payment from anyone who may be jointly responsible for
the accident.
7. Allow us to inspect and appraise the damaged property
before it is repaired, destroyed or discarded.
8. Allow us, with your consent, to move your insured car,
at our expense, to a storage facility of our choice. If you
do not give us your consent, we will pay only the storage
costs which would have resulted if we had moved your
insured car to a storage facility of our choice.
9. Submit to statements and or examinations under oath as
often as we reasonably require, separately and apart from
others, and to sign the transcript.
10. Provide us with copies of any documents that we
reasonably require at the time of the examination under
oath and any other time, and allow the copying of
any documents we or our designated representative
requests. This includes producing any documents that we
identify as being reasonable and necessary to investigate
and process your claims. Such documents must be
provided to us or our designated representative in a
timely manner, and if requested, prior to an examination
under oath.
11. Authorize us to obtain:
a. Medical reports and records;
b. Any documents we indicate are necessary to
investigate and process your claim; and
c. Event data recorders and/or sensing and diagnostic
modules or any other recording device for the purpose
of retrieving data following an accident or loss.
12. Provide any written sworn proofs of loss we require,
including all details we may need to determine the
amounts payable.
13. Send or provide us, as soon as reasonably practicable,
copies of all legal papers you receive relating to any claim
or suit.
14. If Claiming Medical Expense Coverage under Part III,
submit receipts or bills for these services no later than 60
days following treatment date.
B. General Conditions
1. Policy Period and Territory
This policy applies only to accidents occurring during
the policy period shown on the Declarations Page if the
accidents occur within the United States, its territories
or possession, Puerto Rico and Canada, or while your
insured car is being shipped between their ports.
2. Your Duty To Report Changed Circumstances
a. Your policy was issued in reliance on the information
you provided us at time of application, including
information concerning any cars and persons insured
by the policy. You agree to cooperate with us in
determining if the information you provided and
upon which we relied to issue this policy is correct and
complete. You agree by acceptance of this policy that
all information shown on the Declarations Page of
your policy and on the Application is accurate.
b. Yo u agree that if any information changes, is
incorrect or incomplete, you will notify us as soon as
reasonably practicable to change it. If we determine
any information is incorrect or incomplete, we may
change it. Based upon any new information you
report or we may discover we may adjust your
coverage and premium accordingly during the policy
period. Any recalculation by us of your premium, or
any changes we make to your coverage, based on
new information acquired, will be made using the
rules, rates and forms used in your state as of the date
of the change.
c. Some of the types of information you must notify us
about include but are not limited to:
(1) A change of your mailing address or the principal
garaging of any your insured car;
(2) New drivers residing in your household;
(3) Any persons who become new regular users of
your insured car(s);
(4) You or any family member obtains a driver's
license or operator's permit;
(5) Changes in the use of your insured cars; or
(6) Changes in your discount eligibility.
3. Coverage Changes
When we broaden coverage during the policy period
without charge, the policy will automatically provide the
broadened coverage when eective in your state. We
may make other changes or replace this policy, to conform
to coverage currently in use at the next policy period.
4. Legal Action Against Us
No legal action may be brought against us until there has
been full compliance with all the terms and conditions
of this policy. No person or organization has any right
under this policy to bring us into any action brought to
determine the liability of an insured person.
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Personal Auto Policy (continued)