Otak, Inc. 2/23/2017 - Laserfiche WebLink

cellation is that your driver's license or B. CHANGES that of any driver who customarily uses a This policy contains all the agreements between covered "auto" has been suspended or you and us concerning the insurance afforded. revoked during the policy period. The first Named Insured shown in the Declare- 5. We will also mail or deliver to any mortgage tions is authorized to make changes in the terms holder, pledgee or other person shown in this of this policy with our consent. This policy's terms policy to have an interest in any loss which can be amended or waived only by endorsement may occur under this policy, at their last mail- issued by us and made a part of this policy. ing address known to us, written notice of C. EXAMINATION OF YOUR BOOKS AND cancellation prior to the effective date of can- RECORDS cellation. If cancellation is for reasons other than those contained in paragraph A.3. We may examine and audit your books and re- above, this notice will be the same as that cords as they relate to this policy at any time dur- mailed or delivered to the first Named In- ing the policy period and up to three years after- cured. If cancellation is for a reason con- ward. tained in paragraph A.3. above, we will mail D. INSPECTION AND SURVEYS or deliver this notice at least 20 days prior to 1. We have the right to: the effective date of cancellation. 6. Notice of cancellation will state the effective a. Make inspections and surveys at any date of cancellation. If the policy is cancelled, time; that date will become the end of the policy b. Give you reports on the conditions we period. If a Coverage Part is cancelled, that find; and date will become the end of the policy period c. Recommend changes. as respects that Coverage Part only. 2. We are not obligated to make any inspec- 7. If this policy is cancelled, we will send the tions, surveys, reports or recommendations first Named Insured any premium refund due. and any such actions we do undertake relate If we cancel, the refund will be pro rata. If the only to insurability and the premiums to be first Named Insured cancels, the refund will charged. We do not make safety inspections. be at least 90% of the pro rata refund unless We do not undertake to perform the duty of the following applies: any person or organization to provide for the a. If: health or safety of workers or the public. And (1) You are an individual; we do not warrant that conditions: (2) A covered auto you own is of the"pri- a. Are safe or healthful; or vate passenger type"; b. Comply with laws, regulations, codes or (3) The policy does not cover garage, standards. automobile sales agency, repair 3. Paragraphs 1. and 2. of this condition apply shop, service station or public park- not only to us, but also to any rating, advi- ing place operations hazards; and sory, rate service or similar organization • (4) The first Named Insured cancels, which makes insurance inspections, surveys, reports or recommendations. the refund will be not less than 90% 4. Paragraph 2. of this condition does not apply of the unearned portion not exceed- ing $100, plus 95% of any unearned to any inspections, surveys, reports or rec- portion over $100 but not exceeding ommendations we may make relative to certi- $500 and not less than 97% of any fication, under state or municipal statutes, or- unearned portion in excess of$500. dinances or regulations, of boilers, pressure vessels or elevators. The cancellation will be effective even if E. PREMIUMS we have not made or offered a refund. 8. if notice is mailed, proof of mailing will be 1. The first Named Insured shown in the Decla- sufficient proof of notice. rations: a. Is responsible for the payment of all pre- E miums; and Page 2 of 4 Includes the copyrighted material of Insurance Services Office,Inc.with its permission. IL T3 16 09 07(Rev.09-08)