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D. Deductible (2) Immediately send us copies of <br /> For each covered "auto", our obligation to pay for, any request, demand, order, <br /> repair, return or replace damaged or stolen prop- notice, summons or legal paper <br /> erty will be reduced by the applicable deductible received concerning the claim or <br /> shown in the Declarations. Any Comprehensive "suit". <br /> Coverage deductible shown in the Declarations (3) Cooperate with us in the <br /> does not apply to "loss" caused by fire or investigation or settlement of the <br /> lightning, claim or defense against the <br /> SECTION IV—BUSINESS AUTO CONDITIONS "suit". <br /> The following conditions apply in addition to the (4) Authorize us to obtain medical <br /> Common Policy Conditions: records or other pertinent <br /> information. <br /> A. Loss Conditions <br /> (5) Submit to examination, at our <br /> 1. Appraisal For Physical Damage Loss expense, by physicians of our <br /> If you and we disagree on the amount of choice, as often as we reasonably <br /> "loss", either may demand an appraisal of require. <br /> the "loss". In this event, each party will c. If there is "loss"to a covered "auto" or its <br /> select a competent appraiser. The two equipment you must also do the following: <br /> appraisers will select a competent and <br /> impartial umpire. The appraisers will state (1) Promptly notify the police if the covered <br /> separately the actual cash value and "auto"or any of its equipment is stolen. <br /> amount of"loss". If they fail to agree, they (2) Take all reasonable steps to protect the <br /> will submit their differences to the umpire. covered "auto" from further damage. <br /> A decision agreed to by any two will be Also keep a record of your expenses <br /> binding. Each party will: for consideration in the settlement of <br /> a. Pay its chosen appraiser; and the claim. <br /> b. Bear the other expenses of the (3) Permit us to inspect the covered <br /> appraisal and umpire equally. "auto" and records proving the "loss" <br /> before its repair or disposition. <br /> If we submit to an appraisal, we will still <br /> retain our right to deny the claim. (4) Agree to examinations under oath at <br /> our request and give us a signed <br /> 2. Duties In The Event Of Accident, statement of your answers. <br /> Claim,Suit Or Loss <br /> 3. Legal Action Against Us <br /> We have no duty to provide coverage <br /> under this policy unless there has been No one may bring a legal action against us <br /> full compliance with the following duties: under this coverage form until: <br /> a. In the event of "accident", claim, "suit" a. There has been full compliance with all <br /> or "loss", you must give us or our the terms of this coverage form; and <br /> authorized representative prompt no- b. Under Liability Coverage, we agree in <br /> lice of the"accident"or"loss". Include: writing that the "insured" has an <br /> (1) How, when and where the "acc- obligation to pay or until the amount of <br /> ident"or"loss"occurred; that obligation has finally been <br /> determined by judgment after trial. No <br /> (2) The "insured's" name and add- one has the right under this policy to bring <br /> ress; and us into an action to determine the <br /> (3) To the extent possible, the names „insured's" liability. <br /> and addresses of any injured 4. Loss Payment — Physical Damage Cover- <br /> persons and witnesses. ages <br /> b. Additionally, you and any other At our option we may: <br /> involved "insured" must: <br /> (1} Assume no obligation, make no a. Pay for, repair or replace damaged or sto- <br /> payment or incur no expense len property; <br /> without our consent, except at the <br /> "insured's"own cost. <br /> Page 8 of 12 ©Insurance Services Office, Inc.,2009 CA 00 01 03 10 <br />