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4. Loss Payment-Physical Damage 5. Other Insurance' <br /> Coverages w,-- „�,,: ,,..� ara m- NUM) <br /> Ole <br /> a. Eat .ay gLe aMk0' 'a <br /> At our option,we may: f BVe °= <br /> a. Pay for,repair or replace damaged or stolen ra lager a -ti' <br /> ROVIIKS <br /> property; t °gyp . i, ° °v_ tt <br /> . 9 <br /> b. Return the stolen property,at our expense. �rovee ,chili <br /> We will pay for any damage that results to z �m <br /> �Circ_..�. a"�i a°fin:� ed <br /> the"auto"from the theft; or Vefi {t*e' traf iAutos MEM <br /> t_ <br /> C. Take all or any part of the damaged or <br /> titt~.a Coverage Form provides fo" <br /> stolen property at an agreed or appraised t .5 riff <br /> value. iiiierairalle it is connected to a moto <br /> If we pay for the"loss",our payment will include reb.1 vo do;not own;or <br /> the applicable sales tax for the damaged or (2 pnm u`'� ;fie° it gis connected to a <br /> stolen property. covered"auto"you own. <br /> 5. Transfer Of Rights Of Recovery Against b. For Hired Auto Physical Damage Coverage, <br /> Others To Us any covered "auto" you lease, hire, rent or <br /> If any person or organization to or for whom we borrow is deemed to be a covered "auto" <br /> make payment under this Coverage Form has you own.However,any"auto"that is leased, <br /> rights to recover damages from another, those hired,rented or borrowed with a driver is not <br /> rights are transferred to us. That person or a covered"auto". <br /> organization must do everything necessary to c. Regardless of the provisions of Paragraph <br /> secure our rights and must do nothing after a. above, this Coverage Form's Covered <br /> "accident"or"loss"to impair them. Autos Liability Coverage is primary for any <br /> B. General Conditions liability assumed under an "insured <br /> 1. Bankruptcy contract". <br /> Bankruptcy or insolvency of the"insured"or the d. When this Coverage Form and any other <br /> "insured's" estate will not relieve us of any Coverage Form or policy covers on the <br /> obligations under this Coverage Form. same basis,either excess or primary,we will <br /> 2. Concealment, Misrepresentation Or Fraud pay only our share. Our share is the <br /> proportion that the Limit of Insurance of our <br /> This Coverage Form is void in any case of fraud Coverage Form bears to the total of the <br /> by you at any time as it relates to this Coverage limits of all the Coverage Forms and policies <br /> Form. It is also void if you or any other covering on the same basis. <br /> "insured",at any time, intentionally conceals or 6. Premium Audit <br /> misrepresents a material fact concerning: <br /> a. This Coverage Form; a. The estimated premium for this Coverage <br /> Form is based on the exposures you told us <br /> b. The covered"auto"; you would have when this policy began.We <br /> c. Your interest in the covered"auto"; or will compute the final premium due when <br /> d. A claim under this Coverage Form. we determine your actual exposures. The <br /> estimated total premium will be credited <br /> 3. Liberalization against the final premium due and the first <br /> If we revise this Coverage Form to provide Named Insured will be billed for the <br /> more coverage without additional premium balance, if any. The due date for the final <br /> charge, your policy will automatically provide premium or retrospective premium is the <br /> the additional coverage as of the day the date shown as the due date on the bill.If the <br /> revision is effective in your state. estimated total premium exceeds the final <br /> 4. No Benefit To Bailee-Physical Damage premium due, the first Named Insured will <br /> Coverages get a refund. <br /> We will not recognize any assignment or grant b. If this policy is issued for more than one <br /> any coverage for the benefit of any person or year, the premium for this Coverage Form <br /> organization holding, storing or transporting will be computed annually based on our <br /> property for a fee regardless of any other rates or premiums in effect at the beginning <br /> provision of this Coverage Form. of each year of the policy. <br /> CA 00 01 10 13 ©Insurance Services Office, Inc., 2011 Page 9 of 12 <br />