' you must give us or our authorized <br />represamalhre prompt notice of the <br />'accident' or'lass.' include: <br />(1) How, when and where the 'accident' or <br />loss' occurred; <br />(2) The 'Insureds* name and address; and <br />(3) To the extent possible, the names and <br />addresses of any injured Pomona and <br />witnesses. <br />b. Additionally. you and Any other involved <br />'insured' must: <br />(1) Assume n0 obligation, make no <br />Payment or Incur no expense without <br />our consent, except at the 'insureds - <br />own coal. <br />(2) Immadietefy send us copies of any <br />request, dernnd, order, notice, <br />summons or le®gal paper received <br />concerning the Clelm or 'suit. - <br />(3) 000Pamte with us In the investigation <br />ar: or satlement of the claim or defense <br />IBM— against theasuft' <br />(4) Authorize us to obtain medical records <br />or other pertinent information. <br />(9) Submit to examinedon, at our expense. <br />by physicians of our choice, as often as <br />we reasonably require. <br />c. 0 there Is 'Jose- to a covered 'auto' or Its <br />equ[prnenl you must also do the following: <br />CA 000193 g9 <br />(1) Promptly notify the police if the Covered <br />'auto' or any of Its equipment is stolen. <br />(2) Take all reasonable elope to protect the <br />covered 'auto' from further damage. <br />Also keep a record of your expenses for <br />consideration In file astuemAnt of the <br />claim. <br />(a) Permit us to InSpeCI the covered 'auto - <br />and records proving the'doss' before its <br />repair f disposition. <br />(4) Agree to examinallons under oath at <br />our request and give us a signed <br />statement of your answers. <br />3. Legal Action Against Us <br />No one may bring a legal action against us <br />under this Coverage Form until: <br />e. There has been full compliance with ail the <br />terms Of this Coverage Form; and <br />b. Under Liability Coverage, we agree in <br />writing that the 'insured' hes an obligation <br />to pay ar until the amount of that obllgaton <br />has finally been determined by judgment <br />after 1691. No one has the Nail under this <br />Policy to bring us Into an action 10 <br />determine the'Insursd's` liability, <br />4. Lou Payowrd — phyalcaf Damage Covaregaa <br />a, <br />At our option we may,- <br />A. <br />ay:A. Pay for, repair or replace damaged of stafon <br />property; <br />b. Return the Stolen pmp911y, at our expense. <br />We will pay for any damage that results le <br />the 'auto' from the theft; or <br />o. Take all or any part of the damaged or <br />Stolen property at an agreed or appraised <br />value. <br />it we pay for the "lose.' our payment will include <br />the applicable sales lax for the damaged or <br />stolen property, <br />Transfer OI Rights of Recovery Agstnst <br />Others To Us <br />It any person or organlzaUn to of for whom we <br />make payment under this Coverage Form has <br />rights to recover damages from another, those <br />rights <br />g ntzetonrmustrdo everyed to thing ® <br />t person or <br />Crnecessary to <br />secure out rights and must do nothing after <br />'accident' or *lass' to Impair them. <br />B. Cerebral Conditions <br />I. Bankruptcy <br />Bankruptcy or insolvency of the 'insured' or the <br />'Issuracra' estate will not relieve us of any <br />0111111111100 under this Coverage Form. <br />2. Connelment, Mkuoprseenteflon or Fraud <br />This Coverage Form is void In Any 0890 of fraud <br />by you at any time as It reform to this Coverage <br />Copyright, ISO Prop9111e9, Inc., 2005 leswipa 7of 11 f Y v b <br />REVIEWE <br />By Margaret Mercer at 5:44 pm, Oct 31, 2017 <br />