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CAMPBELL, ARELLANO & RICH ATTnBNF.VS AT LAW . «nfll\?CAW" JOSEPH BRUCE Wm. ARELLANO CAROL ANN RICH ATTORNEYS AT LAW P.O. CHARLOTTE U.S. VIRGIN ISLANDS \\ W. MARK HILLSMAN OF COUNSEL: ROGER L. CAMPBELL March 8, 1993 ST. THOMAS OFFICE: NO. 4A * B KONGENS GADE CHARLOTTE AMALIE TELEPHONE 809/774-4858 TELECOPIER: 809/776-8442 ST. JOHN OFFICE: SCANDIC EXECUTIVE OFFICES MONGOOSE JUNCTION CRUZ BAY TELEPHONE 809/775-6655 Ms. Caroline Kwan Emergency and Remedial Response Division U.S. Environmental Protection AGency 26 Federal Plaza, Room 737 New York, New York 10228 Re: Second Request For Information Tutu Well Field Site Dear Ms. Kwan: Enclosed please find Ramsay Motors Inc.'s response to EPA's Second Recuest for Information, which was received by Ramsay Motors on January 26, 1993. On February 25, I discussed Ramsay's response with Andrew Prashack, and requested a brief extension o<* time, of one week or so, to complete the response. Attorney Praschak advised iu» to confirm our conversation in my transmittal letter, enclosing the response. If you hive any further questions, or we can be of any further assistance, please do not hesitate to contact me. Sincerely, Carol Ann Kich, Esq. CAR/bel Counsel fc r Ramsay Motors cc: Mrs. ^ita Ramsay Andre// Prashack, Esq. TUT *64486* 64486 ENVIRONMENTAL PROTECTION AGENCY, REGION II REQUEST FOR INFORMATION 1933 MAR 12 PH 12= 29 1. Please supplement your previous response if information not known or not available to you as of th£6Rla8ltfeCCijIfi.l«iSbmission of your response has become known or availabllRAtlGH you or has been found to be incorrect 2. Are or were mechanic repairs, including oil changes, performed at the facility? Please describe what type of repairs are, or were performed, if any, and the frequency of such repairs. 3. If the answer to question 2 above is yes, are or were any hazardous substances, substances containing hazardous substances or compounds, or hazardous wastes generated, treated, stored, disposed of or otherwise handled in the process? 4. If the answer to que~J_ion 3 above is yes, please list and/or describe what kinds of suL^tances were used. In addition, please describe where and how these substances were stored at the facility prior to their use, and all disposal practices regarding these solvents. Please attach any manifests, invoices and other documentation which relate to this question. If you are unable to provide a copy of any such document, please describe the document and explain why it cannot be provided. . 5. If oil changes are or were conducted at the facility, please give an annual summary explaining how the used oil was disposed of, the quantity disposed of per month and any and all analysis of this used oil. Please provide all appropriate documentation. If any such document is not available, please describe the document and explain why it cannot be provided. 6. Is there, or has there been, any oil water separators, used oil storage tanks or other similar structures at the facility? If the answer is yes, please describe the structure and location of each such unit at the facility and explain the use of each. Include units which have been removed and/or shut down. Please attach a diagram or drawing of these units, the dates of their use and their location. 7. Is there, or has there ever been any means by which fluids or sludge can escape or be discharged from the units identified in the response to question 6 (i.e., an open overflow valve or pipe) that presently exists or existed at the facility? 8. If the answer to question 7 above is yes, has there ever been such a discharge or release? If so, please explain all the details surrounding such a release and submit any related aooumantntion, including analysis. If a document is not available, please describe the document and explain why it cannot be provided. 9. By what means could hazardous substances such as 1,1,1- trichoroethane, trichloroethylene ("TCE"),1,2 trans- dichloroethylene ("DCE"), tetrachloroethylene ("PCE"), and roethyl-ethyl-ketone ("MEK") enter the units identified in your response to question 6 above? Please be specific, and explain all possible means. 10. Does or did the facility conduct periodic sampling to determine whether hazardous substances have entered the units identified in your response to question 6? If so, how often, and on what occasions.' Please attach any such analysis. 11. Have or were the units identified in your response, to question 6 been periodically cleaned out or emptied, either completely or partially? If so, how often and on what occasions? 12. If the answer to question 11 above is yes, please explain how the removed liquids and/or sludges are or were handled and disposed of. Please include any sampling procedures and relevant documentation such as analysis, and manifests. If a document is not available, please describe the document and explain why it cannot be provided. 13. Identify the location of each of the following on a plot plan of your facility, to scale, if available: a. all in use or out of use septic tanks, sewer connections and associated piping; b. all underground storage tanks either in use or out of service; c. all on site areas where hazardous wastes, regulated substances or hazardous substances are or could have been used, stored and disposed of; d. the former location of all underground storage tanks that have been removed. 14. For each septic tank, sewer connection and associated piping identified in the response to question 13.a. above, provide the following information, including all pertinent documentation: the date the tank was installed, the design plans for the system, and all maintenance records. For any septic tank taken out of service, specify the date it was taken out of service, and the reasons for discontinuing its use. Also identify all discharges to the tank and the origin of these discharges. 15. For each underground storage tank identified in response to question 13.b. above, provide the following information: a. the date the tank was installed; 5 b. all design and installation records for the tank and associated piping, including the expected life of the tank and the corrosion protection for the tank and associated piping, seasonably high water levels, and any lining system; c. state whether or not the tank is currently in service; if not in service, state the date of closure and the reasons for discontinuing use of the tank, and any further plans for the tank; d. for any tank or piping that has been replaced, state the reason for replacing the tank or piping, the day of removal of the tank or piping the day of inspection and the persons who performed it, the workplan for the removal, the condition of the tank or piping upon removal, the condition of soil surrounding the replaced tank or piping, whether any soil was removed or it was taken, and any sampling results connected with the replacement of the tank or piping. If this information is not known, please identify any persons who may have knowledge as to this matter; e. identify the type, characteristics and quantity of substances stored in the tank. Also provide all records related to the volume of materials shipped to the tank and removed from the tank; f. provide a detailed accounting of all maintenance activities on each tank or piping. This should include a detailed description of each repair on the tank or piping, the reason for the repair and how the problem was discovered; g. identify each suspected leak or spill associated with the tank or piping. Provide the date of the leak, the quantity of material lost, and how it was determined, the corrective action undertaken, agencies notified, and the names and addresses of all persons with knowledge of the incident. 16. For each location identified in question 13.c. above, state the manner in which each hazardous or regulated substance is or was containerized and stored. Also provide a detailed description of any releases at each location, including the date of the incident, type and quantity of material released, agencies notified, person or agency notified, corrective actions taken and the names and addresses of any person with knowledge of the release. 17. a. State the correct legal name of any prior owners or operators of your facility. b. State the name(s) and address(es) of the President and th« chairman off th« Soejfd, or other proeiding officer of the Adenti*4.»* in renponaa to question 17, a. 18. Identify any soil or pavement stains in the area of the facility, the source and cause of such stains, and any precautions which are now being taken to prevent such releases in the future. .,;j .••N V .-s; CERTIFICATION OF ANSWERS TO REQUEST'FOR INFORMATION :' \ Territory of _____________ 1 . State of ___________ ' County of ._______ 1 ' ''••. :'\i..':. • I certify under penalty of law that I have personally examined and am familiar with the information submitted in this .document (response to EPA Request for Information) and all documents submitted herewith, and that the submitted information is true, accurate, and complete, and that all documents submitted herewith are complete and authentic unless otherwise indicated.;;ViV,I; ani:. '•'•• aware that there are significant penalties for submitting falise information, including the possibility of fine and imprisonment. I am also aware that I am under a continuing obligation to supplement my response to EPA's Request for Information if any additional information relevant to the matters addressed in EPA's Request for Information or my response thereto should become known or available to me. NAME (print or typejT) TITLE (print or type) Sworn to before me this < day of NotaVy'Public^ / ENVIRONMENTAL PROTECTION AGENCY, REGION II Response To Second Request For Information . „ , 1393 HAR 12 PH 12' 29 Answer to No. 1 ERRO SITE COMPLIANCE Supplement To Previous Response Answer to No. 1(E) At the time of the response, November, 1987, waste oil storage drums were kept in the shop area. A concrete pad, with a 3 1/2 inch curb, was constructed next to the shop area in March, 1992, for drum storage. A roof was placed over the drum storage area in or about October, 1992. Answer to 4(c) As stated in the November, 1987 response, the underground storage tank in the service area vas not then in use. After further review of its records, Ramsay believes it may have ceased using the tank in 1986, when the Virgin Islands Department of Energy closed its St. Thomas office, and ceased its practice of regular collection of waste oil on St. Thomas. In the Summer of 1991, after obtaining oral instructions from the Virgin Islands Department of Planning and Natural Resources, Ramsay pumped a small residue of oil mixed with rainwater out of the tank, filled the tank with gravel, and sealed it with cement. The oil and water mixture was placed in a waste oil storage drum. No formal closure report has yet been prepared. Page -2- Answer to Mo. 14 (Regarding Insurance) In April, 1992, Ramsay was served with a third party complaint by Esso Standard Oil SA Ltd. (Esso) in the litigation captioned In re Tutu Water Wells Contamination. Master Docket No. 1989/107, pending in the District Court of the Virgin Islands, Division of St. Thomas & St. John. Notice of the claim was given to all companies that provided Ramsay with liability insurance for the period from 1978- 1987, based upon the allegations in the Esso complaint. Ramsay located the following policies: (1) 1978-1981 - Royal Insurance Co., policy attached. (2) 1981-1986 - Home, Firemans Fund and INA Policies (CIGNA Worldwide Insurance), policies attacheu. (3) .--986 - Guardian Ins. Co., policy attached. Roy?l and CIGNA are providing partial coverage for Ramsay's defense, under reservations of rights. Guardian declined coverage. Ramsay is contributing a substantial share of its own defense costs. Answer to No. 2 Yes. Ramsay performs service on brakes, transmissions, electrical repairs, body work, general service and replacement of parts and oil changes, primarily on Ford vehicles. Page -3- Answer to No. 3. To the best of Ramsay's knowledge, the answer is No. In the course of such repairs and service, Ramsay uses motor oil, engine degreasers, transmission fluid, brake fluid, coolant, and small amounts of gasoline. Substances drained from vehicles during service are collected and stored in the waste oil storage drums. None of the substances used by Ramsay are listed as hazardous wastes. Answer to No. 4. Prior to use, motor oil, transmission fluid, and degreasers are stored in the parts department, in the containers in which such products are purchased. The following is a list of products currently being used and stored: 2. Generally, Ramsay Motors uses the following types of products in the repair shop: 1. Motor Oil 2. Degreasers or Cleaners 3. Transmission Fluid 4. Brake Fluid 5. Coolant 6. Gasoline 7. Soap 3. Paints y. Paint Thinner 10. Radiator Flush 11. Refrigerant (for air conditioners) TUT OO3 Page -4- Over the years, Ramsay has purchased different brands, depending on price and availability. Records are not kept by specific brand name. The brands currently being, used stored, or handled at Ramsay are as follows: Brand Name Goop Siloo Siloo Permatex STP WD40 Karols Castrol Ford Yale Havoline Havoline Ford Valvoline Snap Thermo Guard Motorcraft Description Hand Cleaner 4 1/2 Ib cans Engine Cleaner 15 oz. cans Brake and Parts Cleaner 19 oz. cans Undercoating 16 oz. Cans Carb. Spray Cleaner 13 oz. cans Penentrant 9 oz. cans Brake Fluid 16 oz. cans Brake Fluid 12 oz. cans Anti-corrosion Compound 16 oz cans Muffler Cement 6 oz. Tubes ATF (Dextron II) 20SW 50 oil Disc Brake Colyzer Grease 4 oz. Tubes Grease (Cart) 14.1 oz. Tube Rad. Flush 12 oz. Bottles Anti-Rush Compound Silicone dielectric Compound 3 oz. Tubes Supplier Vento Vento Vento Vento Vento Vento Ford 7 Texaco Texaco Ford Western Auto Western Auto Thermo Guard Ford Page -5- Over the years, Ramsay has purchased the above-listed products from the following suppliers: (1) Rodriquez Auto Parts Tutu; (2) Western Auto Store at Four Winds; (3) Vento Distributors Corp. Calle F #40 Amelia Industrial Park Guaynabo, Puerto Rico, P.O. Box 363051 San Juan, Puerto Rico 00936-3051, 00965; (4) Texaco Caribbean, Inc., Box 3740, St. Thomas.; (5) Tutu Texaco Service Station, Inc; (6) Roel Auto Motor, 5994, Bayamon, Puerto Rico 00621; (7) Island Gas, Inc., Sub Base, St. Thomas; (8) Ford Motor Co. Ramsay does not now, and has not in the past, purchased any of the above-listed products in 55-gallon drums or other, similar industrial or wholesale size containers. Ramsay generally purchases the products it uses in boxes or quantities of 1-2 dozen, in the same types of containers' in which said products are sold to the general public by said suppliers. The sole exception was a one-time purchase of two or three 55 gallon drums of soap, from Prime Foods, St. Thomas. One drum remains, located in the body shop storage area. Invoices attached. Answer to No. 5 In aii average month, Ramsay probably rloes 10-15 oil changes. Used oil is stored in the drums. The only analysis of which Ramsay is aware has been performed by EPA's consultants, or by the Virgin Islands Department of Planning and Natural Resources, acting for EPA, in 1987 and 1988. Page -6- Answcv to Mo. 6. See Ramsay's response to EPA's first request for information, dated November 9, 1987, at No. 4, as supplemented by Response No. 1, above. Answer to No. 7 No. Answer to No. 8 No. Answer to No. 9 To the best of Ramsay's knowledge the answer to this question .is No. The only products used by Ramsay which contain TCE or PCE as component ingredients are aerosol spot applications (such as spray carb cleaner) which evaporate instantly and are not subject to flushing, run off,, or discharge. Answer to No. 10. N/A The unit is not in service. Answer to No. 11 See response to No. 1, above. Answer to No. 12 See response to No. 1, above. Page -7- Answer to No. 13 See Ramsay's response of November 9, 1987, to question. Answer to No. 14 See Ramsay's response of November 9, 1987 to question 2. Answer to No. 15 See Ramsay's response of November 9, 1987 to Question 4., as supplemented by response No. 1, above. Answer to No. 16 See response to No. 1 above. Ramsay is unaware of any leakages from res UST. Ramsay is unaware of any major spills or leaks from its service area or it storage drums. In connection with its regular operations, small amounts (a few ounces or less) of waste oil, transmission fluid, coolant, etc, may be spilled on the concrete floor of the repair shop when performing oil changes, or other service or repair work, or in transporting waste oil to the drums for storage. There may also have been smalJ spills or leaks from the drums onto the concrete floor or the drum storage slab. Spills are treated with clay, swept up, and placed in trash receptacles and ultimately transported to the Bovoni dump. Gasoline is used for parts washing. Small amounts (ounces or less), may Page -8- occasionaliy spill on the concrete floor. These small spills evaporate almost instantly. When the gasoline becomes dirty, it is placed in a waste storage drum. In 1989, Ramsay's employees observed waste oil leaking from the property next door, then occupied by a Gasset entity, onto Ramsay's property. This was promptly reported to DPNR, and it is believed that Leonard Reed visited the property in response. Answer to No. 17(a) When Ramsay purchased the property on May 19, 1978, there was an existing slab, where the service area is now located, and it is believed that the prior owners constructed the UST. The property was purchased from Rudy D'Angelica and Yvonne Louise D'Angelico. Ramsay is aware that the property was once occupied by a company called Co- Build, that once also owned much of the property in the area, including the LAGA and VIHA sites. Answer to No. 17(b) Unknown to Ramsay. Co-Build went out of business in the mid - I9~'0's. If Ramsay is able to locate any further information about the former owners, it will be provided. Page -9- Answer to No. 18. Prior to construction of the drum slab, a small oil stain (less than six inches in diameter) was discovered on the ground in the area. A small quantity of stained soil was removed and disposed of in the garbage. Stains on the pavement sometimes result from small spills during service. Such stains are treated with clay, which is swept up, and placed in the garbage. Employees are instructed to collect all used oil, etc. in pans, and place it in the storage drums. The service area is cleaned up after repairs. CERTIFICATION OF ANSWERS TO REQUEST ' FOR INFORMATION Territory of \/ U V \ v ?\ r * 1 .s ' « ^___ ^_j._ .__ __^_ State of __________ County of __________ I certify under penalty of law that I have personally and am familiar with the information submitted in this document (response to EPA Request for Information) and all documents '||^ submitted herewith, and that the submitted information is true/ accurate, and complete, and that all documents submitted herewith are complete and authentic unless otherwise ^n^dijCa^ted^.^;^^^^'^! • aware that there are significant penalties fof sSfemittirig false information, including the possibility of fine and imprisonment. I am also aware that I am under a continuing obligation to ^'^..'., supplement my response to EPA's Request for Information if anyV additional information relevant to the matters addressed in EPA's Request for Information or my response thereto should become^ known or available to me. ••',-;:&-•'•*••" NAME (print or type$ TITLE (print or type) Ai%~ /\p-*?<*+~^s SIGNATURE Sworn to before methis day of Public '•-.$. 8 1 s—11 n . -riVi!';v;-.-''-H "• • • •" ~~ l ~r I o i) f* ITPV <^i i f"*;^ THI r~* 1=* . • ,V_^.Lv_Ak_^ v_; JLJL JL.L_? v_^--L CXJLJLV_^v3; CO M P/VN i,JE S ;'"' :''/ , • EXECUTIVE OFFICEl 110 WILLIAM STREET NEW YORK, NEW YORK 10»l ATILLES NSURANCE, NC. JfeUETT INSURANCE SERVICES SELECT-COVER POLICY (General Provisions) HALL FOB>» ofr PEOPLE'S BANK BLDG. BOX 2698 774-2700 • '.;' ST. THOMAS, V.i. 00801 iy Reht-A- ":. Ramsay Car Inc.ji]:-ji i.iinii; •..,]!< ; 'i :j j i • • ' '(•••• . - • • • ( P.O. Box]3596/ Shi I Thomas,, VI 00801 I ^ • — These GENERAL PROVISIONS,,!!* DECLARAtlONS and the covtrate PART(S) and endorsimenis rifirrid iiln th« DECLARATION^ complete the contrast «l Insurance. ' : I -|l, M . . . . : .... . • . :j|'; ^;;jK Jl The company designated in the DECLARATIONS made a Paft.^r^Ja'jsJoc^irisurance^ornpany, herein called the company). In consideration of the pay- D.DT,ci' the Prem.i l u 1 m.vin relia"c,e up°1 llle statements in the DECLARATIONS, and subject to all the .terms of this policy'and Its designated coverage PARTIS), agrees with the named insured as follows and as contained in the PARTIS) designate!) in the declarations, ' ' . SUPPLEMENTARY The company will pay, in addition to the applicable limit of liability: . (a) all expenses incurred by the company, all costs taxed against the insured in any suit defended by the company and all interest on the • • entire amount of any judgment (herein which accrues after entry of the judgment and before the company has paid or tendered or de- posited in court that part of the judgment which does not exceed the limit of the company's liability thereon; i (b) premiums on appeal bonds required in any such suit, premiums on bonds to release attachments in any such suit for an amount not In excess of the applicable limit ol liability ol this policy, and the cost (c) (d) > " • > $ . • • • ' ; ; ol;ball bonds required of the Insured because of accident or traffic law violation arising out of the use of any vehicle to which this .policy applies, not to exceed $250 per bail bond, but the company 1 • shall have no obligation to apply lor or furnish any such bonds; expenses incurred by (he insured for first aid to others at the lime ol.an accident, for bodily Injury to which this policy applies; reasonable expenses incurred by the Insured al the company's re- quest ,!rj'assisting the company in the investigation or defense of ; any clairil or suit, Including actual loss of earnings not to exceed ''J25 peNay.11" '' • • •.'.'. '..••:>• ',:l: , • ' , ''•.. • ... . ,,.|^ - SPECIAL ADDITIONAL EXCLlJSjoiiV^j^.l :'; • •''. ;'•:•'; ' The following exclusion modifies the provisions of the policy relating to ALL LIABILITY AND MEDICAL PAYMENTS INSURANCE OTHER THAN COMPREHENSIVE PERSONAL AND FARMER'S COMPREHENSIVE PERSONAL INSURANCE. '•'"•"<•-. ;>'- • ";" -',', • ' . NUCLEAR ENERGY LIABILITY EXCLUSIO • \ ' ; - ; - V ••>•;•'" (Broad Form),.V,;(i;,J';:'••;': Rj'^00171 It is agreed that: I. The policy does not apply: Under any Liability Coverage, to bodily injury or property dam- A. age (1) with respect to which an Insured under the policy is also an insured under a nuclear energy liability policy issued by Nuclear Energy Liability Insurance Association, Mutual Atomic Energy Liability Underwriters or Nuclear Insur- ance Association of Canada, or would be an insured un- der any such policy but for its termination upon exhaus- tion of its limit of liabilty; or ' . . • ; - r.;- ^ i t (2),:', resulting from the hazardous properties of nuclear matt- i.'.\'''rial and with respect to which (a) any person or organiza- 'K)',ti [i|ion is required to maintain financial protection pursuant y.:"'',;.lo the Atomic Energy Act of 1954, or any law amendatory t .;'jI,-thereof,'or (b) the insured is, or had this policy not been :-'M,-issued would be, entitled to Indemnity from the United ;,•]„..iStates of America, or any agency thereof, under any agree- ••'','• yment entered into by the United States of America, or any '•*\' agency thereof, with any person or organization. Under any Medical Payments Coverage, or under any Supple- mentary Payments provision relating to first aid, to expenses incurred with respect to bodily Injury'resulting from the tiaz-j ' Cl 47901C Pooe 1 ECT-COVER POLICY (Declarations) ROYAL-GLOBE INSURANCE COMPANIES DULARATU. h when ^omhined with the GENERAL PROVISIONS and the comate PARTIS] and endorsements .designated herein, complete the contract ol Insurance numbered Courage is provided oy the Company designated bj entry ol "X" belore the company namt. j1.;.. , 'OLICY NUMBER ILU 22 91; 68 •toyal Indemnity Company Royal Globe Insurance Company t • '. i.i Royal Insurance Company, Limited , SELECT COVER POLICY •* '..-} ;.• ':'••':'xl'f- ••• D '- i'':'''' ", , '1 • : • ' ' • Globe Indemnity Company',^.y;;^ j^ •! ': I—I Safeguard Insurance Company^' ,! ' a D the London & Lancashire Insurance Company, Limited D The Liverpool & London & Globe Insurance Company Limited . • • • '• • lv:v I' Newark Insurance Company '• a a n ; i • American and Foreign Insurance Company Ramsay Motors Inc. & holiday Rent-A- ' . " l^.\ .f,'.,'.',: "j, ..',' I j, t,ar inc. . : • • • : \\ • • . • • : : . '.\ •:• \ • « I P . O . Box 3596, St. ..Thomas,, VI 00801 •r •. ••,. ; • • . , . - . • i '•. i > i •! .. • i. • i 2. POLICY PERIOD 9/20/78 AMEt INSURED IS: Individual , ; / . , 12:01 A.M. Standard time at the ! •• ' ' ' '• address of the Named Insured as 'To 9/20/81 ' ' stated in Item 1. \ -V -i\<- •-.'•'. , FR Partnership LXJ Corporation \^~ LOCATION OF ALL PREMISES OvUlED, RENTED OR CONTROLLED BY THE NAMED INSURED (ENTER "SAME'j IF SAME LOCATION AS ABOVE ADDRESS) ,05 Estate Annas ; ;- ' : '" ; :"••' '-(' ••'•• ! • • • ' . • i •• ketreat' (Tutu} St. Thomas, 'VI . , | M ; . : • • • " • • ! • ; • • • . • • • • < • : . ;•. P • '"• ':- '.1 " ' ••' .= • BUSINESS OF THE NAMEO INSURED Franchieed Auto Dealer ] 'Joint Venture '; fj Other! ' .'( .•',••!•< ",'-J.''i 'i1!' • ''. ••('• '"'•"• •' '11 ( ' .'• •-"•;• • * ' • ! ,"• i! >' i;.-! ,. ,,,,.'. ii '.'• .»•. ' ; • ' • • _ ., ' • rm OCCUPIED • ; BY NAMEO IMJWU ! Entire: :•..••'. i • : • • - 1 . ; . - ' . _ wswrrj INURES! _ f OWNER. TENANT, CENX 1 |_USSEE. OIWK SPtCIFT J Owner insurance alforded is only with respect to such of the following coverage Partis) as are Indicated by entry of an "X" below. D Part i - Comprehensive General . . , . Liability Insurance D Part 2-Manulacturers' and Contractors' , Liability Insurance D Part 3 -Owners' Landlords' and Tenants' Liability Insurance ' ' ' D Part 4— Completed Operations and ' • ' " ' Products Liability Insurance ' ' D Part 5 -Premises Medical ' Payments Insurance D Part (-Comprehensive ,,- ,'„' l;.,,i;- •'',.••• Personal Insurance, ' • 1 — i Part 1 - Owners' and Conlractors' • . . - , , • ' . | J Protective Liability Insurance D Parts-Contractual Liability1: •:<• i 1- '•• ••,»• • ' 'Insurance • ' ?U|1A- ''<•"•' ' : •• D Part 9-Comprehens'iveAutorri6bile'-'|''''!;'' ' Liability Insurance "^"V/i.r-^i-ii ' i — i Part 10-Garage Insurance^. |i.l/V;. •• :a. D Pirl 11 -Automobile Medical Payments Insurance H Part 12-Prolection Against Uninsured Motorists Insurance D Part 13 -Automobile Physical Damage ' ' i ' Insurance D "1 Part M -Basic Auto Liability Insurance H P art 15-Automobile Physical Damage Insurance (Dealers) OTHER (SPECIFY PART NO. i TITLE) Personal In jury/ Contingent •[ Employer' s Liability "Stop Gap" I Use of Other'Automobiles Coverage-Broad Form/Employers Non-Ownership Liab. ________________—^-—-——————————————————————————————————————————————————————————————————————————————S*——————————————«——.—————————-. . .. .1 . *——————«—————————.———————————————————————————————»———————————————————————————————————————————— n 3b. The insurance alforded is only with respect to such of the following coverjje(s), contained In'jhi' co»erate' Part(s) designated abore, as are indicated by specific premium rge or charges. The limit of the company's liability against each such coverage shall te as staled herein, Joo|ect to all the terms ot the policy hating reference thertlo. PPLICABLE TO PARTS through 5 Other "I than sutomobilej 19 \utomobile) Other COVERAGES ... Bodily Injury Liability ; Property Damage Liability' Premises Medical Payments Bodily Injury Liability Garaee " Property Damage Liability Liability 3RSEMINIS ATTACHED A[ 1IMC Or ISSUE END. A rs~,-*icy period is more than one year, premium is payable • : LIMITS Of LIABILITY . !-.. E^H PERSON X X X X X X X X X X 300.000 x x x x x EACM OCCURRENCE* 1 '• '', :! •„ ' '''. . ; • . • .1 ;,•;•!•.;! l.l.:i,i ••:i-'ir.,,;; .h-': • 5001000 '•^'••'• l(' ' ' SOiOOO1^'.1':' ;i'! A-.GREG/'ll: X X X X X X X X X X X X X X X X X X See Applicable Coverage Part ,:; :. : .,: - • . . ' . ;:-4*§^['V- - - EFFECTIVE DATE $ 1 si ANNIVERSARY $ 2nd ANNIVERSARY $ ' ' ; ' ' ' ? ; ' •' Total Adrance^-^. Premiijt / ^f^>. / . EACH ACCIDENT" AS RESPECTS "PREMISES MEDICAL PAYMENTS" ,' . /" ^ / // Antilles Insurance, Infx^L(±/j noiinlorcinnori hv S ^* — ^7 <S\. • t • ! • • • • . • • , ' • ' ' • • l'.\' ' ' • " " °""^ "P" ADVANCE PREMIUM $ $ $ $ $ $ 2020.00 761.00 1394.00 $ $ 4175.00 X'OGt}/-?— ntxlv* ' '.79020 . . • • • • . . • Th» following does not form a part of the policy and I* fufnlthtd for Information only. 1 I ' • Si'l.y • :. :' :•''' '.,-'.'' : ' ' DESCRIPTION OF TERMS USED AS PREMIUM .BASES: ; When used as a premium basis: '-.•, •' ' ; . { 1. "admissions" means the total number of persons, other than employees of the named insured, admitted to the event insured or to events conducted on the premises whether on 'paid admission tickets, com- plimentary tickets or passes; (Comprehensive General; Owners', Landlords' and Tenants') 2. "co»l" means the .tolal cost to the named ii,., red wilh respect to operation* performed for the named insured during 'the policy period by independent contractors of all, work lef or sub-let In connection with each specific project, including the cost of all labor, materials and equipment furnished, used or delivered for use In the execution of such work, whether furnished by,the bvvjner, contractor or subcontractor, in- cluding all fees, allowances, bonuses or commissions made, paid or due; >•<- (Comprehensive General; Manufacturers' and Contractors'; Owners']! Landlords' and Tenants'; Owners' and Contractors' Protective) ; • ' •!•''-';'• 'fi < 3. "receipts" means the gross amount of money charged by the named, Injured for such operations by the named insured or by others during the policy period as are rated on a receipts basis other than receipts from telecasting, broadcasting or motion pictures, and Includes faxes,' other- than taxes which the named insured collects as a separate item and remits directly to a governmental division;, (Comprehensive General; Manufacturers' and Contractors'; Owhers'j landlords' and Tenants'; Completed , Operations and Products) . , -. . . .;.,/; ;w •'./] . • 4. "remuneration" means the entire remuneration earned during me. policy period by proprietors and by all employees of the named insured, other than chauffeur* (except bperators of mobile equipment) and air- craft pilots and co-pilots, subject to any overtime earnings or limitation of remuneration rule applicable in accordance with the manuals in use by the company; .j..'>'<;J.lp;! I . . (Comprehensive General; Manufacturers' and Contractors'; Owners', Landlords' and Tenants' which in- cludes coverage for structural alterations, new construction and demolition operations) ' "' • 5. "sales" means the gross amount of money charged by the named Insured or by others trading undo* ;>is name for all goods and products sold or distributed during .the policy period and charged during (he policy period for installation, servicing or repair, and includes taxes, other than taxes which (he named insured and such others collect as a separate item and remit directly, to a. governmental division; (Comprehensive General; Completed Operations and Products) •\'.i"\i.:' ' ;V • ' . • . . ' 6. "remuneration" means (a) the entire remuneration earned during! the policy period by each Class A em- ployee and each Class C employee of the named insured, subject to an average weekly maximum of $100, and (b) the remuneration of each Class B person at a fixed amount of $2,000 per annum with respect to Dealer Risks (Hazard 1) or $5,200 per annum with respect to Klon-Dealer Risks (Hazard 2). ' , "Class A" means all clerical office employees . /••!".| . '. • ; "Class B" means all proprietors and officers active in the '.business, and inactive proprietors or officers (other than an inactive proprietor or officer w.ho I*., a! spouse of an active proprietor or officer) who customarily drive an automobile owned by the, named insured; and all salesmen, general -managers, service managers and chauffeurs ',"ji;i:'i; i. '/',,!'- • "" . "Class C" means all other employees; • Vv't '{';/!' i'' • '•'•' • ' ' ' ' ' (Garage Insurance) A. "cost of hire" means the amount incurred for (a) the hire of automo • / obilees, including the entire remunera- tion of each employee of Ihe named insured engaged In the operation, of such automobiles subject to an average! weekly maximum remuneration of $100, anaj-fbr:.(b) plck-Up, transportation or delivery service of property or passengers, other than such services 'performed by motor carriers which are subject to the security requirements of any motor carrier law; of^'ordlnance1. The rates for each $100 of "cost of hire" shall be 5% of the applicable hired automobile jdtes, "provided the owner of such hired automobile has purchased automobile Bodily Injur^- Liability arid Property Damage Liability insurance covering the interest of the named Insured or)-"a .direct primary basis as respects such automobile and submits evidence of such insurance to the, named. Insured; *• •* -'} *, ' *''! ' '. > 1 ' '' "Class 1 persons" means the following 'persons, provided their .usual duties In the business of the named insured include the use of non-owned automobilesi';{a| all, employees, Including officers, of the named insured compensated for the use of such automobiles by salary, commission, terms of employ- ment, or specific operating allowance of any sort; (b) all .direct cigenjs and representatives of the named Insured; .-? ' '' . ; ' ' . . . ' l''\,,I:'J-' -:''•- . V. ' ' : • '' •! S |.v'i ;,'. 'i " ' • • ' ' "Class 2 employees" means all employees, Including officers, .'of. the named Insured, not Included in Class! persons; -• ' § ..' .•«l'''t'J ••''••"':•' '<"•''. (Comprehensive Automobile Liability) ' ; '.< '''$•}• ..>,] •:-.'; • , . 1 "cost" means the total cost to any indemnitee witn respect to any contract which is insured of all work let or sub-let in connection with each specific project, Including the cost of all labor, materials and equipment furnished, used or delivered for use In Ihe execution of such work,' whether furnished by the owner, con- tractor or the subcontractor, Including all fees, allowances, bonuses or commissions made, paid or due. [Contractual Liability Insurance (Designated Contracts Only)] < '•" .'' •'• B. C. '.;'':*;:.-AiltM. .»!.!•• .,;..- PU !' :'"- vi'-'r- ' ;, •.;:'• :-^>$;-^K*.^ .;-. .a •• j-: GU« 3 . ' !' 1^ -iiiv: JrJ i:!^''-1.' ' '•• 'I ^ '" ':^i^?^£$^B f I'll'' lf ::Mi:^' .:V." .i : • :: | : IP ::0.W, •''". -N?°*;^^^S:|||||g||.:|; •;j; •;%| U.; !•..,;' This endorsernent, effective- ' 9 / 2 0 / 7 8 ' ' ' ' ' •', forrris'ja, porj 6'f policy No.'WLU22i9l 68 : -i| : !• '.-. }.'• '•'<-• •'' ' '•','«••• ' (12:01 A. M., Uondord time) . <ii'-&'- ijs''!-' .."'.',1 ::J:. ;, '. . i , ' • ! ' ' ; ij ', .j ! i i - / i V ^ -• ,.'.i' • ' '-, . ; • ' '." .''ji'/iv •]'''. •'.)'.'. ••';''l-ij.'.' I ' .' !''':.!i, ''. , ' '' '•• Motors line.; & Holiday .Rent-A-Car Inc. •{•;5ii';-',;;V i!:?. iiV/>; ;^.|" t ; : . ' i ' '• '' i , • ' ' • ft •-,' : ' < ; ; :' : : :' .'^••'t'S'^.)''''^;': i " • ' ' ' : ed to . Ramsay Royal Insurance .Compnay/ Limited CL67901C CL67914B CL67916A CL67904B MLB 220 MLB 222 F20947A AL6079 IL0001 :•' '•.' ! • ' • '' : .' • ' " ' ' -• " :- " '•'•'- '\'M\&'<'-Y-\'^\!\:'-, ••' ,1 ' ! ;;! EjjDORSEMENTS 'ATTACHED : AT' TIME; OgflSSlJE -Ab:1 -J \\ • ' '\' . . i'Sele'ct-Cover Policy-General^ Provisions'!,'^;Vila's;•-.•. ,,'.'• •" '<.[ , Part.: 10 ..Garage Insurance}''1/; ;:' • ' • • • , ; '..•H^IKi^,';'>:: H '.''•',.-'.". --\ .. ;•• ! Part: 12 Protection :Against Uninsured,!;Ho.torists '-.Insurance , ! Part; 15 Automobile .Physical;Damage.;Jlhsurarice:, (Dealers). ;'.•". ! Personal' Injury, 'Liability '.'•irisuranc6cEri4ii;if.»i-'|;'.fc,':'iv;!. : /," '.'•"•If ' 'I ; Employer1 s Non-.Ch^nersliip^Automobile'^Ll/ability,; Insurance^ End. i Contingent .Employer.1 s: Liability "Stopp3ap!k;| ;' ' '; .- i••!• ' ]Use"of Other Automobiles Coverage-Broadf FormV.N .,j > • !•';'' ; ; Punitive Damages Exclusion';:. j- ::~:'- :- '''•'l$$^$$f$.} ^,, ''"! ''.VT i;!-• ! t- -^^!t%-; ji ill S v> i - ?v"J -V:>^ ;"• >!'; ^|il^!;:^:ft:?. . '• ,•!(: ^^tllH^ii:;^^^ >''•:•{ r- , .:/.;3®^4i^P'"'•.'-• ':-!r^ :' i ^••,?^^m\.iffi\ •• •'' •' •r'V'U'S''' Y^'Vj' '''• '' ''-'I ' ' • ' • ' i" ;• Illillfi^.!': ;1^n j^! fel^llfffiil£!!.•: :,;i!,iLi '&MWm&tV--^ Cite \ PERSONAL INJURY LIABILITY? ';>i* :', '. j . . ,J| •»'"r-\f "'-tif it* fl Jn,-!1 i7 • i ' • T- I" :| '(.^jv:,;,';:.^^pjijvf^If1-^;-i;-! • ;:f; :r. i.lTYjiHsUR^CE|E^!o^SE^iENT ; ' !:;j I Form MLB-220 (Ed. 1-73) In consideration part, and subject to all the terms of .thi •• ' of the payment of the premium, in reliance upon the statements in the Decimations Of. the policy Of which this endorsement is made a I the terms of .this endorsement, the Company agrees with the named insured as tbljpws: '•; ,:,::;sVv!:' • : r;. f ; •;{ •'•: ';' , !• . "•, ,\ }•• ,; .. i.:. ' , .; i: SCHEDULE' •. •••'••viiSi'Vf v*i t"i'i-'> ;:i'!''!'t' ! <; ••'• i ! • > i ' ' '',;,'.' !|. " ':.:*'•' • ' " . . ' .. .;.'' .' !'."',:.', lip^M1 nVi F'li'd' ".'V!' '"' t -i ' forded is only with respect to personal injury arising' out of an oflens^included witmrtsuch"(pl ihejol[owing groups of oflenses as are iremium charge or, charges:. ,i::'J !-./'•;::;,.;; ; •\:\:f'-;:i- ••i--\^\^^^^^f^M^{^-^":-:'f'^'^\ \ . '•"••' • ii!'('if ?!'j • !;'•' Groups of Oifenjej • " •''., :']'»'",' ' ':"£tr 1i»lfi*'rwlflTJili3sSs'K:':'i' ^^'ivl*'' nal Premium.' '. !' .;'. :i'l'' r"-.::..' _ .- .i'-'.i '. :•'.''.I"'"''" • '•• '".''".-'•"• Th'irVH'VH.ftfijri ''.' £a r\n ! 1i'" • ' insurance afforded is only with respect to personal injury arising 1 out of an oflens^included witmrtsuch"(pl ihejol[owing groups of by specific premium charge or,charges:'•.,l'j|j J j../ '•' •'' j,. ';;• ; • • :\jr ?;.;.'• ; • . •h»'ji!i^i^'\-^.a]ii«lft}t<|jf • '.^i ^:-^,j;|(.^' v ; j ' ' '!!i^ii'I ' !;'•' Groups of Olfenses • :'"j :.!•",' ' '.'"flT i'll'^i'^t!7iii)>'i§!'?'^:15l'' ''.''""'''''nal Preir Arrest, Detention or Imprisonment, or Malicious Prosecution/. i. .Y<"i. i....:. .1 i .'iV.:'-.]-/';;;;*!.ij-A*! t>8-« QQ ' ——1 lor Violation of RJght ol Privacy !J7V; T,,. i,::: ?.:.. V J;:: VS V ^f-*! \\\\ ^ Tlihl I : ^ ,'or otherJnvasion ol RigU ol Private Occupancy JlV.VVM1 .'1^*^? ffej^Tlid V < " " !TVKi.lr;i';^^;- •=-j;.-i,-:-. r:;.:I^ktdiiKf^d<iSaMiilliTi-^fifl^n--' • r - ... . . , . t . . . r : ' : •' " _' _ i _ _ _ ..'.*•..', S.KLW .-i t.vli*L.' f.W tH^-il'lj I _ •,,( i.| • ,. j-H, -. • ( te'*S?:'?>1>^ :-i ; The indicated A. False Arrest, Detention or Imprisonment, or B. Libel, Slander, Defamation or.'"'''' "' "' C. Wrongful Entry or Eviction^ Minimum Premium >'•• v?'''^m\w$wm •• -''V'viV - !,. • •;• . v»....».»..-. .....tr..,,^.......... ......,......,„.,. ^ , - . - f, ,..,, ,4.:,'.\Crwp\Cjj^!»r^ The Company will pay on behalf of trie insured all sums which.the insured .^^ ..^V;^^}*^^^-/^;:;/'''1^ ' : '!,?. ' '\ shall become legally obligated to pay as damage's because of Injury (herein •\./\t'--lV\<:-ii.->;{l,iiii:^ ' ! :- "i'llngoSt ofS ri^ofi!^ " """'"'""I '".,;; ^ ^wA^fa$^^&tiW'iMA*A of the named i of the named insured's busi- Group B ; except j j; inj tmni 01.syiitsji ueems^nycuiciu, uui inv \,muy»nj siidii iiui uc ouii- r_...„.....,.. _.._.-.._ ...... .---. - - ..._..d to ad- ••.'.;? gated to piy iri} cllin^dr lii'dgiriinl ortodefend ahv suK after the applicable vertising," broadcasting or telecasting activities conducted by '''•' limit ol the Cimpihy's liability has been exhausted by payment ol judgment or on behalf of the named insured;-''ii;'f,' : ' ..".' '": ,; • or seltlemenU;? [aja iS^ifci •|Af^6l''it?»-i''.i"l';li'!i' ..'i! '• '•••'>• ' 'I'.1:'-: •'';"•':>"•• .","•"" ' • ' • ' ' • '''•'iVjiKif^nilw i'nAM' •M'.li'ViJ iV.;.;*•"i.l 4,'..i- • , ' This Endorsement must be attached to Change Endorsement MLB-20 whe ihsui difteMhk Policy Is written.,' "'!l • • Form MLB-220 (Ed. '/• Eiclusiiins ' •' '• :-' • ' i ' " ;• '-il, 'i '• • insurance does not apply: "; ' '.; ; ' ' , ' ! . ; V v_ o liability assumed l:y the insured under any contract or agreement; (b) to personal injury arising oul-of the wilful violation oi a penal statute or ordinance committed by or wilh the knowledge or consent o( any insured; • •• • . ' '•'.•• (c) to personal injury sustained by any person as a result ol an offcnsc directly or indirectly related to the t: p'.oymenl of such person by t h e named insured, . . - . . - ' , . ; • • ' • * • ' . (d) to personal injury arising out ol any publication or utlera» r|1. described in Group B, il the first injurious publications or utterance c! the same or similar material by or on behalf of the named insured was made prior to Uie effective date o! !'.'<; insurance; ' •• • ••• i,'; (c) to personal injury arising out ol a publication or utterance described in Group D concerning any person, organization or business enter- prise, or his or its products or services, made by or at the direction of any insure] wilh knowledge of the falsity thereol. •' ••••-. II. PERSONS INSURED ." '. '"• ' ••-. ' • ; ' Each ol the lollowiiiQ is an insured under this insurance to the extent set forth below: . , ; , ' • ' , • ' • . • • ' .' ' ••;"'* l (a) if the named insured is designated in Ihe Declarations as an individual, the person so designated but only with respect to the conduct of a business of which he is the sole proprietor, and Ihe spouse of the named insured wilh rcspcd to Ihe conduct of such a hi'.iness; , ;',- (b) if the named in'juicd is designated in the Declarations as a partner- ship or joinl venture, the partnership or joint venture so'designatcd and any partner or member thereof but only wilh respect to his liability as such; • • • . > (c) 'f the named insured is designated in Ihe Declarations as other than an individual, partnership or joint venture, the -organization so desig- nated and any executive officer, director or stockholder thereof while acting within the scope of his duties as such. ' ; . • • !his insurance docs not apply to injury arising out ol Ihe conduct of any tnership or joint venture ol which the insured is a parlnrr or member \ _ ^id which is not desip,n<V,cd in this policy as a named insured. ill. 'LIMITS OF LIABILITY-INSURED'* PARTICIPATION Regardless ol Ihe number of (1) insureds'under this endorsement, (2) persons or organizations who sustain personal injury,1 or (3) claims made or suits brought on account' ot personal injury, the total liability ol the Company lor all d.imagcs because ol all personal injury lo which this in- surance applies, ioslaincd by any one person or organization, shall not exceed the limit ol personal injury liability staled in the schedule as "each person aggregate". ( ;./ r : ' , Subject to the above provision respecting "each person aggregate," the total limit ol the Company's liability under this insurance lor all damages shall not exceed the limit ol personal injury liability slated in Ihe schedule as "general aggregate". • .• . . . . ; , •( II a participation percentage is stated in Ihe schedule lor the insured, the Company shall not be liable lor a greater proportion of any loss than the dillerencc between such percentage and one hundred percent, and the balance of the luss shall be boine by the insured; provided, the Company may pay the insured's poition of a loss to cllect settlement of the loss, and,upon notification ol the action taken, Ihe named insured shall promptly reimburse the Company thcielor. ' •; i . j IV. 1 AMENDED DEFINITION ' : : : I When used in reference lo this insurance:' ' • "damages" means only those damages which arc payable because of per- sonal injury arising out of an olfcnse lo which this insurance applies. : '• • . '' i • V. OTHER PROVISIONS APPLICABLE TO THIS ENDORSEMENT A. The following, [novisions applicable lo Sections I and II of the policy are applicable lo this endorsement: Inspection and Audit; Canroibtion; and Subrof.ition. ' ' ; ' 1!. The following term:, and piovisions applicable only lo Section II are applicable to this endorsement: Supplementary Paymenls; Modification of lerms; Insured's Dulies in the Event ol Occurrence. Claim or Suil; Action Agiinsl the Company; Other Insurance; Nuclear Exclusion; and Definitions -Section II. Form MLB-220 (Ed. 1-73) P a j e 2 o f 2 GARAGE INSURANCE ROYAL-GLOBE INSURANCE COMPANIES I HA* This coverage PART, the DECLARATIONS and oilier coverage PARKS), *r endorsements referred to herein, and the GENERAL PROVISIONS complete the contract of insurance. ' . : : • !e NAMED INSURED Ramsay iclpally pvl FRANCHISED allng as: [_£] DEALER Motors, Inc. and I — 1 NON-FRANCHISED 1 _ 1 DEALER Holiday D REPAIR SHOP Rent - D A - Carj SERVICE . , i STATION .,:' .(• Inc. D ' STORAGE GARAGE PUBLIC PARKING POLICY SYMBOL t NUMBER WLU 22 91 68 AND I — | EQUIPMENT AND PLACE 1 _ 1 IMPLEMENT DEALER tern 1. The insurance afforded is only with respect to such of the following coverages and Hazards thereunder as are indicated by specific premium charge or barges. The limit of the company's liability against each such coverage shall be as stated herein, subject to all the terms of this policy having reference thereto. COVERAGES arage ability •nses for edical :rvices arage- jcpers' Legal lability G. Bodily Injury Liability H. Property Damage Liability HAZARDS Garaee 1. All automobiles including' 2. Automobiles not Owned or Hired Karate 1. All automobiles K'inT 2. Automobiles not Owned or Hired 1. Automobile Medical Payments ' Premium Rate. 1. & J. Automobile 6 Premises Medical Payments Cov. G Premium y ^ q K-l Fire and Explosion K-2 Theft ol the entire automobile K-3 Riot and Vandalism, subject to $25 vandalism deductible K-4 Collision or Upset, subject to $ 100 • deductible. Limit of liability includes $5000 limit lor loss to properly other than automobiles. V. '•':'. •' . LIMITS OF LIABILITY • $ . . ; 300 -000 each person 't c;oO , 000 each occurrence '.' $ '• . ; en • 000 each occurrence '••subject to tlOO-Vriductlble as set forth ' In Limits ol Liability provision ' •$ '•',' : •: each person • : $ i nnn each person Loc. , Max, No. ol Customer]' Speclrlc Limit No. , , Automobiles Stored Per Location 1 . ! i.t 35 $ 30rOOO , 7 V! • •' $ 3. '"•' "•• '•, J ADVANCE PREMIUMS $ 2.020.00 J $ 761.00 * J $ $ $ * $ 160.00 71.00 included 20.00 124.00 Total Advance Premium $ 3,156 .00 (a) All automobiles owned by the named insured are used principally in garage operations of the named Insured, except automobiles (1) assigned to the named insured, a partner therein or a member thereof, or an executive officer (hereof, or, If a resident of-the same household, the spouse of any of them or (2) furnished to any person or organization named in paragraph (b) below. . .'.'• .. (b) Automobiles owned by the named insured are furnished to the following persons or organizations for their regular use lor other business purposes or for non- business purposes (do not list the named insured, any partner, member, executive officer or, if a resident of the same household, the spouse of any of them, nless more than one automobile is furnished concurrently to such person and then show only the number of automobiles so furnished in excess of one): x— -- NAME, AND POSITION OR RELATIONSHIP | NO. OF AUTOS | RATING CLASS 3. The following are the addresses of all premises where the named insured conducts garage operations. N SHOW MAIN SALES LOCATION, IF ANY, AS LOCATION NO. 1. ENTER "SAME" IF SAME LOCATION AS ADDRESS IN ITEM 1 OF THE DECLARATIONS. Minimum Premiums LOC. 1 Z 3 cov. G-B.I. COV. H-P.D. cov. i on i » J NAME. AND POSITION OR RELATIONSHIP NO. OF AUTOS | RATING CLASS •'•': ' •/ , GARAGE LIABILITY ' PREMIUM BASES (1) Hazard )< Class A) Class B Remuneration Class C J (2) Hazard 2: Total Remun. (3) No. ol Furnished Autos (D A 5,200 BIO, 000 C40,000 RATES ; HI } Per $100 ol Remuneration * ' -• > \ ' : (3) Per Automobile !• : COVERAGE G ' - .';;* '' •"•.929 '3>72 '•.'- • r* • , . |! -'. ''i.t.; '; ,' COVERAGE H i •'. . .35 ,4.36 1.4 PREMIUM REDUCTION FACTOR OTHER MODIFIERS (Identity) ,75 .75 .75 ADVANCE PREMIUM COVERAGE G BODILY IN WRY LIABILITY 36.00 869.00 1115.00 2020.00 COVERAGE H PROPERTY DAMAGE LIABILITY 14.00 327.00 420.00 761.00 Countersigned by ' 1 ;. Authorized Representative V. LIMITS OF UABILI1Y iegardless o( the number of (1) insured; under this policy, (2i persons organizations who sustain bodily injury, property damage or loss, (3) claims de or suits brought on account of bodily injury, property damage or loss or a,;' Nles to which this policy applies, the company's liability is limited lo . ;' • • -ov..^ G—The limit of bodily injury liability stated in the schedule as plicabTi to "each person" is the limit of the company's liability for all nages, including damages tor care and loss of services, because of bodily ury sustained by one person as the result of any OIK occurrence-, but subject the above provision respecting "each person", i!<e total liability of the mpany for all damages, including damages for care and loss of services, cause of bodily injury sustained by two or more persons as the result of any e occurrence shall not exceed the limit of bodily injury liability stated in the hedule as applicable to "each occurrence". '•.' .':'- Coverage H—Subject to the following paragraph, the total liability'! of the unpany for all damages because of all property damage sustained by one more persons or organizations as the result of any one occurrence shall it exceed the limit ol property damage liability stated In the schedule as jplicable to "each occurrence". : . : ;:.•. i-f' With respect to property damage to any automobile arising out'of work impleted by or for the named insured upon such automobile or part thereof, 100 shall be deducted from the total amount of all sums which the insured lall become legally obligated to pay as damages on account of properly amage to such automobile as a result of any one occurrence, and'the limit f the company's liability shall be the difference between such deductible mount and the limit of Properly Damage Liability stated in; the schedule. ill I the tcrr.is of this policy apply irrespective of the application ol the letii'.Tible amount and the company may pay any part or all ol.the deductible imoinil to eflect settlement of any claim or suit and, upon notification of the iction taken, the insured shall promptly reimburse the company for such part jf the deductible amount as has been paid by the company.": ;y1 Repairs by the named insured shall be adjusted at actual cost lo him of labor and materials. Coverages G and H—For the purpose of determining the limit ol the com- pany's liability, all bodily injury and property damage arising oul of continuous or repeated exposure lo substantially the same general conditions shall be considered as arising out of one occurrence. Coverages I and 1—The limit of liability for medical payments slated in the schedule as applicable to "each person" is-the limit of the company's liability for all medical expense incurred by or on behalf of each person who sustains bodily Injury as the result of any one accident. Coverages K-1, K-2, K-3 and K 4—Subject lo the application of any de- ductible, the limit of the company's liability lor loss at each location shall be the limit of liability slated in the schedule as applicable thereto; if, however, at the time of loss there were at the location where the loss occurred auto- mobiles of others in the custody of the insured In excess of the maximum number of automobiles indicated in the schedule for such location, (he com- pany shall not be liable for a greater proportion of the amount lor which it otherwise would be liable than the maximum number ol such automobiles staled for such location bears lo the number of automobiles al such location at (he time (he loss occurred. Subject to the application of the deductible stated in the schedule, (he limit of liability .applicable to Coverage K-4 for loss to properly ul a kind cus- tomarily left in charge of a garage, other than automobiles, is J5.000, which sum is included in the applicable limit of liability for loss at the location. All of the terms of this policy apply irrespective of the application of any deductible amount and the company may pay any part or all ol the deductible amount to ellect settlement of any claim or suit and, upon notification ol the action taken, the insured shall promptly reimburse the company for such par) of the deductible amount as has been paid by the company. Repairs by (he named Insured shall be adjusted al actual cost to him of labor and materials. VI. POLICY PERIOD; TERRITORY This insuidiice applies only to bodily injury, property damage or loss which occurs within the territory described in paragraph (1) or (2) of the definition of policy territory. VII. ADDITIONAL DEFINITIONS x used in reference 10 this insurance (including endorsements forming a patrbf the policy): , : ! "automobile" means a land motor vehicle or trailer, other land equipment capable of moving under its own power, equipment for.use (herewith and animal drawn equipment. This definition replaces the definition ol auto- mobile set forth in the Definitions Section; "automobile hazard" means that one of .the following hazards tor which insurance is afforded as indicated in the schedule: Automobile Hazard 1. . . (1) The ownership, maintenance or use (including loading and unloading) of any automobile for the purpose of garage operations, and (2) the occasional use for other business purposes and the use (or non- business purposes of any automobile owned by or in charge of the named insured and used principally in garage operations, and (3) the ownership, maintenance or use of any automobile owned by the named insured while furnished for the use of any person. : '•',' Automobile Hazard 2. The use in connection with garage operations of any automobile which is neither owned nor hired by the named Insured, a partner therein or a member thereof, or a member of the same household as any such person. "garage" means an automobile sales agency, repair shop, service station, storage garage or public parking place; "garage operations" means the ownership, maintenance or use of the premises lor the purposes of a garage and all operations necessary or in- cidental thereto-, "loss" means direct and accidental loss of or damage to property which occurs during the policy pcrjd; "medical expense" means expenses for necessary medical, surgical, x-ray and dental services, including prosthetic devices, and necessary ambulance, hospital, professional nursing and funeral services; "occupying" means in or upon or entering into or alighting from; "premises" means premises where the named insured conducts garage operations, and includes the ways immediately adjoining but does not include any portion of such premises upon which business operalions are conducted by any other person or organization; "trailer" includes semi-trailer. VIII.-'ADDITION^ CONDITIONS A. Limitation of Coverage Under Any Olher Liability Insurance Part The insurance alloided under any other liability insurance made a .part of this policy does not apply to garage operations, including, the automobile hazard, for which insurance is afforded herein. . >.. : • '•,<. B. Insured's Duties in the Event of Loss ' . :. ••':.', The insured's duties in event of loss under the Garage-keepers' Legal Liability Coverages shall be as provided in the Condition with respect lo an occurrence, claim or suit. In the event of theft or larceny, the insured shall also promptly notify the police. C. Medical Reports; Proof and Payment ol Claim—Coverages I and J As soon as practicable the injured person or someone on his behalf shall give to Hie company written proof of claim, under oath if required, and D. shall, alter each request from the company, execute authorization lo enable the company to obtain medical reports and copies of records. The injured person shall submit to physical examination by physicians selected by the company when and as often as the company may reasonably require. The company may pay the injured person or any person or organization rcndeiing the services and such payment shall reduce the amount payable hereundcr for such injury. Payment hereunder shall not constitute an admission of liability of any person or, except hereunder, of the company. Non-Applicability ol Subrogation Condition The Subrogation Condition docs not apply to any Medical Payments Cover- age afforded by this insurance. CL G7914S COVERAGE G-BODILY INJURY LIABILITY . ' ; ' . V, COVERAGE H-PROPERTY DAMAGE LIABILITY - . ; The company will pay on behalf of the Insured all sums which the' insured .all ^rome legally obligated to pay as damages because of . . Coverage G. bodily injury or • . . I „_ Coverage H. properly damage ' ' which this insurance applies, caused by an occurrence and arising out ol irage operations, including only the automobile hazard for which insurance afforded as indicated in schedule, and the company shall have the right id duty to defend any suit against the insured seeking damages on account ' such bodily injury or property damage, even if any of .the allegations of le suit are groundless, false or fraudulent, and may make such investigation id settlement of any claim or suit as it deems expedient, but the company lall not be obligated to pay any claim or judgment or to defend any suit ler the applicable limit of the company's liability has been exhausted by lymenl ol judgments or settlements. • ' . (elusions • • . • ' : '''.'• ' This insurance docs not apply, under the Garage Liability Coverages: ) to liability assumed by the. insured under any contract or agreement ex- cept an Incidental contract'; but this exclusion does not apply to a war- ranty of fitness or quality of the named insured's products or a warranty that work performed by or on behalf of the named insured will be done in a workmanlike manner; . . •'• >) to bodily injury or property damage arising out of the ownership, main- tenance, operation, use, loading or unloading of any escalator at premises owned, rented or controlled by the named insured; but this'exclusion does not apply to an escalator at premises which the named Insured owns, rents or controls only in part unless the named insured operates, main- tains or controls the escalator; ' : j • .'.-•' :) to any obligation for which the insured or any carrier as his insurer may be held liable under any workmen's compensation, unemployment com- pensation or diasability benefits law, or under any similar law;!' d) to bodily injury to any employee of the Insured arising out .of and in the course of his employment by the insured or to any obligation of the insured to indemnify another because of damages arising but-of such injury; but this exclusion does not apply to: . . : < • 11) any such injury arising out of and in the course of domestic employ- ment by the insured unless benefits therefor are in whole or In part either payable or required to be provided under any workmen's compensation law, or • . .' • ' • ' 12) liability assumed by the insured under an incidental contract; e) idily injury or property damage arising out ol the ownership, main- ice, operation, use, loading or unloading of any •' V S-r- haulaway, tank truck or tank trailer (or any vehicle used therewith) owned, hired or held for sale by the named insured and.pot being delivered, demonstrated or tested,' / • . ' ' . • ' '.,•[ automobile .••' . ' . ' • ' ' ' . - ; 1i) while being used in any prearranged or organized racing, speed or in any stunting activity or in practice or preparation, for any such contest or activity, or ' • . . ' . • • : (ii) while rented to others by the named insured unless to a salesman for use principally in the business of the named insured, or (iii) while being used by the insured as a public or. livery .conveyance or lor carrying property for a charge; '.'.'<'..• •'••'' watercraft owned or operated by or rented or loaned to any Insured, or any other walercraft operated by any person in the course of his employment by any insured; but this exclusion (eX3) does not apply to walercraft while ashore on premises owned by,, rented to or controlled by the named insured; - •'• • :;'.'••;•;.( aircralt; .' •: '".'•'. '., i (I) to bodily injury or property damage arising out of and occurring in the course of structural alterations, new construction or demolition operations performed for the named insured by independent contractors,' or acts or omissions of the named insured in connection with his general supervision (2) (31 (41 of any such operations; but this exclusion does not apply to operations ol which the company has written notice within 30 days alter the com • mencement thereof; (g) to properly damage to (1) property owned by, rented to or held for sale by the insured, or (2) property in the care, custody or control of or being transported by the insured or property as to which the insured is for any purpose exercising physical control; but part (21 of this exclusion does not apply to property damage arising out of the ownership, maintenance or use at the premises of any auto- mobile servicing hoist designed to raise the entire automobile or to such Insurance as Is afforded for the use of elevators at (he premises; (h) to property damage to premises alienated by the named insured arising out of such premises or any part thereof; (i) lo loss of use of tangible properly which has not been physically Injured or destroyed resulting from (1) a delav in or lack of performance by or on behalf of the named insured of any contract or agreement, or (21 Ihe (allure of the named Insured's products or work perlormed by or on behall of the named Insured to meet Ihe level of performance, quality, fitness or durability warranted or represented by Ihe named insured; but this*exclusion does not apply to loss of use of other tangible properly resulting from Ihe sudden and accidental physical injury to or destruction of the named insured's products or work performed by or on behalf ol Ihe named Insured after such products or work have been put to use by any person or organization other lhan an Insured; (j) to property damage to any of the named" Insured's products il such properly damage results from a condition existing in such product or any par) there- of at the time possession is relinquished lo the purchaser Ihereol; (k) to property damage to work perlormed by or on behalf of the named insured arising out of Ihe work or any portion (hereof, or out of materials, parts or eouipment furnished in connection therewith; (I) to damages claimed lor the withdrawal, inspection, repair, replacement, or loss of use of the named Insured's products or work completed by or lor Ihe named insured or of any property of which such products or work lorm a part, If such products, work or properly are withdrawn from Ihe market or from use because of any known or suspected defect or deficiency therein; (m) to bodily injury or property damage due to war, whether or not declared, civil war, insurrection, rebellion or revolution or to any act or condition incident to any of the foregoing, with respect to (1) liability assumed by Ihe Insured under an Incidental contract, or (2) expenses for first aid under the Supplementary Payments provision; (n) to bodily Injury or property damage for which the Insured or his indem- nitee may be held liable . ; (1) as a person or organization engaged in the business ol manulacturing, distributing, selling or serving alcoholic beverages, or (2) if not engaged, as an owner or lessor of premises used for such purposes, • . if such liability Is imposed • (i) by, or because of the violation of, any statute, ordinance or regulation pertaining to the sale, gill, distribution or use of any alcoholic bev- erage, or (ii) by reason of the selling, serving or giving of any alcoholic beverage to a minor or lo a person under (he influence of alcohol or which causes or contributes to Ihe intoxication of any person; but part of (ii) of this exclusion does not apply with respect lo liability of the Insured or his indemnitee as an owner or lessor described in (2) above;, (o) lo bodily Injury or property damage arising out ol the discharge, dispersal, release or escape of smoke, vapors, soot, fumes, acids, alkalis, toxic chemicals, liquids or gases, waste materials or other irritants, contam- inants or pollutants into or upon land, the atmosphere or any watercourse or body of water; but this exclusion does not apply if such discharge, dispersal, release or escape is sudden and accidental. II. EXPENSES FOR MEDICAL SERVICES COVERAGE I—AUTOMOBILE MEDICAL PAYMENTS i'• \- > ' - COVERAGE J—PREMISES MEDICAL PAYMENTS .'. ,. :.: :" ; The company will pay all reasonable medical expense Incurred within one year from the date of accident: •': :: > '/. '•'..;•..; Coverage I. to or for each person who sustains bodily injury caused by ac- cident, while occupying any automobile which is being used by any person who is an Insured under the bodily injury liability coverage with respect to such use; > ' . > .! Coverage J. to or for each person who sustains bodily injury, caused by acci- dent, and arising out ol the ownership, maintenance or use of the premises for the purposes of a garage, and all operations neces- sary or incidental thereto. • ; o n s . ' • ' ' . " : -<s insurance does not apply: '; ' . '. under the Automobile Medical Payr.-.ents Coverage, to bodily injury sustained by any employee of an insured under the bodily injury liability insurance arising out of and in the con if his employ- ment by such insured; under the Premises Medical Payments Coverage, . •' t o bodily injury sustained b y ' ' . . ' • ' ' (a) (b) (1) any person while occupying or through being struck by an automobile away from the premises; (2) any person practicing, instructing or participating in any physical training, sport, athletic activity or contest; (3) the named Insured, or any partner therein or member thereof, or any employee of the named insured arising out of and in the course of his employment by the named Insured; (4) any person while engaged in maintenance, alteration, demolition or new construction operations for the named insured or lor any lessor of the premises;: (c) under the Premises Medical Payments Coverage, lo bodily injury arising out of (1) the ownership, maintenance, operation, use, loading or unloading of any escalator at premises owned, rented or controlled by the named Insured; but this exclusion (c)(l) does not apply to an escalator at premises which the named insured owns, rents or controls only in part unless Ihe named insured operates, maintains or controls the escalator: (2) structural alterations, new construction or demolition operations for the named Insured by independent contractors or their subcontractors, or omissions or supervisory acts of the i ' ^i) in connection therewith! CL 679HB Over (d) under Ihe Premises Medical Payments Coverage, to bodily injury resulting Irom the selling, serving or giving of any alcoholic beverage (0 in violation of atiy statute,'ordinance or regulation, (ii) to a minor, (iii) to a person under the influence of alcohol or (iv) which causes or contributes to the •xication of any person, if the named insured is a person or organization ged in the business of manufacturing, distributing, selling or serving v^ ,-oholic beverages or, if not so engaged, is an owner or lessor of premises used for such purposes but only part (i) of this exclusion applies when the named insured is such an owner or lessor; (e) under the Premises Medical Payments Coverage, to any medical expense for services by the named insured, any employee thereof, or any person or organization under contract to the named insured to pioviue iuui services; i ' • (I) under the Automobile and Premises Medical P;' merits Coverages, to bodily, injury sustained by an employee of any f.i'.ije, if the accident arises out. of.the operation thereof and if benefits therefor are in whole or in part either payable or required to be provided under any workmen's compensate- \w; • fg) under the /^omobile and Premises Medical Payments Coverages, to bodily injury due to war, whether or not declared, civil war, insurrection, rebellion or revolution, or to any act or condition incident to any ol the foregoing. : ) HI. GARAGEKEEPERS' LEGAL LIABILITY COVERAGE K-1—FIRE AND EXPLOSION COVERAGE K-2—THEFT ol the entire automobile COVERAGE K-3—RIOT. CIVIL COMMOTION, MALICIOUS MISCHIEF AND VANDALISM COVERAGE K-4—COLLISION OR UPSET The company will pay on behalf of the Insured all sums which the insured shall become legally obligated to pay as damages because of: Coverage K-1. loss to an automobile caused by fire or explosion other than explosion of tires; Coverage K-2. loss to an automobile caused by theft of the entire automobile; Coverage K-3. loss to an automobile caused by riot, civil commotion, malicious mischief or vandalism; provided, with, respect .to each auto- mobile $25 shall be deducted Irom each loss caused by mali- cious mischief or vandalism; Coverage K-4. loss to an automobile or other property of a kind customarily lelt in charge ol a garage caused by collision of Ihe auto- mobile or such property with another object or by upset thereof, but the deductible amount stated in the schedule as applicable hereto shall be deducted from Ihe total amount of all sums which the insured shall become legally .obligated to pay as damages because of each loss, and the limit of the company's liability shall be the difference between such deductible amount and the limit of liability staled in the schedule; occurring while such automobile or other property is in the custody of the insured lor safekeeping, storage, service or repair (1) at a location stated in this policy or while temporarily removed therefrom in the ordinary course of the insured'; business, or away from the premises if the insured is attending such automobile or property; ' and the company shall have the right and duty to defend any suit against the insured seeking damages on account ol such loss, even if any of the allega- tions of the suit are groundless, false or fraudulent, and may make such in- vestigation and settlement of any claim or suit as it deems expedient, but the company shall not be obligated to pay any claim or judgment or to defend any suit alter the applicable limit of the company's liability has been ex- hausted by payment of judgments or settlements. The Supplementary Payments provisions of the policy are applicable to the insurance afforded lor Garagekeepers' Legal Liability, except the provisions with respect to the cost of bail bonds and expenses lor1 first aid. Exclusions ' This Insurance does not apply, under the Garagekeepers' Legal Liability Coverages: . (a) lo liability of the insured under any agreement to be responsible lor tost; (b) to an automobile or other property (1): owned by or rented to • (i) the named insured or a partner therein or a member thereof, or ; ' t h e spouse ol any one of them if a resident ol the same house- ' ;: hold. tii) an employee of the named Insured or his spouse if a resident '..-. of Ihe same household, unless the automobile or other property • is in the custody of the named insured under an agreement lor •which a specific pecuniary charge has been made, or (2) in the custody of Ihe named insured lor demonstration or sale; (c) to loss .by thelt due to any fraudulent, dishonest or criminal act by the named Insured, a partner therein, a member thereof or employee, trustee or authorized representative thereof, whether working or otherwise and Whether acting alone or in collusion with others; (d) to loss arising out ol the use of any elevator, or any automobile servicing hoist designed to raise an entire automobile; (el to detective parts, accessories or materials furnished or to faulty work performed on an automobile, out of which loss arises; (f) to an automobile or other properly while the automobile is being used in any prearranged or organized racing, speed or demolition contest or in any stunting activity or in practice or preparation lor any such contest or activity; : • (g) to loss due to war, whether or not declared, civil war, insurrection, rebel- lion or revolution, or lo any act or condition incident to any of the fore- going; (h) to loss,'due lo radioactive contamination; (i) with respect to Coverages K-1 and K-3, to damages lor loss of use of an automobile. IV. PERSONS INSURED Each of the following is an insured under this insurance to the extent set forth below: A. Under the Garage Bodily Injury and Property Damage Liability Coverages: (1) the named insured; (2) with respect to garage operations other than the automobile hazard; (a) any employee, director or stockholder ol the named insured while acting within the scope of his duties as such, (b) if the named insured is designated in the declarations as an in- dividual, the person so designated but only with respect to the conduct of a business of which he is the sole proprietor, and the spouse of the named insured with respect to the conduct of such a business; (c) if the named insured is designated in the declarations as a partner- ship or joint venture, any partner or member thereof but only with respect to his liability as such, (d) any person or organization having a financial interest in the garage operations of the named insured; (3) with respect to the automobile hazard: (a) any person while using, with the permission of the named Insured, any automobile to which the insurance applies under the automobile hazard, provided his actual operation or (if he is not operating) his other actual use thereof is within the scope of such permission, but with respect lo bodily injury or property damage arising out of the loading or unloading of an automobile, such person shall be an insured only if if he is: (i) a borrower of the automobile, or (ii) a partner, member or employee ol the named insured or ol such borrower; (b) any other person or organization but only with respect to his or its liability because of acts or omissions of Ihe named insured or an insured under (a) above. None of the following is an insured: (i) any person while engaged in Ihe business of his employer with respect to bodily injury to any fellow employee of such person injured in the course 'of his employment; (ii) any.person or organization, other than the named Insured or its directors, .stockholders, partners, members or employees while acting within (he scope of their duties as such, with respect to operations perlormed by independent contractors for (he named insured; (iii) any petson or organization, other than the named insured, with respect to any automobile (a):; owned by such person or organization or by a member (other than ':'• the named insured) of the same household, or (b) possession of which has been transferred to another by the named /•Insured pursuant to an agreement of sale; (iv) any partner,< member or employe of the named insured or the spouse of such person, with respect to property damage to property owned by, . rented lo or held for sale by the named Insured, or property in the care, custody or control of or transported by the named insured. This insurance does not apply to bodily Injury or properly damage arising out of the conduct of any partnership or joint venture ol which the insured Is a-partner or member and which is not designated in this policy as a named Insured. B. Under the Garagekeepers' Legal Liability Coverages: (a)',the named insured; (b) If the named insured Is designated in the declarations as an individual, i the person so designated but only with respect to the conduct of a ' business of which he is the sole proprietor, and the spouse of the . , ; • named Insured with respect to Ihe conduct of such a business; (c) any employee, director or stockholder of the named insured while act ' • ing within the scope of his duties as such; and (d) if thrj named Insured is designated in the declarations as a partnership : > or joint venture, any partner or member thereof but only with respect : • to his liability as such. Continued 'Part 15- AUTOMOBILE PHYSICAL DAMAGE INSURANCE (Dealers) ROYAL-GLOBE INSURANCE COMPANIES nut*. This coverage PART, the DECLARATIONS and other coverage PARTIS), or endorsements referred lo herein, and Ihe GENERAL PROVISIONS complete Ihe contract ol insurance. _____ ' '..'________________________________ ule NAMED INSURED Ramsay -Motors^, Tnr. and Holiday Jtolt. - A- Car, Inc. POLICY SYMBOL WLU 22 I NUMBER 91 68 1. The insurance afforded is only with respect to such of the following Coverages as are Indicated by specific premium charge or charges and. under each such Cover- applies only to such types of covered automobiles and lo interests therein as are indicated, by entry herein, of one or more of the designating numerals for that pur- appearing in Item 1. The limit of the company's liability against each such Coverage shall be as stated herein, subject lo all the terms of this insurance having ence thereto. - . ' • ' • ' COVERAGES COLLISION FIRE, LIGHTNING OR TRANSPORTATION THEFT SUPPLEMENTAL NIMUM RNEO :EMIUMS COLLISION COVERED AUTOMOBILES* TYFES AND INTERESTS THEREIN NEW NOT CO NO NO NO FIRE * 50. Uttd (including tfemotv idalort L tervke vehicles) VERED YES 1 & 1 YES 1 & YES 1 & FIRE & THEFT f 50. PLANATION OF ENTRIES FOR DESIGNATING, THE INTERESTS INSURED HEREUNDER COVERED AUTOMOBILES TO WHICH THIS INSURANCE APPLIES: 4 4 4 •• , 'LIMIT OF LIABILITY EACH COVERED AUTOMOBILE Actual Cash Value less $ • ' deductible : Actual Cash Value Actual Cash Value less deductible of $50 Q $100 if Indicated by "IS") applicable as staled, lii "COVERAGE AGREEMENTS" SUPPLEMENTAL : . ••• PER LOCATION AMD "IN TRANSIT" As staled In Item 2 TOTAL PREMIUM (DEPOSIT PREMIUM IF "MONTHLY OR QUARTERLY REPORTING" BASIS) * N/C * 68.00 * 387,00 $.171.00 $ 626,00 PREMIUM BASIS ' '•(Indicate Basil Agreed Upon by "B") =Named insured'! interest in owned covered automobiles unencumbered by any security interest of a creditor of the named Insured. — Named insured': equity only, in covered automobiles encumbered 1 v security interest of a creditor of the named Insured. =(v._.d Insured'! and its secured creditor's Interest, subject to Loss Payable Clause, in covered automobiles encumbered by any security interest of such creditor. i=AII interests in consigned automobiles. A. Monthly .••'•, Q The average of the values for each day of the preceding month Reporting . coming within the policy period Values determined Q The average of the values for the last business day of each week as— ' during preceding month coming within the policy period ;. Q The values for the last business day of the preceding month coming within the policy period B. Quarterly ' • •' Q The average of the values for the last business day of each of Reporting..: ' the preceding three months coming within the policy period Values determined Q The values for the last business day of every third month coming as— V within the policy period C. Non-Reptrtlnt SI staled limit of liability (named locations)_________ em 2. Locations and Limits of Liability, Rates and Premiums applicable thereto: . :• ) NAMED LOCATIONS. The named insured represents that the specific locations named herein are all of the locations or spaces within locations owned, rented or controlled holly or in part and used by the named Insured as places ol display or storage of covered automobiles as of the effective date of this Insurance. The limit of the com- my's liability for each such named location shall be as stated herein, subject to all the terms of this Insurance having reference thereto. OCA- TION NO. 1 2 3 ADDRESS (SHOW MAIN SALES LOCATION AS LOCATION NO. 1) Parcel 0405 Estate Annas Retreat Total Limit of Liability — All Named Locations BLANKET ANNUAL RATES" COLLISION FIRST $50,000. $50.001. TO $100,000. OVER $100,000. PREMIUM , • i t • . . • ' . : : • LiMii of LIABILITY • ' • ' • i " '• ' : ' $ 45,600:. rl> i * ,:•; V • $ * ••' • ' • ' • . RATES F=Flrt, Ll(htnln| or TriniporUllon Cov. S=Supplimentil Cov. Fi .15 S: _ *^fl F: S: F: S: TOTAL PREMIUM- FIRE « SUPPLEMENTAL COVERAGES PREMIUM Fire & Supplemental CovtratM (II "Non- Rcportfni" Bids) fifl.no 171 Qn $239.00 . • ' ! . . • ' BLANKET ANNUAL RATES" THEFT FIRST $50,000. .86 • $50,001. TO $100,000. .86 OVER $100,000. .86 ' II Named Locations, based on (1) Monthly or Quarterly Reported Values or "'' Total Premium— ^ _ "Non-Reporting", Total Limit ol Liability ' • ' • • ' . Coll. & Theft Covges. (b) UNNAMED LOCATIONS. The limit of the company's liability for unnamed locations shall be as stated herein, subject to all the terms of this Insurance having reference thereto: ITEM 3. LOSS PAYEEi AS STATED IN THE LOSS PAYABLE CLAUSE, ANY EACH UOiriONU. LOCMION * 10,000 EACH TEMrOUXT IOCMIOK * 10,000 PREMIUM * 387.00 $ 387.00 EACH COYWIO MIOMOIILE IN 1KANSIT ' 10,000 LOSS UNDER THIS INSURANCE IS PAYABLE AS INTEREST MAY APPEAR TO THE NAMED INSURED AND TUT Continued 01 made available tor the use of the nanieu officers or employees thereof and privately btored at other than the named locations; • (ji) 'The premium stated in the schedule is a deposit premium only which shall be credited to the amount of the earned premium due at the end of the policy period. Earned premiums shall be computed month- ly by applying pro rata of the annual rate for each - - Coverage afforded to the total amount of values shown in each of the named insured': monthly state- mei.ls and, upon notice thereof to the named in- surutl, shall become due and payable. Upon expira- tion of this insurance or cancellation thereof by the named insured, the earned premium shall not be less than the minimum earned premium stated in the schedule; ' • • ' . . , (iii) If upon cancellation or expiration of this insur- ance, the earned premium cannot be determined because of the named insured'; failure to render the statements required hereunder, the earned premium for .the period for which statements have not been rendered shall be computed by applying pro rata of the annual rate for each Coverage af- forded at each location to 75% of the total limit of liability therefor at each location. ' ,.' (b) "Quarterly Reporting" (i) The named insured shall render to the company, on or before the fifteenth day of the fourth month and of every third month thereafter a statement, on the form provided by the company, of the lo- cation of all covered automobiles and the actual cash value thereof at the close of business'on a given day or days of the preceding three months, determined as indicated in the schedule.'- Each such quarterly statement of values reported for the named location identified in the schedule as the main sales location shall be inclusive of the'actual cash vali;: of all covered automobiles made avail- able for .,.,; use of the named insured, officers or employeus iherepf and privately stored at other than the named locations; . ; ' (ii) The premium stated in the schedule is a deposit premium only which shall be credited to the amount of the earned premium due at the.end of the policy period. Earned premiums shall be computed quar- •—- terly by applying pro rata of the annual rate for each Coverage afforded to the total amount of .''Values shown in each of the named insured's quarterly statements and, upon notice thereof to the named insured, shall become due and payable..' Upon expiration of this Insurance or cancellation thereof by the named insured, the earned premium shall not be less than the minimum earned premium stated in the schedule; . ,•' ' .- (iii) If upon cancellation or expiration of this insurance, the earned premium cannot be determined because of the named insured's lailure to render the state- ments required hereunder, the earned premium for the period for which statements have not been rendered shall be computed by replying pro rata of the annual rate for each Coverage afforded at each location to 75% of the total limit of liability therefor at each location. (c) "Non-Reporting" . Additional or return premiums for increase or reduction of the limits of liability at named locations shall be computed pro rata. Upon termination of Collision or Supplemental Coverage, if afforded, by expiration or demand of the namea insured, the earned premium for such Coverage shall not be less than the minimum earned premium stated in the schedule. The named insured shall maintain records of such infor- mation as is necessary for premium computation, and shall send copies of such records to the company at the end of the policy period and at such times during the policy period as the company may direct. 3. Named Insured's Duties in Event of Loss In the event of loss the named insured shall: insurance applies to tne ios:,, «nu u... ,M,..,^., .... . damage due to the named insured's failure to protect shall not be recoverable under this insurance; reason- able expenses incurred in affording such protection shall be deemed incurred at the company's request; (b) give notice thereof as soon as practicable to the com- pany or any of its authorized agents and also, in the event of theft or larceny, to the police; (c) file with the company, within 91 days after loss, his sworn proof of loss in such form and including such information as the company may reasonably require and. upon the company's request, shall exhibit the damaged property and submit to examination under oath; (d) cooperate with the company and, upon the company's request, shall assist in making settlements, in the con- ' duct of suits arid in enforcing any right of contribution or indemnity against any person or organization who may be liable to the named insured because of loss with respect to which this insurance applies; and shall attend hearings and trials and assist in securing and giv- ing evidence and obtaining the attendance of witnesses; but the .named insured shall not, except at his own cost, voluntarily make any payment, assume any obligation, offer or pay any reward for recovery of stolen, property or incur any expense other than as specifically provided in this insurance. ' I 4. Payment for Loss The company may pay for the loss In money or may repair or replace the damaged or stolen covered automobile or part thereof; but if requested by the company the named insured shall replace such covered automobile or part or furnish the labor arid materials necessary for repairs thereto and the com- pany shall pay only the actual cost to the named insured. The company may_ at any time before the loss is paid or the covered automobile is so replaced, at its expense return any stolen covered automobile to the named Insured, with payment for any resultant damage thereto; or may take all or part of the damaged or stolen covered automobile at the agreed or appraised value but there shall be no abandon- ment to tliu company. 5. Appraisal If the named insured and the company fall to agree as to the amount of loss, either may, within 60 days after proof of loss is filed, demand an appraisal of the loss. In such event the named insured and the'company shall each select a competent appraiser, and the appraisers shall select a com- petent and disinterested umpire. The appraisers shall state separately the actual cash value and the amount of loss and falling to agree shall submit their differences to the umpire. An award in writing of any two shall determine the amount of loss. The named Insured and the company shall each pay its chosen appraiser and shall bear equally the other ex- penses of the appraisal and umpire. The company shall not be held to have waived any of its rights by any act relating to appraisal. 6. Action Against Company No action shall lie a^a; ~t the company unless, as a con- dition precedent thereto, there shall have been full compli- ance with all the terms of this insurance nor until 30 days after proof of loss is filed and the amount of loss is deter- mined as provided in this insurance. 7. Other Insurance If the named insured has other insurance against a loss covered by this insurance, the company shall not be liable under this insurance for a greater proportion of such loss than the applicable limit of liability stated in the schedule bears to the total applicable limil of liability of all valid and collectible insurance against such loss,. 8. No Benefit to Bailee None of the provisions of this insurance shall inure di- rectly or indirectly to the benefit of any carrier or other bailee for hire. 9. Terms of Insurance Conformed to Statute Terms of this insurance which are in conflict with the statutes of the st.ite wherein this insurance is issued are hereby amended iu conform to such statutes. AMENDMENT OF "NAMED INSURED'S DUTIES IN EVENT OF LOSS" AND "APPRAISAL" CONDITIONS ! (KANSAS) It is agreed that: 1. In the "Named Insured's Duties in Event of Loss" Condition, paragraph (a) is amended to read: "(a) use every reasonable ,neans to protect the covered automobile (whether or not this insurance applies to the loss) from furthaf loss; reasonable expenses incurred in affording such protection shall be deemed incurred at t h e company's request;" . • • • : • ; • . , . 67901B 2. In the "Apprajsal" Condition, the term "30 days" is substituted for "60 days". r.m ''.t ED. 10-1 66 /^rp^1^ I. COVERAGE AGREEMENTS The company will pay for loss to covered ~iitomobiles, nder: P. COLLISION—caused by collision; Q. FIRE, LIGHTNING OR TRANSPORTATION—caused by (a) fire or lightning, . ;' . ' • '••_' (b) smoke or smudge due to a sudden, unusual and faulty operation of any fixed heating, equipment serving the premises in which the covered automobile is located, or (c) the stranding, sinking,, burning, collision or derailment of any conveyance in or upon which the covered auto- mobile is being transported; • R. THEFT—-caused by theft or larceny; T. SUPPLEMENTAL—caused by . (a) windstorm, hall, earthquake or explosion, ' ' (b) riot or civil commotion, (c) the forced landing or falling of any aircraft or its parts or equipment, • • • ' (d) malicipus mischief or vandalism,1 , (e) flood or rising waters'or •: •(f) external discharge or leakage of water; provided that, with respect to each covered automobile, (i) under the • Collision Coverage, such payment shall be only for the amount of each loss in excess of the de- ductible amount, if any, stated in the schedule as -applicable thereto;.', '' ; • • iij under the .Theft Coverage, as respects loss to a covered automobile While stored or displayed at any open lot location other than a standard open lot, or in any build- ing not securely enclosed and locked while unattended, this insurance shall apply only to the amount of each such loss in excess of the applicable deductible amount indicated in the schedule unless the entire covered automobile js taken or the loss occurs while the covered automobile is being transported or moved in the ordinary course of business; t; • (iii) under the Supplemental Coverage, the applicable de- ductible, amount, indicated in. the schedule shall be deducted from the amount. of each loss caused by malicious mischief or vandalism, : 2. GENERAL AVERAGE AND SALVAGE CHARGES In addition to the applicable limits of liability, the com- pany will, with respect to such transportation insurance as is afforded herein, pay general average and salvage charges for which: the named insured becomes legally liable. . ' • " ' . . . " ' 3. Such insurance as is afforded Under each Coverage ap- : plies separately to each covered automobile, and a' land motor vehicle and one or more trailers or semitrailers attached thereto shall be held to be separate covered automobiles as respects limits of liability and any'de- ductible provisions applicable thereto. •• ,. • ' • • • • • * . . - , ' ' • . . . . 1 • , . , . - Exclusions - ' ' . . - • . ; - . ; , :' . . ,.. '. . , . This insurance does not apply: . . . (a) to any covered automobile while: (i) being used as a public or livery conveyance; or , . (ii) in a building or premises occupied by the named insured as a factory or assembly plant, but this shall not be construed to mean salesrooms, service stations or garages; or , , •. .: •• (iii) leased or rented "to others, except while rented to a customer of the named insured while such cus- : tomer's veliicle is temporarily left with the named insured for service or repair; or . . (iv) being used in any prearranged or organized racing, speed or demolition contest or in any stunting ac- . - . _ - ! : „ „ .. . (b) to more .thah 4\ covered automobiles while walerborne , '>•'' on any single boat, barge, or lighter, but this exclusion shall^not appl" fo covered automobiles in a railroad car . . being .transported, on a car ferry;" ,: ; (c) to damage which is due and confined to-. (I) wear and tear, or (iij. freezing, or"' 1- (ilij. mechanical or electrical breakdown or failure, unless such .damage results from a theft covered by this insurance; y ,,, •. . - : .. ..i,;,..-- .,- •';. . :.•'-. ; . • • -.. (d) to tires,, unless ' ' • (i) loss be coincident with and from the same cause : i'-.;as other loss covered by this Insurance; or (ii) damaged by fire or stolen and, as to the covered • • -automobile, loss caused by such damage or theft 1 .' is covered by this insurance; (e) to loss occurring ' . (i) prior to delivery of any covered automobile sold • •' by the named Insured if the purchaser thereof has . other Insurance against such loss; (ii) after delivery of any covered automobile sold by ,: , the named insured, whether or not subject to any ':'. security Interest; (iiij..after, or resulting from, .the nan, -1 insured's vol- ". £-un.tarlly parting with title to or possession of any V covered automobile, if Induced to do so by any .; 'fraudulent scheme, trick, device or false pretense, ..Cor, from embezzlement, conversion, secretion, theft i'j-or larceny committed by any person entrusted by ' , if the named Insured with custody or possession of 't, the covered automobile; • " . ' ' ; (iv),i at'; any additional location prior to the company's '•1.receipt of the named insured's report thereof, ••'.Sunless such loss occurs during the first 45 days :\f: after commencement of the use of such location; (vj 'at a'ny temporary location more than 7 days after • ',! commencement of its use; ' . (f) to loss,due to ' : '• ' (ij'jwar, 'whether or not declared, civil war, insuir ;.!'tlon, rebellion or revolution, or ' iny act or cu •. Utdltion incident to any of the fo> •• ng; (ii) Iradioactive contamination; . •' (g) to.loss'to,v . . , ; . . . . - . • • (ij^any device or Instrument designed for the recording, • '^.reproduction, or recording andreproduction of sound !|;uhless .such device or instrument: is permanently in- jistalled'in the covered automobile; • * ) - » ' ! n > - . • . . ' j i .- . . • (iij'l-.a'nyjape, wire, record disc or other medium for use yiwith any.device or instrumeent designed for the re- >•>;'.'cording, reproduction, or recording and reproduction :', :pf..sound; ;; (h) to 'the/named Insured's prospective profit or overhead charges of any nnl'ire; (i) underi the Collision Coverage, to any covered automobile .while" bfeing driven, towed, or carried on any other land motor! vehicle, trailer or semitrailer owned or hired by the, named insured, from point of purchase or distribu- ' tiori to point of destination if such points are more than • 5 0 load miles'apart;' • • . , ' . - ' ' - -i;>-'! 'i ' ; • • | • . ' - , : (j) undei1 division (c) of the Fire, Lightning or Transporta- tion Coverage,.to loss to any covered automobile caused .by the collision or upset of any land motor vehicle, trniler ' or semitrailer in or upon which the covered autotv' Me _ is being transported; (k) under the Supplemental Coverage, to loss resulting from rain,.snow or sleet, whether or not wind-driven. II. LIMIT OF. LIABILITY 1. the limit of the company's liability for loss to any one covered automobile shall not exceed: . (a), the actual cash value:of ,,,--.; or If the loss is to a p.r .-}• .value of such part, at tu 'nl what It'would ilien cosi coverpri automobile, . . •ieof tli" actual cash ' re such covered automobile or part thereof with other of like kind and quality, with deduction for. deprecia- tion; _ .. • - . . • ' ' ."'.'.''•'!i. pfrovid-..-! that, unless with respect to such covered auto- mobile the insurance afforded is designated in the edule as applying to all parties at interest therein, the •pany shall not be liable for a greater proportion of any v. ^;h loss than the amount at interest therein 'for the party whose interest is so designated bears to the actual cash value of such covered automobile at i the '.time of such loss. . . . ; ; ' . ' . : '.,':'.;• 2. Subject to the above provisions respecting any one covered automobile, the limit of the company's liability for all loss directly attributable to a single happening out of which loss occurs shall not exceed, as :to all covered automobiles at one named, additional or tem- porary location, or as to a covered automobile in transit, the applicable limit erf liability stated in the schedule; provided that, if the premium basis for this insurance is indicated in the schedule as: ; • "••:. • ] • • . '•'••• •'•'",• • (a) "Monthly Reporting" . • . ,. j \> ', The company's liability for any such loss, shall' not exceed that proportion thereof which '-.'.'.'•.' •';!' (i) the aggregate actual cash values with respect to the location where such loss occurred or where the damaged [n'perty is normally lo- cated, as stated in Uie monthly' statement last rendered to the company prior to:such loss, bear'to ': • ''.. :•,'.' V' '.'•:•&:. •'.' ' '• • '•' ii. ',"*,'•':, (ii) the aggregate actual cash values • at'said lo- cation as of the date of said statement In- cluding, with respect to' the, named location identified in the schedule as' the main sales location, the actual cash value of all covered automobiles .made available for the use'of the named insured, officers or employees'.thereof and privately stored at other than.the named locations; • ; •. but, if the first monthly'statement required'under the terms of this insurance is delinquent as of the date of any loss, the company's liability for "-—-- such loss shall not exceed 75% of the limit of liability stated in the schedule for the applicable location. . . . ' " . . . ' (b) "Quarterly Reporting;" . ';' >•!;' The company's liability for any such loss shall not exceed that proportion thereof which . . . ; . . . I, . (i) the aggregate actual cash values with 'respect to the location where such loss, occurred or where the damaged property is normally located, as stated in the quarterly statement last rend- ered to the company prior to such loss, bear to (ii) the aggregate actual cash values at said loca- tion as of the date of said statement including, with respect to the named location identified in the schedule as the main sales location, the actual cash value of all covered automobiles made available for the use of the named insured, officers or employees thereof and privately stored at other than the named locations; ,.',.:: but, if the first quarterly statement required, under the terms of this insurance is delinquent as of the date of any loss, the company's liability for such loss shall not exceed 75% of the limit of liability stated in the schedule for the applicable location. •;'• • (c) "Non-Reporting" .• .. ; The company shall not be liable for a greater pro- portion of such loss to any covered automobile than the total limits of liability stated in the schedule for all named locations bear to the aggregate!actual cash value of all covered automobiles at the-time of such loss. • • . - . . • ' . • • . ' ::..'•-.. I. POLICY PERIOD; TERRITORY ;•; -" This insurance applies only to loss which occurs'during the policy period, while the covered automobile is'within the United States of America, its territories or possessions, or Canada, or is being transported between ports thereof. IV. ADDITIONAL DEFINITIONS . :; When used in reference to this insurance (including endorsements forming a part of the policy): <:' '. "additional i controlled in whole or in part by the named insured which4.; is (i) used as a place of display or storage of covered::-; " automobiles subsequent to the effective date of this : insurance, and (ii) so reported to the company by the named Insured; "collision" means (i) collision 'of a covered automobile : with another object or with a vehicle to which it is at- tached, or (ii) upset of such covered automobile; "consigned automobile" means a land motor vehicle, trailer or semitrailer held by the named Insured for sale, not owned by the named insured nor encumbered by a security Interest of a creditor of the named insured; "covered automobile" means a land motor vehicle, trailer or semitrailer, including its equipment and other equip- ment permanently attached thereto (but not including robes, wearing apparel or personal effects), which is of a type designated in the schedule as a covered automobile to which this insurance applies and is: (a) held by the named Insured for sale; or (b) used in the named insured's business as a sales agency or dealer for such vehicles, including repair service therefor, or as a demonstrator; or (c) if so designated, a consigned automobile; or (d) held by the named Insured pending delivery after sale; "loss" means direct and accidental loss or damage; "named location" means the location, or space within the location, used by the named Insured as a place of display or storage of covered automobiles, at each address shown in the schedule; "security interest" means the interest of any creditor in a covered automobile which secures an obligation owed such creditor; "standard open lot" means an open parking storage lot enclosed on all sides by a metal cyclone or equivalent . fence not less than six feet in height, or bounded on one or more sides by the wall or walls of a building with no unprotected openings and with the exposed sides of the lot enclosed by a metal cyclone or equivalent fence not less than six feet In height, with openings securely locked when unattended;' ' , . "temporary location" means any location used by the named Insured for.the purpose of storing or displaying covered automobiles, other than a named or additional location or a location named in any other policy affording the named insured insurance against loss covered here- under. . •' : V. CONDITIONS : None of the Conditions of the policy shall apply to this insurance except "Inspection and Audit", "Subrogation", "Changes", "Assignment", "Cancellation", and "Declarations". This insurance snail also be subject to the following addi- tional Conditions: ' 1. Limitation of Coverage Under Any Other Automobile Physical Damage Insurance Part The insurance afforded under any other automobile physi- cal damage insurance made a part of this policy does not apply to any covered automobiles, or parties at interest there- in, for which insurance is afforded herein. 2. Premium j All premiums for this insurance shall be computed in accordance with the company's rules, rates, rating plans, pre- miums and minimum premiums applicable to the insurance afforded herein. The premium bases and rates for this insurance are as indicated in the schedule. If the premium basis so indicated is: (a) "Monthly Reporting" ' : . • • (i) The named insured shall render to the company, on or before the fifteenth day of each month a statement, on the form provided by the company, of the location of all covered automobiles and the actual cash value thereof at the close of business on a given day or days of the preceding month, determined as indicated in the schedule. Each ' such monthly statement of values reported for the named ltK-"->ii identified in the schedule ^ as the main s..i- • locatin II be inclusive of the actual cash value of vered automobiles HM m Continued Part 1-2 PROTECTION AGAINST UNINSURED MOTORISTS INSURANCE ROYAL-GLOBE INSURANCE COMPANIES This coverage PART, the DECLARATIONS and other coverage PARTIS), or endorsements referred to herein, and the GENERAL PROVISIONS complete the contract ol insurance. ________• Type Policy nvmbtr and prgmium only, in Ihil ncli'on obove lfi« heavy lint, IF ittuid with policy and attachment italtd in policy dtclaroliont. Unless otherwise stated, this coverage part lorms a part of the policy to'' which attached as of Issue, provided such attachment is staled in the policy declarations. Otherwise this coverage part is issued lor attachment to and forms a part of the below numbered policy, effective on the date indicated, at 12:01 A.M., Standard Time as stated in the policy.______' SIGNED BY Aulhorlied RepreicnUllvi JMPANY END. EFF. DATE MONTH / DAY / YEAR ADDITIONAL PREM. S POLICY NUMBER WLU 22 91 68 Named Insured (and address when necessary for mailing) r • • n Producer (and address for mailing) L j L J chedule . ' ' • ' • COVERAGE '" LIMITS OF LIABILITY EACH PERSON ; EACH ACCIDENT U. Uninsured Motorists $ 10jOOQ '''•*; 20 ,000 DESIGNATED INSURED ! | •'" . . : ' ' • ' • • . ' '" "- '• fy': ' ' : TOTAL ADVANCE PREMIUM $ 40.00 ADVANCE PREMIUM $ J $ $ Description of Insured Highway Vehicles (Check appropriate box) [~~] Any automobile owned by the named Insured [3 Any private passenger automobile owned by the named insured [~] Any highway vehicle to which are attached dealer's license plates issued to the named insured . : ,.' ' i>V'V' • ' ' ( [~~] Any highway vehicle described below (model year, trade name, identification number) and a highway vehicle ownership of which is acquired during the policy period by the named insured as a replacement therefor j '.. • ' ' r—i N s '^'" : I I Any mobile equipment owned or leased by and registered in the name of the named insured ' • . I. COVERAGE U—UNINSURED MOTORISTS (Damages for Bodily Injury) The company will pay all sums which the insured or his legal representative shall be legally entitled to recover as damages from the owner or operator of an uninsured highway vehicle because of bodily injury sustained by the insured, caused by accident and arising out of the ownership, main- tenance or use of such uninsured highway vehicle; provided, for the purposes of this coverage, determination as to whether the insured or such representative is legally entitled to re- cover such damages, and if so the amount thereof, shall be made by agreement between the insured or such representa- tive and the .company or, if they fail to agree, by arbitration. No Judgment against any person or organization alleged to be legally responsible for the bodily injury shall be con- clusive, as betwpon •: •• insured and the company, of (Ue issues' of liability ••' ••• h per organi-^'ion or of the amount of damagn? ' liich r ;ired 'r •fj.illy entitled unless such judgm^i : '•- ^iterp 'ant !•• -i';i action prose- tration are agreed to between the insured and the com- pany, and judgment upon the award rendered by the arbitrators may be entered in any court having jurisdic- tion thereof. Such person and the company each agree to consider itself bound and to be bound by any award made by the arbitrators pursuant to this insurance. G. Trust Agreement. In the event of payment to any person under this insur- ance: (a) the company shall be entitled to the extent of such payment to the proceeds of any settlement or judg- ment that may result from the exercise of any rights of recovery of such person against any person or organization legally responsible for the bodily injury because of which such payment is made; (b) such person shall hold in trust for the benefit of the company all rights of recovery which he shall have against such other person or organization be- cause of the damages which are the subject of claim made under this insurance; (c) such person shall do whatever is proper to secure and shall do nothing after loss to prejudice such rights; (d) if requested in writing by the company, such person shall take, through any representative designated by i the company, such action as may be necessary or ; • appropriate to recover such payment as damages ,i.-'from such other person or organization, such action ''<to be taken in the name of such person; in the event '•'.• of a recovery, the company shall be reimbursed out of such recovery for expenses, costs and attorneys' fees incurred by it in connection therewith; (e) such person shall execute and deliver to the com- '.' pany such instruments and papers as may be appro- ' priate to secure the rights and obligations of such ' person and the company established by this pro- ,', vision. H. Payment of Loss by the Company. Any amount due hereunder is payable (a), to the insured, or (b) if the insured be a minor to his parent or guardian, .•':•: or (c) if the insured be deceased to his surviving spouse, •J .• otherwise (d) to a person authorized by law to receive such pay- 1; ment or to a person legally entitled to recover the j damages which the payment represents; provided, the company may at its option pay any amount due hereunder in accordance with division (d) hereof. inued Froirt Reverse-Side above, when withdrawn from normal use because of its breakdown, repair, sen icing, loss or destruction; (c) while being operated by, the named or designated insured or by the spouse of either if a resident of the same household; I but the term "insured highway vehicle" shall not include: (i) a vehicle while used as a public or livery convey- ance, unless such use is specifically declared and described in this policy; (ii) a vehicle while being used without the permission of the owner; (iii) under subparagraphs (b) and (c) above, a vehicle owned by the named insured, any designated insured or any resident of the same household as the named or designated insured; or (iv) under subparagraphs (b) and (c) above, a vehicle furnished for the regular use of the named insured or any resident of the same household; "occupying" means in or upon or entering into or alight- ing from; ; "state" includes the District of Columbia, a territory or possession of the United States, and a province of Canada; "uninsured highway vehicle" means: (a) a highway vehicle i with respect to the ownership, maintenance or use of which there is, in at least the amounts specified by the financial responsibility law of the state in which the insured highway vehicle is principally garaged, no bodily injury liability bond or insurance policy applicable at the time of the -' accident with respect to any person or organization legally responsible for the use of such vehicle, or with respect to which there is a bodily injury liability bond or insurance policy applicable at the time of the accident but the company writing the same de- nies coverage thereunder or is or becomes insolvent; or (bj a hit-and-run vehicle; but the term "uninsured highway vehicle" shall not in- clude: (i) an insured highway vehicle,: (ii) a highway vehicle which is owned or operated by a self-insurer within the meaning of any motor vehicle financial responsibility law, motor carrier law.or any similar law, (iii) a highway vehicle which is owned by the United States of America, Canada, a state, a political sub- division of any such government or an agency of any of the foregoing. VI. ADDITIONAL CONDITIONS A. Premium. If during the policy period the number of insured high- way vehicles owned by the named insured or spouse or the number of dealer's license plates issued to the named insured changes, the named insured shall notify the com- pany during the policy period of any change and the premium shall be adjusted in accordance with the man- uals in use by the company. If the earned premium thus computed exceeds the advance premium paid, the named insured shall pay the excess to the company; if less, the company shall return to the named insured the unearned portion paid by such insured. B. Proof of Claim; Medical Reports. As soon as practicable, the insured or other person mak- ing claim shall give to the company written proof of claim, under oath if required, including full particulars of, the nature and extent of the injuries, treatment, and other • details entering into the determination of the amount payable hereunder. The insured and every other person making claim hereunder shall submit to examina- tions Under oath by any person named by the company and subscribe the same, as often as may reasonably be required. Proof of claim shall be made upon forms fur- nished by the,company unless the company shall have failed to furnish such forms within 15 days after receiv- ing notice of claim. The injured person shall submit to physical examinations by physicians selected by the company when and as often as.the company may reasonably require and he, or jn the event of his incapacity his legal representative, or in the event of his death his legal representative or the person or persons entitled to sue therefor, shall upon each re- quest from the company execute authorization to enable the company to obtain medical reports and copies of records'. C. Assistance and Cooperation of the Insured. After, notice of claim Under this insurance, the company may. require the insured to take such action as may be necessary or appropriate to preserve his right to recover damages from any person or organization alleged to be legally responsible for the bodily injury; and in any ac- tion against the company, the company may require the insured to join such person or organization as a party defendant.' ; D. Notice of Legal Action. If, before the company makes payment of loss hereunder, the Insured or his legal representative shall institute any legal action for bodily injury against any person or organ- ization legally responsible for the use of a highway vehi- cle Involved in the accident, a copy of the summons and complaint or .other 'process served in connection with such legal action shall be forwarded immediately to the company by the Insured or his legal representative. E. Other Insurance. . With respect to bodily injury to an insured while occupy- ing a.highway vehicle not owned by the named insured, this insurance shall apply only as excess insurance over any other similar insurance available to such insured and applicable to such vehicle as primary insurance, and this insurance shall then apply only in the amount by which the limit of- liability for this coverage exceeds the appli- cable limit of liability of such other insurance. 1 '' i''-" , . I . Except as provided in the foregoing paragraph, if the in- sured has other similar insurance available to him and applicable to the accident, the damages shall be deemed not to exceed the higher of the applicable limits of lia- bility of this insurance and such other insurance, and the compahy. shall not be liable for a greater proportion of any.loss to which this coverage applies than the limit of liability- hereunder bears to the .sum of the applicable limits of liability of this insurance and such other insur- ance.'; '•',/., • ''.'.• '.' l''•!•':'' ':•''' ' F. Arbitration. .'. If any person making claim hereunder and the company do not agree that such person is legally entitled to re- cover damages from the owner or operator of an unin- sured highway vehicle because of bodily injury to the in- sured, or•'• do not agree as to the amount of payment which may be owing under this insurance, then, upon written'demand of either, the matter or matters upon which'such person and the .company do not agree shall be settled by arbitration, which shall be conducted in accordance with the rules of the American Arbitration Association unless other means of conducting the arbi- CL 67916A Continued cuted by the insured with the written consent of the company. Exclusions This insurance does not apply: (a) to bodily injury to an insured with respect to which such insured, his legal representative or any person entitled to payment under this insurance shall, without written consent of the company, make any settlement with any person or organization who may be legally liable there- for; (b) to bodily injury to an insured while occupying a high- way vehicle (other than an insured highway vehicle) owned by the named insured, any designated insured or any relative resident in the same household as the named or designated insured, or through being struck by such a vehicle, but this exclusion does not apply to the named insured or his relatives while occupying or if struck by a highway vehicle owned by a designated insured or his relatives; (c) so as to inure directly or indirectly to the benefit of any workmen's compensation or disability benefits carrier or any person or organization qualifying as a self-in- surer under any workmen's compensation or disability benefits law or any similar law. II. PERSONS INSURED Each of the following is an insured under this insurance to the extent set forth below: (a) the named insured and any designated insured and, while residents of the same household, the spouse and relatives of either; ~~fb) any other person while occupying an insured highway vehicle; and (c) any person, with respect to damages he is entitled to recover because of bodily injury to which this insurance applies sustained by an insured under (a) or (b) above. The insurance applies separately with respect to each in- sured, except with respect to the limits of the company's liability. III. LIMITS OF LIABILITY Regardless of the number of insureds under this policy, the company's liability is limited as follows: (a) The limit of liability stated in the schedule as ap- plicable to "each person" is the limit of the company's liability for all damages because of bodily injury sus- tained by one person as the result of any one accident and, subject to the above provision respecting "each person", the limit of liability stated in the schedule as applicable to "each accident" is the total limit of the company's liability for all damages because of bodily injury sustained by two or more persons as the result of any one accident; (b) Any amount payable under the terms of this insurance because of bodily injury sustained in an accident by a person who is an insured under this coverage shall be reduced by (1) all sums paid on account of such bodily injury by or on behalf of (i) the owner or operator of the uninsured high- way vehicle and (ii) any other person or organization jointly or severally liable together with such owner or operator for such bodily injury, including all sums paid under the bodily injury liability coverage of the policy, and (2) the amount paid and the present value of all amounts payable on account of such bodily injury under any workmen's compensation law, disability benefits law or any similar law; (c) Any payment made under this insurance to or for any insured shall be applied in reduction of the amount of damages which he may be entitled to recover from any person insured under the bodily injury liability coverage of the policy; (d) The company shall not be obligated to pay under this insurance that part of the damages which the insured may be entitled to recover from the owner or operator of an uninsured highway vehicle which represents ex- penses for medical services paid or payable under the medical payments coverage of the policy. IV. POLICY PERIODj TERRITORY This insurance applies only to accidents which occur dur- ing the policy period and within the United States of Amer- ica, its territories or possessions, or Canada. V. ADDITIONAL DEFINITIONS When used in reference to this insurance (including en- dorsements forming a part of the policy): "designated insured" means an individual named in the schedule under Designated Insured; "highway vehicle" means a land motor vehicle or trailer other than , (a) a farm type tractor or other equipment designed for use principally off public roads, while not upon pub- lic roads, (b) a vehicle operated on rails or crawler-treads, or (c) a vehicle while located for use as a residence or premises; "hit-and-run vehicle" means a highway vehicle which causes bodily injury to an insured arising out of physical contact of such vehicle with the insured or with a vehicle which the insured is occupying at the time of the accident, provided: (a) there cannot be ascertained the identity of either the operator or owner of such highway vehicle; (b) the insured or someone on his behalf shall have re- ported the accident within 24 hours to a police, peace or judicial officer or to the Commissioner of Motor Vehicles, and shall have filed with the company within 30 days thereafter a statement under oath that the insured or his legal representative has a cause or causes of action arising out of such acci- dent for damages against a person or persons whose identity is unascertamable, and setting forth the facts in support thereof; and (c) at the company's request, the insured or his legal representative makes available for inspection the vehicle which the insured was occupying at the time of the accident; "insured highway vehicle" means a highway vehicle: (a) described in the schedule as an insured highway vehicle to which the bodily injury liability coverage of the policy applies; (b) while temporarily used as a substitute for an insured highway vehicle as described in subparagraph (a) 67916A Qver cuted by the insured with the written consent of the company. Exclusions This insurance does not apply: (a) to bodily injury to an insured with respect to which such insured, his legal representative or any person entitled to payment under this insurance shall, without written consent of the company, make any settlement with any person or organization who may be legally liable there- for; (b) to bodily injury to an insured while occupying a high- way vehicle (other than an insured highway vehicle) owned by the named insured, any designated insured or any relative resident in the same household as the named or designated I insured, or through being struck by such a vehicle, but this exclusion d9es not apply to the named insured or his relatives while occupying or if struck by a highway vehicle owned by a designated insured or his relatives; (c) so as to inure directly or indirectly to the benefit of any workmen's compensation or disability benefits carrier or any person or organization qualifying as a self-in- surer under any workmen's compensation or disability benefits law or any similar law. i II. PERSONS INSURED j Each of the following is an insured under this insurance to the extent set forth below: (a) the named insured and any designated insured and, while residents of the same household, the spouse and relatives of either; (b) any other person while occupying an insured highway vehicle; and (c) any person, with respect to damages he is entitled to recover because of bodily injury to which this insurance applies sustained by an insured under (a) or (b) above. The insurance applies separately with respect to each in- sured, except with respect to the limits of the company's liability. • .'. ' III. LIMITS OF LIABILITY Regardless of tlie number of insureds under this policy, the company's liability is limited as follows; (a) The limit of liability stated in the schedule as ap- plicable to "each person" is the limit of the company's liability for all damages because of bodily injury sus- tained by one person as the result of any one accident and, subject to the .above provision respecting "each person", the limit of liability staled in the schedule as applicable to "each accident" is the total limit of the company's liability for all damages because of . bodily injury sustained by two or more persons as the result of any one accident; (b) Any amount payable under the terms of this insurance because of bodily injury sustained in an accident by a person who is an insured under this coverage shall be reduced by (1) all sums paid on account of such bodily injury by or on behalf of • (i) the owner or operator of the uninsured high- way vehicle and (ii) any other person or organization jointly or severally liable together with such owner or operator for such bodily injury, including all sums paid under the bodily injury liability coverage of the policy, and (2) ' (he'.'; amount paid and the present value of all , amounts, payable on account of such bodily injury ''.under any workmen's compensation law, disability ;• benefits jaw or any similar law; (c) Any-.paymeht made Under this insurance to or for any insured .shall be applied in reduction of the amount of damages which he may be entitled to recover from any person insured under the bodily injury liability coverage of. trie policy; (d) The company shall not be obligated to pay under this insurance that part of the damages which the insured may be entitled to recover from the owner or operator of an Uninsured highway vehicle which represents ex- penses .for medical services paid or payable under the medical: payments coverage of the policy. IV. POLICY PERIOD; TERRITORY This insurance applies only to accidents which occur dur- ing the policy period and within the United States of Amer- ica, its territories or possessions, or Canada. V. ADDITIONAL DEFINITIONS When used in reference to this insurance (including en- dorsements forming a part .of the policy): "designated, insured" means an individual named in the schedule under Designated Insured; "highway vehicle" means a land motor vehicle or trailer other, than ' . (a) a farm 'type tractor or other equipment designed for •..•use principally off public roads, while not upon pub- , lie roads, . .'..';• • ' (b) a vehicle operated on rails or crawler-treads, or (c) .a; vehicle while located for use as a residence or • .premises; ; ' ; 'i ' .| * :, . . : ' . ( . ' "hit-and-run -vehicle" means a highway vehicle which caUses bodily injury to an insured arising out of physical contact of .such vehicle with the. insured or with a vehicle which the insured is occupying at the time of the accident, , . (a'j''lnefe'.carinot1be ascertained the identity of either the ' /".operator or owner of such highway vehicle; ' '•'.'v •••.•' i'. '"':'• ,' •' (b).'.lhe. Insured or someone on his behalf shall have re- • /''ported the accident within 24 hours to a police, peace ,'j'ibr'.-|udicial officer or to the Commissioner of Motor •''•Vehicles,!' and' shall have filed with the company '••''within:' 30 days thereafter a statement under oath : ithat the insured or his legal representative has a .; cause 'or' causes of action arising out of such acci- V.ldent for damages against a person or persons whose •identity Is iinascertamable, and setting forth the facts 'Mn support thereof; and •'-.- • { , . , : • • '. . i f , (c) at the company's request, the insured or his legal 'representative makes available for inspection the '•vehicle which the insured was occupying at the time .;.of the accident; ' . ' ' • ' . i ' ' '. i ! "insured highway vehicle" means a highway vehicle: (a) described in the scheduje as an insured highway vehicle to which the bodily injury liability coverage iof the policy applies; (b) while temporarily used as a substitute for an insured highway, vehicle as described in subparagraph (a) Over TUT 003 21O9 EMPLOYER'S ' , ' • • • i .•• . NON-OWMERSHIP AUTOMOBILE INSURANCE ENDORSEMENT . SCHEDULE '. LIABILITY The limits of the Company's liability are on the.basis,and for the amounts: a; • Xl -•''.••:" >/!•'•:'> V' Limits of /Liability •? [ ,'W.V; '.iV 1'- ' '•':' •' '• ' ';;? ii^;. i.. • iJodily Tnj'jry'' »"'$' 3QO,OOQ '•' 'far-h ppfson • > ' " • ; " ' • Liability." •'.•'.;!;?;! Ti^r^V ;.';) ^" !£' ;.V *-W ' • •'" '' " .••.i'4''!^'inrirnnn :'•--!{^"-r::- , ••" 500,000 -i.each occurrence. Form MLB-221 (Ed. 10-66) • • ' •' ! • • • ! ' ; • . en nnn - ' • ! : '' ;'' •'•'• vl''-'i"'-V-:-iv;v.'( ' •• . Tnrl |i.. ' Property Daiiiagp ^ ' JWiUyv _ ' farli occurrence. _ . ,-;;-Advance, Premium ^ • j.n^^-«________ '!•" ''•'' ':i!:V Liability j ' ^ : ' \ :l*.ij'/.'-;ir'lif .'(|;:?j[j, "'\i! '.'l,';l!;-' * '' '•!''(,;' :'' '^':-. ;%'-'.'''^"'iiiS^'\'';i:^1! ^'1 ;<-- •'' • • i>V i •' Iii consideration of the payment of premium and subject to ail the terms'of itliis'ehdorsemerit, {he Company agrees with 'the •^: named Ensured as'fqllo.W's:11';';.^^ ; ^ . ( , ._ fj I.-'. BODILY INJURY. OR PRO ^ERTY^'DAM AGE LI ABILITY' COyE'ltAGEliJ ij'-';!.'jl'^ |. j: j''. V " '' ' ' ' ' i .The Company will pay on behalf of the iilsured, all sums which the insured shall become legally obligated to pay as damages' '. '; .-because of: <i.-i.': <"$. • • { ' :'.-'.; • :..."' ' !•, . • ' • ' . • :iij*'.^V!' ';! •'•••'•.•:, y : • i ,- ;'...... . -bodily injuryorproperty damage ; .!'• ,. • . , . • ' :'>'!!'.'!^-':'i'.'i'!;'/^'I" : '•'"' .•] ' . ' ' ' • • '' ' to which tliis.insurancel.applles caiised by |an' occurrence and arising';butlb^''|ri'el-'liie by .any person, other than the named' '••r-.! . • . • - . . • ,.'..,. ;ir 'This, insurance does nof apply: - i;i;f, , . v. ; •• , 'i ', ••' ' i • 'r'. '. ' • • • • • • " • i ' i' • ••. > •" •• ' " 'It ».!?"i;.'>i i*iiii* •'"'•• •!• Mi !' ! • .<• • • ', , i. to liability assmned.b^ the, insurcd^ndcr,any; contract or agrecnientJnO;|'l|i.iY: |j;j^/•)'.'^ • , .. ; ^-^.b.i to any obligatidii..for, which the insured OP auyicarrier,.as his insurer..may. be-)ield{liable under any workmen's compensa- !'.!.' •>. r • lion, unemployment compensation or'.disability benefits, law, or^underLany',tsihiilar,,law;]'.|j ,;,i ;,/ij "r\,: / ; •', , , ','•:} f|C. to bodily injury to .any. employee; of ..the''insured arising put of and ^rl" the. course jof his employment by the insured, but *° bodily injury to .any. employee; of ..the'' insured arising put of and ^rl" the. course jof his employment by the insured, but 'this exclusion docs not 'apply -to any .such injury .arising out of and, ih:'the'.course-!of ddlnestic employment by the insured. i .., unless benefits thereof are in whole or in part either payable or required ',to be provided under any workmen's compensa-1, - tion iaw;: , ! *'?$;,:.,;•/& .;l,!.f ;, i" \^:* ,.?• '..(,; •^,^^;v^;f!^ i^^;!;;- :;i ^; ;/5j:;, 'f v . : , ;. ': d. to property damage to (l).property .pwiicd or being transported 'by, the imsujedi or (2). property .rer^tcd.to or in the care,' • 1 1 custody and control >'p( the insured,. or.jas ib which the Insured is|for'san)*. • ^lirpos'e'. exercising pnysica|( control, other than property. damage to a; resident - . ( e to |a; resident or. a private garage, by a private pass_ei)gerj automobile .covered by^this jnsurance. RED '-.V$S4': &fW ;! ;' ;-' '" '^, ^(^i^K^ji^ }{''$"&'*?:• '$ ] « •'. '' ': II. PERSONS INSURED of 2 b. any partner 01 executive officer of the named insured. None of the following is an insured: ' • ' ' . . i ' a. any person engaged in the business of his employer with respect to bodily injury to any fellow employee of such person injured in the. course of his employment; b. any partner or executive ofTiccr with respect lo an automobile owned by such partner or officer or a member of his household; ' ' . ; ' .'.'• '; ' • ' ] c. any person while operating an automobile sale? agency, repair shop, service station, public garage or public parking space with respect to any occurrence arising out of any operation thereof but Ibis exclusion does not apply to the named insured. This insurance does not apply to bodily injury or property damage arising out of a non-owned automobile, used in the conduct of any partnership or joint venture of which the'-.insured is a partner or a member and which is not designated in this policy as named insured, or if the named insured is a partnership an automobile owned by or registered in the name of a partner thereof. : . i ' , • , . I ,*. LIMITS OF LIABILITY c . ,. ' '.. - \ • ' • . ' , ." • Regardless o! the number of ('!)' insurcds under this policy, (2) persons or organizations who sustain bodily injury or property damage, (3) claims made or suits brought on account of bodily injury or property damage or (4) automobiles to which this vo'iry applies, the Company's liability is limited as follows: , The limit of bodily injury liability stated in the schedule as applicabl- to "each person" is the limit of the Company's liability for all damages because of bodily injury sustained by one person as a result of any one occurrence; but subject to the above provision respecting "each person", the total liability of the Company for all damages because of bodily injury sustained by .two or more persons as a result of any one occurrence shall not exceed the limit of bodily injury liability stated in the schedule as applicahlc (o ."each occurrence". The total liability of the Company for all damages because of all property damage sustained by one or more persons or organizations as the result of any one occurrence shall not exceed the limit of properly damage .liability stated in the schedule as applicable to "each occurrence". For the purpose of, determining the limit of the Company's liability, all bodily injury and property damage arising out of continuous 01 . :pcatcd exposure to substantially the same general conditions shall be considered as arising out of one occurrence. ! . . .. ; • • • - . • - , , • - - . ' -' < to <>«.$.' IV. ADDITIONAL DEFINITIONS • ' . . . ' . . ' . When used in reference to this insurance: . "commercial autnr -bile" means an automobile of the truck type or other automobile designed for the transportation of material or merchandise over public roads; .• "non-owned automobile" shall mean an automobile not owned in whole or in part by, registered in the name of, hired by, leased by or loaned tn the named insured, or if the named insured is a partnership any partner therein; "private passenger automobile" mean a 4-whccl private passenger or station wagon type automobile; "trailer" includes semi-trailer but does not include mobile equipment. V. ADDITIONAL PROVISIONS' '' • . ' . ' • . ' ' .' ' Excess Insurance — Non-Owned'Automobiles . i This insurance shall be excess insurance over any other valid and collectible insurance available to the Insured. i .' - - i.. ' ' ' • • • I VI. OTHER PROVISIONS APPLICABLE TO THIS ENDORSEMENT a. The following provisions applicable to Section I and II of the policy arc applicable to this endorsement: War Risk Exclusion; Inspection and Audit; Cancellation; Subrogation; and paragraph (2) of Policy Period, Territory, b. The folli.v.'ing provisions applicable only to Section II arc applicable to Ibis endorsement: Supplementary Payments; Premium; Insurcd's Duties in the Event of Occurrence, Claim or Suit; Action Against the Company; Nuclear Exclu- sion; and Definitions — Section II. . | Foim MLl)-:22 (F.il. 10-66) 1 1 TUT 003 2.1.11 . I . , U .. . ./ (EU.7-6G) This endorsement modifies such insurance ag id afforded by the provisions of the policy relating to the following: ;!k;^Hv '^ ' :. ', : GARAGE INSURANCE %'•:;[" .,'• [. , { A6103 •&••-. U5E-OF OTHER .AUTOMOBILES COVERAE ' ' Name of Individual: I Robert Ramsay •Rita Ramsay, Nancy Ramsay Jane 'Cole • "''' • Laura Ramsay• •' ' Premium 1 • ' • •' Li^u"hf;:: ;,"•.' Properly ' ,'f ;i : Damage . ;' ;'.; i- * 'V • ' • Automobile Medical .. . Payments . AI.OO V;'-: •; • 205 l' ••'6.00 • 6.00 ;, e.oo • 6.00 6.00 5 5, 5, 5. 5. 00 00 00 00 00 25.00 , ; ' . :; /•.;, • ; ' • • -...-,; .. •..•• v - 1 ^ , : . total Premium $ 260.00 It is agreed that the insurance afforded by the policy with respect to the use of automobiles described in the Automobile Hazard also applies, . . M . . ' . . i ; . ( ( ' . . / . , : . , . ..'::- I•'( :•'•'•• '. • :' '••• • : • ; 'V.y; • ' • ' '•"{"'' ' .' • I, Under the bodily injury liability and property damage liability coverages, to bodily injury or property damage arising out of the use of any other automobile by the insured; • • .'•;.,'• s ', -i , ' ' , •' ~ • ••• ' .".;a" '.,>'• '•• *• »',''••'• • • ' . ' • • . : • ' ' • • ;{•..- M*'.-:./ . . C- II. Under the Automobile Medical Payments coverage')" to bodily'injury, caused by accident, to •'! ' • • : •;'#•"<•;"' • ••- ;l" (a) the individual named below and, while residents jbf the same household as such individ- . -ual, his spouse and the relatives of either, while occupying any other automobile, and ••- 1 • : ' 'i!^'].1-- ,'<•,.;• \:> (b) any other person occupying any other automobile, if the .bodily injury results from the operation of such automobile by such named individual or spouse or on their behalf by their private chauffeur or domestic servant, or. ffoni the',occupancy of such automobile by the 1, named insured or spouse, and . '.I'^Y'f!v; • ;' (c) such named individual and, while residents of Ahe same household as the named insured, his spouse and the relatives of either, sustained, while a pedestrian, through being struck by an automobile; - -•.-. •>..--ivi/i;:*'-''•• - ; . i . ' :t'^:-'-'''<; ": >!• ' • subject to the following additional provisions: ' :;{i'l:. ..;,!.' 1. As used with respect to paragraph I, "insured" means . ' ; • ' ' : • ' . ' • ; • (a) tlie individual named below or his spouse; if a resident of the same household, and (b) any other person or organization not owning or hiring the automobile, but only with , respect to his or its liability because of acts or omissions of an insured under (a) above. ';<.• • : 2. When used in reference to this insurance, the definition of "automobile" is amended to include only such trailers as are designed for use with a private passenger automobile if not being used for business purposes with ^another type automobile; but under the Automobile Medical Payments coverage, "automobile" does not include (i) a vehicle operated on rails or crawler-treads, , . , '• (ii) a farm type tractor or other equipment designed for use principally off public ! roads, while not upon public roads, . ,"': • -'I ; ; (iii) a home, office, store, display or passenger trailer, or (iv) any land motor vehicle or trailer while located,for use as a residence or premises. 3. Additional Definition When used in reference to. this insurance "private passenger automobile" means a four wheel private passenger or station wagon type automobile. /:;.". • 4. Exclusion (e) of the Garage Liability coverage does not'apply to the insurance afforded by this endorsement. ; .. ; ' ; ' Y . ;: ' " . ; 5. Exclusions ' • • • . . • • ' . ' " ; '••r^':V. ' '' ' ' 1 • ; > ' :' I ' ' V. -V^vV''..''. '•"':•''• ' This insurance does not apply: .'.';>;.-;'•' .; '• , (a) to any insured while engaged in the business of his employer with respect to bodily injury to a fellow employee of such insured injured in the course of his employment; (b) to any insured while employed in or otherwise engaged in duties in connection with ,the business or occupation of selling, repairing, servicing, storing or parking auto- mobiles; . • ' ' •.;;V;;. J;.', . . . . ' . .1 . (c) if the individual named below is an employee, ,to the employer of such individual; (d) if the individual named below is a partner, to the partnership of which such individ- ual is a member; .;'v; •, . ' • ; ' . . : (e) to any automobile owned by such named individual, his spouse or any resident of the same household other than a private chauffeur ^or domestic servant of such named individual or spouse; "i;'.'-; : (f) to any automobile while used in the business or.occupation of the named individual • or spouse except an automobile operated or'occupied by such named insured, spouse, '.private chauffeur or domestic servant; •;('.^ :•';;.;(':•• i' : (g) under the Automobile Medical Payments'coverage, to any automobile while being used by the insured as a public or livery conveyance; but this exclusion does not apply to bodily injury or property damage ::which results from the insured's occu- pancy of such automobile other than as the;operator thereof. ; 6. Excess Insurance The insurance under paragraph I shall be excess insurance over any other valid and collectible insurance available to. the insured. The: insurance under paragraph II shall be'excess insurance over any other valid and collectible Automobile Medical Payments insurance or Automobile Medical Expense insurance. • '}.<»[' •'.' •".';'; 7. The insurance afforded because of the naming..herein of any. individual is only with respect to such of the following coverages as are .indicated by specific premium charge or charges for such person. ;!', 2113 Limits of Liability :.- •- CONTINGENT EMPLOYERS'" LIABILITY : A,..- . . "STOP GAP" •':.'•. ; ( J l • • . . • • . ' • • . • i • ,••' •. • • \ I. SCHEDULE ;• •'.'• ,. • • ' • • ' • ;.;'-;. •••'••* ,:.'''••'•' ' • ' . ' " • "j .$; ' '•• ' 3QO' .000 each employee • • ;-•• ; ' : 'i.i | •; ' ; ' C ; - : - " ' 'i-. 000 each accident. ' '. | •; ;'CQQ-:- ,000 aggregate diseaxo . -. • Classification .of. Operations , - ' • • • • Code » . ,..,.v-..;4 . ..... on which rate is-bay.td<^''- • • • • • > -•-•>.• :, :'., ; ' ..' ' ' ,. ... ; Estimated ' ;- ••"Tplil' Annual •• >:>: Remuneration .'• '_ '(.i •- • ,';'; :-' ;'' /.'. * 'f ' i ' •' •. . V '/" -i -. i Rate Per SI 00 of.r' - " Remune.«»llort' : i • ' . • " • , •'.'" Estimated Annual • Premium -- Minimum' :r •:•««•••-•": Premium S. 25 . QQ . Deposit;-, . :• -..->• Total Eit!mated>.,»;^-.'-*V--- m.& 3L-S HQ Occupational Ills agreed that with respect to any employment by the Insured whichi comas under the .V/orkmeivs.Compensation or I .ional Disease Act of lhe'state(s) of (insert Name n/ iiai»f.«l' ___________;____... i._____________ (I) itisured has- complied with all the provisions of said act-or law; and (1) the Insured Is contributing to and will continue to contribute to • the^respscuve staie.i compensation, accidenVfor medical ^fund by declaring. to the department, commission or board prescribed <b> ..said act. or. taw;.. the remuneration; '-man hours" or pother r^qu^fed^basisi^of premium of all his employees whose employment Isiiubject. to-said1. act or law. • - • . ' • ' •'.•':^!^\'.:' .^:^',\ vj.< tr.-:f. '''••'•' ' . '• .• ', '* ' ' ' ' ' i' ' ' ' ' It Is further.agr.eed that the Company will pay on behalf of the Insured all sums which the insu.re.6 shall bocome obit- gated to pay as 'damages because of bodily Injury by accident or disease, 'Including death at any timo resulting therefrom, sustained In the Uhlted States of Amen ta;- -Its' territories or possessions, or in Canada, by any employee of the Insured described in this agreement, (paragraph I) of this endorsement;- arising 'out of and In th« course of his or her employment by . . , ' '.•'.' ' ' • ' • ' the insured. , ".•. ' ; i. Limits of Liability ,... - - • • .•-. . . ] ,•(. '..,".'. . ' . : • . The words "damages because-of bodily Injury by accident or disease. Including death at any time resulting therefrom", include damages for care and loss of services and damages for which the Insured Is liable by reasons of suits or claims brought against the insured by others to recover the damages obtained, from such others because of such bodily Injury sus- tained b^ employees of the insured arising out of and In the. course of their employment. ,, The limit of the Company's liability stated In the Schedule 'ii'^appllcabfe to "each emplbyee" is the limit of the Company's 'liability-, for all damages because- of '.bodily Injury by accident, lncludlrit!'«ieauV>t anytime resulting therefrom, — ~sti stained- by »" y one-emoloy.«a.ln.«in,yM>rio accidenvH .or^.liodUx. |n|ury:.hyi.dV.»Base. I nclualng.,death at..an.y.-time resulting ihere- ^.from, sustained by any ,oo«ixanploy.ee; the limit of,llabll\ty itoued.tn thc-Schedula as '"each accident'-' is, subject to the fore- gning provision respecting each employee, the total limit of the Compariy' i liability, for all damages because of bodl ly Injury by accident, Including death at any time resulting therefrom, sustained by two or more employees In any one accident; and the limit of liability stated In the Schedule asv"aggregate disease1',1!*. ' sub|ect to the foregoing provision respecting each _ employee, tho. total limit. of tl\e Company's liability for all damages because jif.bodlly Injury by disease. /including death at — any time resulting tlierefrom/ sustained by employees In the operations described' In the Schedule, j. ».;••"•••••• ; • • * • • • • • •' T°e inclusion herein o^ more than one insured shall-not operatetto^increase the limitt -of the-Company's liability. '' | ; II. DEFENSE; SETTLEMENT. SUPPLEMENTARY PAYMENTS-. - • As -respects the insurancetafforded :by.-.ihe.o*herr»erms ot.thi* endorsement. the>Company shalli -.., *•• ':' .. .T,« ii> (a) Defend any proceeding against the insured seeking such benefits ana any suit against the insured alleging such injury and seeking damaj»s bH account thereof; even if;'such proceeding' or SIM jrountV Ise '• '"Midulent; lit t the <~~-^-i^n" mny make such Investigation, negotiation and settlement of any c* %uit as ns r m; 211.4 (b) p'ay all p'rcmiums on both to release attachments for an amount not .In excess of the applicable limit of liability of this endorsement, all premiums on appeal bonds required In any such defended proceeding or suit, but without any obligation •3 apply for or furnish such bonds; :'.'v. ' (xrf pay all expenses Incurred by the Company, all costs taxed against the insured In any such proceeding or suit and all I interest accruing after entry of judgment until the Companx has paid or tendered or deposited in court such part of such I judgment as does not exceed the limit of the Companx's liability thereon; 1 . i '•,''•'••:•••• (d) reimburse the insured for all reasonable expenses, other than loss of earnings, incurred at the Company's request. The amounts incurred under this Insuring agreement, except settlements of claims and suits are payable by the Com- pany in addition to the amounts payable underline applicable limit of liability as describe'd herein. '. i '' *- III. EXCLUSIONS Such insurance as is afforded by this endorsement does not apply: • :••, .' (a) To bodily injury or death resulting therefrom caused intentionally by. or at the direction of the Insured; (b) .to liability assumed by the insured under any contractor agreement; , ' ;', ' ' < (c) to any obligation for which the Insured or any carrier as his Insurer may be held liable under any workmen's compensation or occupational disease law, any unemployment compensation or disability benefits law, or under any similar law; (d) to (I) punitive or exemplary damages on accountof bodily Injury,disease or death therefrom of any employee employed in violation of law, or (2) with respect to any employee employed In violation .of law with the knowledge or acquiescence of the insured or ony executive officer thereof; , , |.';'•'.; . . . . :••..' '• I : (e) to any claim brought against the Insured by or on behalf of any employee for bodily Injury or death resulting therefrom (I) If benefits therefor Under any workmen's compensation or occupational disease law are accepted by or on behalf of such employee or (2) with respect to which the Insured's defenses have been abrogated by reason of the Insured's failure lo comply with the provisions of any workmen's compensation or occupational disease law; : ', :• i ' (f) to bodily injury or death resulting therefrom (I) sustained by any member of .the flying crew of an aircraft, (2) sustained by a master or member of the crew of any vessel,(3) sustained by any employee of the Insured in the course of an employment subject to the Federal Employers' Liability Act, U. S. Code (1946) Title 45, Section 51-60; (4) sustained by any employee not described In th- agreements (paragraph I) of this endorsement, or (5) sustained by any emptoyeo whose remuneration has not been included in the total remuneration upon which the premium for this endorsement Is based; ^Tg) to bodily injury by disease or denth resulting therefrom unless prior to thirty-six months after the end of the policy period written claim Is made or suit is brought against the Insured for damages because of such Injury or death result- ing therefrom. '. . . . . . .. ..:; ,, . . . (h) to bodily injury by disease or death resulting therefrom unless benefits for this coverage are provided by a workmen's compensation fund. ' '.!,•'''• ' '. '. • ,t • ' . ' ;'•''. ' • ' . ' • • : ' ' • ' . ' ,. • - !"•' IV. DEFINITIONS^; V '.-, , ' ' • ' . " . ' . -n • I. Bodily Injury by Accident; Bodily Injury by Disease. .]-..'i'',:. , • • . . • • ** The contraction of disease Is not an accident within.the meaning of the word "accident" In the term "bodily injury by accident" and only such disease as results directly from a bodily'Injury by accident Is Included within the term "bodily injury by accident". The term "bodily Injury by disease" Includes only.such disease as Is not Included within the term "Bodily injury by accident". ' .•;>'{'..( .;. .. j •" • -"V- V' '•. ' ' ' • • • ' . • " ' 2. Assault and Dattcry. . . ' V^-^•''•' • , Assault and battery shall be deemed an accident unless committed by or at the direction of the Insured. . i./, ' '• _ : 3 . Application o f Endorsement. • ' , . ' • • • ' • • • ; . i f ! . 1 1 . This endorsement applies only to Injury (I) caused by accident occurring during the policy period, or (2) by disease caused or aggravated by exposure of which the last day of the last exposure. In the employment of the insured, to conditions causing the disease occurs during the policy period. •!••:' : .v. CONDITIONS./' , The "Insuring Agreements" ."Limits of Liability "and "En elusions" of the policy or which this endorsement, is made a part shall not apply to the insurance afforded by <filj endorsement. Otherwise all other terms and conditions of such policy, so far as the seme are not inconsistent v/ith the expressed obligations. of this endorsement, are hereby made a part of this endorsement as fully and completely as though written or printed herein:':- i . • ' . • . ' > ' ' V I . PREMIUM • • • • - . . In consideration of the. foregoing, the insured agrees to pay a piemlum based on the entire payroll during the term of this endorsement of a II employees reported to the state authority prescribed. 2115 •• ' '' • . .•''"•' <'';t'>' : '• • • PUNITIVE OR EXEMPLARY DAMAGES EXCLUSION AMENDATORY ENDORSEMENT, ' !•'••.'..'• i' • '..•"•,' • iL oo 01 (Ed. 11-77) ..-..^'"""'--iil™"'™"'"'"' oopyPMPLARY DAMAGES. • . • • ' . ' . - , . . . • . , ';.• ••;. .:••/.:••: ••-:';,: • It 00 01 (Ed,H-77), ^;.-;| • ; •.', > ;r.^'.-. .'-' m 3.1 ! 1 3 - 1 ' m Attoch All Forms And Endorsements Here "elevator" means any hoisting or lowering device to connect floors landings, whether or not in service, and all appliances thereof Includ- _x«g any car, platform, shaft, hoistway, stairway, runway, power equip- ment and machinery; but does not include an automobile servicing hoist, or a hoist without a platform outside a building if without mechanical power or if not attached to building walls, or a hod or material hoist used in alteration, construction or demolition operations, or an inclined conveyor used exclusively for carrying property or a dumbwaiter used exclusively for carrying property and having a compartment height not exceeding four feet. "incidental contract" means any written (1) lease'of premises, (2) easement agreement, except in connection with construction or demoli- tion operations on or adjacent to a railroad, (3) undertaking to Indemnify a municipality required by municipal ordinance, except In connection with work for the municipality, (4) sidetrack agreement, or 15) elevator maintenance agreement; • , "insured" means any person or organization qualifying as an Insured in the "Persons Insured" provision of the applicable Insurance coverage. The insurance afforded applies separately to each Insured,against whom claim is made or suit Is brought, except with respect to the limits of the company's liability; ' { . "mobile equipment" means a land vehicle (Including any machinery or apparatus attached thereto), whether or not self-propelled, (1) not subject to motor vehicle registration, or (2) maintained for use exclu- sively on premises owned by or rented to the named Insured, Including the ways immediately adjoining, or (3) designed for use principally oil public roads, or (4) designed or maintained for the sole purpose ol affording mobility to equipment, of the following types forming an In- tegral part of or permanently attached to such vehicle: power cranes, shovels, loaders, diggers and drills; concrete mixers (other than the mix-in transit type); graders,'scrapers, rollers and other road construc- tion or repair equipment; air-compressors, pumps and generators, In- cluding spraying, welding and building cleaning equipment; and geo- physical exploration and well servicing equipment; "named insured" means the person or organization named In Item 1. of the declarations of this policy; "named insured'! products" means goods or products manufactured, sold, handled or distributed by the named Insured or by others trading under his name, including any container thereof (other than a vehicle), but "named Insured': products" shall not include a vending machine or any property other than such container, rented to or located for use of others but not sold; "occurrence" means an accident, including continuous or repeated exposure to conditions, which results in bodily Injury or property damage neither expected nor Intended from the standpoint of the insured; "policy territory" means: (1) the United States of America, Us territories or possessions, or Can- ada, or i.v .'.-•• • • • . • (2) international waters or air space, provided the bodily Injury or prop- . erly damage does not occur in the course ol travel or transportation to or from any other country, state or nation, or (31 anywhere In the world with respect to damages because of bodily Injury or property damage arising out of a product which was sold for use or consumption within the territory described in paragraph • (1)'above, provided the original suit for such damages Is brought within such territory; (•<•• -:. • i "products hazard" Includes bodily Injury and property damage arising out of the named insured'! products or reliance upon a representation or warranty made at any lime with respect thereto, but only if the bodily Injury or property damage occurs away from premises owned by or rented to the named Insured and after physical possession of such prod- ucts has been relinquished to others; • "property damage" means (1) physical injury to or destruction of tangi- ble property which occurs during the policy period, including the loss of use thereof at any time resulting therefrom, or (2) loss of use ol tangible properly, which has not been physically Injured or destroyed provided such loss of use Is caused by an occurrence during the policy period. . CONDITIONS 1. Premium All premiums for this policy shall be computed In ac- cordance with the company's rules, rates, rating plans, premiums and minimum premiums applicable to the Insurance afforded herein. • : : :: • . , . • Premium designated in this policy as "advance premium" Is a deposit premium only which shall be credited to the amount of the earned pre- mium due at the end of the policy period. At the close of each period (or part thereof terminating with the end of the policy period) designated in the declarations as the audit period the earned premium shall be com- puted for such period and, upon notice thereof to the named Insured, shall become due and payable. If the total earned premium for the policy period is less than the premium previously paid, the company shall return to the named Insured the unearned portion paid by the named insured. ' .1 ; ! . • • • • . •• , ; The named insured shall maintain records of such information as Is necessary for premium compulation, and shall send copies of such records to the company at the end ol the policy period and at such times during the policy period as the company may direct. 2. Inspection and Audit The company shall be permitted but not obli- gated to inspect the named Insured'! property and operations at any time. Neither the company's right to make in- • spections nor the making thereof nor any report thereon shall constitule an undertaking, on behalf of or for the benefit of the named Insured or others, to determine or warrant that such property or operations are safe or healthful, or are in compliance with any law, rule or regulation. The company may examine and audit the named Insured'; books and records at any lime during the policy period and extensions thereof and within three years alter the final termination of this policy, as far as they relate to the subject mailer ol this insurance, i 3. Financial Responsibility Laws When this policy is certified as proof of financial responsibility tor the fu- ture under the provisions of any motor vehicle financial responsibility law, such insurance as is afforded by this policy for bodily injury lia- bility cr lor property damage liability shall comply with the provisions of such law lo the extent ol the coverage and limits of liability required by such law. The insured agrees to reimburse the company for any pay- men( made by the company which it would not have been obligated to make Under the terms of this policy except lor the agreement contained In this paragraph. . .." 4. • Insured'; Duties In the Event ol Occurrence, Claim or Suit (a) ,ln the event of an occurrence, written notice containing particulars sufficient to Identify the Insured and also reasonably obtainable Information with respect to the time, place and circumstances : • thereof, and the names and addresses of the injured and of availa- 1 ble witnesses, shall be given by or for the insured to the company • 'n:'-br any of Its authorized agents as soon as practicable. : r'.-'i .fit" -!i • ••••(-.. • i (b),; II claim Is made or suit is brought against the Insured, the insured •••;:,Shall'immediately forward to the company every demand, notice, .'.,,,summons or other process received by him or his representative. (c) 'The Insured shall cooperate with the company and, upon (he com- pany's request, assist In making settlements, in the conduct of -•suits and In enforcing any right ol contribution or indemnity against , ''any person or organization who may be liable to the insured be- • "cause1 of. Injury or damage with respect lo which insurance is i afforded under this policy; and the Insured shall attend hearings and 1 'trials and assist In securing and giving evidence and obtaining the : • attendance of witnesses. The Insured shall not, except at his own • : ''Cost, voluntarily make any payment, assume any obligation or incur '• any expense other than for first aid to others at the time of accident. . •..i;,{^ •).•!••'•••! ' . : 5.. Action Against Company No action shall lie against the company fivi';V.-.'•.•• I'-. -., unless, as a condition precedent thereto, there shall have been lull compliance .with all ol the terms ol this policy, nor until, the amount of the insured's obligation to pay shall have been'finally determined either by judgment against the insured alter actual trial or by written agreement of the Insured, the claimant and the company. •. •• . Any'person or organization or the legal representative thereof who has Secured such judgment or written agreement shall thereafter be entitled lo recover, under this policy lo the extent of the insurance afforded by this policy. No person or organization shall have any right under this policy to join the company as a party to any action against Cl 67901C Poge 3 ?-:nsured to dctcrmini. Hie insuuu : .:.!3ilily, nor •. !hc company ; iir.pleaded by the insured or his legal representative. Bankruptcy ori ;o> o( the insured or of the insured's estate, shall not relieve c i /of any of its obligations hereunder. Othef Insurance The insurance afforded by this policy is primary insurance, except when stated to apply in excess. or contingent upon the absence of other insurance.' When this in- irance is primary and the insured has other insurance which is stated i be applicable to the loss on an excess or contingent basis, .the, nount of the company's liability under this policy shall not be reduced y the existence of such other insurance. . , '',' ..• .', V .-V;!, i When both Ihis insurance and other insurance apply to the loss on le same basis, whether primary, excess or contingent, the company hall not be liable under Ihis policy .for a greater proportion of the loss- han that stated in the applicable contribution provision below: ••, ' .,> j) Contribution by Equal Shares. II all of such other valid and col-', lectible insurance provides for contribution by equal shares, the- company shall not be liable tor a greater proportion of such loss, than would be payable if each insurer contributes an equal.share, until the share of each insurer equals the lowest applicable limit of liability under any one policy or the full amount of the loss |s • paid, and with respect to any amount ol loss not so paid the re- maining insurers then continue to contribute equal shares ol the remaining amount of (he loss until each such insurer has paid its limit in lull or the full amount of the loss is paid. .1 • | v (b) Contribution by Limits.1 If any of such other insurance does'not provide for contribution by equal shares, the company shall hot' be liable for a greater proportion ol such loss than the applicable limit of liability under this policy for such loss bears to the total applicable limit of liability of all valid and collectible insurance, against such loss. , . - • , ' • , . ' . •. V-fr'• 7. Subrogation In the event of any payment under'this policy!'.the company shall be subrogated to all the insured's rights of recovery therefor against any person or organization and" the insured shall execute and deliver instruments and papers and do whatever'else is necessary to secure such rights. The Insured shall do nothing alter loss to prejudice such rights. . ' ; • ' "'V'.; anges Notice to any agent or knowledge possessed by any agent ^__^, or by any other person shall not effect a waiver.or a change in any part of this policy or estop the company Irom asserting any right under the terms ol this policy; nor shall the terms ol this policy be waived or changed, except by endorsement issued to form a part of this policy. , 9. Assignment Assignment ol interest under this policy shall not bind the company until its consent is endorsed here- on; if, however, the named insured shall die. such insurance as is af- lorded by this policy shall apply (1) to the named insured's legal repre- sentative, as the named insurer], but only while acting within the scope of his duties as such, and (2) with respect to the property of the named insured, to the person having proper temporary custody'thereof, as in- sured, but only until the appointment and qualification of the legal representative. j •'. • j , . , 10. Three Year Policy If this policy is issued lor a 'period of three years any limit ol the company's liability stated In this policy as "aggregate" shall apply separately to each consecutive annual period thereof. ' . ". • ,' '. 11. Cancellation This policy may be cancelled by the named insured by surrender thereof to the company or any of its authorized agents or by mailing to the company written notice slating when thereafter -the cancellation shall be effective. This policy may be cancelled by the company by mailing to the named Insured at the ad- dress shown in this policy, written notice stating when not less than ten days thereafter such cancellation shall be effective. The mailing ol notice as aforesaid shall be sufficient proof of;notice. The time ol sur- render or the effective date and hour of' cancellation stated in the notice shall become the end of the policy period. Delivery of such written notice either by the named Insured or by the company shall be equivalent to mailing.. . , II the named insured cancels, earned premium shall be computed in accordance with the customary short rale table and procedure. II the company cancels, earned premium shall be computed pro rata. Premium adjustment may be made either at the time cancellation is effected or as soon as practicable after cancellation becomes effective, but payment or tender ol unearned premium is not a condition of cancellation. !' : • :' |. I,.'. , ' '•• ' i. 12. Declarations By acceptance of ithis policy, '.the named Insured . agrees that the statements in the declarations are his agreements and representations, that this policy is issued in reliance upon the truth of such representations and that this'policy embodies all agreements existing between himself and .the company or any of its agents relating to this Insurance. . In Witness Whereof, the company has caused this policy to be executed and attested, but this policy shall not be valid unless countersigned on the declarations page by a duly authorized representative ol the company. . • : Pretidtnt/V.S. Mantgtr CANCELLATION CONDITION—AMENDMENT OF FIRST PARAGRAPH , : Applicable to policies issued or delivered in Michigan ' . ' ', • • - . . • ' )('•'• :' : - ' ' ' It is agreed that wilh respect to the ^'Cancellation" provisions of the policy! ' ' : 1. The words "at the address shown in this policy", appearing in the first paragraph ol the "Cancellation" Condition, are amended lo fead "at his address last known to the company or its authorized agent'.,:•;. • f . . . . i : I 2. The provisions (if forming a part of the policy) of the endorsement entitled "Amendment of Termination Provisions (Michigan)" apply as stated therein. 3. The provisions, if any, forming a part of the policy which (by endorsement or otherwise) amend the "Cancellation" provisions ol the policy other than as stated or designated in this endorsement are deleted. T . ' ' • • ' • ' . . A 0002 : ' G 503 CL 47901C Poge 4 ^ i 18 A STOCK COMPANY POLICY NUMBER: GAL 5001453 1\ •RAMSAY MOTORS} HOLIDAY RENT A CAR ': •AND R &R PROPERTIES, INC. A.T.I.IH '..405 ANNA'S RETREAT •ST THOMAS ;.•; . •USYI OQ801_____\________________L •SEPTBMRKR 20,1HBfrSEPTEMBER ?n t NAME 0.-' INSURED 'ANTILLES INSURANCE, INC. 'P.O. BOX 2698 'ST THOMAS Tt.ciVT nn«m J .JRESS GENERALS-AUTOMOBILE LIABILITY POLICY APIA K^00172 __ :" WO«LOWIOeINSURANCE APIA, founded in 1918, is the leading association of American capital stock insurance com- panies providing Fire, Marine and Casualty insurance protection and surety bonding outside the states of the United States of America and the provinces of Canada. It operates in almost 80 coun- tries with over 200 branches in key cities around the globe. ... AFIA's Branch office in the Virgin Islands: Palm Passage, Suites No. B23-26 24 Dronningens Gade St. Thomas, U.S. Virgin Islands 00801 APIA Worldwide headquarters: 1700 Valley Road, Wayne, New Jersey, USA, 07470 TUT 003 2119 (A stock insurance company, herein called the .company) Jerv.. of the payment of the premium, in reliance upon the statements In the declarations made a part hereof and subject to all of the terms of this policy, vithTJie named insured as follows: , '.• , ompany will pay, in addition to the applicable limit of liability: expenses incurred by the company, all costs taxed against the Insured uit defended by the company and all Interest on the entire amount of any t therein which accrues after entry of the Judgment and before the com- s paid or tendered or deposited In court that part of the judgment which t exceed the limit of the company's liability thereon; emiums on appeal bonds required in any such suit, premiums on bonds to attachments in any such $uit for an amount not in excess of the applicable liability of this policy, and fhe cost of bail bonds required of the Insured because of accident or traffic law violation arising out of the use of any vehicle to which this policy applies, not to exceed $250 per bail bond, but the company shall have no obligation ,to apply for or furnish any such bonds; (c) expenses incurred by the Insured for first aid to others at the lime of an accident, for bodily Injury to which this policy applies; ( (d) reasonable' expenses Incurred by the Insured at the company's request In assisting the company in the Investigation or defense of any claim or suit. Including actual loss of earnings not to exceed $25 per day. used in this policy (including endorsements forming a part hereoO: imobile" means a land motor vehicle, trailer or semitrailer designed for on public roads (including any machinery or apparatus attached thereto), is not include mobile equipment; ily injury" means bodily injury, sickness or disease sustained by any person occurs during the policy period, including death at any lime resulting 3m; lapse hazard" includes "structural property damage" as defined herein and y damage to any other property at any lime resulting therefrom. "Structural y damage" means the collapse of or structural injury to any building or re due to (1) grading of land, excavating, borrowing, filling, back-filling, . ing. pile driving, cofferdam, work, or caisson', work or (2) moving, shoring, inning, raising or demolition of any building or'structure or removal or re-, g of any structural support thereof.:The-collapse hazard does not'Include • ty damage (1) arising out of operations performed for the named Insured by ndent contractors, or (2) Included: within'the;completed operations hazard underground property damag^ hazard,'or (3) for which liability is assumed • ins"red under an incidental contract; !• .'• .,''! •••.•.' • I t:: ': : ' : ; - : " ! , '' mk operations hazard" includes bodily Injury and property damage arising [ o>»«rtions or reliance upon a representation or warranty made at any time espect thereto, but only if the bodily Injury or property damage occurs after operations have been completed or abandoned and occurs away from premises 1 by or rented to the named Insured. "Operations"' include materials, parts uipment furnished in connection therewith. Operations shall be deemed com- 1 at the earliest of the following times: '• '-•/ hen all operations to be performed by or on behalf of the named Insured under c contract have been completed, ' ' iiji. , hen all operations to be performed by or on behalf of the named Insured at e site of the operations nave been completed, or . len the portion of the work out of which1 the Injury or damage arises has :cn put to its intended use by any person or organization other than another mlractor or subcontractor engaged In performing operations for a principal a part of the same project. |' ..> ;;•' ' :rations which may require further service or maintenance work, or correc- repair or replacement because of any defect or deficiency, but which are wise, complete, shall be deemed completed. . ft r-f.:!:!/.>. '', < - . . - • • a':campl»l»d operations, hazard does not Include bodily Injury or property dam- arising o u t ' o f • • • • • • ' • : • !•{; ; r:i3" :;"!ii: '1iJ;r.'" , • ' ' • ' ' - - - • • • pl t (a) operations In connection with the transportation of property, .unless the bodily Injury or property damage arises out of a condition In or on a vehicle created by the loading or. unloading thereof, (b) the existence of tools, uninstalled equipment or abandoned or unused materials, or '•-.'',... , . (c) operations for which the classification stated In the policy or In the company's manual specifies "Including completed operations"; "elevator" means any hoisting or lowering device to connect floors or landings, whether or not In service, and all appliances thereof including any car, platform, shaft, hoistway,- stairway, runway, power equipment and machinery; but does not Include an.automobile servicing hoist, or a hoist without a platform outside a build- ing If without mechanical power or If not attached to building walls, or a hod or material hoist used In alteration, construction or demolition operations, or an Inclined conveyor used exclusively for carrying property or a dumbwaiter used exclusively for'carrying property and having a compartment height not exceeding four feet; '. '.'.'. •.'>•_ , \j . • '• ' : "explosion hazard" Includes properly damage arising out of blasting or ex- losion. The explosion hazard does not Include properly damage (1) arising out of .lie explosion of air or steam vessels, piping under pressure, prime movers, ma- chinery or power transmitting equipment, or (2) arising out of operations performed for the named-Insured by Independent contractors,'or (3) Included within the completed operations hazard or the underground property damage hazard, or (4) for which liability Is assumed by the insured under an Incidental contract; "Incidental,contract" means any written (1) lease of premises, (2) easement agreement, except In connection with construction or'demolition operations on or adjacent to a •railroad, (3) undertaking lo indemnify a municipality required by municipal ordinance, except in connection with .work for the municipality, (4) sidetrack agreement, or (5) elevator malntenance!agreement; "Insured", means any person or organizationtqualifying as an insured In the "Persons Insured" provision of the applicable .Insurance coverage. The insurance afforded applies'separately to each insured against whom claim is made or suit Is brought, except, with respect to the limits of the company's liability; "mobile equipment" means a land vehicle (Including any machinery or apparatus attached thereto), whether or not self-propelled, (1) not subject to motor vehicle registration, orj(2),maintained for. use,exclusively on premises owned by or rented to the named;Insured;'Including the ways Immediately adjoining, or (3) designed for use principally;. off public roads, or (4) designed or maintained for the sole purpose of-affording-mobility to equipment of the following types forming an . •.•:nr-navarl*t*i:»*t*"t*#.-'h-r'••-.••• ! • • • ! • ; . -: ; ..Ml UUblCdl ,.cs of America. 3) applies only . v - . fissionable-material; •;,•:',';,, :;jX t: ; '•• ;\ • "property r)amage:'_ Includes all forms of radioactive conta 1 GENERAL-AUTOMOBILE ' • ' - 'LIABILITY POLICY PROVISIONS PART ONE "LIT Insert Declarations Page (Part Two) and Coverage rums>/ ncm au .,i^. ^K ~-a- _ . . . . _ ^ oolicy number to appear through window. ATTACH ENDORSEMENTS, IF ANY, TO TOP BACK OF DECLARAI nteWpart of or permanently attached to such vehicle: power cranes, shovels, oaders, diggers and drills; concrete mixers (other than the mix-ln-transit type); graders, scrapers, rollers and other road construction or repair equipment; air- :ompressors, pumps and generators, Including spraying, welding and building cleaning equipment; and geophysical exploration and well servicing equipment; "named insured" means the person or organization named in Item 1. of the declarations of this policy; "named Insured's products" means goods or products manufactured, sold, handled or distributed by the nameJ insured or by others trading under his name, Including any container thereof (other .than,.a vehicle), but "named Insured's products" shall not include a vending machine or. any properly other than such container, rented to or located for use of others,but not sold; "occurrence" means an accident, including continuous or repeated exposure to conditions, which results in bodily Injury or properly damage neither expected nor intended from the standpoint of the insured; ; , • "policy territory" means: ! '' ' ; '' (1) the United States of America, its territories or possessions, or Canada, or (2) international waters or air space, provided the bodily Injury or property damage does not occur in the course of travel or transportation to or from any other country, state or nation, or (3) anywhere in the world with respect to damages because of bodily Injury or property damage arising out of a product which was sold for use or consump- tion'within the territory described In paragraph (1) above, provided the original suit, for such damages is brought within such territory; "products hazard" includes bodily Injury and property damage arising out of the named Insured's products or reliance upon a representation or warranty made at any time with respect {hereto, but only If the bodily Injury or property damage occurs away'from premises owned by or rented to the named Insured and after physical possession of such products has been relinquished to others; ."property damage" means (1) physical Injury to or destruction of tangible property .which occurs during the policy period, Including the loss of use thereof at any time resulting therefrom, or (2) loss of use of tangible property which has not beert physically Injured or destroyed provided such loss of use Is caused by an occurrence during the policy period; : "underground property damage hazard" Includes underground property damage as defined herein and property damage to any other property at any time resulting therefrom. ."Underground property damage means property damage to wires, conduits, pipes, mains, sewers, tanks, tunnels, any similar properly, and any apparatus In connection therewith, beneath the surface of the ground or water, caused by and occurring during the use of mechanical equipment for the purpose of grading land, paving, excavating, drilling, borrowing, filling, back-filling or pile driving. The underground property damage hazard does not Include properly damage (1) arising out of operations performed for the named Insured by independent con- tractors,: or (2) Included within the completed operations hazard, or (3) for which liability Is assumed by the Insured under an Incidental contract. 1. Premium. All premiums for this policy shall be computed in accordance with the company's rules, rates, rating plans, premiums and minimum premiums applicable to the insurance afforded herein. -V • Premium designated in this policy as "advance premium" is a deposit premium only which shall be credited to the amount of the earned premium due at the end of the policy period. At the close of each period (or part thereof terminating with the end of the policy period) designated in the declarations as the audit p the earned premium shall be computed for such period and, upon notice I to the named Insured, shall become due and payable. If the total earned prwujm for the policy period is less than the premium previously paid, the com- pany shall return to the named Insured the unearned portion paid by the named Insured. , ' . •'•'{ • . ' The named insured shall maintain records; of such information as Is necessary for premium computation, and shall send copies of such records to the company at the end of the policy period and at such times during the policy period as the company may direct. • 2- Inspection and Audit. The company shall be permitted but not obligated to inspect the named Insured's property and operations at any time. Neither the com- pany's right to make inspections nor the making thereof nor any report thereon shall constitute an undertaking, on behalf of or for the benefit of the named Insured or others, to determine or warrant that such property or operations are safe or healthful, or are in compliance with any law, rule or regulation. The company may examine and audit the named Insured's books and records at any lime during the policy period and extensions thereof and within three years after the final termination of this policy, as far as they relate to the subject matter of this insurance. . • >, • „ 3. Financial Responsibility Laws. When this policy is certified as proof of financial responsibility for the future under the provisions of any motor vehicle financial responsibility law, such insurance as is afforded by this policy for bodily injury liability or for property damage liability shall comply with the provisions of such law to the extent of the coverage and limits of liability required.by such law. The insured agrees to reimburse the company for any payment made by the com- pany which it would not have been obligated to make under the terms of this policy except for the agreement contained in this paragraph. 4. Insured's Duties in the Event of Occurrence, Claim or Suit. (a) In the event of an occurrence, written notice containing particulars sufficient to identify the insured and also reasonably obtainable information with respect to the time, place and circumstances thereof, and the names and addresses of the injured and of available witnesses, shall be given by or for the insured to the company or any of its authorized agents as soon as practicable. • • • fb) If claim is made or suit is brought against the Insured, the Insured shall im- mediately forward to the company every demand, notice, summons or other process received by him or his representative. ic) The insured shall cooperate with the company and, upon the company's request, assist in making settlements, in the conduct of suits and In enforcing any right of contribution or indemnity against any person or organization who may be liable to the Insured because of Injury or damage with respect to which insurance is afforded under this policy; and the insured shall attend hearings and trials and assist in securing and giving evidence and obtaining the attendance of witnesses. The insured shall not, except at his own cost, .voluntarily make any payment, assume any obligation or incur any expense other than for first aid to others at the time of accident. 5- Action Against Company. No action shall lie against the company unless, as a condition precedent thereto, there shall have been lull compliance with all of the terms of this policy, nor until the amount of the insured'! obligation to pay shall have been finally determined either by judgment against the Insured after actual trial of by.written agreement of the Insured, the claimant and the company. Any person or organization or the legal representative thereof who has secured such judgment or written agreement shall thereafter be entitled to recover under this policy, to the extent of the Insurance afforded by this policy. No person or organization shall have any right under this policy to join the company as a party to any action against the insured to determine the insured's liability, nor shall the company be .impleaded by the Insured or his; legal representative. Bankruptcy or Insolvency of the insured or of the Insured's estate shall not relieve the company of any of Its obligations hereunder. < • 6- • Other insurance. The insurance afforded by this policy Is primary insurance, except when stated to apply in excess of or contingent upon the absence of other Insurance. When this insurance is primary and the Insured has other insurance which Is slated to be applicable to the loss on an excess or contingent basis, the amount of. the company's liability under this, policy shall not be reduced by the existence of such other insurance. When both this insurance and other insurance apply to the loss on the same basis,: whether primary, excess or contingent, the company shall not be liable under,this .policy for a greater proportion of the loss than that staled in the applicable contribution provision below: (a) Contribution by Equal Shares. If all of such other valid and collectible insur- • .; ance provides for contribution by equal shares, the company shall not be liable for a greater proportion of such loss than would be payable if each Insurer contributes an equal share until Ihe share of each Insurer equals • the lowest applicable limit of liability under any one policy or the full amount of the loss Is paid, and with respect to any amount of loss not so paid Ihe remaining insurers then continue to contribute equal shares of the remaining ' amount of the loss until each such insurer has paid its limit in full or the full amount of the loss Is paid. (b) Contribution by Limits. If any of such other insurance does not provide for contribution by equal shares, the company shall not be liable for a greater 'proportion of such loss than the applicable limit of liability under this policy • ,. for such loss bears to the total applicable limit of liability of all valid and collectible insurance against such loss. 7- Subrogation. In the event of any payment under this policy, Ihe company shall be subrogated to all the insured's rights of recovery therefor against any person or organization and Ihe Insured shall execute and deliver instruments and papers and do whatever else Is necessary to secure such rights. The insured shall do nothing after loss to prejudice such rights. 8- Changes. Notice to any agent or knowledge possessed by any agent or by any other person shall not effect a waiver or a change in any part of this policy or estop the company from asserting any right under the terms of this policy; nor shall the .terms of this policy be waived or changed, except by endorsement issued to form a part of this policy, signed by a duly authorized representative of the company. 9-; Assignment. Assignment of Interest under this policy shall riot bind the company until its consent is endorsed hereon; if, however, the named Insured shall (3) 003 212.1. such insurance as is afforded by this policy shall apply (1) to the named cti'3 legsl rcpicscnlative, as the named Insured, but only while acting within scope of his duties as such, and (2) with respect to the property of the d Insured, to the person having proper temporary custody thereof, as Insured, inly until the appointment and qualification of the legal representative. T Year Policy. If this policy is Issued for a period of three years any company's liability stated In this policy as "aggregate" shall apply each consecutive annual period thereof. •' Cancellation. This policy may be cancelled by the named insured by surrender ;of to the company or any of its authorized agents or by mailing to the company en notice stating when thereafter the cancellation shall be effective. This y may be cancelled by the company by mailing to the named Insured at the ess shown in this policy, written notice stating when not less than ten days waiter such cancellation shall be effective. The mailing of notice as aforesaid shall be sufficient prpot of notice. The time of surrender or the effective dale and hour of cancellation staled In the notice shall become the end of the policy period. Delivery of such written notice either by the named insured or by the company shall be equivalent to mailing. ' If the named Insured cancels, earned premium shall be computed in accordance with the customary short rate table and procedure. If the company cancels, earned premium shall be computed pro rata. Premium adjustment may be made either at the time cancellation is effected or as soon as practicable after cancellation be- comes effective, but payment or tender of unearned premium Is not a condition of cancellation. 12- Declarations. By acceptance ot this policy, the named Insured agrees that the statements.In the declarations are his agreements and representations, that this policy Is issued In reliance upon the truth of such representations and that this policy' embodies all agreements existing between himself and the company or any of its' agents relating to this Insurance. IN WITNESS WHEREOF, the company has caused this policy to be signed by its duly authorized representative. lis endorsement modifies the provisions of the policy relating to ALL AUTOMOBILE LIABILITY, GENERAL LIABILITY AND MEDICAL PAYMENTS INSURANCE OTHER THAN JMPREHENSIVE PERSONAL AND FARMER'S COMPREHENSIVE PERSONAL INSURANCE. JliaUUty. £*ubvUe»te*tt- -BlotuL I. ; agreed that: The policy does not apply: A. Under any Liability Coverage, to bodily Injury or property damage (1) with respect to which an insured under the policy is also an insured under a nuclear energy liability policy Issued by Nuclear Energy Liability isurance Association, Mutual Atomic Energy Liability Underwriters or jclear Insurance Association of Canada, or would be an Insured under •- — -any such policy but for Its termination. upon exhaustion of Its limit of liability; or ! : (2) resulting from the hazardous properties of nuclear material and with respect to which (a) any person or organization is required to maintain financial protection pursuant to the Atomic Energy Act of 1954, or any law amendatory thereof, or (b) the Insured is, or had this policy not been issued would be, entitled to indemnity (rom the United Stales of America, or any agency thereof, under any agreement entered Into by the United States of America, or any, agency thereof, with any person or organization. ' ' . '. ' : < ' .. B. Under any Medical Payments Coverage, or under any Supplementary Pay- ments provision relating to first aid, to expenses incurred with respect to bodily injury resulting from the hazardous properties of nuclear material and arising out of tne operation of a nuclear facility by any person or organization. . • • ' ; C. Under any Liability Coverage, to bodily Injury or property damage resulting from the hazardous properties of nuclear material, if (1) the nuclear material (a) is at any nuclear facility owned by, or operated by or on behalf of, an insured or (b) has been discharged or dispersed therefrom; ' • (2) the nuclear material is contained in spent fuel or waste at any time possessed, handled, used, processed, stored, transported or disposed of by or on behalf of an insured; or .. - ; , (3) the bodily injury or property damage arises out of the furnishing by an insured of services, materials, parts or equipment in connection with the planning, construction, maintenance, operation or use of any nuclear facility, but if such facility is located within the United States of America. its territories or possessions or Canada, this exclusion (3) applies only to .property damage to such nuclear facility and any property thereat. . As used In this endorsement: "hazardous properties" include radioactive, toxic or explosive properties; "nuclear material" means source material, special nuclear material or byproduct material-' ' . , ; • ; ' ' "source material", "special nuclear maUrial",<and "byproduct material" have the meanings given them in the Atomic Energy Act of 1954 or in any law amendatory thereof; ' • ' • • • ' • • i • , "spent fuel" means any fuel element or fuel component, solid or liquid, which has been used or exposed to radiation in a nuclear reactor; "waste": means any waste material (1) containing byproduct material and (2) re- sulting from the operation by any person or organization of any nuclear facility Included 'within the definition of nuclear facility under paragraph (a) or (b) thereof; ,=. ' 1 : . • • ' , . • "nuclearfacility" .means ..!' ' ; (a) any nuclear reactor, (b) any equipment or device designed or used lor (1) separating (he isotopes of: Uranium or plut^i'im, (2) processing or utilizing spent fuel, or (3)., handling, processing or packaging waste, (c) any.equipment or device used for the processing, fabricating or alloying of-special nuclear material If at any time the total amount of such 1 material In the custody of the Insured at the premises where such equipment or device is located consists of or contains more than 25 ' grams of plutonlum or uranium 233 or any combination thereof, or more ' than 250. grams of uranium 235,' ' (d) any structure, basin, excavation, premises or place prepared or used for the storage or disposal of waste; and includes the site bn which any of the foregoing is located, all operations conducted on such site and all premises used for such operations; "nuclear.reactor"-means any .apparatus designed or used to sustain nuclear fission-In a sell-supporting chain reaction or, to contain a critical mass of fissionable material; ' ; ' ' ' ; j ' "property damage" Includes all torms of radioactive contamination of property. ' ' ' 9/18/81 GAL 5001074 '-? ' .-, :; .j GENERAL—AUTOMOBILE LIABILITY POLICY '• Part Two. 1his; Declarations page and Coverage Part(s) with "Policy Provisions-Part One" completes the below numbered <en 1. 2. n ' DECLARATIONS POLICY NUMBER QAL ; A/ n -RAMSAY MOTORS; HOLI1 l\j j \M . / • A wn D fc D T)Dr^m?t?rPTTP< • Jianied Jr/i4ured . ^ R.^ROPERTIE, ADDRESS: -ST THOMAS v..;; (Number & Street, Town & Zip No.) 'TJSVI 00801 Policy Period: JI'"HNViT*Kii'« "ATM «1u " From: 'SEPTEMBER . '2 0 5001453 DAY RENT A CA 3, INC. A.T.I R • .MA. . 19R1°' SEPTEMBER ?.n . 1982 REPRESENTATIVE-' Agent or Broker "ANTILLES '.INSURANCE , INC. ' ;' :; ; Office Address -p.O. BOX 2698 • - ' • ' Town -ST THOMAS .TISVT nnsn-i I •: . COVERAGE is provided in the: ! ; • . - • •; ' AFIA member company designated below: . ' t - - . * . • . • • , ' i ' . " ' . ' • ' : ' • Kv'- - ' ' • - " ' i ; THE HOME INSURANCE COMPANY ' 1 ' * ' ' • , - ; • ' . . , ! I 3. 4. 5. The insurance afforded is only with respect to such of the following Parts designated by an "X" .in fx) and. Coverages therein as are indicated by specific premium charge or charges., The limit of the company's liability against each such Coverage shall be asi stated herein, subject to all the terms of this policy having reference thereto. ' ;• - •• ' •• • '• Comprehensive General Liability Insurance ............ Q Owners', Landlords^', and ; Tenants': Liability Insurance'.... Q] Manufacturers' and Contractors' Liability Insurance.1.'... Q Contractual Liability' Insurance '....................... Q Completed Ope ations'and Products Liability Insurance .. [j • :{ !'.• Bodily Injury Liability i ' ' Property Damage Liability Premises Medical Payments Insurance ....:........... Q ( ; ?! ' Personal Injury Liability Insurance ................... Q Comprehensive Personal Insurance ................... Q Farmer's Comprehensive Personal .Insurance ........... Q] ] i;i . ' •* ili'!' '!;"• Personal Liability ; "' -'i '•;-/ Personal Medical Payments . '•; • ^Physical Damage to Property <«prii<»iii it itmtr'i cif»iin»n>i riTinii mifuci MI?) Animal Collision Basic Automobile Liability. Insurance,-.:.. .........:;;.;• Q] Comprehensive Automobile Liability Insurance ...... •'.'.. :,'i' Q •;: T"'''"'i '(' v'ii'1: Bodily Injury. Liability 1 Property Damage Liability Automobile Medical Payments Insurance ............... Q Automobile Physical Damage Insurance (Non-Fleet) ....... Q Automobile Physical Damage Insurance (|I)6.ai.l'^:PiS)C' H Schedule Automobile Liability Insurance ............... Q •';;': LIMITS OF LIABILITY ; j . ;. 'i • > "•', '.' .' . '• •?•'' '• . ' ! EACH OCCURRENCE ' AGGREGATE ; j ' ' '.'•'•"••;' : $ • ' : : • ; ! EACH PERSON $ ' , : ' v - ; AGGREGATE J5oo,-oob'.;-' EACH '.'.?>.' PERSON 1 '-:> ;; xxxxxx''-: , 'Market value EACH PE^SOr mxxx"- ' : ' $ - EACH ACCIDENT • | , ••• i> : •'. . ' ,' • ', EACH EACH OCCURRENCE ACCIDENT J • /. • XXXXXX : i." 1 xxxxxx : $ j: t'i . . $';.' , .: xxxxxx not exceeding $400 each animal'* ' r^vv • • • . ^v"- 1 EACH PERSON-'.- • • * 1^'OOO.vl.-; % io,oob"'V" .. - :':.-.- •• $ EACH OCCURRENCE 1 ' ,' *• a ' ' EACH ACCIDENT • XXXXXX 20 i 000 See Coverage 'Part for Limits of Liability '< See-Coverage Part for Limits of Liability ' See Coverage Part for Limits of Liability • Endorsements and Additional Coverage Parts # !'.,': ' : (IDENTIFY BY FORM NUMBERS) •' /See Endorsement "A" ' tlf PolicyPeriodmorethanoneyearandtheprcmlumistobcpaid ,••'.':•, in installments, premium is payable: Oneffectivedaleofpolicy $ 1st Anniversary $ Total Advance Premium ADVANCE PREMIUM $ $ J * 31?, * J J $ * 75 $ 3547 I 785 $ $ 132 * 4851 2nd Anniversary $ Audit Period: Annual, unless otherwise slated.** • : The named insured Is: individual ; • •,' partnership joint venture ; other urine the past three years no insurer has cancelled insurance, issued to the .named Insured, simik unless otherwise slated herein:" £ v t i ^Qr^A/1 I •ABSENCE Of AN EN1RY MEANS "NO EXCEPTION". ".•ks.wjt/ o JAyu yy ———— i \ t i ii i n ^ ————————————— • ——————————————————————— T — /-r^ — - pS t /* |; corporation X ; s\ r io that alforded hereunder, / * //} fl H~~ IL-, t not applicable In Ttias Countersigned by_ INSURANCE, INC. Authorized Representative . ; jllowing spaces preceded by an. ' the Policy. . Ehwrsement, Effective tember 20, Forms a Pail pi Policy No; •;' .;. '•;./. .. ^'fiAtV.'.(iOOlt4B3'{^/V''-':<V- . iCOMPANY i ied To RAMSEY MOTORS';i HOLIDAY. RENT 'A 'CAR' &" R" • • . . • < "-i isideiation of an AdditionalPiemium inderstood and agreed that (lie • . • ''••!' )50J 3079 . - • • It. B:, L8 ; I;'' -it. c 362s 3' P.R. L 4 . « ^^^ :j:F^I NH'i : " " \. •'•'' i ' M;'' •' » ' •.• r •'i i ' :'.!'•• /• ! -": ; .'J';.. :i-J'i '.'!l. • • I"! ;::;': •; x^iV'i lS^ANTiLLES1 INSURANCE,; INC. -[;•;! V' • ( • ' • • ! '.j.i'-'\ -^ ••'•]•• > •. • ': ' '•'':'•. '/ • • . ' • Autholized" Representative (HE V 9 / 7 5 1 1. 2. 3. : ; 1 r ; r ' - : i ' - ' GARAGE INSURANCE COVER(3E;PART ' • ' ; . ' • '|, ; ;h: : - : 1 '' I • ••'•.'•'• • ">.'.' ' : ^iillvv ;!/•>..:. •• ! ' i- i ' • i ' " ' • • • ; . • ' . "!-:t'>i;: '.•.••• i : ; : • • • ' . • ; i ' ! ' ; < ! ' • ' ' * ' LE 'General—Automobile Liability Policy No.GAL5001453 The insurance afforded is only with respect to such of the following coverages and hazards thereunder as are indicated by specific premium charge or charges. The limit of the company's liability against each such coverage shall be as stated herein, subject to; all the terms of this policy having reference thereto. ','.•• . • • ,'V•-':•*. | : . •• . • • '•' : !_____ COVERAGES Garage Liability G. Bodily Injury Liability H. Property Damage Liability »'r 1 '!.i •;• Expenses for Medical'Services .; I. Automobile Medical Payments '• I. and J. Automobileiand; ::' Premises Medical Payments' ' Garajekeepers' Legal Liability K-l. Fire and Explosion "*• ' • K-2. Theft of the entire automobile K-3. Riot and Vandalism' K-4. Collision or Upset HAZARDS Automobile Hazard 1 Automobile Hazard 2 Automobile Elevators—"Pigeon Hole" Type '. ' • ' ' ' Automobile Hazard t Automobile Hazard 2 Automobile .Elevators—"Pigeon Hole" :Type: Prem. Ratt: 1 Percentage .of Cov. G'lpre'rn. :'_j..'-j ; - • ; ' % • . •••:^m - - - - - - 8 . 5 >:•••• LIMITS OF LIABILITY ' $.'.vy300.000,each person ° eacn $;.:.[;,', 50,000 each occurrence subjeci :_to.$100/deductible^ as set forth; in limits of Liability provision ' ' . • • ' • • - • : •-:{:;'•?',,::i'|-V''''' '! r- •'• '* • ' !''!• :'! {• Specific limit per location as'stated In item 3 subject to: ...,; ,1 ..( ; ' $25 vandalism deductible'''i"'^''.'- ViV•!; ' : .'' ; ! ','' '•.' 1 • i i ' ' - " . - - ' - • ; 11 J>•<•;"••:'• Umll «( liability Includes $5000 limit • $ • • .• •• . deductible. • • • ' . ' 1'-; leit to property other lhan anUmeblli • Total Advance Premium ADVANCE PREMIUM: $ U I 0 5 . J79 Q1 (a) All automobiles owned by the named insured are used principally In (ara(i operations of the named Insured, except automobiles (1) assigned to the named insured,'a'partner therein,.or a.member (hereof, or an executive officer thereof,, or, if a .resident of the same household, the spouse of any of them or (2) furnished to any person or organization'named In paragraph (b) below. '• i:v,'i 'j'r'' ' ' • ' • ' '• ! ' ''• •• :| • (b) Automobiles owned by, the named Insured are furnished to the following persons or,'organizations' for,thelr regular use for other business purposes or for non-business purposes (do not list the named Insured, any partner, member, executive officer or, if a resident of the same household, the spouse of any of them unless more lhan one automobile Is furnished concurrently to such, person, and. then show only the number of automobiles so fur- nished in excess of one): V . , . :• •;••• . .• ' : . . : • : • - f , •• V \ : ;i>' . , '•; V-'i.-i •••rj-*;" •. '.' 'V- ; •'• •) • i I i >\ • Namg Mime 1 -. Number L of Such, I »y|«mobllt« Nlmi " /.I : Nim« i h^T i Number I of Such JAvtimokllti The following are the'addresses of all 1 premises where the named Insured conducts garage operations. (If more than one) see Schedule attached.) 'V-iri:-.' ' : ! • ! ' • . ' , : • ,::>^:rit-GARAGE LIABILITY ••^'M'}^''-. ' •<" 'tl-^t-. • •:. T .;i •• Loc. No. 1. ••H I •:'('>;;! ! > •:'•• •>'•!'. ', • r Address (show main sales loca^U;;. lion, if any,[as" Location HoV'iji '• ' Automobile Elevators—"Pigeon Hole".Type 1 ' • : ' i ' !• ' I 3. Premium Basis : , . . 'v i Remuneration R V .'.•' I i • ..:ir:..j: 2.^000. C -.!f 52^-000 Total t i r ' .-: Furnished Automobile No.'Insured •; GARAGEKEEPERS- LEGAL LIABILITY Max. No. ol Cuitomers' »utemeblle» Stored • •' Limit'Of Liability $ 30^000 $ j . . - . , , Coverage H Per $100 of Remuneration 0394 3i4f| M555 i lj >'*i' i f '-IV :' • (l ••• .;•.;; Per JAiitompblle^ij. V< Advance Premium ':•:• '-ft: !• ." Coverati G '•' I :|-i *•(• • t'I •••*!•'" ' ' M ••:•?• 90' ,2105 ..-•» ,1 • Coveragt H 41 :: 97 809 :.947 Minimum , Premium .Coverage G Coverage H Coverage I Coverage I I J iijhe.business.of,the named insured at Location No. 1 is: S Franchlted rr-i—I Won Franchlted ti • i)J i—i Repair | " .""*-' ' I—I Service ,v!-'-' I—I Storate Caraie or .•• i—i Equipment and LJ Station .''I., L_I Public Parking Place .:, LJ I ' ' • •'••.••.r.l./'-.'-rt.'J1 S M. •- •--: I". " i • . <• J Implement Dealer tUSE TOTAL REMUNERATION AS PREMIUM BASIS FOR HAZARD 2. li '• ,'; ''. :n '—"\ as a premium basis: . • { ; - :' i;:'' l [•'•;*• ;';,.!' . . • ] , . . ' . . ,., ' , '"'."•"• ^>'.'-;.'::'!..;'";'';; • • " ' . ; • : * ' • TI on" means (a) the entire remuneration earned during the policy period by each Class A. employee and each Class C employee of the named Insured, subject ins^age weekly maximum of $100, and (b) the remuneration of each Class B person at a. fixed amount of $2,000 per annum with respect to Dealer Risks (Hazard 1) f5,200 per annum with respect to Non-Dealer Risks (Hazard^). ' li.,i..;*l'1.iy -•,'.;>• ,iv -,.•-,.„ „ ',• • =V , •• ti ••'•• . • • • • iss A" means all clerical office employees. |; ••>•'•" .•''• '• ;l • < '••'•!;! '"< '•''•'• ' ; ' '' ' ' ' iss B" means all proprietors and officers active In the business, and inactive proprietors or oflice'rs (other lhan an Inactive proprietor or officer who is a spouse an active proprietor or officer) who customarily drive an automobile owned by the named Insured; and all salesmen, general managers, service managers and jffeurs. • ):•' j.' ;• •; • ' ' . • <.;,,'; ' . ' . . , , ; . : !••• ' . • : iss C" means all other employees.';'. • ' ' ! ' . ! , ' . . - ' • ! • ' ' ' • • . . ' ' ' ' . ."• : ' ' ' . ; , ; ' , ; ' . ; . . , - , , . , . •• • .•.:;•. •'.•.•-• •. ;• •:; . <-••;• <• I •' U;' j: ' ;-; -:. i . ; . - • • ' - . . - . . . . • • • • ' • : ' - • • ' - • • : • • / : • , - , . I j ! . iV'i. • • • . r •'."•.'! . - ' ' ' • • No. M061S Fd. 10-1-56 (Rfy. 1-1-73) _h- person so uesigiwiuu uut umj ..u,, n..,,^,.. .„ ..,. , . .. of which he: is the sole (proprietor, and the spouse of the named insured with rjspect to Ihe conduct.of such a business; , ; i any employee, director i/i stockholder of the. named InsurcJ <vhile acting within Ihe scope of his duties as 'such; and ,.'•;!/• •:'•,;•, •..:','*',.:: ) if the named Insured i; designated In '.tfie declarations as a v pafinofshlp or. '.'oif' venture, any partner or member thereof but only with respect to his i ; as such. ' . ' • ; • : ! . • ( ! • . • • ;,. •.•:, > • .'•:.• < ' ' " occurs within the territory ilescnueu in policy territory. /, ; LIABILITY' ',., . . . . ;ardless of the number of (1) Insured* under this policy,: (2) persons' of ;organi- s who sustain bodily injury, property damage or loss, (3) claims made or suits ht on account of bodily injury, property damage or loss or. (4) automobiles to this policy applies, the company's liability is limited as.'fojjowsrit,;'-. • rerage G— The limit of bodily injury liability % stated. In the^ schedule as ap- ile to "each person" is the limit of the 'company's' liability for- all, damages. ling damages for care and loss of services, because 'of bodily injury sustained le person as the result of any one' occurrence; but subject to the: above pro- i respecting "each person", the total liability of the 'company -for all cam- including damages for care and loss of services, because. of! bodily Injury ined by two or more persons as the result of any one occurrence'; shall not :d Ihe limit of bodily injury' liability slated in th?'schedu|e as applicable to i occurrence". ; fj. ' ' • • ; ' '!•'•.'• •\:i.l.l'.t.!'''-}{^r-''\.i-';>.;'. verage H— Subject to the following paragraph, the total liability ;of the com- for all damages because of all property damage sustained, by. one or more >ns or organizations as the result of any one. occurrence shall not exceed the of property damage liability 'stated in the schedule as applicable to !'each rrence". ',". \ • ' " ' ' • " • ' ; ' •>. ,."^':''';^< ' • th respect to property damage to any automobile arising out-of-work corn- id by or for the named Insured upon such automobile or part; thereof, $100 be deducted from the total amount of all sums which the Insured -shall become ly obligated to pay as damages on account of property damage to, such auto- le as a result of any one occurrence, and the limit of the' company's liability be the difference between such deductible amount and the limit of Property age Liability stated in the schedule. All of the terms of this 'policy apply : pective of the application of the deductible amount and the company may pay ' part or all of the deductible amount to effect settlement of any claim or suit upon notification of the action taken, the Insured shall promptly reimburse the pany for such part of the deductible amount as has been paid by the company. spairs by the named insured shall be adjusted at actual cost .to' him of labor materials. , ,, : ; . ', ' i -V; --Y : '' • • : ' • ' - ;. ' overages G and K — For the purpose of determining the limit of the company's Hit' " bodily Injury and property damage arising out of continuous or repeated substantially the same general conditions shall be considered as arising ccurrence. • . ' ' of -«ccurrence. overages I and J— The limit Of liability for 'medical payments stated in the edule as applicable to "each person" is the limit of the company's liability all medical expense incurred by or on behalf of each person who sustains bodily ry as the result of any one accident.;; '. H: ,• ': : ,"', .•:•;;; ' leverages K-1, K-2, K-3 and K-i— Subject to the application of any' deductible. limit of the company's liability', lor loss at each location shall be : the limit of lility stated in the schedule as applicable thereto; if, however, at the time of s there were at the location where the loss occurred, automobiles ;'df p others In custody of the insured ;:. excess of the maximum number of automobiles indi- cd in the schedule for such location, Ihe company shall not be' liable for a ater proportion of the amount for which it otherwise would be liable than the ximum number of such automobiles stated for such location bears to the number automobiles at such location at the time the loss occurred. ..,.•,>.' Subject to the application of the deductible stated in Ihe schedule, the limit liability applicable to Coverage K-4 for loss to property of a kind customarily left charge of a garage, other than automobiles, is $5,000, which sum is Included in : applicable limit of liability for loss at the location. . . ','•.]', All of the terms of this policy apply irrespective of the application: of any de- ctible amount and the company may pay any part or all of the deductible amount effect settlement of any claim or suit and, upon notification of the action taken, j insured shall promptly reimburse the company for such part of the, deductible ,ount as has been paid by the company.. .. VO ••,•;;';,•-' Repairs by the named Insured shall be adjusted at actual cost to. him of labor d materials. , • , '• ' "••,'.; ••'•£•'• •• ' '• " ' ' ' • ! • ,' ••-' i ; J V , - . ' ' ' • • , ' • ' ' ''. . ( • VII. ADDITIONAL DEFINITIONS W M : : ' 1 JM , ••*.> '. • 'When used''in reference to this insurance (including endorsements forming a part/ of the policy): ' • •;!; : • / , • • ' • • I .. •; ; "automobile" means a land motor vehicle or trailer, other land equipment capable of moving under: its own power, equipment for use therewith and animal drawn : ., equipment.. This definition replaces,the definition of. automobile set forth-in ' the Definitions Section; '• ;jj • i "automobile hazard" means that one of the following hazards for which insurance Is afforded as indicated in the schedule: • •'•,• Automobile Hazard 1. ; : ! J ' • ' •• ;:,:\ ( ' ••('•• (1) The ownership, maintenance or use (including loading or unloading) of | ' any automobile for the purpose of garage operations, and (2) the occasional ,| i I use' for, other business purposes and the use for non-business purposes of any automobile owned by or In charge'of.the named insured and used prln- .(' cipally In garage operations, and (3) the ownership, maintenance or use of | ' any' automobile owned by the named Insured while furnished lor the use of any person.. . •. ;..y , . / ' , Automobile Hazard 2 . '•;•• ' • ' • • ' : . The use In connection with garage operations of any automobile which Is neither owned nor hired by the named Insured, a partner therein or a .;• member thereof, or a member of the same household as any such person. "garage" means an automobile sales agency, repair shop, service station, storage garage or. public parking place; ' j j "garage operations" means the ownership/ maintenance or use of the premises for the purposes of a garage'and all operations necessary or incidental thereto; ''"loss" means direct and accidental loss of or. damage to property which occurs during the policy period; . |:i»: , .:.» ,j ' . j "medical expense" means expenses for necessary medical, surgical, x-ray and • dental services, Including prosthetic devices, and necessary ambulance, hospital, : professional nursing and-funeral services;', •[ ', ! "occupying" means In or upon or entering into or alighting from; "premises" means premises where'the named Insured conducts garage operations, and includes the ways immediately adjoining but does not include any portion of : :• 'such premises upon which business operations are conducted by any other person '••'or organization; • • :'- I 1.;'- • '. ^ \ '"trailer", includes semi-trailer.! : '; .', J'' i- '. .,'•.' ' :- ' • ; -:;: :' {' f • VIII. ADDITIONAL CONDITIONS i ':'• !.; j A. Limitation of Coverage Under Any Other Liability Insurance Part ! The insurance afforded under any other liability Insurance made a part of this ' policy does not apply to garage,operations, including the automobile hazard, for which insurance is afforded herein.. '• i ; B.J irisured's'Duties In the Event bf Loss ' . i j. :.'• The Insured's duties in event of loss under the Garagekeepers' Legal Liability Coverages shall be as provided in the Condition with respect to an occurrence, : claim or suit. In the event of theft or larceny, the Insured shall also promptly notify the police.: - > i •;•;' ; \\ .1 C. Medical Reports; Proof and Payment bf Claim—Coverages I and J . As soon as practicable the injured person or someone on his behalf shall give to Ihe company written proof of claim, under oath if required, and shall, after each request from the company, execute authorization to enable the company . to obtain medical reports and copies of records. The Injured person shall submit to physical examination by physicians selected by the company when ' and as often as the company may reasonably require. The company may pay the injured person or any person or organization rendering the services and ; such payment shall reduce the amount payable hereunder for such Injury. Pay- ment hereunder shall not constitute an admission of liability of any person or, • except hereunder, of the company.; . ' i D. Non-Applicability of Subrogation Condition • . The Subrogation Condition does not, apply to any Medical Payments Coverage • afforded by this insurance...." , -., I t 2126 AiiAGELIABILITY ' ••• •-:.|i ry;vi^|Uiij^^' OVERAGE G—BODILY INJURYllABlUlY!'?;• i.^j'^ OVERAGE H—PROPERU DAMAGE;LIABILITY;1^/!'i ' ' ':' '/ '• 'I '' '"• i •': '' e <iy will pay on behalf of the Insured ail,sums which the Insured shall m ly obligated to pay as'damages because. of;,''_ <t .. ..; ; . ' ;. ^""' .: Coverage', G..' bodily 'injury ,'or'•.)?'. Coverage"H.'; property damage ;': hich this insurance applies, caused by an occurrence and arising out of garage ations, including only the automobile hazard for which insurance Is afforded as ated in the schedule, and the' company shall have, the. right and duty to nd any suit against the Insured seeking damages on account of, such bodily y or property damage, even if any of the allegations of the suit are groundless, or fraudulent, and may make such Investigation and settlement of any claim jit as it deems expedient, but the company shajl not ba obligated to pay any i or judgment or lo defend any suit after the applicable limit of the company's lily has oecn exhausted by payment of judgments or settlements;': I ' • ~:.•!•:•.• isions . ^":'| :"•'• ,.' ,'M; .1- : /; h i'V: J- -;' .-• iis insurance does not apply,,under the Garage Liability Coverages: • . o liability assumed by the insured under any contract or agreement except an ncidental contract; but this exclusion.does not apply to a, warranty of fitness >r quality of the named Insured'* products or a warranty that work performed iy or on behalf of the named Insured.will be done in .a workmanlike mariner;' o bodily injury or property damage arising out of the ownership, maintenance, operation, use, loading or unloading of any.escalator or Automobile Elevator— 'Pigeon Hole" Type at premises owned, i: rented or controlled by'the named insured; but this exclusion does 1 hot apply to ari escalator or Automobile Elevator —"Pigeon Hole" Type at premises which the ;named Insured owns, rents or con- trols only in part unless the named Insured operates, maintains 1 or controls,the escalator or Automobile Elevator—"Pigeon Hole":Type;'I.- • ••'•'•' '••*'}'• '• o any obligation for which .the ..Insured or any carrier, as [his Insurer may be neld liable under any workmen's'compensation,,unemployment compensation or disability benefits law, or under any similar lawj;: ,-^;.;-,.: .(.y ?.t,j r.i rrkv • to bodily Injury to any employee of the Insured arising out oi and in the course.. of his employment by the Insured or to any obligation of the Insured to Indemnify another because of damages arising out of such Injury; but this'exclusion does not apply to: ' . , $ ' . ' { . . , . ....•• A; i' i: • ; ," ' ' ' . " • • (1) any such injury arising out of!and In the,course of domestic employment 'he insured unless benefits therefor are In whole'or in part either pay- er required to be provided under any workmen's compensation law, or (2N—>ility assumed by the, Insured under an-Incidental contract; !. to bodily injury or property damage [arising out;of.;the ownership, .maintenance, • operation, use, loading or unloading 61 any '.-]• •'•!';.••'• '•.•'•* \- ;:';;i,;>. • ' (1) haulaway, tank truck or tank :trailer (or anv'vehicle used therewith) owned, hired or held for sale by the named Insure dand not being delivered, demon- strated or tested,. "J'';!' '•' ' ' • ' • ' •>' ' '. ''V. ,. ;i':/;'ii'-'. ':V; ' (2) automobile ' . • j'/ i - : ; ''• i, "• '. ' ' [ • 'ii\'!<-'i ' (i) while being used In any prearranged or organized, racing,'speed or demolition contest or in any stunting activity or In.practice or prepara- tion for any such contest'or activity, or':'''''i M';(! V1''1:.;1', •!''„',; •' : (ii) while rented to others by the named Insured unless to a'.salesman tor Use principally in the business of the :named insured, or';':.i '!;" ''.' ' (iii) while being used by the .Insured as a public!,or livery conveyance or for carrying property for :a. charge; : '•'•:"• 'l ':-:il' ••'•!' ;< '-\-n-f :*'( if'••?''< • (3) watercraft owned or operated by or rented or loaned to 1 any Insured, or any other watercraft operated <by)any person in; the course of his employment 1 • by any insured; but this exclusion (e) 13) does not apply to 'watercraft. while • ashore on premises owned:by,-rented to or controlled by the named Insured; M) aircraft; . • • • ' • • ! • ll'-i;;': - •- -..•i.?.:, ,>:: : ••: '• l--j.:; i;:^,-' -,>• to bodily injury or property damage arising out of and occurring in the-course of structural alterations, new, construction or demolition operations performed for the named insured by independent contractors; or.acts or omissions of the named insured in connection with his general supervision of any such-operations; but this exclusion docs not >apply to operations-of'Which the company has written notice within 30 days after, the commencement thereof; •,-.- > ' .... r to property damage to ! '•''•:• .i -.'••'' r""-;.'! • • •" •" I"1'''", • (1) property owned by, rented to or held for.sale by the Insured, or ..:•"• [•'; (2) properly in the care, custody or controlof.or being transported by the insured or property as to which the Insured is lor.any.purpose exercising' physical control; '| j';.;),""' .','".;'•'.,' '.}•,"!'.;' r',.\\. !'.,",• '•••*. '••'•'.-'. but part (2) of this exclusion does hot apply to property damage arising out of the ownership, maintenance or use at the premises of any automobile servicing hoist designed lo raise the entire automobile, or'to such Insurance as is af- forHpd for the use of elevators at the premises; -'; '.'' ./ ,' ,'. .';• lerty damage to premises alienated,by the,named insured arising .out.of ^^^^remises or any part thereof; :';',.'.;•(.•,(,.';|-j;.'''.'; . •„•' 51 •.. , :..' t-•;(:',.•- ' toToss of use of tangible property .which has not.been physically Injured or • destroyed resulting from . j . i;.,;;. ^. .^i/;. • -.;•-, ,]0.|j.v •.. ^••.\.-.\\:^t u.'ii.'i'j i. •••l^';li/:'si^j.''i'''^^'.'/.';.'; i'-.!i li-i1'')!,;!!';!!'" v .: ''••' '!>.(!) a.Jelay-ln'br lack of performance by or.on behalf of the named Insured of but thii. exclusion''does' not apply to loss of'use of other tangible property resulting from the sudden and accidental physical Injury to or destruction of .-,- the named Insured s products or Work performed by or on behalf of the named Insured.Sfter such products or,work,have been put to use by any person or' ' ." organization other than an.Insured; ,|: •<> •!• ': : •' '• ••••' • (j) to property,damat»,to any of the.named,Insured'! products If such property damage resillts .from a condition existing In such product or any part thereof at Ihe.'tlrne possession is relinquished to:the purchaser thereof; Ik) to property"'damage^c work'performed by or.ion behalf of the named Insured :< arising out;of thelwork.or any portion thereof, or out of materials, parts or . equipment,furnished.ln conneclion^herewlth;:! ,'JM, ;, : , • (I) to dani3ees claimed! for the withdrawal, Inspection, repair, replacement, or loss : •• of uje'of'the named Insured'! products or;work, completed by or for the named. Insured .orjOl any property of which such products or work form a part. If such products,'work or property are withdrawn from the market or from use because of any:known or suspected defect or deficiency, therein; . (m)to bodily.Injury or.property damage due t<f war, whether or not declared, civil war,. Ihsurrection, rebellion br revolution or, to any act or condition incident to • .1 any "of the,foregoing, with respect to •' j-j j/j (1) liabllijjr'assumed by (he Insured underlln Incidental contract, dr ! .' ' • (2) expenses. for first aid under, the Supplemenlary Payments provision; (n) to bodliy Injury or .property damage ,',for which' the .Insured or his indemnltee ion If such)liability Isjlmposed'i I1; ; i^. ;•'• j; .;'j • , | ' : • " • • .(I) by,'1-'br'because'of the''violation of, any statute, ordinance or' regulaligr ; . ; • pertaining to. the sale,'gift, distribution'or use of any alcoholic leverage; or " (ii) by UeaSon of the'selling, serving'or giving of any alcoholic beverage lo a : :l ; ,, minor. 6rr to a-person under;the'influence; of alcohol or which causes, or • : • ;:••'•.' corilrlbules to the:Intoxication of any person; 'i . : .•;- •'-'-'.-. i., : • but pari/(ID;of this, exclusion does not apply-with respect to liability ol the • . Insured or his indem'nltee.as an owner or>lessor described in (2] above- •> ' (o), to bodily Injury or-p'rOperiy damage'arising out of the discharge, dispersal, . release or escape of.smoke, vapors, soot, fumes, acids, alkalis, toxic chemicals, liquids or. gases, waste materials or other Irritants, contaminants or pollutants Into on upon land, ..the. atmosphere or any. watercourse or body of water; but this exclusion:does not apply If such:discharge, dispersal, release or escape is' sudder^and ^accidental. ,.: ;: • ^\ t ! » / . • ; ( • II. EXPENSES loR^MEDICAL' SERVICES ".!'':.' ^. ,', , '. < i - - f , • - • . - . - • • • • • • • • = COVERAGE lAUTOMOBILE MEDICAL PAYMENTS ' .The-company will--pay.all. reasonable medical expense Incurred within one year jfrom^hejdate^of|accident: ,:.;.; '.•',,' •• :-;H -'j •• • ,- Coverage 1'.j.f,to•.of'..for.each person.who sustains bodily Injury, caused by accident, •<' •!'; ^ra'while occupying any automobile which is .being used by any person :-. '.('::y(?;.; who'Is an Insured under the bodily lnjurf>4iability coverage; with re- •i'.':-..'.tKiilUSPWl tOiSUCh USej.i .|,|i,.:|i;.;':-.:!.•;} . ', V, , ' ' , ' • Coverage'']. : ;to of'jor : each person who sustains bodily Injury, caused by accident, • .';;...'I;/ii.and arising out of the ownership,'maintenance or 'use of the premises. ' •,:'"'«:;'-.'"i; for the purposes of a garage, and all operations necessary or incidental •rr'ii.;j;5j'. thereto, :'!j •• '" '•'..'•'• '•' ' • i.;i ' | .' ' •; '; Exclusions^'.;.;.^.y';j, •,,'_! ''..'/, 'J . (;;.'.'! .';" : •': ; This Insu'jance'does not apply: j. •'•'• i '••: • •-. . . (a) under..the; Automobile Medical Payments Coverage, to bodily injury sustained .. by any employee of an Insured under the bodily injury liability insurance arising out.olrand In the course,of his employment by such Insured;. (b) under-..the,.;l>rernises..Medic3l. Payments Coverage, to bodily Injury sustained by , (1) any'person, while occupying or through being struck 1 by an automobile away :: i",-.;.from.-the:,premlses; «>• ,'.i •':.<: .j" • - f . ^ - , - - •.••-.\ ••: •• •;: • i . •(2) anj/'-persbrl .practicing; Instructing or'participating In any" physical training, ,.•'-.sport,'; athletic activity or contest; ; :, .•."(3) IheVnamed Insured, or any partner, therein or member thereof,'or any em- . ployee of the named Insured arising out of and in the course of his employ- . .':;ment by,the named Insured; i ' <;.' < :\ • • ; . ; . •. . MJ any;'persoh; while, engaged'In maintenance, alteration, demolition or new construction, operations .for. the'named Insured or for any lessor of-(he •:iHypremlses;,,; I;;,)-,;,,, . ,.,/ . ,;::,it» (, . - . . , . . . , . ?mlses'' Medical nership, maintenance; TprtC urvncidlllfJ, maintenance, , vpci auuil,. UJ&, -luaumg I vi/.-uniwaunig . wi • "ill escalator or Automobile- Elevator—"pigeon Hole" Type'', at-premises''owned, rented or controlled by the named Insured; but this, exclusion (c),(l).does not ' apply to an escalator or Automobile Elevator—"Pigeon Hole",,Type;at premises • which the named insured'owns, rents'or'controls .only in. partj unless the,; named insured operates 'maintains or controls-'the escalator'.of;' Automobile .'' Elevator—"Pigeon Hole'. Type; j., [ f;Jj .-,'fi'1^-.'^i;iV3.;j.,.^:i •;V!)i>l\|,|..f-','; ,- '$ (2) structural alterations, inew.i construction'or'demolition'operations'for the' named insured by independent contractors or/their subcontractors, or, omissions or supervisory acts'pf the jnsured Jrticonnectlon^j^ewllh;^:'^^.'- under the Premises Medical Payments Coverage.'.tb'.bodljy'injury resulting"from , the selling, serving or giving'bf:any alcoholic beverage Ii) :iri violation of any statute, ordinance or regulation, (ii) to a minor, (ill) to a person/under the in-, fluence of alcohol or (iv) which causes ;or icontributes to L the ! Intoxication of any person, if the named insured Is a.person.or, organization epgaged In the ' business of manufacturing, distributing/sselling lor /serving alcoholic beverages or, if not so engaged, is an owner or lessor of premises.used.for.such purposes but only part (i) of this owner or lessor; .',-: r'tf-.r • ff It . ; • . ' . . . . , , • ' ' • - Payments Coyerage,.to bodily Ihjur^arislng out of:";j.;'-i 1) owned.by.or fenled foFUjJi: !!!B'$;SW|-SJ •'"•<• nce,,operatldn,!'use, .loading.op'"Unlqadlng:of anyiiij'!^ ,-(i) the'na'med Insured/or i a partner) therein or a ' member thereof, or.the spouse of any.one of therri If a [esldent of tha same household, ••-• . ":' "?-; (ill an employee of .Ihe'inained Insured?or his spouse If a resident of the '.•• ,'"''.'1 .same .household, ''unlesi - the- automobile or other properly is In the >.!':.|'i;r custody of the named. Insured under an agreement for which a specific 'i' '• .'.- ", pecuniary charge has beenimadej or( >." . •, . ' -. . -•; (2) In the custody of,lhe:named Insured'.for demonstration or sale; ' ' ''':;) (c) lo loss'by theft.due to ariy fraudulent, "dishonest or criminal act by the n?"1-* , Insured, a partner therein, 1'a member.thereof or employee, trustee or authorized >' .-representative thereof, whether, working,or'otherwise and whether acting alone J'v or In collusion with others;. : j-,;,/'^ .!{',;[;,., ; . <-. ' •. (d) to loss arising out ofjhe' use of any elevator, or any automobile servicing hoist • ' designed.lo raise an .entire automobile;jfi :f ; , ' • ' ; , •'. ;. . .-• . (e) to defective parts- accessories or materials furnished or to faulty work performed on an automobile, out of which loss arises,-! (f) to an automobile or. other property while the automobile is being used in any is exclusion applies when the named Insured,Is.such an ... prearranged or organized racing, speed or demolition contest or in any stunting : ji j«iiii'i|"'f i'i |'<-rj;!v£;Vli^(##ti;^/VS'^; " (1'*''. '.:'--.-!;.. activity, or; in'practice or'preparation for.any.such contest or activity; ' ,; I.J:MH| r>~.,«._i. r>«...ArA«^'*' l« I%.J., M. .f:^*ll »••«»• t~, : fn\ tn Inte Hna In urar . u*hafliar:nr nnt ffoMa'ran1 • Mvil utar Inciirr*rllnfl 'rahollini under the Premises Medical Payments Coverage," rerage," to "any. medical [expense for i (g) to loss due to war,-whether 1 or not declared/civil war, insurrection, rebellion or services by .the named insured,, any-employee thereof,, or. anyfpefsjn'Of'prgani- ;' revolution, or'to any act precondition incident to any of the foregoing; - ; ' o to provide suchi serylgesij^ijjf.f', (•;. (h) to loss due;to^adioactlve contamination-; :i.|;. . . '. zation under contract to the named insure under, the Automobile and Premises ! Medical i-Pa injury sustained by an employee' the operation thereof and,l( ben payable or required to be; provided;' under the Automobile and Pfem o'damages for.loss• of use of an this insurance to the extent set forth COVERAGE K-1— fit,which he-is the sole proprietor, and ithe spouse of the named insured with AND VANDALISM. COVERAGE The company come legally verage K- verage K-Z. loss verage 'K-3.' loss ' '. mischief •"•' • ; $25 shall ' •• .' • or vandalism; iverage K-4. loss to an :automobije -orothe'r, pVop'ertyloi'a'klnd'cusfofnarliy'left'': • >. ,; in charge of a garage caused by collision o[,the;autpmoblle or such, i: -. property with another 1 object or'by upset thereof,-but the'deductible 1 !i•••;;. amount stated fin Mhe;ischedule -as((applicableHheretoiiJ.shall be • '.''..; i deducted from the total, amount of all sums^whlch.ithe, InsurBd, shall •.;.••.• :yi i..','.^,\i",',i" ;L x™r~rxr nv »r »i.i"»',«i.j r '-:.'., 1 become legally bbli?ated> pay as'dimages'becaliseMeacl) loss. ,- 4ib, Cfh± il .' V'' °7£u" ? th? '?"" , ;'.. and.the limit of the company's liabilityi.'shall.be'^theVdifference ' -. •..' a','"° , "'< -, fe,,i!'.J: u'j: ,, . i'A, . . . . . . . .'.,;' between such deductjble amount and the; imit bf,'|labili|v!.'jtated in None of t(ie fphowlng is anjniured:'., ] ;,,; f,;!^, . ". . ,j .-..,.,'. '. ,;,, the schedule; •. v i-.!,.';.,'(.;. '.,. 'V,'.:':!l'|: i^'ij'd/fJ'jV:^ •;'•::.!. (i) any'person; while'.engaged Jn the business of his employer with'respect to curring while such automobile or other'property Is': In.the'custody of., the Insured '-.-"...' bodily Injury, to,any :Tejlow:employee 'Qfisuch person Injured In the.course^f safekeeping, storage, service of repair .;j.j|;, i^-KiriiiVif.'^WTi.ifJ.1.-ji*iri-\'('-'i.:!-.•*> i':'.',:•'•' n'?.-'m.P'9yFle!if;?a iiififltTJIjS'.flLi^i.'flii: jiii • • ' . . >'i •:-i--;i•• '"i- ,'nV ; : • • • • • ' • ' • • • • i.'....Aii'-"i:^i-.'-':ii..' -J-l-.^'^-.'.u^—i.—1'1.. (ji) any^^ person, or organization, j|othe[. than-the; named Insured or Its directors, ',v stockholders, partners,' members.-or,'employees, while acting within.the scope ': ^!; of their duties, as .such,.with ^espect to operations performed by independent . , . ' • • " • . „ • , . • .!:'• ;i L;I.: -j -i . .;r'» J , V":- w-ii '«>'- ''i'-1'.'.'•."• '•-•,' conlractors for the named'. Insured; , iVl..1'fi. ... Str^s3^aSeshr a^unttf^h^i^ the suit are groundless, false or fraudulent, and may make '.sikh ipvestigatlon '•' ::', .., ,™ •'J*' ^'i -.''.'• '• "•> iMk ('i -:''i'. '.i' ' j . .til>».__» «i _„., Ai_.*« A.' ...it-_. :i J.A_^_ AUK.JI.H* L.'.t it.z ,'»»LL___,. _u_n f fol nuinon . hv Cn/*n n«r«nn , nr nrtraniTstlnn t\r nu » mAmhar /nthar lK«n fha .,. (iil.a^partnerl'^membefAor]employee of,]the named Insured or of ;pi't!'"T?w?f;.'i^^iiW^i:! t'!*-:jt..iii- --'••- V''I •••••;/, (b) any other person or organization but only with respect to (us or its Ii such respect to his or its liability Insured or an insured under I a t a location stated i n t h e 'schedule or ,:.while:,lemp'or'a(lly' ''femoved, therefrom T ! » ' any. p . . . , in the ordinary course of the Insured'Sfbusiness^prk'^. •'•.'.1'!':'n'**l'(5;r*r^l|i''i- .'.' "• \i's stockholders, partners, members.- or, employees, while acting within. the scope * l j ' . . * r - . - , * i ' ~ i ' S 1 V t ' * l ' • ' h f Ihp'" -J"''-— — - - - - - — L ...!«Ll-.J — - - « • • _ _ _ _ _ _ » ! _ _ _ _ _ _ J - _ _ _ _ J t . . ? j j _ _ _ . J _ . » ) away from the premises if the Insured Is attending such: automobile, pr'j)roper}y; -^ K-. ."'•'" .d he coman hall' ave the 'i' an ; dut '.'lo" defe "ari'siiit'JA0ainsl th«'. -\:.\: >...'.-.. gr . id settlement of any claim or su|| as it deems expedient, but t|ie ''company" shall t be obligated to pay any claim'. or judgment l or to defend ariy suit alter the . . , - , . ' (a(. owned ;by such persor|..,9r, organization or by a member (other than the [V ;C n?R?d,Insured) of, the*same, household, ,or : . (b). possession pf whjch ha's'i.been transferred to another by the named Insured it of the company's liability has been 1 exhausted, byjpayment :of j ui settlements. . .i j': ft. \v.'*n\'k:W &;.,'.'.[ :',';'•'.• •:;•'•;'; .;,{•.>/'•; '-,;.'^:: >/-.',\ i;irrPu.isu.?nUq .an agreementi.of sale; ;;i||;.||, . . .- .. ._.. - , , , T^.._>jpplementarv Payments -., provisions! of, the .policy: are ; applicable 'to' the1;, iivllany partnerji member'or employee of the :named Insured or the spouse of such surance afforded for Garagekeepers' Legal Liability,'except-the provisions with ii- •;;{. person,'with irespect 'to: property damage to property owned by, rented to or spect to the cost of bail bonds and 'expenses :for rflrst .aid. ••:>;• .v-,ii 'I'M ;•]•••••'• •"•'• j '• 's'-j! :neld for sale by the-named,lnsured,ior property In the care, custody or control • • : ' - i : ' - ' - ' " ''• .: ;•'(':.• ;',. ^.lr:ti^^j^--:* jJ^Vl^^ .* ... '. ," ^ ; riM.inn.""'-'. <"' -^ ^'-'-'l- -t'l ^V\( 'U^j! •'' 'fi. t<-£? '• '%ti ^^;/:^>i...: •' •''.'•: This .Insurance does':nbtiapply'; o bodily lnjury;or property damage arlsloj out.ol CIU. S-...... ;...... '.;.,:i i,''r!r.^; -i,' >r-:v-: :<:,'.-.'!'Av .••^^'•^.'••^•••.•. - :'• theiconducfof any: partnership of joint'Venture,of which the Insured is a partner This insurance does not apply, under'the'GaragekeepersJ Legal LiabljIty^Coverages: -. or member, and, which Is: not designated Jn thls'policy as a named Insured. ) to liability of the Insured under;'any'agreement'to'be respijnsible'^for,loss; •., .t.! B.;) Under!.the;Garagekeepers''.Legal Liability Coverages:., •>] • , < • • . : : ••• ) lo an automobile or other- properly fy>if fa'. '^'^\j^i^j^^^:^-^ ••''•••'• ~§ (a)'lhe'-named Insured; '•'•'•';;.a!_fii.' '.;!. .';:i '; g— i H Him -rr—•- This endorsement modifies such insurance-as. is afforded by the provisions of the policy relating to the following: ;'.',! :. ;.,' . ... 1 ! : CAIUCE INSURANCE I ' AGIOS ! . - : USE OF OTHER AUTOMOBILES Cq.VE.RAGE - UROAD FORM; ' "• « ' • , ' , ' ' - . ' . . . ' ''I'.! ' • .;''.'. • ' i • ( . . . : ' •• ... •• '-''$•;'.!' .''••' Premium '•• Name of Individual: Robert and Rita Ramsay Nancy, Ramsay . .; ;n,;;j;]y : • : ' • ' 1 . ',Jnjuo' ' .'"''i Liability , '. Properly Danmffc ' , : LLnbilily Auloiiiobilo Medical Paymcnli ' '•••var 1 :".-.:'. i-3"' , • 6 - 47" '. 1 /IS . 6 i . • • • ' . . " . ' - ; ;; • Total Premium .$132 It is agreed that the insurance afforded by the policy with respect to the use of automobiles described in the Automobile Hazard also applies, . ; . v r ' , !: : ; ' i •.''' ' . ' • ' ' ' . ''' • '"'•'., '-. l . "• ;', • 4 t i . • 'i'' i . i - : • ' ' , • • - . • ; j;': .:'.' V. ' i , I. Under the bodily injury liability and property'damage'liability coverages; to bodily injury or property damage arising but of the use of any.other automobile by the insured; . . ; • : . • •'. !•';. - 'I .v . I • , ' • :.-•'{•.:;v;:.'^'."/'. , , ' ; ri i.i II. Under the Automobile Medical Payments coverage, ;to Ijodily injury) caused by accident, to (a) the individual named below and, while residents of;the^ame houseKoid as such individ- • l-ual, his spouse and the relatives of either;4Avhile;occupying any other automobile, and (b) any other person occupying any other auioinobiic, If the bodily injuiy results from the ! operation of such automobile by such named .individual or spouse or on their behalf by : ' their private chauffeur or domestic servant; rOr from the occupancy.of such automobile by the named insured or spouse, and .':^'$.:!?.;'••; V ' i ; ' ' *'*'• i : '•: ' ' :. . .•• . ' ^ ^ . "-•Qt;f l'-^: :-'." :," ; •., •; ;• ' ; '.'• ' (c) such named individual and, while residents of the same household as the named insured, ! his spouse and the relatives of either, sustained, while a pedestrian, through being • : struck by an automobile; \ • '.,'•'';<[,',.!-'" : ' • . .' i !,. .. ' subject to the following additional provisions: ' -Vi['.'•'•''••• i, '-" . . > . • • l.: As used with respect to paragraph I, "iris'jurcd" means '' (a) the individual named below or his. spouse, if. a resident of the same household, and (b) any other person or organization not owning or hiring the automobile, but only with respect to his or its liability because of acts or.omissions of an insured under (a) above. • ' • . ' . - . . F.zoyio •i _ :••; ;-i: .•.„•' • ; . • • . . 2. "When used in reference io this insurance; the definition of "automobile" is amended io include only such trailers :is arc di.-sijjmul for ,usowith a private passenger automobile if inot being used for business purposes with-another type automobile; but under Die Automobile Medical Payments coverage, "ailtomuliili:" docs not include (i) a vehicle operated on rails or crawler-treads., , ; (ii) a farm type tractor or other equipment .designed for use principally off public i roads, while not upon public roads, .-%.' ',. (iii) a home, office, store, display or passenger trailer, or (iv) any land motor vehicle or trailer while.lo.eatcd for use as a residence or premises. 3. Additional Definition When used in reference to this insurance •'; "private passenger automobile" means a four-wheel private passenger or station wagon • ' type automobile. ' . .,•• •• ,'• 4. 6. 7. Exclusion (e) of the Garage Liability coverage does not apply to the insurance afforded by this endorsement. :.' :.i.\':. • ' : Exclusions . . / ; ' , , ' : • ' : : ; This insurance does not apply: • ' ::, (a) to any insured while engaged in the business of his employer with respect to bodily injury.to a fellow employee of such insured injured in the course of his employment; (b) to any insured while employed in or otherwise engaged in duties in connection with the business or occupation of selling, repairing, servicing, storing or parking auto- mobiles; '.;-" (c) if the individual named below is an employee, to.the employer of such individual; (d) if the individual named below is a partner, to the partnership of which such individ- ;.' ual is a member; • ' : • ? • . • " (e) to any automobile owned by such named individual, his spouse or any resident of the ; same household other than a private chauffeur or domestic servant of such named * fi individual or spouse; •'.<<.• • / . ' • . • •:.; (f) to any automobile while used in the business or occupation of the named individual . or spouse except an automobile operated or occupied by such named insured, spouse, ••' '!.' ; private chauffeur or domestic servant;/. • ' ' ''' : . . -' i • '•'' i\ ^ ;(g) under the Automobile Medical Payments coverage, to any automobile while being I used by the insured as a public or Hyery conveyp-^:e; but this exclusion does not ' apply;to bodily injury or properly damage which results from the insurcd's occu- pancy of such automobile other than as.the operator thereof. . i '• vy . -, Excess Insurance The insurance under'paragraph I shall be excess insurance over any other valid and collectible insurance available to the insured. ' • ' . , • :?r.;:i ;••••.•• • " ' . - . • • : ' The insurance under paragraph II shall 'be excess insurance over any other valid .and collectible Automobile Medical Payments insurance or Automobile Medical Expense insurance. • '.v'*i ':'.'••• ;• • ' ••'.' f,'.' ' • ' ' '. '*{'••]'.' \:'. .The insurance afforded because of the'naming herein of any individual is only with respect to such of the following coverages,as arc indicated by specific premium charge or charges for such person. •''';•'• ..' . ' * - "i . ' , • • < • . . . , . , —————— ~ " -'.'* '•• '•-£; '*;v!'-''!.' V "!" .'•.'•'1" ."'-.^ . A L U r u i v i y ^ f c - f c . . , ^ . "'•' "' ''^':^/f:;t:v/.i;;M^ ': • , allowing spaces preceded, by-an asterisk-(') need be completed only II this Endorsement Is Issued subsequent to preparation of Ine Policy. ' . ' . . » ' :;'*i!l!i ' 'ii' : •'•• ' ''tf':';' '''''', " '"'• '"• '••! •'".! •.'•<'•':. ;<"''";''.*• I'^ir^iC^iV^'"'' '"'•':' '• ';' l;'''': !!,'••'W''>'.-•' : .! • • . • • -, l ement, Elfeclive . •'•ij( |;.v'/,|: . 20, i:"i98i-;s;; nsidccalion o( an Additional; understood and agieed;.lhat Foims a Part ot.pollcy No. " U R N C ''' - RAMSEY MOTORS .^HOLIDAY. ENT. 'A CAR ' ' A.T. I .M. A ' •::' j,J :^;j-:- 1 v :|i'THEFT^''AND ! VANDAL!ISM'<'bEb<UCTIBLE^!^f j 'iii^i.^ !'- J!'/ ?- ^'' ;' is ;ner,eby' 'Understood7;'an.d}:'^gre'ed^Va^\G^ar'_agej Kieepers 'i-j-'. ;: _. _ n ' T .*' J i_- J i j -L "•!,»! 1*i _ _ _ _ - _ * _ L _ I'rr " r» / m i_ _ .c JT^t J J?N\L i_ _ 1 ' _l iJ J- J ^-.1* <.*_.jl.^u.<-.1n-! 1 —,\ •• •• -l-•':'?•.«•.'• !•"•,-' r'-r;-i ^'•rifl' !•• •!•':;< ^'-^'Vv f:- ; / '? ;''V*:;**';• >i^*^ •'.••'•M-*ii\;:'-* '\l ••'.•. mischief;andvvahdal:ismi'»hbtvto''.exceed.'v.a"',ffiaxiniilrh,;deductib.1^ ; >;.• ^.;«f£i*HJ;ii'4i-'J -; 1- 1 •';•••'••' •• ^ - ' '':-ite®l|IIS;'-:l^' Sf ..-j..; ^i'.v . ' " FORM NO. 1 5 3 4 - Z 5 M (REV; 9 / 7 5 | . • ../.-.'.".VtB'?{''^/ ANTILLES INSURANCE, . INC.' l\J^ .• 9antACttntitivtA . . ' ^* Repiesentative • IV •• ti, ' 2131 PREMIUM' 1.: (Deposit Premium , if "Monthly';. ' or Quarterly " Reporting" Basis) LIABILITY' Per Location ^ and . "In transit" 4 /COVERED AUTOMOBILES ,v: ' types arid Interests Therein ' .. > USED .-'I;] >«!*•* (Including" Demonstrators "•"J Service Vehicles) >; '• VSi^-1W.COVERAGES.,i . t"M'<;'ij/!!jf <•' i'.'lv1':^> Actual.Cash yalue less |: ;..|:-iiiii; yl^t^iq^^deductlble-!-'::' . .t — • . , . ': . T(. i"»i,:r» «• I •.".• * " '785 * '-V^Ti'l1'-r' Actuai!Cash Value' •'•' • I';.' ! • Incl. ;'. Aciilaj Cash Value; less' deductible of $50 j " ' indicate by,Vg]"> pplicable '• ^'as staled in '.'COVERAGE AGREEMENTS" >•' :! inci! As stated . •v .-,.-r \.' Item 2 a—FIRE; LIGHTNING OR TRANSPORTATION . . .. R — THEFT. !'jVi •}':!, :- : . • ' ' : ,-'• .«;«.>!'.^j!.if;:.:•,!.• -.. ; • • ; • :••.',. • • - ' • • ' i - ' • • ' • • ' ^ - - : 'as stated in . - , L •ll 1'. • SUPPLEMENTAL:: 785 '.'•;••;' •i- j'Y>;'. tf::'!m'. o >t; • 1'rj. •: w' i.* r-^1 ^'•r'i'^'.'>r':'--'J'''. f"™ Himbert el endorsements attached at Issue es<!R:.;&V'T« Subject:Jto aif$500.;;Afegii;egate.^per1'.i1occMrencei.. :.j ,-; •...;.•:.'.<' .''.'..;• .'',•" ••' •" ''•'•:.'. ''•'•* *'tFi?i'')iftvi»'.v.i,'i1' '•• ;',"• ••• i ^ *f>"- ) ? • ' • . > . ; ' -\ < •• • • • • - ; (a).NAMED LOCATIONS.,',The named insured fepresenlJ that the specinc locations named herein.ate.alL-bf^lhe,locations-or(Spaces.wiihlri locations owned, rented -':' f-'br controlled wholly or in)part ahdiiised by-the nimed Insured as places of. display' ShsloMirof catered aiteihelillei as bf the; effective.date.of this Insurance. 0 I.^TheJImit of the company^|,lja^i!i^4d^8ach;s'uch,:;named lee FIRE & SUPP. Cov • erages (If "Non- " FIRE=Fire, ugntning or,.; f:- -L*Transportallon Cov SUPP.=Supplemental Cov location as Location No r' '''-;•,'; ;i;:V. Fire"! .- iTotal Premium . ' !^-Fire and Supp.'Covs.' ^ :• Blanket Annual RATES"- COLLISION and ',i ,]{•••• For.all Named Locations, based on (1) Monthly or. Quart I 1 •.;*• Reported Values o r ( 2 ) ! ( • " " ' 1 COLLISION and THEFT Coverages jVOve'l' '$100,000 V. First J50,OOOJH^ 'ft- '$50.001 to $100.000 : *; i; S; COLLISION i Total Premium-collision and Theft.Coverages :. . • • • , ( . . , ' ! • . I' • . i <.•„.. ; ... i ' ! < < • ' • ' " • / . ' . • ... . •.] .'Myir. i :, l^.i-.'''r.i >v, .'.•; jV i".'". rr ••! ' • > . DPH Item 3. Loss Payee: As stated In the Loss Payable Clause, a'ny,loss under t|ils insurance is payable.as, interest may appear,to the named Insured and •. DPH Item 4. Explanation of entries in DPH Item;1for designating the interests Insured hereunder In ct'tered automobiles to which ihls,insurance applies: - 1 = Named Insured's interest in owned covered automobiles unencumbered by any security.Interest of a creditor of the named Insure'' DPH Item 4. Explanation of •'••!''! = Named insured' •'•• 2 3 = Named insured'?; creditor. such * = AII interests in consigne'il auiernfli|ies.'"^'-^ |,':"f;:-'' '; ; '.'IT ;Y, ;; '^ f""^^^^^^^^.^ OVERAGE AGREEMENTS;;.'-;;;^;-; •^.;.i|ffi:l''-':;.'!- ' : :' .'.;; '•;,!''.['']'. 3.. .Su^liiiufi'jic^'V^-j^^iiftorded'f ' company will pay for, lots to covered automobiles, (ur|der:., •RAGE P. COILISIOIJ/^'caused by. collision;':, ' s,..: i'(:..'i •:,J:i?»: :H.> f-.ll- .,' •'. •'• • ' . - : ; , • . ' . ; . -.....-.,...-,.-..--..... . irunderreacn Coverage applies separately;to each covered,alitimfliile,.tnd(j'land.motor vehicle and one or.more trailers or.semitrailers attached thereto.,shjll, be held ,to beseparate covered aitomobiles as respects ..limits if ItihHiru! inn _ »nW 'ila^iirT ihla. tirnvirinnr «nnlt>>*Kld tknr*tn ' ' r • ' L COVERAGE The COVERAGE COVERAGE Q. FIRE, LIGHTNING (a) fire or lightning, (b) smoke or smudge heating equipmen located, or (c) (he stranding, sinkii or upon which the COVERAGE R. THEFT.-' ' COVERAGE T. SUPPLEMEMTAl —c temporarily .left' with- the lanel ;j >,-(' j i -,; •-ri'1': " . . ! • • . . . . , . . , . . . ,,.. .. . . . . . . ..,,..,-.... .— -...„-., r....._.._. .... jed racing; speed or, demolition contest 1 or,vandalism, ^-^ ,^: ! •; {. «$*.,-}. <•.•.<• ,.v %\: :'-r r;^- jof.lrl iny sti|iitli»«fictlv!ty:oi';iriibrKtice !or prepiration for iny such contest (e) flood or rising waters, or •; ;.,' ••••:•< :^-.\ -;.\ ji--i'r.,. ; '.•'•'•&£'•$ •'<'•> •l\lf.> •A.li'i.ior iitlvltyi'WnM'^'jM^lM •li*i'yt i'i ' u!'"';ii;i' '<:'.' > 1 1 1 (0 external discharge :or.leakaK of water;-^;'j ; !• :.•:;:! ' ';•^r;•H^'^.':''.;rJ))'(o'<mof^•rllhartM1eb•»dr'e^llilo^^ whll« watertoirie'ori any single boat, provided that, with respect to each covered automobile, > ' ' ' • •• - ••' »—•••' 'L— - --• • • - • • - . . . » ...» . (i) under the Collision " loss in excess as applicable there (ii) under the Theft stored or displayed 1^^ ' ' -1 Other loss covered by this antimobile, loss caused by named Insired if the . railroad cH loss; the lamei Insirei. whether the.company.will, with,respect i addition to the applicable:.limits of liabili TUT O03 2133 1 ' "4i -I " ' ' ; '«.?•" .: .', ' , 'J • ' > ' (iii) 'after, or .resulting from, (he named insurers .voluntarily parting with or'possession, ol a , ...ered automobile, if induced to do.r. uy :. scheme, trick, device or;false:pretense, or;.from embewlement, , cretion, theft or larceny i committed, by aiiy-person entrusted insure^ with custody or possession of the covered'automobile; , (!•' ' any additional location prior to,the company's receipt of the named Insurer's• >rt thereof, unless such loss occurs during the first 45 days after com- • ^ , f c e m e n t of the, use of'.such location;; ;-,•••'' -i. •. ~ :'-'' • i ,.', -..• 'fi (vfaTany temporary location'more than 7 days after ^commencement of, ils use;,.v-, indicated In the schedule.' If the"premium basis so indicated 'is-"'"',' tolossdue.to ., :-J: .,JW;;, ', .••.''.;'.•;'.:.'..• '. '!.' '-' (a) "Mon'tWy ;Re jortlng" . ' . " ' ' - ; .'' ;.:". ' • (i) war,.whether or not declared; civil, war, insurrection,, rebellion,or revolution, ' •»•>•.* ----* <—-i . •>• . - . . . - > . i . or to any act or condition, incident to any,of.the .foregoing; :( , , ,, . ,„>..; radioactive contamination;^ :lsi'>: "",..... '4:'.-J;,;'.,',' |. ,, .. .' ;. ; , - . , - ' • ,t •', • ... i- • • ' ' * ' • !• ' ... ' : r . V , ' ' ' •• ' .' 2. ,Pre«inm*K^O't • ' . - : \i':',.-^ ••-,". •'!''> ', • • - . • : : • •,;.'/:;*.^^?.i)i^ , All premiums "'for'this'Insurance shall be : computed! in accordance with'the'1-com-':':;b.' pany's"rules-' .rates,, rating plans, premiums and'minimum premiums applicable,to the ' U" insurance .'afforded herein.. The premium bases and rates for this Insurance'are as '''''' 1 to loss to (i) any device or instrument designed for the recording, reproduction, or recording ': and reproduction of sound, unless such device,or instrument is permanently •:.-:'••••• installed in the covered automobile;"' -."! '.";)••.:•;.:',: ;. '._. ' ' -' .' •', ••',:-.•-.^ • (ii) any tape, wire, record disc orjother medium for use .with any device or Inslru- • ;.. ment designed for the recording, reproduction;, or recording and reproduction of sound; ••j;: i> i :••!•• v;i.riH;i c--;;•.;.;•..••.!.-•:••«': •'•••)v;'' i: to the named insured'* prospective profit of any nature; ;r- ' !.-• ; .•'"'•"•''• :.Vi. ) under the Collision Coverage, to any covered automobile while being driven, towed, or carried on any other land motor vehicle, trailer or semitrailer owned or hired by the named Insured, from point of'purchase or distribution to point of destination if such points are more than 50 road miles apart;!.' •: : • ' • !'•' ••.-'' i '>.'-:;'t Vi ) under division (c) of the Fire.fLightning or Transportation Coverage, to loss to any covered automobile caused by the collision or',upset of any ; land motor-vehicle, trailer or semitrailer in or upon which,the covered automobile Is being transported; .) under the Supplemental Coverage, to.loss resulting from rain, snow or sleet, whether or not wind-driven. . ::.-;| .- • . , • • • < • • • • ' • -. . LIMIT OF LIABILITY i !:".;j . The limit of the company's liability for loss to any one co not exceed: -.(":».'"•''-<. • ( • ' ' • . K •••&-'• ':• (a) the actual cash value of such .covered automobile,, " thereof the actual cash value of such part, at. time . (b) what it would then cost ,to repair or replace such covered automobile or part ' , - , • . thereof with other of like kind and quality,',with deduction.for depreciation;I' ' ''' ' provided that, unless is designated in the company shall not amount at interest the actual cash value !. ° '^t to the above provisionijrespecting any onitotereil au mviiui; ,ncpui u n | . . . . . . - . . - . - • , : . 1 f , . . : (i) The. named Insired shall render to the company, on or. before the-.fifteenlh ; ..day,of-each,month a statement, on the form provided by the company/of the ' . location.of.all covered automobiles and the actual cash value thereof at the •':'•-;! close 6(, business on a given day or days'61 ;the preceding month, determined .'.-.C as, indicated in.the schedule; Each such monthly statement of values reported r'i.: for the; named location Identified Jn the Schedule as the main sales .location '.i; shall be Inclusive ;of the'actual cash value of: all covered. aitooieblles made ''!' available for'thS'use bf the'named lisired, officers or employees thereof and .'..' prlvatelyusto(ed at.other-than the named locations; ;!':. ; ^ '• ?•;'•.>.)'.''•'-.' (ii) The premium stated In-the schedule Is a deposit premium only which shall be -'U. credited 'to the .amount of the earned premium, due at the.end of the policy period.?,Earned premiums shall be computed monthly by applying pro rata of the annual tali lot each Coverage afforded to the'total amount ol values shown in .' ; each, of .the named Insired's monthly statements and, upon notice-thereof to i- the «anied Insored, -shall become due and payable. Upon expiration of this insur- ',.,.- '«nce or cancellation thereof by the named Insired, the earned premium shall not ";i'i• be le'ss than the_mlnimum earned premium stated In,the schedule; '•,;: (iii) IT upon; cancellation 'or .expiration .'of. (his 'Insurance, the earned. premium ^cannot bt'determined,because of the Bailed Insired's fiilure to render the f the total •npany's liability for all loss.directly^ttribuUble.to a ... loss occurs shall not'exceed, as to all-covered aid ititnal or temporary location'or. as'to a'covered ant i«i I«MJ ncpiji IIN§ . ' . » • • « r* 1 • " ' • ' * - • ' ,The':namid Insured shall render, to ••the company, pri or before (he fifteenth day . ' . • • ' i t - ; I.1..* It. __ ML _.l _'• _ ! _ _ . • ! I. t 1 • ml »l _ . It . • > |. and days Each Identified cash for thd use of the named stored at other than the additional applicable limit oMiab'ility slated in:th"e sch'eiJule;.providedI that, il. the.premium ,'^'|"J'i'-''crMited':tb'i basis for this insurance is indicated in the;schedule as:> '-'•' • ••' -.••.!•; i.: -:. ,•• . . .-, t. (a) "Monthly Reporting" . " ].:-••• <£. ',;• ;S- (l,|j; ;,;•'; '. The company's liability for any .such loss.shall, not exceed that | uiktrn ' i " I I i ' ' '" ' "•' • ''l««.ip' 'i • ' - • statement ;-; schedule ' aitomobiles '• ployees thereof but, if the first is delinquent shall not exceed < . applicable location.' (b) "Quarterly Reporting" . The company's ' which (i) the aggregate actual cash values. :• occurred or where the.idamaged 'quarterly statement last rendered: (ii) the aggregate actual •cash'j'values' statement including, with!respect schedule as the main sales •automobiles made available;for the use :'ployees thereof and privately stored but, if the first quarterly statement required is delinquent as of the dale of any loss shall not exceed 75% applicable location. "Non-Reporting" . , he company shall not \---covered automobile than : premium only which shall be .. .„ ... ... less, failure to protect shall expenses Incurred In affording " request; . .'•"••• .or any of its authorized •l*U?.:':_. •»,-,::.. , ~ ''. '. . . V > . I r repair or replace requested by the company the • part or furnish the labor and ; shall pay only the actual cost before.the loss is paid or the ",.«,i...j i..f»».i.ii."j m V«, s'iu-j '^u, iiii,;,!.. ir,:i., »r -.mitr,ill,; k.i^ ku•: . toiBftB loumiBne .is so replaced, at its"expense return any stolen covered automobile consigned automobile means a land motor vehicle, trailer .or sem.trallcr. held by • ^ ^ ]Kmt ^ ^mn[ for ln^resu,,ant dafn,ge thereto; or may take all " i or par (.of .the damaged or stoleh covered aitanoblla-at the agreed or appraised value ,but there(Shall;be.no abandonment to.the company, j, r. • ,.;.-/.•,-, ^ its equipment and other equipment permanently attached thereto (but hot1Including; ;%••>•'/ffr'.'.MU*'',:1 !.' S '•<•; . T|'-V ',-i i •* -:l' ''. ,. . , ,• . ' ... robes, wearing apparel or personal,effects), which :is of a type: designated in the • " » "le.Miirt '.""r". »nd tne company tailjo,agree as to the amount pi lost, either schedule as a covered automobile 1 Id which this insurance applies,and is: ., ,'. . .may, will (a) held by the named liftnre'd for sale;'or:''.';['•:' >.-•*.' .-••• ?..•''.-'' ':• ' sucn (b) consigned automobile means a land motor vehicle;, trailer or semitrailer, held by • •:' Ihe named insured for sale, hot owned by the'.named Insured nor,! encumbered by a •' °t security interest of a creditor of[!ne named insi'redj* .' •*' :-'"iiY"i "•••••- •: v -'•"!! ?j, • "covered automobile" means; a land motor •.vehicle, :trailer. or semitrailer, including". '°u used in the named insured'! business as'^a-sales, agency'or .dealer for'.such'' '• Prllse,r vehicles, including repair service therefor^ or as a.^emohstralorj'or;,. •';':'. •;; ^ ('PPflls if so designated, a cens!gnedjaitomobilej;6rv'''li<''..•: 'i:: i''1 ,^K'.' I'./V .»'• •'•'' • » held by the named insired-pending delivery!after;,sale;, ';.'.;,'.l'.,.- •}.?••'- .••"•'.••!.'P., w ,, ........i;6Q days after proof of loss is filed,,demand an appraisal of the lots. In :h'evehtUhdj named .lisired and(the.,company shall each select a competent ao- liserpario.-.the.'.aooraisers shall* select'a competent and disinterested umpire. • The t»ii>iir*} Ali^itl ', viola'' ^•n«^a'*tit tka ' M«I*/II*| V*»li u«lit« *rul 4kA kitiAiint ' fit !•«• mnA (c) (d) held "loss" means .rr.-... ...^state^separalely the;actual cash value and the amount of loss and failing tojagreiishall-sqbmit their dijlerences.to-th^ umpire.'An award In writing of .•„• any twojisnall 1 Seterrnlne.the amount:of losj.'..The,named Insired and the.company .• »l«all &A/>L'' •kJu'' t(* '*|IM»AH •M<tr*1**r ' an*! #h*ll k*«p' •^iti«Mw III* Alk«r •*rt*H4>«» A! Ika .... ....... - di"e?t"and"ccidePneta1'n|?ss'e SamJge^3'6^ f.'W-.. -J*'!«i'-'!i 'l-$halJ,ea.clii.pJY^t$>osen. appraiser .and shall bear I equally the olher expensM of the "named location" means the; location, 'or sbac* wilhln the (location, used by.the' i ^"^"^.PP!1;?-/. [:i;'t..- ;!'J.I ';.ilv:iJ., l.J.,^.1 L. ._.^;,' :!„.. named dress "security I insured as a place of'display,onstora'ge'df covered adtomoblles, at each Id-. '• ' The^orrjoaliyi.^!! not,be field to,l]av« waived any,of its rights by airy act relating shown In the schedule;)' '5-,'i ".'•.,' WjC- r; . >. < < • .- i - / - t . ' <». »PP^!sf[->iV'''"''..^':r; ''' ( ' ' M •• *' r'-;:! i. ritylnteresr means the interest.of any creditor liia covered aitomilblle which = 6, Action i Against Company - '• . f . , . • . - • ;i. .No action, shall lie. against (he company unless, as a. condition .precedent .thereto, ii__»j • _LLil Li:.*. 'L.1-- IT..11 _ _ _ _ i * _ _ _ J ,* itL _n . it_' l__. LI «L!_ i__-___ iii\r until i. provided insurance. t^a'p'plic'aVO scheduit :bea"rV io the total T Valid and collectible Insurance against such lass. • 1 ' Insurance isnail Inure directly or Indirectly to the state wherein - CONDITIONS ' • of the Conditions ; it", "Subrogation", ttv_. This insurance shall , . ; , : - . - ; * • - - • , - ^ r i ; . \ - f * i • ' - -VA^ -''V ' .:,i ":>!>>:. -:- IB, ' ~wing spaces ;>.^-:f^fW^^^ ; :; : ; ' •• ireceoecToy an;as/e;7SKi(*,).rioed be'completed*on/y./MWittnoorsemertli/sii/sSUedlsUDseduenKlo preparation of Ihe Policy. ^^mn^mM. :^^^H^'ii^iM^aiM - • •' . SEPTEMBER -20 ;'!.1l9BiV- ,• • ' • ' . . i<\'^ '• :• ' pijns.ijPwt of^ollcy No,; '^ lGALl: '50ijli453^fa-::>: ' ' £pOME$iNSUBANCE COMPANY,. ^ .- S'H'tlJtfS*-' *? .•;.!••(•••• 1 . V-J •.'!*! •N.'-lt? i? !•;•..» '. ' •! i - i fc.a-p 1 "I i •• ^ I * * • 1 ... .— .-^ . . . .11'. - *. — — J. i •. •> - INC 7. . • ^v-i'i--^^'"! .vflM *, •• . -..u , » • • ; ' . - . . •••-.« M-. ^-'.. •., '. rf^rJ^vwii-iv;*^*"^:1^ v'U"1 ^ ii> \1'• - I'v' "'•; : SEY ! MOTORS :'=• HOLIDAY!'RENT. .-A. CAR ANI),;l:R]^R^ftRpP.E.RTJES|iJ:5j' .! ;,:V . •' A.T;•'jij M.Ar jv.|fe'[:'---:.^'- ?v-ir$ •'"';;^-:v^^.^^§|a^;p^^•$\aljg> ^'; i; ;'' j• ^' !•*> ——————————•—•—•—————-———:——•—*————————————•———•—:——————•—;——-——!——••r-r.r . *' •«—fTt T^^r •tr-—-r—:—r-1—•—r~f—'•**!——r~———•—• consideration is Understood and ' .;<. "iij'li-;: .•lf!sSj..*K:i>".^ j 'i. -i"; *•.... .,' «^'•?•-,<•; '•i/''*?}-* •illl«': yS^^I'^iifefM *:¥:,•• ••;' ''.;'•• • ^,:;).'-.W- V^:?-!'.'::1' ?#:;'*•>'••. j!>:fr:W fet^^iite-nti^s'-^ff-r^ i- !:':i'i:!l-:^:K:v/i ,-•,•;."•.•?; >' ^^.^^tej^'K-l^'-lt^^^1!'!^ !t i, ' • ; ' ! • . ( • • • ' • . . • ..)!'•; r.. .•'...• '. .•...•...;",'•> . .;'• '. l;i;f-'J1.sl!!r.V.'-•'••'»•• i it mTT -»!-nr. V -.T.-IT tr-! LLES INSURANCE,:INC Ihorized Representative , • .^ --i ,*t' £aml .: TUT <-'03 2136 :;-rU;!'.'T'./::'i.';^l ;1|!;!.:'; -.';•' iV:'i;r: !.''•; ." '-'^'Geneiai-Autbmobile Liability Policy NoGAL500i453 '*• ';:' De^ d Insured ,-v --I-..> • ,^;- - ri'.-iil r "i!" r !•*>' I I'fi'l'Mu ' • : 'lS; '?'- :Ji *'. 'll ^l'')',• --:.i "'i-MWti-f1';^'--!'"-1 :i*. J. '*• Jr'. ;'-• >''t*' 1^ 'A - •» '. *):'i' ' '(•;'-'• V'*-"' 1' .is. ||. f . v. I ;.'^. I <( i.i r/vy , .( jt l - l . . f ^ . . . . r -.IV ET f.V-fj t.C: '. ^-' - p » . . ' . . 1 . 'r: • • * ^ I '. V i • * '..'- ''! ;: it\:<'Description.^!. Insured Highway Vehicles (bhe'ck/app'fbpHate'boii)"^-!^ company Will illy entitled , highway.'vehicle' ident and .arising, highway :|ve hide- whether ,the amages, 1 and ,ur such tic named,insured and ur .the spouse Use principally off public !:.' •><.; md-riiK vehfcle'" means a highway vehicle which causes bodily Injury to an ed arising out of physical contact of such vehicle with the Insured or with ilcle which the insured is occupying at the '•• time of .the accident, provided^ ' icre canno! be ascertained^the identity of either the operator or,owner of uc.- " ^way vehicle; >'..£' v:;.V,':1 !:H ;•!';.:.',,': ' . r,l; :' ;.j>-:.U;. ie d or someone on his behalf stiall fyave reported the accident within 4 fro._, to a police, peace or judicial office'ror to'the Commissioner of Motor chicles, and shall have filed with .the company within 30 days thereafter a tatement under oath that the insured or his legal representative has a cause r causes of action arising out of, such accident for damages against a person - , • '.•, ! > < ; l > : -v-v ..,-.!"•, ;. ;t he, or. In the. event of his Incapacity his legal, representative, or in the event .of his death his- legal representative or 'the person or persons entitled to sue *, therefor,' shall,, Upon each request .from the company execute authorization to .. enable the company to obtain medical 'reports and copies of records. ' ' r C. Assis , ,, ble the company to obtain medical 'reports and copies of r ,:iftrt:&!*j^':';.'rir.' : ••';!• ti\ . '•]. ••]• : !• istance 1 and Cooperation of the Insured, 1 <,.! -,'•• : ' '*>*'it' • '• • * > i : ' . l .!L'J__ ti» » ! ' • ' _ _ _ li. _ ' . . . _ _ _ ' _ . ' r,persons whose identity ls';.unascertainable,'and setting,forth the facts,in u'pport thereof; and . J|'"| ) ' '': -l;,^*'(•' j'.j;:'•../ ,' '• . •'.-; t ths company's request,, the Insured or his; legal 'representative makes - - - - • • • • , vehide.which t h e Insured,was occupying.at,the ins a highway vehicle:': : ; ".'• i ; ivVv, ;.-£>•' *• '•*! » . _ _ _ . _ _ j i_»_i__.-i.-.".._Lf_l_ * _ ...LI_I. *u_ L.j!ii. breakdown, repair, servicing, loss orjaesirucuon; •-•• • « - _ . •";•;'vt,>,' being operated by the harhed.or designated,Insured or by the spouse bf. : if a resident of the same household;) '!,.'({:-'..,.'', ;^v,:. . , .\;/.(£••*. \ jrm."insured highway vehicle" shall not include:..»•'>,.'.';.,i: viViM-ir' ..*• ivailable for inspection the, ime of the accident; ured highway vehicle" means - .... . . , ... (escribed in the schedule as ait Insured highway vehicle to which the bodily njury liability coverage of the^policy applies;; -v. '";i $//-••.•' '•"'•• ?'i':' vhile temporarily used-as -a'1 substitute .for an Insured 'highway vehicle. 3s Jescribed in subparagraph (a) above, when withdrawn from, normal use because )f its breakdown, repair, servicing, loss or [destruction; ">• •' -1", '•'';•'''fr while being jither if the term a vehicle while specifically a vehicle while under subpar; 'any designated insured or any;resident of the same housenoid.as :tne name or designated Insured; or 1] j .,'•?;';,.V'',.1''{, ''jj/r'.V.j!:', • -''*'.'!v.i^ ''Ji :,, •''~ • .•• under subparagraphs (b)'and (,c) above,'a vehicle furnished,for"the,'regular ' use of the named insured or any resident of-the same household;: •' cupying" means in or upon or entering Into or alighting from;' ' ; ale" includes the District of Columbia, a territory.or possession of the United lev and a province of Canada;);''•:, ;->!: l^.;,,••;:;;;:.:< ;: ,:- ';,". ••':.• •;.; . linsured highway vehicle" means: ;'-i ' i':'.fr'j'<''•• ;' * : •'''•'.. '?•• '• '' • 3 highway vehicle with respect to the ownership, maintenance or use of Which there is, in at least the amounts specified by1 the; financial responsibility law of "•- state in which the insured highway vehicle Is'principally garaged, ho h ijury liability bond or insurance'policy"applicable'at> the time of the • at cwith respect to any.berson or organizatiqnilegally'-resporisibleMor theTfte of such vehicle, or,with'respect to-which' 1 there is'i/bodlly injury liability bond or insurance policy applicable at Ihe time of the accident but the company writing the same denies coverage thereunder or h or becomes, insolvent; or • . '; ^ ' ' '. ^'i';'-. "'*; . -.' '' .-;', ' . %. .'; a hit-and-run vehicle; ::.|.':.i';•'','.''.''.." .'•iir'-'.'.'1'V1.',' ,;; ',«'!,' r,:.''[.',.'.'-''.-.': t the term "uninsured highway .Vehicle", shall 'not,Include:-.,,,, . i. , '-'^ ) an Insured highway vehicle, ^•.••ii':-j!*f "l-!v|-;l':*'•>' ' .,' 'I'1 v ; :-': •"'•''" ) a highway vehicle which is' owned or'operated by a self-insurer within the . meaning of any motor vehicle financial.respbnsibility.law, motor carrier law or any similar law, ' • }'-.v, •'<'>'• .•^•VjV^; • '•''•' \. '•"',"'/'•''•' ';v.": •' ) a highway vehicle which is'owned by the United States of America, Canada, . a state, a political subdivision of any such government or an agency of any , ,of the foregoing...... . '.\ '".;,,'' '; .':i.-^.; • ' ! ' . ' - , ! : . i ' ' - - . ' • • . ' • • ' ' . ' ADDITIONAL CONDITIONS 1, T • '-':"; '$\ '''V; !' t"'' ' ' ''\ ', 'remium. !'' :' : :|"'.•'••'.•' !' , , - f during the policy period the number of insured highway vehicles owned by the ' lamed insured or spouse or the number of dealer's license plates Issued to the, lamed insured changes, the named insured shall, notify the company during the >olicy period of any change'and the premium shall be'adjusted in accordance vith the manuals in use by the company. If the earned premium thus computed., exceeds the advance premium paid, the named Insured shall pay the excess to he company; if less, the company shall return to the named Insured the unearned lortion paid by such insured. •;. ' -', u : • "••' • •, , '• • '' 'roof of Claim; Medical Reports.';" !: • .|';,f , ' • , • " . ' ' ! •-' \s soon as practicable,''the insured or other person making .claim shall give to .he company written proof'ol claim, under; oath: It required, including full, particulars of the nature and extent of,the injuries, treatment, and other details1, entering into the determination of ; the amount'payable hereunder. 1'The insured and every other person making .claim .hereunder. shall submit to examinations. jnder oath by any person named .by the company and subscribe the same, as often as may reasonably be required. Proof of claim.shall be made upon forms furnished by the company unless the company shall have failed -to furnish such' for- within 15 days after receiving notice of claim. ' ' • ' ' .- ' '"'.: Tl ed person shall submit to physical examinations by physicians selected by,_. company when and as often as the company ^ay reasonably require and ;-o. •-(( vr'd Afler''rio[ice, of, claim1 under thisi insurance, the company may require the insured ' to takeisuch action as, may be necessary or. appropriate to preserve his right to j recover damages from any person or organization alleged to be legally responsible '*,(or).thiibodily injury; and-irTany'-action against'the company, the company may 'require'1 the, Insured to join such, person or organization as a parly defendant. 1 ;>W:lIV!i': • •;. . -.i .'i-V ,t ••:, • .' ". • •':- ., . '•• ,:.Ndtici"df.Ut'al.Action;;.r;-"^ NX',!'/"!ifr ' ' . ! ' ' . '' "' ; • il; before- the i company "makes payment !of [loss hereunder, the Insured or his • legal •trepr4semalivei:hair Institute 'any legal action for bodily injury against • any person or';organization legally responsible'for the use of a highway vehicle ['Involved In the 1 accident, a copy of the ^ummonj and complaint or other process "sefved;jri'connection With such legal actipri shall be (orwafded Immediately to .•l.the.crjrtibany by'the Insured or his. legal representative. ' j' • ' • " • • utneriinsurance. ,-. ui,.(..,,; i •;;-'•:, H ' ' i With resp'eci lo,bodily Injury to an Instireq while occupying a highway vehicle not,viOWned,by.,the named, Insured, this, insurance ishall apply only, as excess Insurance,over any,other.similar, insurancej.ayailable:to. such insured and appli- cable'to slich vehicle as, brlmary Insurance,! arid (his Insurance shall then apply only In'the" amount by which,the.limit of liability.for this.coverage exceeds the applicable limit of liability of such.othef Insurance. '.: ,M; -' ' . Eitcepl-as .provided iri'.the,foregoing paragraph,',!( the insured has other similar insurance available, to.him and applicable,to thd accident, the damages shall be : ..deemed: not to .exceed ,the :higher,olj the i applicable limits ol .liability of this ': Insurance^ and suChiother Insurance, and Ihe company shall not be liable (or a ' greater, proportion'of any loss to which:this coverage applies than, the limit of liability heteunderjbears'to the sum of the applicable limits of liability of this : . insurance^ and'stich'other,Insurance.•".'•;•; ;lr'.l ' . - - • . ' ;-;r ' : F. Arbltatlon.'/! .',vHi''v^ V*'L- >:. :- ' ' '••"' 1. 'j '' ' '' '"'- If: any .person-making,claim hereunder and.the company do not agree .lhat. such '. personals legally entitled to recover damages from the owner or operator of an uninsured highway vehicle^ because of; bodily Injury to the Insured, or do not , , agree Ss 1; to the Amount: of'payment which may be owing under this insurance, 1 tnenr\upon'Wrlttenidemand of'.either, the mailer or matters upon which such ; person.and.the company.do, not agree shall.be settled by arbitration, which shall ,'4 (, be conducted ln,.actordanCe^with, the rules'of the American Arbitration Associa- •: tlon unless .other means of conducting the arbitration are agreed lo between the K . Insured tiind Ihe ••company, 1'and ^-judgment upon the i award rendered by Ihe :-, arbitratdrs rnaybe-eritered In any court having jurisdiction thereof. Such person ' and the/company each agree, to .consider Itself bound and.to be bound by any award .made by^ the arbitrators pursuant to .this insurance.;; . G. n the,event of payment'to_any'person urider. this Insurance:''' ,; ' :. (a) | the 'company shall be'v entitled to the exlent of such payment to the proceeds ; v ,t;i ofcany settlement or 'judgment .that may result from the exercise of any rights • '• of recovery of .such person! against any person or organization legally re- to ' . esponsible tor the'Jiodily Injury because .of which such payment is made; (bi'^ucfiyperson'shallyhold In Iriist tor the benefit ol the company all rights of • recovery; which f,he! sh'H .have against such other person or organization •.) -:!i. because -Of/.the,fdarnages which are the subject of claim made under this _ • ..;. Insurance; .,'<:{.'iS:iv ::v f, ' - . . " '••,"'_ *< :", :•• ' ' ' " _ . . . . , . i , . . , _ , 'vtc'j^ucfi" person shall do whatever is proper to secure and shall do nothing after . •'.'• lossJjo. prejudice iuch rights; ' . - • • ' ' . • : i ' (d) if requested In writing bv the company, such person shall take, through any • • / , • representative designated. by the company, such action as may be necessary ; rC.oh.approprlale to recover such payment as damages from such other person . ' ol"! organization, such action to be taken in the name of such person; in the •' , a recovery, Ihe company shall be reimbursed out of such recovery . (Of. expenses; 1; costs and attorneys fees Incurred by it In connection therewith; (e) s'ucN fiersorl shall execute and deliver to the company such instruments and papers, as may be appropriate to secure the rights and obligations of such person and the, company established by this provision. , - . l ' . " . v . ' ' " ' . • . • - ' • • " ' • • • - : • •••!!. V :-.l^.'."V.:v;;..''"' ;M > . ! • , . • - : I,J. H.. Payrnenrof Loss, by. the Company. '!'';i; j t,'^ '; '•' Any amount, 'due fiereunder is payable ji'' :* •! ,- • :-; (a) 16 thVlnstiredi-or'^i:.":^ ••'•'** v - > ' ? J ' '•': ' • ' . tb) If the Insured be., a 'minor to his parent or guardian, or (c) If thj>' Insured be''deceased to .his surviving spouse, otherwise (d) to a person authorized by law to receive such payment or lo a person legally ' ' entitled to recover; the damages which the payment represents; provided; the company may at Its option pay any amount due hereunder in accordance with division (d) hereof. • , • • ' T!JT 003 2138 ILE •' General-Automobile LlaDill Tmrinsurance afforded,Is^only with respect to personal Injury arising out of an offense.",ln'cluded;W|thltri-such,of the:jfollowing groups of oflenses as arc Indicated by specific premiuiin charge 1', or charges. '' ••''.' ' " ' ' '''•'"••'. • >' ••'•'''.. i»t'^(;'|i-V'£\ffi,;:C;*-']' • !''*-!:'V:"-';; * t>«y yf '•?''' V',' 'i ' ' • ' • ' • • :;•:$•' *•'• CROUPS OF DEFENSES '^•^?'£'W'$V$'J-.<!< ADVAHCE PREMIUM A.~False Arrest, Detention J:br' Imprisonment, *' or Malicious' Prosecution.'.' $ B.'Libel, Slander, Defamation : or 'Violation* of :';Right^of Privacy C. Wrongful Entry or Eviction 'or Other ^Invasion of Right of Private '.Occupancy Insured's Parlicipation_JljL±2illJi-%'rJ:l \* V^'ii$•'• '•'•'•;' 'I Minimum Premium . premi extent set forth •"' i an Individual, the .ut ,;nse is committed during, the policy period SUM, nS territories or possessions/or Canada,'and it and duty to defend any suit against the .Insured,! such personal Injury even if any.!of; the allegations; SvTtt-i 5rJ:jWi^"fift-*' Jnl$;.|nJil(aiitel(loes;chot:apply to bersdnal Injury arising out of J within the-United Stales?of '•-.. parlnershjb'j or..joint ;venturj of. which 1 the, Insured Is a partner or d the company shall.have; the'-f ,ls not designated,In thlsjwllcy.as i named,Insured. '' ' >< . ;\ ,'seeklng damages.ori Account,,;•{ vT,H^''^^*V»!!^'''''^i^;^^^f;'r'!^ ^' ' 'i" !''•'•'! V:•; s'^of line;^suit'(are. groundless, .^t'|jj« ^MJyilTS df^' LlABILitYilNstiRED'S PARTlCIPATldN • • i '!;-( I*. Jt!u~t*S ^"^L'H-x'iv' ReearJiess'of the number of tl) Ihsufeds under this Dolicy. (21 b member and which lility , has been exhausted by paynten^ This insurance does not apply: to liability assumed bv the liwuisu unuci <ni;,v,uiuia\,i «i agiEemciKi'•/.jf'hi'm}AI—H ui . ... . . . r. i • !• . i j ,'[ ' I'. -,.'. ,*i. K p • • I' : ' ' • ' ! i ' I '-i*^^*''"al^Snail D6' ,to!personal injury arising out of.'the >wi (ul i violation; oi; a penal sta utejO^jj j-,0r, ordinance;committed by or with the.knowedgef.oi;;consent of any•Insuredi.^ilS.the/hif to personal.Injury sustained by-any person asV result"of an' bffense'directly.«B.;•-.•.<*(,$ or indirectly related to the employment of such person by the .named Insuredj-;.-y;' ' to personal injury arising out of, any'publication^or^ utterance described In Group B, If the first injurious publication or'utterance of the same or similar . ' . . ' , l _ l _ l l • 1 1 I S L L J l . - _ ' _ • - _ _ _ ! _ _ _ • _ - material by or on behalf date of.this insurance; ........ _. .. coverage nal Injury liability stated in the i:.:>V'^:iW^' Schedule for the Insured, the of, any loss than the difference Land the balance of the loss uunnoy. the-Insured; provided, the company may pay the Insured's twmuii Ibflfect {elllement of the Joss;', and, Upon notification of the action taken, i iwn.ij;u.itr «,-™.HI. fe|mburse' the,'company therefor.' • ' '••'*'' ctly. v;;.:^!;* >w&fe&ii*K;:&i;-\i i.^i..i,:t;' 1» h)'- j-;. •:<K'i'i>f^n ^rftViiSnKiUTlnii *''»'• $ J'' U- ' *ii ^ In ,f> J-'..;/?""; ttaffU".^'^.^!'..! itvtOl'VvK 'IT' ilar '• n^P^^^'^.W6.8 i?^hl? ln.sufah,ce; .« V' " '' . . , . - . • - . - • only; those damages, which , are ayable; because of personal l _._ '-11 «___! • »J" _ t.t.L »LI- !_:_.._ ___ _ _ _ ! • _ _ i-^^m^ '.^T^r^'t^'M'''' i; • -^-V:!;./-;!^/!^:-^:; ' '•••! -,.•"' •••'< •': '• •' ,^'^.\''- ii-f'X .'^^!'i,iii*^: f'? 1' 1 *<:':>-^£&&&8i$km 2139 EMPLOYER'S LIABILITY STOP-GAP COVERAGE ENDORSEMENT It is agreed that such.insurance as is afforded by the policy under Coverage-Part..... Bodily Injury Liability, applies also to the liability of .the insured for damages because of bodily injury by accident or disease, including.death at.any time re- . . suiting therefrom,! sustained by any employee'of the'; insured. arising"out of and in the course of his employment by the insured in thekUnited States Virgin Islands; ...„,..,. or in operations'necessary" oir incidental tHereto; subject^ to the following pro-: .\ visions: ' •.' :' : •• • V' 1';:!-.''. . :••'••. '..'•• '" '^i^-pr;' • : ; • ' • ' • -.'.'• : •'-' :-\\.^-.', i . A. ^This insurance' applies; brily''provided the insured. (1) hasj where)required, filed acceptance'!ot, .electionrof the workmen's compensation law of' the United I States Virgin Islands-andi-will not. file notice of-rejection of' the-, provisions ! ••• • of such laws during the policy period, (2) has insured all employees required •. to be insured under each such..iiaw ..and (3) duly reports .all payrolls-and pays .1... all premiums duej thereunder. :•: r. '' ' •:•?>'.'<• ' ,••- ' r - ; l .'•'.' '! . B. As respects the insurance afforded by this endorsementj the exclusions of' •>-/• the policy are deleted. .: This insurance does not.apply:.: , ', .',; , a. to bodily'' injury by; accident or disease, Incluaing'death at any time re- sulting therefrom, (/sustained by a. master of'niember of .tltev'crew of any vessel or by any • empJLp.y.ee;iof. the insured-:.in the course, of an Employment-subject to -'^.<-- the United States, Longshoremen! s~atid Harbor 'Workers' • Compensations-Act, U.S...^ .... t-. ^_^ Code (19A6)iTitle 33, ':Sectionsi3Ql-W or the'^ederal JEmployers1 Liability ..;^;r """" Act, U.S. '• Code. (19A6) Title' A5i Sections:5i-j,60i'xsUstaihed by-'any member of ,; the flying crew of any aircraft, or sustairied',,by;' any employee with respect ..'•;.». to whom thevinsured ;is not...required to contripUte .to. a workman1 s compensa- tion insurance fund; '•'•'•'.' ;' '.' ;• ;:$:^-^f'- **"•'.''*.•*• '•'• '• '•' =''•':' ' •• -—•- - b. to liability assumed by the insured .under., any.'-coritract or "agreement, but this exclusion does not apply to a warranty '.tfia't.work performed .by or on be- half of the insured-will be done in a workmanlike manner J.>•:••'..! . c. (1) to punitive or exemplary damages, on., accplirifc'of bodllv/iinjury. to..or... - death of any.employee employed in violation rpf^iaw/- or (2),. withi respect to ~•'" any employee employed in violation !of;-law!ijitiK'the/Vhbwiedge^or'.'acquiescence of the insured or any executive officer thereof j,;I : -...,. : .' :, d. to bodily injury by;disease unless prior toy thirty-six months after the ' • end of the policy period written clain is made'.or-suit is brought against the insured for damages because of such injury, or-, death .resulting therefrom; e. to any obligation for which the insured .orjany;carrier.as his insurer.may be held liable under .any workmen! s ! compensation >or, ; occupational disease law, any unemployment compensation or disability! benefits ^lawj,' or under, any si law;' ,| -'. .:: ;•;.. ; •''/. ' ^^^'.^ i;X ,' j i : ; .' ^ '\ '• f. to fines or penalties imposed on the insUred''for failure'to comply .with the '•''..',• requirements of 'any workmen1 B compensation} '• occupational. disease or industrial ' "~" safety' law.-:. -. , ! ! . . ' ;•' 'V'; •..' ' •'•'.• : '...,'•'• ••• •!.'•'! ' •; |:- :: i ." ' . -. ,/^'v.';••-;' :' :/., '. • ( •: ;.; :M'.',:;;: ..-.[]. :y. !:•;.•; C. Definitions I , ' ' . , ,//(;• :|;.;-;.' :.'';j r" , ij: .ij.l'i.; ; j r ; : " . ; ' ' ' '''/v-^ ' i :! ' - ; ' • • , •:::;^";:'i/-:;"i;'^^iiirh!;J!...l^'tl^tJ-^. "\-; . \ ' •'$ a. Bodily Injury by Accident; Bodily. Injury ;by: Disease;ilt.The 'coritraction!-'of :j! : ••:' :. . ; . .... '\'f''.i'. .•-;••. ',vi-;.j (..-.:•• 'Viij .IM w i . . • il ; : ! ' : • . ' . - . • ' . - i i i - l i - ^ V :•':•;•,.!.-:•'• •;••'••.. :)li!:>!'.f v - ' ' : - • • ' • • : ' • • ! ' similar.. 2140 .2 - .. '$•:•<. '; ' ' .'.)' . »' ' ;.',.^,;••: "'•; • b. disease is not an accident within the meaning;bf the word "accident" in the terra "bodily :injury,:by accident" and only such; disease as resulte directly from a bodily injury by accident isincluded::,within the terra,"bodily injury by accident". The terra ','bodily injury,by diBease'Vjincludes; only isuch disease as is not included with the terra "bodily injury^iby,^accident". _ •'[)'' .'''•'•'• • ' • ' " . ' , ' ' • , .'•• ' ' •. • •••• •'' V''">ip'O/-•'•'. .-* * • . . • • ; ] -. : ' ;" Assault and Battery. Assualt; and battery shall.be deemed an accident unless committed by or at the direction of the insuried. .: ^ '• : •'•• , Application of Endorsement • , . .• his endorsement applies only.to injury (1) by accident occurring'during the olicy period, or,|(2)i by. disease' caused or aggravated :by exposure'of..which' the ast'day of the last exposure j in the employment'of the, insured i to', conditions ausing the disease' occurs; during the policy period] ••>.;.. *>'••'"' '*'• - Limits of Liability ' v ' ' • • . ' • > - . ' • • . / he limit of the Company! s'i liability under this endorsement is $ , ,- amages because of .bodily in ulting therefrom, 'sustained of" 1 -limit of the Company' s^ liability for, a c a m s ; arisng f .s endorsement, shall not exceed $ *• 'he limits of liability stated herein shall iability stated elsewhere in the policy. K. in any one annual period' bf/!insurance : '• ' ••••i:.ri; :;H/,.',- ; , ;•• ' : -- • • :' •..:.' 11\: • r > Yl r"t "•'•' \-;' •• '• ' , ' ' ' ' ': 11 not be cumulative with any limit of , ' • • : • • • ' . • . • . . . . - , -v ., ••.-![•.< i .) '•' • • '• • • • • . • 'he inclusion herein of more than, one insured shalisnot' operate to increase..the .iraits of the Company's liability. ' . .•'•;.';.! •'}t "-<'•• ••'':••• ' '. / ..' ''} ' '. • . ' . ' • ' - • • ' • .jil"' V:- .' • . '' - ' • *300,000 ,- ':?f'-?^:-''•''• i ' v »'',(• "' '. ' . ' '•'-.' •.•: ' • ''':.-i.^v.i v..',':; •• •.. E.L. (W.C. 7/77) 2141 AKflUDATOKY ENDORSEMENT-AS^ KESl'ECTS i o ' c n d o r c c M i u n t forms a part of the pol Icy! to- which a t t a c h e d , e f f e c t i v e on the i n c e p t i o n date unl coo. othcrwi r.e stated lierciri. • . ' ' • ; : . ' ; , (Tlie following information ic rcqui.red'drily, when this endorsement ic iuciicd subsequent to preparation of; ;;the'policy) | •!,:' •.;. i - . • • . - . Endurnement Effective 9/20/81 Policy Nd'r:.GAr; ^°P1453 Endorsement Ho. rnmc\n--urcdRAMSEY MOTORS: ' H O L I D A Y RENT A;';CAR;&; ' , ' . \ ; R &R PROPERTIES, INC. A. T. I i.Jji.A; i ; ' ' ' ANTILLES I N S U R A N C E , INC P r e m i u m $ ( I n c l u d e d ) ; J Countersigned ;by . ' : ' ___________ • ' ; •. ii'J'i'.-' ;< !-<', (Author! zed . Represent a tlve) > I . '.'i'JjT • • ' • • • " * • . * ' , • < • ! • , • ' • • '• > . • ' It is agreed that, JJJLJiIlg^cj^!kLnJ:J_Jtodily Injury''and Property DnmaEC Liability Li_m:jtK_in ^be_-'S:lL(;^!1^-£._of_t!1^ §._P°L:Ly _g>^ct;cd '$200,'OOP ^-ncli oc_clir_i cnce , the L i m i t s arc combined into a single limit of liability -for both Bodily Injury and Property Damage liability and are amended to'reiiid'hs stated below; but only as respects occurrences within the United StatesVpf' Aiiierica,: Puerto Rl.co or Canada: ; $200,000 each occilrrcihce ; $200/000 --- - - j'' r - ;;" '• ' It is further, agreed that Section 111, Limits :ibf. Liability, is deleted in its entirety a n d ' t l i e following is substituted tlierefor: ;. •. "^III. Limits of Liability. ' ''<&;'"^-•f.•. . ',.""•. •'. •' .'•' .!'• •• Regardless of, the number of (1) insureds under:;ithis policy; (2) persons or organizations who sustain bodily injury or pfopertyV;damage^ (3) claims made or suits brought ort account of bodily injury orjprpperty damage, of (4) auto- mobiles to which this policy applies, the Company' s', liability is limited as follows: ; : • ' . ' :hf :/i,.,'•",'••;: .'•! { Single limit of Liability - The Company's limit-; of .liability for Bodily Injury and Property Damage combined stated in Paragraph,i.- above as applicable to "each occurrence" is the total limit of the Company'.S; liability for all damages, in-, eluding dnmages for care and loss of services,'-'arising'; oiit of bodily injury and property dar.agc sustained by one or more persons or: organi zations as a result of ;iny one occurrence. • ;;• , • Subject to the above provisions respecting "one': occurrence" the total liability of the Company for all damages because of bodily injury and property damage shall not exceed the limit stated in Paragraph . 1. above 'as Vaggregate'.1. For the purposes of determining the limit of trjd' .Company' s liability, all bodily injury and property damage arising out of con tin lib us' or repeated exposure to substantially the same general conditions sliaii;vibe"considered as arising out of ne occurrence." SPL A U O / 7 7 ) : \\'' •'• '' • TUT OO3 2142 , '••'<;'.'.• V ... LENDER'S LOSS PAYABLE CLAOSE', J.V ; ' -I '^ ,, an,. u n d h i , p o l c y .1 be payable k'. AD H I .hoTe address i ,.....L.Q.t....B.Q.?LLl.91^ • ft lendc r . nor t g« tec, or t r u s t e e , «s i n t e r c i t ouiy appear : It is understood that tlir lender ble l.di :•"• ; -.' • or trustee nov ha^ or will acquire from time to'time mn Invura- I n t e r e s t in c e r t a i n p r o p e r t y insured under t h i s policy as;istablished by warehouse r e c e i p t s , b i l l s of ni, documentary or other w r i t t e n e v i d e n c e . : it';'; j'^.l ._. , '. ' • • ''I } bi^..insurance, solely as to the i n t e r e s t therein of the lender, aiort{atee or trustee, shall not be impaired or invalidated by any act or neglect of the borrower, mort(a(or,6r owner ot the within described property ex- cept as provided in the last paragraph hereof, nor by any chan|e .in the title or ownership 'of the property.nor _ . . . r * * _ _ ' f ' _ _ _ . L _ « . 1 ' k . I ' l I 1 " . ' * ' ' • • • i • > * | ' _ _ _ _ _ iand, pay the premium for such . increased haiard • f or'' the term of «IHe^Ute, thereof J • othe rwl ie islhl a policy s h a l l . '• ,e null and void. -;j ;j ^, ; ,' ,;J1 | ^, ^ ], . , ' ,;;, ^ >;. ^ .!g||||; ^j^i'^: jSyijiiji ' ,1 ''^ !' ' This Compnny r e s e r v e s the r i g h t to cancel t h i s policy at any time a s • p r o v l d e a by its t e r m s , but in such case this policy shall continue in force for'.the b e n e f i t only of the ithcier, mort(a(ee or trustee for ten days a f t e r . . - . . , , ' • ' ' _ * • • _ _ ' . 1 ! _ _ . - » . t I _ _ _ . • ! L < ' ' ' ' l i - ' t ' * ! K I • _ 1 ' _ _ ! t i _ ( _ r - _ - . _ — _ L _ l t A t t a c h e d to and forming a p. r t „ f Toi icy N-M..] 500.1.45 3 J^| 1^0 flE ^Ji5)i.b.fe.L..C.OMAKy.. of...MAN.CHESTER.,.....NEW...HAMPSHIRE...................-r,IUJ .V^iMt^M^Ulll^L'...... X^ncy- ; • ' . ' - ' ' ' 'i;''! ,.' '' •' ! ' ;" ''».-•.'•:' ••'•. , ; -; t'^-iil '('ij'^ i'lfri!^ '•'I'/'Al'aii • JS-Si ! ' i •' .' i • :•' ••• .. . . ; . . : i:. • • ' . - • ' : • - . 'JiJWl.-a'*;.''^'(i.V. 'M I / (t>St Ir !.rf •<(! '• '• / A STOCK COMPANY roucy riovibiui i»-i ui v wuc ^u...K.-.~ POLICY NUMBER" GAL 5001805 ' RAMSEY MOTORS; HOLIDAY .RENT-A-CAR AND ' R & R PROPERTIES, INC. A/T/I/M/A ' 405 Anna's Retreat 'St. Thomas, U.S. V.I. 00802 January 1. 1983. TO= January 1. 1984 •ANTILLES INSURANCE, INC. • P. 0. Box 2698 •St. Thomas. V. I. 00801 NAME OF INSURED EXPIRES AGENT ADDRESS GENERAL—AUTOMOBILE LIABILITY POLICY APIA __ woniflWIOE INSURANCE ^00173 APIA, founded in 1918, is the leading association of American capital stock insurance com- panies providing Fire, Marine and Casualty insurance protection and surety bonding outside the states of the United States of America and the provinces of Canada. It operates in almost 80 coun- tries with over 200 branches in key cities around the globe. P.O: BOX 9278 ' /' ' . ' ; • •. •'.'"'.-. • CHARLOHE AMALIE '';' :/ ": .V"... ?.• '' :.;'\.. ,': .. ST: THOMAS.',0.5. VIRGIN ISLANDS 00801 ^ > ~ : ; -'..'':••.• '. .'- .'AFJA.WpRLDWIDE HEADQUARTERS: Ho.WILLIAM STREET,' N.Y:. 'N.V^ils'A 10038 470 shall have no obligation lo apply (or or furnish any such bonds; 'n consideration .grees with the The company will (a) all expenses incurred by' the' company, in any suit defended by the company and all Interest on the entire amount of any judgment therein which accrues after entry of the Judgment and before (he com- pany has paid or tendered or deposited in court that part of the judgment which does not exceed the limit of the company's liability thereon; "-, , (b) premiums on appeal bonds required in any such suit, premiums on bonds to release attachments in any such suit for an amount not in excess of the applicable limit of liability of this policy, and the cost of bail bonds required of the insured this pol any veh the comp (c) expenses Incurred by the Insured for first aid to others at the lime of accident, for bodily Injury to which this policy applies; . (d) reasonable expenses incurred by the Insured it the company's requesl assisting the company In the investigation or defense of any claim or suit, Inclui actual loss of earnings not to exceed $.25 per day. When used in this policy (including endorsements forming a part hereof): "automobile" means a land motor vehicle, trailer or semitrailer designed for travel on public roads (including any machinery or apparatus attached thereto), but does not include mobile equipment; "bodily injury" means bodily injury, sickness or disease sustained by any person which occurs during the policy period, including death at any time resulting therefrom; "collapse hazard" includes "structural property damage" as defined herein and property damage to any other property at any time resulting therefrom. "Structural property damage" means the collapse of or structural injury to any building or structure due to (1) grading of land, excavating, borrowing, filling, back-filling, tunnelling, pile driving, collerdam work or caisson work or (2) moving, shoring, underpinning, raising or demolition of any building or structure or removal or re- building of any structural support thereof. The collapse hazard does not include property damage (1) arising out of operations performed for the named Insured by independent contractors, or (2) included within the completed operations hazard or the underground property damage hazard, or (3) for which liability is assumed by the insured under an incidental contract; "completed operations hazard" Includes bodily Injury and property damage arising out of operations or reliance upon a representation or warranty made at any time with respect thereto, but only If the bodily injury or property damage occurs after • such operations have been completed or abandoned and occurs away from premises owned by or rented to the named Insured. "Operations" include materials, parts or equipment furnished in connection therewith. Operations shall be deemed com- pleted at the earliest of the following times: (1) when all operations to be performed by or on behalf of the named Insured under the contract have been completed, . ; • , (2) when all operations to be performed by or on behalf of the named Insured at the site of the operations have been completed, or (3) when the portion of the work out of which the Injury or damage arises has been put to its intended use by any person or organization other than another contractor or subcontractor engaged in performing operations for a principal as a part of the same project. ' ; • Operations which may require further service or maintenance work, or correc- tion, repair or replacement because of any defect or deficiency, but;which are otherwise complete, shall be deemed completed.-I:-^i-i; v ' • ' • ' • ' ' • • ••• ' ' The completed operations hazard does hot include bodily Injury or property dam-' age arising out of ' . • • ; < • : . .. - \ \ ^ - - '?• " (a) operations In connection with the transportation of property, unless the bo Injury or property damage arises out of a condition In or on a vehicle ere; by the loading or unloading thereof, (b) the existence of tools, uninstalled equipment or abandoned or unt materials, or. (c) operations for which the classification stated in the policy or in the compa manual specifies "including completed operations"; "elevator" means any hoisting or lowering device to connect floors or landii whether or hot in service, and all appliances thereof Including any car, platfc . shaft, hoistway,. stairway, runway, power equipment and machinery; but does Include an automobile servicing hoist, or a hoist without a platform outside a bi ' Ing if without mechanical power or If not attached to building walls, or a hod material; hoist used in alteration, construction or demolition operations, or Inclined-conveyor used exclusively for carrying property or a dumbwaiter u • exclusively .for carrying property and having a compartment height not exceei four feet; '• . , • ' ; . • • ' ' "explosion hazard" Includes property damage arising out of blasting or plosion. The explosion hazard does not Include property damage (1) arising out the explosion of air or steam vessels, piping under pressure, prime movers, chinery or power transmitting equipment, or (2) arising out of operations perlorr for the named Insured by independent contractors, or (3) included within completed operations hazard or the underground property damage hazard, or for which liability Is assumed by the Insured under an Incidental contract; , "incidental contract" means any written (1) lease of premises, (2) easem agreement, except In connection with construction or demolition operations on adjacent.'to a railroad, (3) undertaking to indemnify a municipality required municipal:ordinance,'except In connection with work for the municipality, sidetrack agreement, or (5) elevator maintenance agreement; "insured" • means any person or organization'qualifying as an insured In "Persons Insured"'provision of the applicable Insurance coverage. The insura afforded applies separately to each Insured against whom claim is made or suil brought, except with respect lo the limits of the company's liability; "mobile equipment" means a land vehicle (including any machinery or appara attached'thereto), whether or not self-propelled, (1) not subject to motor veh registration, or (2) maintained for use exclusively on premises owned by or ren ; to the named Insured, including the ways Immediately adjoining, or (3) desig for use-principally off public roads, or (4) designed or maintained for the s purpose'of, affording mobility to equipment of the following types forming ' - • • • GENERAL-AUTOMOB LIABILITY POLICY (' PROVISIONS PART ONE Jan. 11, 1983 GAL 5001453 GENERAL—AUTOMOBILE LIABILITY POLICY Part Two. This Declarations page and Coverage Part(s) with "Policy Provisions-Part One" completes the below numbered POLICY NUMBER" QAL 5001805 ^ZZZZ Item DECLARATIONS A / J\amed ADDRESS; , M , (Number i Street, Town * Zip No.) ,' RAMSEY MOTORS; HOLIDAY.RENT-A-CAR AND ' R & R PROPERTIES, INC. A/T/I/M/A ' 405 Anna's Retreat 'St. Thomas, U.S. V.I. 00802 • >Ytc "MfMiy From; -January 1, 1983. .-, TQ: January 1. 1984~ Agent or Broker -ANTILLES INSURANCE, INC. Policy Period: REPRESENTATIVE: Office Address -P. 0. BOX 2698 ___Town -St. Thomas. V. I. 00801 COVERAGE is provided in (he APIA member company designated below: FIREMAN'S FUND INSURANCE COMPANY 3. The insurance afforded is only with respect to such of the following Parts designated by an "X" in 13 and Coverages therein as are indicated by specific premium charge or charges. The limit of the company's liability against each such Coverage shall be as stated herein, subject to all the terms of this policy having reference thereto. Comprehensive General Liability Insurance ............ PJ Owners', Landlords' and Tenants' Liability Insurance .... PJ Manufacturers' and Contractors' Liability .Insurance .... PJ Contractual Liability Insurance ....................... PJ Completed Operations and Products Liability Insurance .. PJ Bodily Injury Liability ____Property Damage Liability . ".' 'LIMITS OF LIABILITY EACH OCCURRENCE AGGREGATE ADVANCE PREMIUM EACH PERSON EACH ACCIDENT Premises Medical Payments Insurance ................ PJ Personal Injury Liability Insurance -••n ..... n ,,.... n AGGREGATE 500.000 Comprehensive Personal Insurance ......... Farmer's Comprehensive Personal Insurance . Personal Liability Personal Medical Payments Physical Damage to Property pppiicaku t« fwmir*i c«mtrihi«iifi ruitMi IIIWIKCI 017) Animal Collision EACH PERSON XXXXXX XXXXXX EACH OCCURRENCE XXXXXX $ $ 31? EACH ACCIDENT XXXXXX XXXXXX Market value not exceeding $400 each animal Basic Automobile Liability Insurance ................. PJ Comprehensive Automobile Liability Insurance .......... PJ Bodily Injury Liability ________________Property Damage Liability EACH PERSON XXXXXX EACH OCCURRENCE EACH PERSON EACH ACCIDENT Automobile Medical Payments Insurance Uninsured Motorists Insurance ....... $ 1,000 $ 10,000 XXXXXX $ 20,000 75 iarage Insurance See Coverage Part for Limits of Liability *3,547 Automobile Physical Damage Insurance (NonTleet Automobile Physical Damage Insurance a See Coverage Part for Limits of Liability 785 Schedule Automobile Liability Insurance D See Coverage Part for Limits of Liability Endorsements and Additional Coverage Parts # (IDENTIFY BY FORM NUMBERS) See Endt. "A" 132 tlf PolicyPeriodmorethanoneyearandthepremiumistobepaid in installments, premium is payable: Oneffectivedateofpolicy $ Total Advance Premium $4,851 1st Anniversary $ 2nd Anniversary $ Audit Period: Annual, unless otherwise stated.** 4. The named insured Is: individual joint venture partnership^ othe During the past three years no insurer has cancelled insurance, issued to the namc unless otherwise stated herein:** •ABSENCE OF AN ENTRY MEANS "NO EXCEPTION". Countersigned by. Authorized Representative •"':':"• -': -;;';' '''•' - ' ^ ;;'.vv. - |'V C: " '-'\i ' •- -vv. ,''• •• .-.iv.aiji'fe^ '••;^v^fe-/1^t./r*ir-^.-i'Hi;iTi:^'':''/:: •• '••>'•' ,:."••.'.•••rY;.'" - ]":;•• ;:*v.-', .' .''"••'.•::•*>''./:;' r..^;-.; • v •','• • ^:i*^ti''?:-V; *'*?*'•? '" ••'- '^ T "•••'• -.I' -!':'1f'';?.'••• • v- •'' •• • preceded by an asterisk ('I need be completed only II this'l£ndorsernertt Is Jssued subsequent to preparation ot-the PC"' . : x:.v The 'following spaces preceded •This Endorsement, Effective • 'January 1, 1983' •Issued To • • ;. :'••'• . . Ramsey - . ' * ' " . Foims a Part ol Policy No. .,; y-.'.V •;*':'; * ' ' ' " . ' • • ' ' - . ' . . ,£•' r* A i - KOO 1 R n t\ •' *' ' * '*"'•'•"' • ;'i Fireman, Is Fund :•'"' :'- '•'•'•''"' '•'.•'''••• " .'' . '" ;'':-; V..-^'-";!^^";'*^''^^1;'^'. Motors ; Holiday Rent-A-Car, & R -&^R:'Pr6perties, ... .'••' ' -t ,'!• '. • •'-•• ••:•, . . • ' , " • ' i '" -'-Vp '':-;; •":••'• V.*'- :v >;'-.. insurance Company - ; Inc.. A/T/I/M/A ' • In consideiation of art Additional, 'it is understood and agreed that ;.;'!i'FORM -f / •^?<-%'••:. v^:--v'^-^'^t*^^»^^ '-''^ •'• *•'&&& •^^^,Fs!^:::;^,;S;:4Si^|^^^;^;fi::; :ti^> M:+£$jiMiii%& •••: :*$•& o!^-':;'v:':i,' - ;,. :; •-'-•• .•^ESCi^ifilb^'^;!t;^;^^)Jv ; ^v'.^^^ ;r!': General: AutomoB'ile^Li-aDilitv^^v' ' • ' >'!'v'^;-: "" P.R. ^'VlL^-^Le 4 •-,-a,- y'Sr.vV-Ani •1. rr '{'. GARAGE. INSURANCE COVERAGE PART SCHEDULE General—Automobile Liability Policy No. GAL 5001805 Item 1. The insurance afforded is only with respect to such of the following coverages and hazards thereunder as are indicated by specific premium charge or charges. The limit of the company's liability against each such coverage shall be as stated herein, subject to all the terms of this policy having reference thereto. ______ COVERAGES HAZARDS LIMITS OF LIABILITY ADVANCE PREMIUMS Garage Liability G. Bodily Injury Liability H. Property Damage Liability. Automobile Hazard 1 Automobile Hazard 2 $ 300 ,000 each person $ 500 ,000 each occurrence $ 2.105 Automobile Elevators—"Pigeon Hole" Type < Automobile Hazard 1 Automobile Hazard 2 Automobile Elevators—"Pigeon Hole" Type $ 50 .000 each occurrence subject to $100 deductible as set forth in Limits of Liability provision 947 Expenses for Medical Services I. Automobile Medical Payments Prem. Rate: Percentage'of Cov.'-G Prem. . " . ' ' • • ' I. and J. Automobile arid Premises Medical Payments J.'.,, 1,000 each person 8.5 .Hi. Gatekeepers' Legal Liability K-l. Fire and Explosion ' K-2. Theft of the entire automobile K-3. Riot and Vandalism K-4. Collision or Upset. Specific limit per location as slated in Item 3 subject to: $25 vandalism deductible •'•' " . ' ' " • .. ... • ., > • : ' • . ' • ' limit of liability Includei ttOOO limit lor $ . deductible. : Uit to property other thin automobile! 91 M. Total Advance Premium * 3,402 (a) All automobiles,owned by the named Insured are used principally In garage operations of the named Insured,'except automobiles (1) assigned to the named insured, a partner therein or a member thereof, or an executive officer thereof, or, if a resident of the same household, the spouse of any of them or (2) furnished to any'person'or organization named in paragraph (b) below." • '" : • «> (b) Automobiles owned by the named insured are furnished to the following persons or organizations for their regular use for other business purposes or for non-business purposes (do not list the named Insured,'any partner, member; executive officer or, if a resident of the same household, the spouse of any of them unless more than one automobile is'furnished concurrently to'such person and then show only the number of automobiles so fur- nished in excess of one):' i 'm< <• "''i •; :••" '•»••• •••>•.! !" !,'•• .nv-'.-.ni • • • « • • . • •. Number Name Name of Such |*iitomobllet Name Nam* • Number of Such |«itomobllti 3. The following are'the addresses of all premises where the named Insured conducts 'tarage operations. (If more than one, see Schedule attached.) GARAGE Loc. No. • • • : ." • i :ut i '• . • • : . • •••< •' ; • •• -Address (show main sales loca- < ""' ' .lion, if any,'as Location No. 1) ',; ' Premium Basis Class ,' ., Remuneration : Rates Coverate B | Coverage H Per $100 of Remuneration ;• Advance Premium Coverage G Coverage H Minimum Premium *..•'• 10,4001' B :'• •* 2..000'1 c, 52,000'. Total t '-i /'•'• '' Furnished Automobile Hi t;.s Y1 " Per Automobile k ... 4.848 "1:555 f 41 .97 ' 809 947 Coverage G $ 632 Coverage H 237 Coverage I $ Automobile Elevators—"Pigeon Hole" Type . .' , No. Insured. •'••.iii.f'-.i Each Coverage I t J 3. GARAGEKEEPERS' LEGAL LIABILITY Man. No. of Customers' Automebllei Stored ', Limit Of Liability 35 $ :'' 30'idQQ •'• •;'' ',,,,'the. business of the named Insured at Location No. 1 is: rrji Franchlsed ,, i—i Non Franchlsed ..., i—i Repair . US Dealer' :,'.I_J Dealer ' ;' • LJ Shop i.|.uj|;f I!. '.II .' ' ' I . . ! . . .1 rn Service,...",' (—I Storaie Carafe or . i—i Equipment and ' L4J Station '__ ..'I_I Public Parklni Plac« : I_I Implement Dealer 1USE TOTAL REMUNERATION AS PREMIUM BASIS FOR HAZARD 2. When used as a premium basis:' . ' ." . ',. ' ':y'„.„,'"! "remuneration" means (a) the entire remuneration earned during the policy period by eacn.',Clas's:A employee and each Class C employee of the named Insured, to an average weekly maximum of $100, and (b) the remuneration of each Class B personjat .affixed amount of $2,000 per annum with respect to Dealer Risks (H or $5,200 per annum with respect to Non-Dealer Risks (Hazard 2). qn|:':'iir''|5' ' ' • • ! • r- • - • . • • : • : • • "Class A" means all clerical office employees. ID ^\i j(>|,i;.|. "Class B" means all proprietors and officers active in the business, arid inactive proprietors' 1 of volficers (other than an inactive proprietor or officer who is a of an active proprietor or officer) who customarily drive an automobile owned by the named-.Insured; and all'salesmen, general manager?; service manag chauffeurs. ' ,.,.....,.,. .; , ' • . . ' . ' • ' "Class C" means all other employees. , '. ' " i;oii'Vjai.'i::'..Y • Form No. L4061S Ed. 10-1-66 (Rev. 1-1-73) • '• '•' ' ' • '. '•'•'' I'M"" '• : 'I !""''•'••' «1-'|:1:" . 1 ' ' . . . . . . ,,...,. . , (over) .48 (b) if Ihe named insuiea is ffesigrmro TTT TT7\r-act.Tarimim.j *j -„ nr^,,,^-^___ person so designated but only with respect to the conduct of a business -i cf which he is the sole propiielor, and the spouse of the namei) Insured '• with respect to Ihe conduct of such a business; • • '.i. )' ; (cf any employee, director or stockholder of the named Insured while acting within the scope of his duties as such; and • • V -V (d) if the named insured is designated In the declarations as'^"partnership'or,' joint venture, any partner or member thereof but only with respect to his " liability as such. < • . ! • . . , ;:;'' ; .Y: •'''•'I'-- '•. V7 LIMITS OF LIABILITY . . " " . ' ' V '.' '"'^.^ 'i/'il^ i^.v r'•:;.' Regardless of the number of (1) insureds under this policy,'(2) persons or', organi- zations who sustain bodily Injury, property damage or loss, (3) claims'made'or suits brought on account of bodily injury, properly damage or loss or (4) automobiles to which this policy applies, the company's liability Is limited as follows:..;','.-{''.. Coverage G—The limit of bodily injury liability stated in the'schedule"'«s'ap- plicable to "each person" is the limit of the company's liability (oral).damages, including damages for care and loss of services, because of bodily Injury sustained •• by one person as the result of any one occurrence; but subject to; the'above'pro- ' vision respecting "each person", the total liability ol: the.company;fof-.al| dam- ages, including damages for care and loss of services,,because';of,bodily Injury sustained by two or more persons as the result of any.one'occurrericej'stiallinol exceed the limit of bodily injury liability stated in the schedule as applicable to "each occurrence". .•'• .• • : ' • • • .''-' 'l;i;i;'|'('^^ii';i; :' Coverage H—Subject to the following paragraph, the total liability of the com- pany for all damages because of all property damage sustained by one or more persons or organizations as the result of any one occurrence shall'not 'exceed the limit of property damage liability stated in the schedule' as,;applicable JQJ"each occurrence". '• . • • • • • • • ••'•'.''. .is'.'lff.'^J'.^ . With respect to property damage to any automobile arising ouf,.ol -)vorlr'com-,.. pleted by or for the named insured upon such automobile or .part/thereof, $100'' shall be deducted from the total amount of all sums which the Insured shall,become legally obligated lo pay as damages on account of property damage'Jo.'such auto- mobile as a result of any one occurrence, and the limit of lhevcompariy's'liability shall be the difference between such deductible amount and the limit pf Property •, Damage Liability stated in the schedule. All of the terms'of this-policy! apply ' irrespective of the application of the deductible amount and the company-may pay any part or all of the deductible amount to effect settlement of any claim;or. suit , and, upon notification of the action taken, the Insured shall promptly reimburse the '•••. company for such part of the deductible amount as has been paid, by the company.- •: Repairs by the named insured shall be adjusted at actual cost ,|Q^ hlrri'of'labor . and materials. . .• i. ;' , . ; :.'•-',•(•. ••'•fi?;;Jy^j).?;ffi!'' •; I-. Coverages G and II—For the purpose'of determining the limit 'of Uhe'i'co'rripany's • •! bility, all bodily injury and property damage arising out of continuous ~ or, (epeated ' ^-exposure to substantially Ihe same general conditions shall.be considered,as'arising \ out of one occurrence. , ' • > i' 1 '--''•'".{f';'v,: Coverages I and J—The limit of liability for medical payments'/stated'In the schedule as applicable to "each person" is the limit of.'the. company's-liability-• for all medical expense incurred by or on behalf of each person who sustains bodily •. injury as the result of any one accident. ''•'.- •' • •'-i 'i.'< ;.' '/,' 'ii^.WsjNitf.'.••'..:'' Coverages K-1, K-2, K-3 and K-4—Subject to the' application 'of a'hy''(jeductjble'V-. the limit of the company's liability for loss at each location shall,.b'e*the limit of. ' liability'stated in the schedule as applicable thereto; if, however. a{' the time of. loss there were at the location where the loss occurred automobiles 'of:others in , the custody of t!:c insured in excess of the maximum number'of automobiles Indi-... cated in the schedule for such location, the company shall not be''liable for a greater proportion of the amount'for which it otherwise would be liable'than the ^ maximum number of such automobiles stated for such location bears to.th,e riumber . of automobiles at such location'at the time the loss occurred. ''• ..5'.-^'£, i ),;f; Subject to the application of 'the deductible stated In the schedule,'.'the' limit ol liability applicable to Coverage K-4 for loss to property of a kind customarily left ' in charge of a garage, other than automobiles, is $5,000, which sum If'Included in ' the applicable limit of liability for loss at the location.. ' .';' , ['-f'.... .'• All of the terms of this'policy apply Irrespective of the application of any'de- • ductible amount and Ihe company may pay any part or all of the deductible-amount to effect settlement of any claim or suit and, upon notification of the action taken, the insured shall promptly reimburse the company for such part'.of'the' deductible amount as has been paid by the company. .• ' • . . ' : • . ''$/• 'i-r •'.''•'. Repairs by the named insured shall be adjusted at'actual cost (o: him,of labor and materials. •, ' '•••...' ' ' - • ' -'..:•... . This Insurance applies only to bodily injury, piujicny unm..*- „. .... occurs within the territory described in paragraph (1) or (2) of the definition ul policy territory. VII. ADDITIONAL DEFINITIONS : ; . . • ; ' : ' W h e n used In reference to this insurance (including endorsements forming a part ol the policy): • • "automobile" means a land motor vehicle or trailer, other land equipment capable , of moving under its own power, equipment for use therewith and animal drawn , , equipment. This definition replaces the definition of automobile set forth In ''''the Definitions Section; . "automobile hazard" means that one of the following hazards for which Insurance Is afforded as indicated In the schedule: Automobile Hazard 1. • (1) The ownership, maintenance or use (including loading or unloading) of - ' any automobile for the purpose of garage operations, and (2) the occasional use for other business purposes and the use for non-pi^,, ss purposes of ' any automobile owned by or In charge of the named insured and used prin- l clpally in garage operations, and (3) the ownership, maintenance or use of | , 'any automobile owned by the named Insured while furnished (or the use of , • any person.' . , . . ,t , • Automobile Hazard 2. • . : The use in connection with garage operations of any automobile which is : neither owned nor hired by the named Insured, a partner therein or a ', member thereof, or a member of the same household as any such person. i "garage" means an automobile sales agency, repair shop, service station, storage garage or public parking place; "garage' operations" means the ownership, maintenance or use of the premise; ! for the purposes of a garage and all operations necessary or incidental thereto; ;', ' "loss" means direct and accidental loss' of or damage to property which occur: '••' during t h e policy period; . ' . _ • - . .'i "medical expense"< means' expenses for necessary medical, surgical, x-ray am .'! dental services', including prosthetic devices, and necessary ambulanuc, hospital • professional nursing and funeral services; /; ii. "occupying" means in or upon or entering into or alighting from-, "premises" means premises where the named Insured conducts garage operation! • and Includes the ways Immediately adjoining but does not include any portion c '• 'such premises upon which business operations are conducted by any other perso :'• or organization; 1' •• .-•". • .> . ••• • j ' . . "trailer" includes semi-trailer. VIII. ADDITIONAL CONDITIONS ' ,. ' .A. Limitation ot Coverage Under Any Other Liability Insurance Part ,,•. The 'Insurance afforded under any other liability insurance made a part of th ; ' policy does not apply to garage operations, including the automobile hazard, fi • • which Insurance is afforded herein. B. Insured's Duties In the Event of Loss ' • ", The insured': duties in event of loss under the Garagekeepers' Legal Liabili Coverages shall be as provided in the Condition with respect to an occurrenc ;.: claim or suit. In the event of theft or. larceny, the Insured shall also prompl ' notify t h e police. . , - • . : > C. Medical Reports; Proof and Payment of Claim — Coverages I and J ' As soon as practicable the injured person or someone on his behalf shall gi to the company written proof of claim, under oath if required, and shall, all each request from the company, execute authorization to enable the compa to obtain medical reports and copies of records. The Injured person sh submit to physical examination by physicians selected by the company wh and as often as the company may reasonably require. The company may f the injured person or any person or organization rendering the services a 'such payment shall reduce the amount payable hefeunder for such injury. P . ment hereunder shall not constitute an admission of liability of any person i except hereunder, of the company. ' D. Non-Applicability of Subrogation Condition ,'•• The Sub rogation Condition does not apply to any Medical Payments Cover; 1 afforded by this Insurance. . • GARAGE LIABILITY . . . , . • • n; .• ,.i :,.,»/.. j^nn;. i^.;- COVERAGE G— BODILY INJURY LIABILITY v-! ".';• ('•'''> ''^I'W* C";-; •<• • COVERAGE H— PROPERTY DAMAGE LIABILITY .,' ?'''..' '. -n;l ;u;,'.. .1 . ' The company will pay on behalf of the Insured all sums which 'the Insured shall become legally obligated to pay 'as damages because of J •(' i . . ( . . ; • " < '. . >.,,', MU LlOnl-1'*!!' * * • , ' Coverage G. b.odily injury 'or,. ,,..., .nj-'^if^l.'; X J. Coverage H. property damage' •• • ;i'^:-o:'..> '.• * to which this Insurance applies, caused by an 'occurrence and arls'lng^ut'of garage operations, Including only the automobjle hazard for which Insurance Is" «,f forded, as indicated in the schedule, and the 'company shall' have the1 righff and duty to defend any suit against the Insured, seeking damages 'on account/ of such 'bodily injury or property damage, even if any of the allegations 'of the siilt'are groundless, false or fraudulent, and may make such investigation and settlement! of 'any claim or suit as it deems expedient, but the company shall not be 'obligated to'- pay any claim or' judgment or to defend any suit after the applicable limit of the company's liability has been exhausted by payment of judgments or settlements/*;} \<r;\:\>.r-i. _ Exclusions - ' • • . - • • " • • , . (i-.(|| ",.j:'j' • , (' This insurance does not apply,' under the Garage Liability Coverages:,. f . •(a) to liability assumed by (he Insured under, any contract or agreernifrij' except an Incidental contract; but this •exclusion does m?t:|ppply to' a Warranty o( fitness or quality of the named Insured'i products of a warranty Ihat.yJorR performed by or on behalf of the named Insured wil| be done. |n, a worKm5rlllu_ manner; ,, (b) to bodily injury or property damage arising out of trie owne'rshi" ^'maintenance, operation, use, loading or unloading of any escalator,; or. Automobile Elevator— • "Pigeon Hole" Type at premises owned, rented or i controlled < by i the. named insured; but this exclusion does not apply to an escalator, or Automobile Elevator • —"Pigeon Hole" Type at premises which the named Insured bwnsj rents or con- trols only in part unless the named Insured operates; maintains 'or controls 'the escalator or Automobile Elevator— "Pigeon Hole'' Type;' 4 .'" ."^'"l!*1"';. 'V;'V' ';. ' (c) to any obligation for which (he Insured or any 'carrier as his1 Insurer' may be held liable under any workmen's compensation, unemployment' compensation or disability benefits law, or undef any similar law; Jt. n,v u.l-.ip t-jji|'iii:i.icnj..: < Id) to bodily injury to any 'employee of the' Insured arising out of and In the course of his employment by the Insured or to any obligation of the Insured to indemnify . another because -of damages arising out of such injury; but this 'exclusion does not apply to: ... • ; ' , • . (1) any such injury arising out of and in the course of domestic employment by the Insured unless benefits therefor are In whole or In part 'either pay- able or required to be provided under any workmen's compensation law, or (2) liability assumed by (he insured under an Incidental contact; -' .(e) to bodily injury or property damage arising out o[Mlhetpwnerjhip,' maintenance, operation, use, loading or unloading' of any"' ' '.'' '••""". 1. . . ; • ; ' ; ID haulaway, tank truck or tank trailer (or any vehicle used therewith) owned, hired or held for sale by the named insured and not being delivered, demon- • strated or tested, . ! • ; • * ' : , . . . ; , •• ,.-i.', ;,. (2) automobile .. .:..*,.: ' • • ' ' ' (i) while being used in any prearranged or organized racing, speed or demolition contest or In any stunting activity or )n practice of prepara- tion lor any such contest or activity, or • .i • '•,•••'•• •••• •''- (ii) while rented to others by the named Insured unless to a salesman for use principally in the business of the named Insured, or -' ''• •'"••• (iii) while being used by the Insured as a public or livery 'Conveyance: or for carrying property. for a charge;. . • .. • *•• •.'• v wi in II.MJ i. ;,; (3) watercraft owned or operated by or rented or loaned to any Insured, or any other watercraft operated by any person in. the -course -of his- employment by any insured; but this exclusion (e) (3) does not apply to watercraft while ashore on premises owned by, 'rented to or controlled by the named Insured; (4) aircraft; • ],.,.-.. . . ,' '. .• ••-'. .*•'•* :i i;u-..j.>'. :•' (0 to bodily injury or property damage arising out of and occurring In the course of structural alterations,, new construction or demolition operations performed for the named insured by independent contractors, or acts or omissions of the named insured in connection with his general supervision of any such operations; but this exclusion does not apply to operations of which .the, company has written notice within 30 days after the commencement thereof; ;•,'- ;»-'.j\ , . (g) to property damage to ... , •• ' ."'i i>> j ...'iic.i u;.i|. :. i, .. .-::. (1) properly owned by, rented to or held for sale by' tr|e )nsured,; or '' .J/'" • (2) property In the care, custody 'or 'control' of or 'being' transported' by' ''trie insured or properly as' to which the insured is for any 'purpose-exercising physical controlj '•'•'• '"'V,'','" '''',.' ','•''" '''.i',''"'!'/,' .', but part (2) of this exclusion' does not apply to property 'damage'ar'ising'out of the ownership, maintenance or use at the premises of any automobije servicing hoist designed to raise the 'entire automobile,' or to such' insurance 'as Is af- forded for the use of elevators at the premises;' 1 •; ' ''<• ' • ;•' >••?••• <•'•• to property damage to premises 'alienated, by the' named insured arising 'out of such premises or any part thereof; • •' '. . "• t ' ' t • I 1.'':"-|V.') ' '.',.' |i,',.|,r'L/ '•:'•'• ,. ,: (i) to loss of use of 'tangible property which has not been physically Jnjufed or , ; destroyed resulting from j( ^,t, , ,..,., ,.;.;,;,. ,,^1,'^,,,,, Uli; ., (h) I (1) a delay in or lack of performance by or on behalf of the named Insured any contract or agreement, o r . . ,,: .. .'., , i, (2) the failure:of the named insured's products or work performed by or .•..behalf of the named Insured.to meet the level of performance, qual fitness or durability warranted or represented by the named Insured; but this exclusion does not apply to loss of use of other tangible prppe resulting from the sudden and accidental physical Injury to or destruction .r the named Insured's products or work performed by or on.behalf of the nan . Insured after suet] products.or work have been put to use by any person organization other than an Insured; • . . . - , . '. • (j) to property damage to any of the named Insured's products If such propt damage results from ^ condition existing'In such 'product or any part ther at the time possession is relinquished to the purchaser thereof; (k) to property damage to work performed by or on behalf of the named Insu • arising out of the work or any portion'thereof, or out of materials, parts equipment furnished in connection therewjlh; . . (!) to damages claimed for the'withdrawal,'inspection, repair, replacement, or I of use of the named Insured's products or yrork completed by or for the nar Insured or of any property of which such products or work form a part, if si products; work or property are withdrawn from the market or from use beca . of any known or suspected defect or deficiency therein; , • . (rn)to bodily Injury or property damage'due to war, wheiher or not declared, .c ''' war, Insurrection, rebellion or revolution or to any act or condition incident any. 6t the foregoing, with respect to . ' (1) liability assumed by the Insured under an Incidental contract, or (2) expenses for first aid under' the Supplementary Payments provision; (n) to bodily Injury or property damage (of which the Insured or his Indemn •. may p_e held, .liable . , .^ : '. ' '' (1) as'a person tor organization'engaged in th'e business of manufacturing, . tributmg, selling or serving alcoholic,beverages, or, . ' .. .. (2) If not-so engaged,.as an owner or lessor of. premises used for such purpo if such liability .Is imposed j .. r. >,.;,. (i) by, or because of.the violation .of, any statute, ordinance or regula , pertaining to the sale, gift; distribution or use of any alcoholic leverage, ':•< (ii) by reason of the'selling, serving or giving of any .alcoholic beverage t minor or to a person under the influence of alcohol or which causes contributes to the Intoxication of any person; < ' but part (ii) of this exclusion does not apply with respect to liability of Insured or his indemnitee as an owner or lessor described In (2) above; lo) to bodily Injury or properly damage arising out of the discharge, dispei release or escape of smoke, vapors, soot, fumes, acids, alkalis, toxic chemii liquids or gases, waste materials or other irritants, contaminants or pollut into or upon land, the atmosphere or any watercourse or body of water; this exclusion does not apply if such discharge, dispersal, release or escap sudden and accidental. , . • , ' - , . .., . ... . J , . . , , I . I. s ... [. II. EXPENSES FOR MEDICAL 1 SERVICES^ .'' ."' '" ,', COVERAGE I—AUTOMOBILE MEDICAL PAYMENTS • COVERAGE J-PREMISES MEDICAL PAYMENTS • : The company will pay all reasonable medical expense Incurred within one from the dale of 'accident: • • Coverage I. lo or for each person'who sustains bodily Injury, caused by accii • .,L,. while occupying any automobile which is being used by any pe c, ' who is an Insured under the bodily Injury liability coverage will ,,. t. spect to such use;, Coverage J. to or for each person who sustains bodily Injury, caused by acci ,' . and arising out of the ownership,, maintenance or use of the pren for the purposes of a garage, and all operations necessary or incidi '.-.. •• thereto. • . . - : • • • • . .'. Exclusions ' ' " . ' This insurance does not apply:' ,' '.'". (a) under the Automobile Medical Payments Coverage, to bodily injury sust; by any employee of an .Insured under the bodily injury liability insurance ar '' out of and In the course of his employment by such insured; • (b) under Ihe Premises Medical Payments Coverage, to bodily Injury sustained (1) any person while occupying or through being struck by an automobile from the premises; .,.. , , . . ; . . . •. (2) any person practicing, instructing or participating in any physical trai sport, athletic activity or contest; . (3) the named insured, or any partner therein or member thereof, or any ployee of the named insured arising out of and in the course of his em • ment by the named insured; -.., i , •... . * .. •.. •., (4) any person while engaged In maintenance, alteration, demolition or construction operations for the named Insured or for any lessor of ,,, premises; . ,;, (c) under the Premises,Medical Payments Coverage, to bodily Injury arising put of... ;•(!)'the'ownership, maintenance, operation,• use,'loading or unloading of. .any; !""' f escalate;.or Automobile Elevator—"Pigeon Hole" Type at premises-ownea, ':. ". -rented or controlled by (he named Insured; but this exclusion (c) (1) does not • " apply to an escalator or Automobile Elevator—"Pigeon Hole" Type at premises ' ,.- ;''which the named Insured'owns, rents or controls only in part unless the • : named insured operates, maintains or'controls the escalator or Automobile 'Elevator—"Pigeon Hole' Type- ',-»'".'.':'•'•'.':.','. '•'••'..'':' .: ::'•(.';.*•' } ' • • V_ (2) structural alterations, new construction'or'demolition operations for the' named insured by independent contractors . or their subcontractors, or omissions or supervisory acts of the Insured In connection therewith;". ;,, (l};owriea\by or rented to ., , ;•• . . •. .':'•;•;''• (I)-Ihe named Insured or a partner therein or a member thereof, or the jij'Ji Espouse1 of any one of them If a resident of the same household, ' "••'•'. 7V-, ;.(il)'an employee of the named Insured or his spouse if a resident of the ;.",i-";'v ui>, same household,'unless the automobile-or other property Is In thf 1 .••.'•'{•;!;;uVcustody of the named Insured under an agreement for which a specifii ;j•'>'••'-i.;[pecuniary charge,has been made. or ! •''': (2),In the custody'of the named Insured for demonstration or sale; (c) to loss by theft-due to any fraudulent, dishonest or criminal act by the namei •• Insured, a partner therein, a member thereof or employee, trustee or authorize! r': representative thereof,'whether working or otherwise and whether acting alon , • • . ,. , . • : . • ic|;i cacniduvc mcicui, ITIICIIICI numing ui UUICIVTIAC anu nuciil (d) under the Premises Medical Payments Coverage; to bodily Injury resulting from . • '•*, br in collusion with others; • the selling serving or giving of any alcoholic beverage, (i) in'violation of. any .;(d) f'j 'j arising 5 , 0,',,le use'o( a^y elevator, or any automobile statute, ordinance or regulation, (n) to a minor, (ml to a person under the in-. ; . HeiiBnBd to raise an entire automobile- ' ' fluence of alcohol or (iv) which causes or contributes to the intoxication,of 'T °!SK^'^^.^,^^!:,lCl..!...J ..,. ^t.. servicing hols (e) to defective parts, accessories or materials furnished or to faulty work performei •" .on an automobile, out of which loss arises; UUOIIIO9 ut niaiiu laiiiu'nigi .uuu iwuhiii£t , jwitiug vi . di>« «mpj BIWIIWIIW wwviu^w* . -• i t* •• ' ' < or, if not so engaged, is an owner or lessor of premises used for such purposes, (0 to an. automobile or'pther property while the automobile is being used in an any person, if the named Insured is a person or organization engaged In the business of manufacturing, .distributing, selling or serving alcoholic beverages but only part (i) of this exclusion applies when the,named insured is such an • owner or lessor;- •.<• :i\,-j."< • ••;'••. •. -.'• ••'.. . • ' . ; • ' ' • • ' . ' • ' • • ' . ' • (e) Uiider the Premises Medical Payments Coverage, to any medical;expense for services by the named insured, any.employee thereof, or any person or organl: zation under contract to the named Insured to provide such services; ...,< • ./::.'•; (f) under the Automobile and Premises Medical •• Payments Coverage, to' bodily injury sustained by an'employee of any garage, if, the accident arises out of the operation thereof and if benefits.therefor are in whole or in part either payable or required to be provided:under any workmen's compensation law;:<H (g) under the Automobile and Premises'Medical'Payments-Coverage, to bodily Injury due to war, whether or not declared,'civil war, Insurrection, rebellion or revolution prearranged or organized racing, speed or demolition contest or in any stunlini • activity or in practice or preparation for any such contest or activity; (gj to loss due' to war, whether or not declared, civil war, insurrection, rebellion t/< re volution,1 "or to any act or condition Incident to any of the foregoing; (h) to loss due, to, radioactive contamination; .. (i) with .respect to Coverages, K-r and- K-3, to damages for loss of use of a :~ automobile.;'!;! pu:.;i%v:' .<.!• .:,-'•' A'.;i"', I: .- •;. ;iy. ERSONS INSURED ;;. •.; •'•"• . ••'•.:' ; •'? '"' '' ' ' '••Each .of ;th'e : following is an Insured under this Insurance to the extent set fort • GARAGEKEEPERS 1 COVERAGE K-i—FIRE AND EXPLOSION ;.:.,j,.,.,', •;.,; COVERAGE K-2—THEFT of the entire automobile : .ion, or to any act or condition incident to any of the foregoing. ... ue!°1 1!*',-?/i';-r «v-i '••! «• i., . ' •, «'••- <•. «• ' ' ., . :, .-. •. ^>. ;-,:-t-.,i-t :'i.:i'.i. ". ,...- •. i >'•r".'•.')';. A." UnderJtW Garage Bodily Injury and Property Damage Liability Coverages: i>FifprpFD«Mrp»i :'ii»Biii'Tv'^'"T":':''>''^: :'--'••';'• ! ' - ' : ' • " ,'':.:-(" W ty?,'.'!?.'??!! Insured;ii^i;;;-,! .|-;-j7:. "Iv ;'.«'£l<l2/' '• stMtPtRi LLUAL LIABILIII . . i: ,-...-., , ,,,. •,, ,(.^ (2).»»ithjes%pect^o earage^ operations.other thah the automobile hazard: I'-.-.T;,*' ..-(' (a)'.aY/'r'empltiye'e^'directdr or stockholder- of the named Insured while actin !"w-i"i-' ! •;pjf,',withln;the^cope(of his duties as such,- .' ... •' • (b),.ifjthe)named,Insured Is designated In the declarations as an Individual, In ••lit'- '•'••'•"ii;<pers'on,jo designated but only with respect to the conduct of a business c !,.:<;i-A which he Is the sole proprietor, and the spouse of the named Insured wit COVERAGE K-3-RIOT, CIVIL COMMOTION, MALICIOUS MISCHIEF AND VANDALISM . , . , - . . . . - COVERAGE K-4—COLLISION OR UPSET .... vi , The company will pay on behalf, of the Insured all sums which the insured'snail v°come legally obligated to pay as damages because of: -,. ' . , '.'.'V,'--", verage K-l. loss to an automobile'caused by fire or explosion other than eitplo-' -" •-. • sion of tires; l!':'';'li ' ' ".' :'-:.." .)''."•" ' . ., ''•„'' ,/.^x'"s" Coverage K-2. loss to an automobile [caused by theft ol the entire automobile-• • Coverage K-3. . ..•. .,-'• : ;-::Jf{ifes'pect;to. the conduct of such a business, i' , | . ' ( • •' . !>».i :(c);lfJ >lhfc nanied 'Insured Is designa designated In the declarations as a partnershi .lolnt venture, any partner or: member- thereof but only with respect t ' liability. as'such,.;i : i ' ' '" "" IUV' '(3) with ''rt'^icf to th«'automobile hazard:' ' • !> •"' '" : lajiarlyiperson; while <Usln|, with the • permission of the named Insured, an Coverage K-4. •amount stated In the:; schedule -;asi\appllcable;; deducted from the total amount of all sums.whjch become legally obligated.,lo,pay as'damages.because' and the limit of tne'icompany's! liability, shall or Its liabilil Insured und< between such deductible .amount and the-,limit o^iiaouity siaiea in,;/"u"?.l.uj|t,}!.l5i i.!a"1f,™l!|8. »,.•".•"•»"'BU! '.:• -;.i-j ••fv!-' 1 - •,••••<•• 1 ," the schedule; : .....^ ',,,'' ..;. ,1:.','..",,!,./.., : •:,'•'! . ' . ' : • (i) any. befsorl; while'enEaged In.the business of,his employer with respect occurring while such automobile or'other property is : In'the custody of'the Insured :;//^:.bodl|yi!JrtjurV;to.'any Tellow employee, of such person Injured in the course i for safekeeping, storage, service or repair .- , '•' : • ,' ' . . ' " * ,|Jl^.e™P,!?yjneiJ'!-.:''.i''',V'-r' '• "•'•';"•'":•'••".''.'-"T- " '' • , ' . '• (1) at a location stated in the schedule or while temporarily .removed therefrom Hi)ianyrpersonlor'.,organization, other than the, named Insured or its director in the ordinary course ol the Insured's business, or < »::.- '• :•..<• *.•;•.-;.,...\.-.: .•lj,:.':stockholdersi|partners, members.or employees, while acting within the scop (2) away from the premises if the Insured Is'attending *uch>to»ipb]ii';or:i^^ performed by independei with respect to ai i^se^aS^ uit are groundless, false [or fraudulent,land may'make such Investigation lement of any claim or suit as it'deems,expedient,'but.the.'company^shall of the suit a n d settlement , , M , . , . - - . . . . , not be obligated to pay any claim'; or • judgrrtent^orjo^defend any Suit after "the applicable limit of the company's liability' has 'beer —'--—•—' *•••• *—-—• -' judgments or settlements.-.''-.:- i p ,: u-liai'- ri;1 ' a The Supplementary Payments provisions of .the .policy are applicable to the insurance afforded for Garagekeepers' Legal Liability, except the provisions with respect to the cost of bail bonds and expenses for first aid. xciusions '• : ~ " ; ' •>:T'-''':i:pi>'"- ;.i:,,:r': :'- '•.:'.::.'. • • • ; - ; , This insurance does not apply, under the'Garagekeepers' Legal Liability Coverages:, (a) to liability of the insured under any agreement to be responsible for loss;. . ; (b) to an automobile or other property .-..-•• ),owned. •such.:person ,or organization T>r.'by a member (other than tl noi DB ouu^aieu 10 pay any uidim .01 • (uugmeni ui, 10 runena any suii aner.ine ;l)"i',fc-;,t,l;v.;<v"\['.'t1)^''' "f; the same household, ori;;, .,-•-,'• > applicable limit of the company's liability'has'been exhausted by'payment of , : .(W.-pos^esslon q( which has.been transferred to another by the named insure ' " " " ' - — - - - - - • - . . . . . . . • !'i:t.'.p'iipuant'!p'l"ain agreement o f sale;,.; ,....• -.-. : ' . . ..(iv);any.partner,'rnember of,,employee of the named Insured or the spouse of sui '. i person,! with; respect to property damage to property owned by, rented to i held,for sale,by the named Insured, or property In the care, custody or contr of prutran$pprted1,(>yi).the,.named Insured.\W'^. ••; •;:-, •.—••.-.•. • i,; This,insurance does;noUapplyito bodily Injury or property damage arising out the conduct-of i any •partnership'On joint venture-of which the Insured is a partn or memberand.,whlcn Is,not.designated In this policy as a named Insured. B., Underlie'Garagekeepers'. Legal Liability Coverages: :": •:" •/••: :'j • , (a) the'named Insured; • '"''• ' ' : (b) if the named insured is designated In the declarations as an Individual, the VI. POLICY TERRITORY person so designated but only with respect to the conduct of a business »u This Insurance applies only to bodily Injury, property damage or loss whit -; of which he is the sole proprietor, and the spouse of the named.Insured occurs wjin!n (he territory described In paragraph (1) or (2) of the definition with respect to the conduct of such a business; • • • • . - • - policy territory; --. • ••; B i L E s M J • '.• ••' • :''•>(•> .•>:•>'fr.* •"'.'•<<!>'•.?•<•>=• •! • - ' ' ' !»•'•'.''''•! .' '. The insurance afforded following coverag Property ;•' ' Daman /I, : Liability •|j Automobile .Medical'' ." Payment! /• , Ihcl ,.?;"! • ,t . ..:''••. IncI 1' Total Premium agrt bodily Injury liability 1 of Automobile Medical automobile covered automobile, subject i." (a) each individual named '.In :the : scheme 'of Mils' endorsement and,:^>>•'.<» Jolin^inuifilie^nlie used In thebusinessi or occupation of the ... ... . , .,. ...... . u .L. ....... .. _.._t ,-j. ../. .• ; named Individual or. spouse except an automobile operated or occu-: il nlaH hu.en/ih lianrtAft InHiuIHnal f\r crwliira nr a Qr[y3tfi ChdUffeUT OT (b) """ " "" " ~" " ~ """ *" "" " —— - "- »- - » • . . » . . • f, I .. ^J,.!........ -k vt while resident of the same household, the spouse of such Indl- .'.:'-, ;.' .--nimed n v u a or spouse except an a u o m o e o vidual and • • . . • - • • • ; ' ! • - ;•• • .•.',•'.•,:'>'. pled by- such, named Individual or spouse or a pnv ,; . ' • : ' • • •••': ••..:'''•.'• :' '•'• .'" -v ",'.'; '•'ii'' -"''I '': •' VK;« doniestlc'servant.of such named Individual or sp b) any other person or organization, not owning or hiring the auto-; '.<'<••,•.•• -\ •v'rt<|wim^>vj-v*i i"V'i,''"i.'1J.'1: ;ij«-'!^'''l'i' . - ••• <«> und"- d(lslon ° ' Med'al ^J""6"1* l , mobile, but only with respect to his or its liability because of acts - or omissions of an Insured under (a) above.,. •„, '.•:•-. .M:»,;j;. - - ' • - • • • - • ' • ,•.•• \ • v - i i i , ' " i . 1 . : j « - ! ' ' ' i ' r ' . <«> und"- d.(y,lslon u,} °/ ^riu'i Med'5al ^J""6"1,* lnsu.ran«,t<> any /automoblle-whlle used by he Insured as a public or livery convey- ' 2. 3. The exclusion of the policy relating to public .. .... _ _ . . . . , _ . . _ _ _ does not apply to the bodily Injury liability and properly dantaee lia- bility insurance afforded by this endorsement. ; • •;/ ,.,: >. . .;...; Exclusions • • ' • ' : ' • ' : '•^'-'^'^''^•^•'- ...-' •,;'•,'''.""•• '••'•"-v^'r'''' '• This insurance does not apply: v vj- ' ''•;•'ifj'!/;v'.;-v'/:',!.-. " ; :':.'.V'\4''-'': (a) to any Insured while engaged in the business of his employer wl A. \^/v,,-?i>^V^sj^!;!f fV^,:l^lM'i'>^t!j>rl ;i-i >;'•. '? xcess' Insurance.yThe Insurance'afforded by this; endorsement for dlly Injury liability.and.for property;damage liability shall be excess er any other^alld and collectible insurance, whether primary, excess contingent/ available^ the msured.:^K'.,^ >•< :>; • .;...?;;- ^ !• ', " »* "•'tii.J'i^»!v% ..'•'* < t .*•* /'ii j-li-t t *•' • *•, ** f' s. '. ,i i' 'i I •*? i.. *' i « . l_ . . . _ _ _ . • ' *'..*? tr - _. j-J^ J t *.~ it I - . * _ J * ' •. '_ _ 1 k _ • • A. - I _ . t 11 . • • ii « Excess ' bodily Injury liability , over; '• or' '.The Insuranir'afforded by i this, endorsement'for Auiomobile Medical , Payments shall.be excess overany father valid and collectible automo- " • » • • - • . . . • - • • pr|marYi •This Endoisement, Effective :'- • '••January 1,; 1983:,^'.-i> '-.'. ; Forms a Pad of Policy No..;<: • ' ^Kiremah's-'Fund •InsuranceCompany T'^.^.^ = .' :;.-;• Ramsey, Motors ; .H.o1-iday/Rerit-A-Car>a'hd;.R '& R^.P.iropiertiesV^iric'.ta/t/i/m/ u"^:^vv-'i! -VT?" ' H ' .•';«'•;•.-•'••', ';._i, •', "/ i • • • ; , ' . . . • • , ",f' •'.• i-*1---t'... .Tl-S* -i •>.'«»;.'' 'V <)/ '-tit'?' ?}>"jFf-'ti'' '•ik\^$&S-}<--\.-/i-\ /fa-^r\*\.**'-Z&^<!f:»-'^^^ . PREMIUM;, (Deposit Premium .S; if "Monthly; •!• ^ or Quarterly '. Reporting" Basis! 785'' :.V.A ,-.>!»:•.- -LIMIT'OF:LIABILITY'"V>'<•*,*••'••• '>•'' . - . - . .--,. ; Each Covered Automobll* .-.!r-f. -tj-li1. v Actual Cash Value lessr •:,• •• f,vu- {•^^({•^^deliicilbie^g-1 »'ir-''-{.L'.s :..-'Actual Cash Value- •, 'Actual Cas'h Va!ii£ less deductible of $50>- •:• •••:-• r • .•• :••.-!'•. • • • . ••'•• ••..•.«• \. ••.-;' •Ig] flOp if Ihdica'ted by j|'g)"l applicable -^ ^••i '' ' 'COVERAGE AGREEMENTS" . as'statei 1n-"COVERAGE AGREEMENTS','/^]: Per Location VJii-Transit" slated' , '^.COVERED AUTOMOBILES >. > ' and Interests Therein %-.- S U S D : - ; ! , ' (Including Demonstrators iran'd'Se'rvlce'Vehlcles) !- ^ EIRE;-LIGHTNING OR TRANSPORTATION R — THEFT;;£ :,;.-;; v''.-\rv--i'';'aS" i . W ! 1 - . •• ' ' ' ' - •'•.?*-•"• • .•,(.•' -'i 1':-- •'•••..;•..•»•... :,. ;.<.•:,..,•',. fiiSUPPLEMENTAL : - -,..'- If V-.'.-Vf? • ST-U. •'vi-^Vv^' .•'••-'•i. ;;.".'; • ^•^•*^V:y^ff^ *" 785 '""'* !..T otii!•• Coverages^R< & T" sUtajectlto;;al$^Q.O,<iAggrQgatei per :0cci/rrence."' -» . '•» : ;n>V' -••:• • ;;•''.v-v-.-..ita, •J.'f-r;, :ir.:;v ;st,,^iO;^/ '.. .:,v;V(j:[MINIMUM EARNEi&^llJM$l^'^^V^liri; tf^'jW1.'* "i'-'i--';'"' ,^-j. •:••:''• .' ; ! ;,?j"':' •:;''v-;-v--;..i^. •J!:iQ-',':i>:^-M;4:fi'j;i^:^. •/.•i'!".^[MINIMUM EARNE^R^IU^Srf^l^'V^^ir': '.^:t'V>^V^:':i-';-'S- •V;"! "-i"'1- .' : *icj?;;'|$'.••'• •'.'..•- •'£??'._ :f';^^'ity\\i*\on-?f.\^^ it : :.• SupplementaM •/>'./• i., . ^)At^' ) r •• Lli" : !!-V^' " .•'f->sV*^v;-'.::: 1 ' ?'.':i-V.!( •.••TifrM;. IT OF LIABILITY.'^ •i, :' •.].:":-.'.",. vj;.ii''!':';(J; Loc. Nol ; PREMIUM '-"• FIRE & SUPP. Cov- 'erages (If "Non-. Reporting" Basis) ^^'•' RATES'•'•'v';V,.. FIRt=Fire, Llgmning ory •'^•"Transportation Cov SUPP.=Supplemental Cov 785: j T:' ••% '-'-', 7' •- •,'' • '"'< : ' • ' * :'>'V* '...•'1|',1]:i '•'.'•'• 'i^--;:\y:^-' V.'-r''.'-5Q'1OOQ .:-Ix";ti;-''f' » - . - ; <*"-4fTil"»oHi|l '•- ''''"<' .r'-it-V',••<•?'' >' ','-i V., asy. 1 U:S.4VirqinrIs-1ands •>••••!. ; >• $•: -Fire. •• - •.':'..'I.':--'.' •'- .iSupp.' '-Fire- Supp. . Total Premium ;; •'••• •—Fire and Supp. Covs. • PREMIUM COLLISION, and THEFT- . Coverages. $ ..••>.( ..•.•••.:':.',•. .. ..:.' (, . Total Limit of Liability Ijilrt „., ».t^, • -i--\''-.-, • " ' < • •-.'.'- .-. ;:f! .«'.V !—All Named Locations' -^v • ' • ; • : • ' " .*'..• Blanket Annual RATES'.-^ COLLISION and THEFT^ . '; • • For all Named Locations, based on (1) Monthly or Quarterly<fW 1;< :.!;) '•>•' Reported Values or (2) if "Non-Reporting".'Total Limit of-Llability'^v^' '•i..First $50,000 iVJ ; ^••;.•';• $50,001 to$100,000 '.-'• '• I. Over:$ 100,000^: .!,-,'.(,':v'V.-:' COLLISION • •'•THEFT •-• . !' •• • 'Total Premliim-^-Colllsion and Theft Coverages.")•.'••'.' .'.. ••; ,* If not same pale/or all;Locations,' Location No.'precedes applicable Rate. ' (b) UNNAMED LOCATIONS. 1 The limit of the company's'liability for unnamed locations 'shallIbys^sla'ted^hTreln*'subject,jp ajj. the term's of this Insurance having .reference thereto:' v '.! '»•• v •'••" . ' $•• 10,000 '•'•'- each Additional Location nit of the company's'liability for unnamed locations shall'b'e a'i'sia'te'd'hTrein,vsubject Jd all the term's of this Insu'ra -,>;,i .,;••:...Vi;,..,:j- r..^*,:,'^. y.-'./.fe;^'^'^V-"'-"^'-^VvV/^ ,, ,- '.'• ? V '.V.- ;;-':::.i'Mo,ooo-"- ::'-:,;:^: :^-;>iv^-sVio;ooo"^':'-'-- ;:-- • • .':•:•'-.';?•.'•L'l': ;.' r-i:'! i'^ ea? h Temporary l^callo_n'/""<nV^,j.-;i>'>::;'.;?,j;i'|j;^i ,each Covered Automobile In Transit. •• > c \ Item 3.* Loss Payee:' As stated in the.Loss Payable Clau'se.'any lost unJer this insurance Is payable as'Interest rriay appear to the named Insured and .- <v . :>.-*:.s.-,;t ;i.ffi^i>t^^ r- '^^ ^-'^^^ em 4. Fjcplanation of entries In DPH Item;! for'designating the Interests Insured hereurider In covered automobiles to which this insurance applies:' . — Named Insured's interest in owned covered automobiles unencumbered by any security Interest of a creditor of the named Insured/ ••_-'•': ..-. .'"'• DPH Item 4 1 - the'company's liabilily^lor all |ossTjrectl[7ttributabl?'tb, a'si'ngle'liapprijng put .of '.-^ ."' insured, ollicers or employees thereof and ptwaieiy simui ^ u>.,u ,„.., ... which, loss occurs shall not exceed, as to all.covered'a«tomobile» a^pneljamed. vv.'«•!• \me^ latations; ' •' '• •'• ' " '••Vv s >. j |he premium stated In the schedulers'a'jjeposlt premium only which shall be 'credited to the! amount'of'the earned'premium due at the end of the policy , period. Earned premiums shall be"computed quarterly by applying pro rata of the ; The company's l,abl,i,y for any such to.fall no, ^i^t^^-l'^ ff^^^^^'S^^^^iS t ^!)'|!Vggrega^ac^c|? loss occurred or where the damaged properly Is normally locatedr'as..stated -.^'f, k. iess 11.,. the minimum'earned Dremium, slated in lh* schcrfulp- . .in the. monthly statement^ rendered to the^omp^^^ -(ii) the aggregate actual'cast, vilu'eYif said l&ilYon ^^^Toffiil^^.--:. ' *^^K?^^W^£ 'X% &S!' .. statement including, with ..respect to the iamed'.|0' schedule as the main-sales location, the actual-ca: .'automobiles made available for.the'use of>the''named •ployees thereof and privately stored'at other'Jhantl .'but, if the first monthly'statement, required'under the'ieMn».u|.,mi»;iii«ii.m.i; ;-•-'-.•. _,,«»• iii •„•-.« •.;-'-..-.i;i.:_. is delinquent as of the date of any'loss, the'company's" liability fo'f'such' loss.' "'•(.-• Additional or return premiums lui^nn.icoc yxtuw.inm m me II,H,I» ui H.UHU, ... shall not exceed 75% of the. limit of'liability' staled [n'lhe'schedulejfor,,ihe.^"^ "f""!11'F1,!1"1 sha"I De-computed pro ra a.'-Upon termination ol Collision or Sup- • applicable location • • "' •' \ '•• •''••'• -*- ''?"'• •;•?•''.''•'••'fW'xjis'• r-'.'~ •''•» Percental Coverage, If afforded, by expiration or demand of the lamed Insired, the b) "Quarterly Reporting"• • ;-'-'>!> •"•''-:';i''"' "}':':''-v'r' ''H^i^'.'^ri'i-t'w''J'-S"V'''''/ '''•''• eVn^ Premium for1 such' Coverage shall noL-be; less than the minimum earned .-The compass liability'''for'an'y.sucl^ ;p ;' . • . . ' ' such Information as is necessary for h records to the company at the the policy period as the company e aggregae acua c a s vaues a s a , o c a o n a s Q ; . ? a e - - o , s a .:.• . . . - : , . . r • • • -statement including, 'with -respecf to' th'e'-'iiHct jocat.liii.'Jdeptified'In.-the »•:> In the i event of Inrthe lanetf.hsircd [shall: A;-,;:- ;i :i ! - .' VK. ,. . schedule as the '-aiiin sales-.location,'the'actua|-cash Yalue^f^fllebTere*'- -/'(aj-protect the ciyerei mtMtRiYwheUnr.tr noMhs Insurance applies to (he loss ' ' i : >nd any further loss or damage due to the;iamed lisireds laiure to protect shall •• automobiles made available • ployees thereof and, private! ' GUI. 11 111 6 lirSl QUaflvOy SiaiEITienV I WMMII »•«• unuw||*nv ^wi(ii*;vr,«ni* IIWHI •»wv ' : • ~n\ •• " . . " ' •• t ' ~ '" ' •• t l f l at" * "" " * 1 * . r * ' » l . " " ' j is delinquent as of the, date of any loss, the company's fa'b'lllfrtfdr'such loss.: -.W give notice'thereof as soqn as pract.cable to,the company or any of Its authored .shall not exceed 75% ofthe-limit, of liability' stated Jo';th( schedule (or the .','>/; 'r1-,"!'150' In lh(?'Tl1 I1"'- ?,r t lar"W, to the police, ,- . • 'aoolicable location '-O^-''-'' '••" '•" '•/ :«'r--.-j' >£','''•:•'••i'jwSj/-'"^.'^'' . •• 'c' fi'e wlth lne company, within 91 days afte[ Uss. his sworn, proof of list in such 'M "Mnn p.nnrtin." ' " * • ' • !• ?'•'-^:•?•,''!<•"';.'• i • 'i&''?* ,•-•=•.''•rfif*,'«f(FlwS>cfi''^"'v1'»i-'form and Including such Information'a$'the;company may reasonably require and, ;--.%e ct^ «quest,:shalj.exhibit:the/damaged property and submit to !'' covered automobile than the'total'limits of liability stated'In the schedule 'lor. ,' '.<i 'xamination ."'"'er oaui, • ,•-•. .,)_( , :,••.• r,.'-'^ • j. - - .. ;• >.t, '• '• !!f.l^^| d.J!fVh,"tL^^^ r'i}1^ l| hAt ?^ f^ at^ in POMCY prBinn. THIIITDRY^''.' !S :'^'!^"r^i>^?^'^K^'";i'l"/''! Indemnity against'ahyi;person'on'oyganization^who may be.liable toMhe^ia«ed ! iiiii liLS. ieiifA^ this ;insurancei applies;, and'shall «m!d naSua,aeP"ftifi ttt^JM Itate^of tS W JiS^sS ^ .'• •£«*£* ?" "*? ^ !•*««.'"? «W°< """P" "d MM«* .!... .r r,-»^. «r to k.i.. >,;«,L,\*j K.h^.nVnn,t,ui,erenf ^,( 'V'5*."'/'*. •• ''•• :-- • -i:"6 attendance of witnesses, ,. - ;:;.vV>: .-j-^ • :: < ,-;. .•5"v.*i•;;^i.^Ji!"*;'?*9'?':ll''V''ll''1:Vi '^b.ut.:tne "W* Insured'shall,.not, except ,at':hls?own cost, voluntarily make any pay- "•'.:!'•:'.•>.»./••• n<:11.-'!.\;^ ;-s •;• A men't,- assume 'any'obligation,'' offer or pay 'any re udmg;:enoorseme5ts^.foriminr:a part;- \oriniur-any1 expense other than as'specifically P .. , , .'\.L t. •* - ' .. I ".':.Sill I U.S.'. i, * • • * ' • * * . _ / . • . . . . . . ' , .. . , * s'any location'owned/ used 'a «M;°f>B J.'^jiijg/IS "*&:? ^m^n^irair/i^'^TJ^Ii'^iiiB^iii-'^'i^ for'jepairs.thereto and the Company shall pay only the actual cost 'to w hid. Isa(.died r ^iTSe otthe?nreH.SS ^'f-- 'tri .'h'«"1'11 i'Ji'el.'^e-cor.pany' may 'at 'any -'time 'before the loss is paid .or the :°aS^ "Sii'^Kv SJStS d Insored for sale 1 not owned by.the lamed Insured nor'encumbered by J-'i,-vP-.'h* panel (isireo, with payment for^any resultant damage thereto, or may take all "covered automobile" .'means a la.nd.''molor;:"vehicle/Jra'!ie/TQ!r5s^ be ™ '^n(lon1!ent;.t° §* "y"1^.;' ' :-: ' ••"•• lt!< :. i; >.-.; • '' its equipment and other equipment permanently attached'thereto (but. notrlncluding:..:•,?••• •??'*•-"j\ /f a >L ' ' «-r. :':- .'I'L;- ' . iV ''' •«.' robes, wearing apparel or personal effects), which i^of-i type-deslina'ted lnVfte-? ••:• " lh«,"ra«d IM""**"* the companyfail to agree as to the amount of loss, either schedule as a covered automobile,-to which this insurance .'applies. aodW;J£^M '• . •*** with'n *? days '.'If' Pr°Jf oM«". s^iled.vdemand an appraisal of the. oss In . . . . . . .. . , j * * " ' - ' • • . . • rr : .l(. *J<ti »• ^>l.'. • '.'i ' ni^h • An«nl tk* M«Bia4 In* lira if anJ tk* fnA>*in*HU- »h«ll **itli **1«^r • j«MmnnlAHt in (a) held by the named Insured (or s (b) used in the named Insured's;b vehicles, including repair.servjce (c) If so designated, a consigned jot . (d) held by the named Insured pending dell 1 "loss" means direct and accidental'k "named location" means'•the/'l'ocatio . named !—-J - -•'— ! -''••"--•'- ; dress s • '• "security secures an '• "standard ••' metal one and wjip jne exposeq smes-01 me 101 encioseu oy a-meiarcycione^fieijuivaienivT.' --(.'umei |nim<n» .• ; • • . • - - •! -j::--.• :v/.ij" '••.". •'• • - :•• ^ :-. fence 'notless thari''six"(eet iq height, with:openlng$ ;securely: [ocked 1 when'<M->ir;fc'';|f l^e named' Insured his other'-jnsurance• against a liss coyered by this Insurance .attended; £, ''.i "'!;•.-* ',*-'• j ; ,.;.- ,' F.V!1 | J"" •'•;- rl'iVf«C?'*! ar' '*'•. '^.v-W'^'Kvywi'fJtk''! 'the'-cdmpanV shall "hot be :Tlarjle-under this, Insufance. for a greater proportion of sue "temporary location"'rneans any. location used by the named Insured fpr'the ><purpose"v|! 1 lass than--the applicable.limit of'liability stated if)'the .schedule, bears to the. tote of storing or displaying e'o»trtdautomobll«, other than :_a i»rae_d or, additional Jocartc! Applicable'limit of. Jiabilily.^f all lion or'a location named'in any'oth against loss covered hereundcr. f. , v. CONDITIONS !';•': •!, • None of the Conditions and : Audit"^ "Subroga(ion.",-j"Ch lions". This insurance shall •'• ;.''/..,•:.. 4,= All interests in "consigned; auTomofines. ';A/> COVERAGE AGREEMENTS,';!'', -i' ^ .; ' -,V,1. .TJie company will pay tor'loss to covered !v> V COVERAGE P. COLLISION Realised by" collision; ':.;.'- COVERAGE'a. FIRE, LIGHTNING OR TRANSPORTATION. •',''• /,' (a) fire or-lightning,.':., .:'•-'.-; (b) smoke or smudge due.to,a'sudden, •'v heating ' i . • • located, (c) the " 'or upon •/COVERAGE "! COVERAGE T. '-vc .(a) windstorm, -'WVOJ) riot - -! : ;-';.-.- (c) the ti>-'.-(d) malicious stored or displayed, at any. open .lot location other .than or. in any building not' securely /enclosed and-locked .Insurance shall apply .only to the amount of <ach such applicable deductible'amount indicated, in the schedule unless, 'automobile Is taken or the loss 'occurs while-thd covered transported of mdved in the ordinary coilrse of business;'/'?' Coverage Under'Any Other Automobile Physical Damage' jnsirance Part afforded under any other automobile physical damage insurance made ' automobiles, or parlies at interest Imputed. in : accordance wilhs'the! com- minjrriurrj.premiums applicable 'to the .,. "1 'rales .for this insurance; are as, '•i**.i<\"'i',.''••':."''$• M--: ' •: ' rtheTcqrnpa'ny,<on .or' pefore,the ^fifteenth'' i IK.- i~™ provided by the company," of'the.' actual cash value thereof at the the preceding mnnth, determined • MI ucjijncu iui iiic,iciuiyiiig,>|G|iiyuuktiup,^v|(if^9uiiiK ••••^"•j;,. ..a$, in(|ica[e(j in'me scncouie. tacn sucn:;monlhly statement of values reported jbund 'unless such, device pr ;]n^fun^^;.ftXjetjnajienl|ir;•">', ; ^if for ,-the named location identified'In'the. schedule as the main sales location I automobile;,. ' ' •...*/{ \f^i^-.^yy:t:--t-?':}:f\ ,-•'','; - fi'.iXshall be inclusive'of the actual cash value of all'covered automobiles made. •(ii) any tape, wire, record'disc-or other medium for use with any device.;or instrM-'....,'^^ available-for.the'use'of the named Insured, officers or'employees thereof and- " -"' J----- J lor themcording^ rcproduc.lion;|oryrecp^^ ;._.:; >. : pectivVpr'ofitof.ari'ynature; V^^ stated'in: (he schedule-is' a deposit-pjemium.only which shall be, op tn-ini/ rovprrd iiiinmn'hli*'u.'iiiiiv'hpin 4<T Mriutn-tnwA<< •-•>•,$}<''' /credited to the .amount, oflfie:earned premium due at : the end of.-Ihe policy KC, i^dUytUrCICU'UlwIIIUUIICWIIUpiUCIIIxUNVCII.vLvWCU, . / ^'-' . , j r , • L ' I I I . - . 1 . . i t . • . . • * • i » . . °j J.'i.. ...L:.I. ....n.: .: :-_t...ffL.. -..0j.rj'-.-/Li:-j'i.... ..>• • .^.-t .• period.,-- Earned premiums shajl be co/nputed monthly by applying pro:rata of Ihe !,^V<Xlannual''rate.for;each.,Coverage afforded to, theitotal amount;of .values shown.in '•'-''•''each of the nanied losnred'S; month|yvst4tement5 >'and,iuponinotice.|herep(. lo ,' the named Insured,'.shall'become due and. payable'.''Upon expiration oflhis insur- ance,or cancellation thereof by the named. Insured, the ;earned premium shall not . and reproduction of sound . .- iniU.'ied in the covered .W under the Collision Coverage, or carried the named under division (c) of'the'Firs.-Lightriing or-Tiaiispprfa(ipn Coverage;^5,1055..Id'any covered automobile caused., by ,'the 1 collision, 'or- upset.of -any -'land rrnotor,'yehlclc, •' trailer or. semitrailer [n or'upon'which try;'covered'automobile is beingitransported;' ried on'anyi'olher land motor vehicle,'tra|ler ors'emitriifcrQwriejI-'pRlilrfAy- •' imeil Insured, .from pDlnt!bf,:purchase :or dlstrib'jtion'to Mlhtif'oi'.-'rjestln'atlon.:.^ Ii points are more than 50-road;rniles ?par{; !.-:l: ,i'j'u^. •.."'I'lV^lft'iP*!'!-'''•• ^\ • ii. .or LIMIT Of IIABILIIY rental Cqvcygevto loss resuljifg (fom:.rain,'snow-pr;s|eet(\whether : IIY ''•-:!'''^••';,^V:'^-: ir'ri/n.''••^'•^'iV'!.^!^'-^''"!'/ The limit of the company's liability for loss.|o any one covered.autoinolinejshall .-;.S:\ thereof the actual cash value of such part, at (b) what it y,ould.lhen thereof with other (a) the actual cash va|ue of suclucovered ai<lomoblle,..qr'|jfy.the.-los{Jjs2'jo.'/parl-.. cash'value of such part, at'time of lOJJ; nor;4,-f 7!^..:,:'^'-,{bj "Quarterly Reporting" i cost ;to.repair,or;rephce such:covered aotojiioblle,of. par{'•• - - • of. Itye' kind and'quality, with ;'def*' '':•)'for..depreciation; '.':-'. provided that, unless with' respect'to such covered J!'t'~obi]e the jnsura^'ce'afforded^.v ' is designated'in the schedule as applying' to ;'al|- parlies 'at* Interest'-thercjn, -.the : company shall .riot be .liable (or a. greater proportion of any'; siiclr joss 'than the •/. amount a.t interest therein for,(he party whose interest is so.'de'slgnatea.bcars to '' the.actual .cash.value.'of.such.covered.;iitomorjilc_aLjlic_time;of_suc(i.|osjA_^_ ' be,less than the minimum.earned premium stated in Ihe'scheduleji t)/ |( ! upon cancellation '.'.or expiration of. Ihi? insurance, the earned, premium cn'nnnt :'be'd^lcrminpd hecausc^'of. (he named Insnred's'failure'to render'the j:!;. statements required'hercundcf,'-the earned premium for the period for'which j' 1 .-'statements have not been rendered-shall be'computed by applying pro rata of the .'• ; annual rate for :eacfi,Coverage afforded a( each location to 75% of. the total ;;:'|.limit of liability therefor at cach'.localion'. ' . ;'.'-.,..!' ; - -; ,(i) The nimed insured shall render to the company, on or before the'fifteenth day .:; of the fourth month'an'd of every third month thereaftef a statement, on-the i.,,j form provided by the company,.of the location,of air.cwred aiitbraoblles and i.f the actual cash value (hereofta| the close,of business.on a givcn.day or days '. '. of the preceding three months, determined as indicated in the schedule.! Each , , ' • • ' such quarterly statement'of values reported for the named location -Identified. ~:-'-—|n (he-schedule''as the malh'salcs location shall be Inclusive of the actual cash •' value of all..covered,automobiles made.available for .the use of .the named iircd, oincers; or^mpldyccs,thereof and privately stored atTither than the named locations;";' 1'-. '• , • ' • ( • ' ' • ' • . ' " ' . • ,. . '' ' i'.••'' ; , ,, ... .. , ,. .,,.. - , , , - . . , . ^'fy^l'y^'^^anwyne.;:'-;:^^!^ premiurn'stated in r'the'schedule ;i's"a. 1 deposit premium only which 1 shall be. applicable limit of..liabi|ityvsta|ed jn;^ to the!amount'of:Mhe earned 1 premium due at the end of the policy basis;(or .thisjnsurance ls;in.dicaled In.[he schedule ^('^r^^^^^i''. /:"-.., period. Earned premiums shall'be"computed qu.irlerly by applying pro rata of the- III" IntM of V^fl"1^ I.: ;'• •: ' ^•^•^'^•••A'*^ ' ..-,; •- C- .... * . - -•• :^.p. • ';': ;,^, :^ii:.;S |i|pS|&:'-S^:; - ' a ;, , • > , •:;... •"• . . . •• .V',f -..•!••:• . ' • • • • '. •• • . ,'; •-.<;• f * : • i 1^4?frjfl$',?? 'w:%V,^^i,i>y:^.; ;•• •»••;•;•:•: • " • • . . •'.• .,.;'„•.• . .. . The tallowing spaces preceded by an asterisk (') need be completed only lt:tniS',Endorsem'erit Is Issued subsequent to preparation of •y< <•••;. y\-?-fo^;:-^>Vf- -^ u. •*/#.& ?-ffi^ ry^*-- .. the Pol *This Endorsement. Effective^ . ' • ; - • • . "•"January 1 ,^1983^ '.^ '•'•'•• Forms a Pail of Policy'No:. • . , . •:, . ; . -.••:;;..>.'.• •' GAL.'500i805 :'-- .OfMhe;; Vf-V^'j'-^-'':*;'• !; ;''' :r ;.-:'* :- ;-:;' !' ' •'..'• " : . :' ••{Fireman's Fund Insurance Company •Issued To Ramsey Motors; Holiday Rent-ArCar•and> TR >-& ?R Properties, Inci ''a/J/i/m/a ' In consideration of an Additional Premium of I _^^ J_rri^'ii'£.'l!';-^.l-_-.i;-lL?i!-s'iI;: •}.*' ..!-,- -,•*-•' .-;.-. .. ••^^•k:^mm^^^y^^-- •^^.•••-..-..•. x-'.': : -. • . ; - • ; .'-;f•'.-•'• •;" ^^.^.;-*;-^v^;;; *.;':••'•*?? ; - . ' ^ . - : ( " - . ,v^^^^^•V•vS::•vo^^t^-•'^^:!ilf••i:V ' . ; ' ' , : ;'.: •0:: : ^ - - : i = - •^l^m!^ ^ x,-:>'^>v;.^ ;:.v'fv ,vi^:^M'^ii^ »;.•.- :v ^^••^::^. ^.^FLOOD-EXCLUslONM^^^.-!-- ;^;^}i* •,^1?!^.^^^^^^l^-^f^.- ^ ' ' ^;:ffift ;;:;'UNINSURED MOTORJ^ ' ' . . - ' ' [ ' ? '.. . : > ' ' l ; ' - ' - :' ' , " ' • • • ' . ' • '.'"^"^ T ;" ' • . ' :V:^'i'i;/T-r 1','*'v: V' 1':-' • . •' '';'••• '. .."•"'•'"' ' ' • : • . . . • ,'• ^':'!- • '•• ': '•..'•' .'.V.'i'-..v;''-'i •'. •••. ' •. ,'. • '• > " •' '•' •',••'• ••. . ' I-'.''.? "i"..''*"••' •. ••.' .'. f • ' SCHEDULE -''-'•':•• 'General-Automobile Liability Policy N6. GAL 5001805 Jesignated Insured ; Ramsey Motors,-"Inc. ;, Holiday Rent-A-Car & R .& R:.Proper.ties,'Inc. , 'Description .of Insured Highway Vehicles' (Check appropriate box)''" ' (2) Any automobile owned by,the named Insured,,.:•.'.• • •.:'••:».;• vi K\ '•'*•{*\ :-•"ii~ > ,:•',' •• ' ''' . r (2Q.'Any private passenger automobile owned by trie harried insured-.!';/"f;' ;• '%'>>(>'•. {'i^T"; h !•.'..',,,.,'• si '»• '-H-- '• -: / ' Q Any: highway vehicle to which are,attached dealer's* license,,plates ^Issued to Jhe, named Insured'' ,,.,•' ';"•!••!•'.:., •>" ( ~l Ariu KinKiu*u ira kif f a* /4nf>innilnf4 in (lift' r4A/*l-ir^finri* /\f Ilia nnlli*u ku f ha ' laf tar*> "MM'' 4nn 4 hltrhuf 4lr Vaflfola nuinarehln nf Q Ariy highway vehicle* designated the policy period by the named fj Any mobile equipment owned or n,-————I^^-L in the'declarations", of the policy by the letters .^UM":'ahd a highway vehlcJe ownership pf. which is acquired during Insured as a replacement therefor • ,„. i/.,r:i<ji* ?k. V ,r ^:;:;.,J^j-itr ',"' .•'••'•i •.•;.;;:.'i:"»-- /• . : •• ' leased by-and registered in ihe .name of the nameo:'lirisured;'j'-.-'.'!'l^'''.'^,<; v $:i:.:" .''!"|/'.^ .' '•';''•''','• ' '' ' >:'' ; v'-t:.i.y.i?n^':.r- ':>-. ' TJ • -V' :: i^''1'' ^ ''^^tyfo*^;^ ' .,'"<:'.'''-'^ •"'}•'' •11.' I. COVERAGE U-UNINSUREO MOTORISTS (Damages 1 for Bodily Injuty)' j:' • •"' .The company will pay all sums which the Insured or his legal representative be legally entitled to recover as damages from the owner or operator of sured highway vehicle because of bodily injury sustained by the' insured, by accident'and arising out of the ownership, maintenance or use sured highway .vehicle; provided,, for the purposes of this coverage, as to whether the insured or such representative Is legally entitled to recover such ' cages'/ and if so the amount thereof, shall be made by agreement, between the id or such representative and the company or, if they fail lo agree, by No judgment against any person or organization alleged lo be legally responsible*, for the bodily injury shall be conclusive, as between the* Insured and the company;, of the issues-of'liability of such person or'Organization'or of the amount !of; damages to which the insured is legally entitled unless such judgment Is 'entered • pursuant lo an action prosecuted by the Insured with-the'written consent of tile, company.''•";.':" •"•• '. ' • = ' " ' • ' • ' ! < • • ••••••,••;•!•• ^ •.',: I,;M. ••• ... 'n.j.'./vir Exclusions "•!< '•*'.•• ••• •"•' '-i " . ' • • - . • ' • '•;.; - "'.,:i"!v" , . .:.:'.,•"; • . ••- ..I-' ••• '<••'; • '. « . ?••, ;:. "•;• u, f^ ||l.'' ." . This insurance does not apply: •.;,; i,'; :,.-.' , • .;... .•••.!.. '.': i.... .' (a) to bodily Injury to an Insured with respect to which ']suchi Insured, his legal representative or any person entitled to payment under this'Insurance -U-M ' without'written consent'of the compan; i,-1'- •>«.—• 1.1-(• ;' ;•«'.)•:'An ('Hi.: Jli. LIMITS*Or1lABlLITY'v'j^;,^!f; ;;';./:': .^ij^'v. "' ' ' J _ .,' provision respecting "each person"; 'the 'limit of liability ....„ ... .... . declarations as 'applicable to "each' accident" is the total limit of the company's . liability 'tfor1.' all damages because of bodily Injury, sustained by two or more • pirsdhs'as'.'thA' result :of any one accident: .Iv-fl'"*"1 ''• ', ,.'...• ' >i^..\^iv>'^' M-iK"1'-/*. •!•} • • • • ! ' - : V:?! >:'-'f-5' ' '' ' (b) Any) amount, pa'yable>ljlider; the terms of this- Insurance because of bodily injury •fustalnedi'ln-an-'ac'cident'.byta^person who Iran insured under this .coverage ' ' ' ' shall;b^reduced • . , . . • . . . , ; ' . • , (lj$[^^^^^ , (p!;.(i) f.the' owner or • operator of.Jhe lintnsured highway vehicle and •'• • : • '^.'(ii) .ijiij/''b(her persorl or organization Jointly' or' severally liable together with ; ^•'ivf.ji'sucfr'own'er ;o'rdperatdrjfdr 'such ^podily. injury, • ''';; ;';,'"•, .,'.',.. . ,'' Including \alti ji'ms'1. paili urjrJer the bodily injury liabiiity coverage of the policy, '' " " '' ..or v , (2) (he amount paid ?'•* the present value of all amounts payable on account of legal ',•;.>' such bodily Injury under any'Vvorkmen's compensation law, disability..benefits shajl,''''"•'?'•.IJ-'!law-or":'ahy'similar law.J.ai^i'' " ^: ,." .•• .'i|it.': • .-• •• ... ;^ -.; '>• .;• houfwrmeri consent 'of the company .niake any settlement with.any person;;,: .' i$?Dj^'^L'' •*}-£?'&* &..XL.-1 iL".:1^;! i_. ^....^^...^l.'lA^ organization who may be legally liable therefor; ; ! • ..',;" '.' i • ''' ... (c) «ny payment.maae unaer • • • - , • ' "•'.'. :•-• \'''':•! s i'.'.•'•''.:.• JA'/i-., j.;!--... In,reductiop of-the-amoi c) b) to bodily Injury to an Insured while occupying a highway vehicle'(other than an •';-,'• insured highway vehicle) owned by the named insured, any designated Insured „• or any relative,resident In the:same'ihousehold as the named or designated'!-' Insured, or through being struck by'such a vehicle, but this exclusion does not apply (o the hamed Insured or his''relatives'while occupying or If struck by a i highway vehicle owned by a designated Insured or his relatives,- • •• ;, • ...... .., • •:•• . . .... • • tj. .1 •• ' -. .i..,iu... , •. . .;:'-"A|:•'1 so as (o inure directly or indirectly to the benefit of'any workmen's compensa- . tion or disability benefits carrier or any person or organization qualifying as a self-insurer under any workmen's compensation or" disability benefits la any similar law.' • ••• -. : ;i'd •"" ! • ' i .' ''•'' . I. .PERSONS INSURED ' •••<•:'• '--• ' • , *, Eacfi of ihe following is an insured,under, this insurance irth below; <•-.._.. • . : ., i;;ni..-'; iv '" this insurance.to or.for any insured.shall be'applied amount,of'damages which, he.may be entitled to recover from any person, or .-organization.who: is an Insured under Ihe bodily injury.lia- bility coverage of.the".policy.sut"<)•:'-•••.'A>'n>i';\\-i'< I'M. ' ': ••'.••' . , • : : " . , ; , . . ( . . . . . - r,1, ' ' . : ' * . . < .' ' the company,, shall'not be obligated to pay under this insurance that part of the.damages'which the.Insured may be entitled to recover from the owner or operator of ah uninsured, highway vehicle which represents expenses for medical services .pald^or payable', under, the medical payments,coverage of the.policy. ,-.\;:Vll!''«l'V.>y,'!ii..''f.v.jA.J!i!-:'>..l'''.','>.1 " •" •: . ' '•?••'• •-. • • • • • : ' " • '""""" PERJOD; TERRITORY i1' jDduim/, ucnciua. tan ui • • .^.l; r ••. , :• • ; "> i / '; . . . . . ' ..;'• ,/:,v ,''"' This Insurahcelapplles'.on'iy'to.accidents'whicti occur during the policy period '•'• - ' • • ' • • " ''•' ."•''"' > and^within^the Unite^States^pf.Anierlca, Its territories or possessions, or Canada. . '.- ' "/ .l/.tni'u III.'; i'.'.. I-.••]',,••<l>.':\''^r-\ I1).'! '! '•,''• l-'n • : i.". .' ".' ce loathe, extent'set! ^V/'ADDITirjNAL^IJillTiONS'^ ','- ."'. . - , ' ' . ," ... ' ;' , .;•'.' •'•'•'• .'; When rlised'InReference to this Insurance (including endorsements forming d Insured and, while, residents of the same • part of the oollcy • • • . • ' • . • ' ' ' • ' ' . - • of .either; •,',',„, ,M|-l-.'.,.., .\'..;,:j.\'«:'': ••• l ••!<•.(":/• •'.>•""••'>' l>.!*"!l ?n.-;:.!i'-'. •••"•• -^ OIVWI.M: i . ;. .1, •: "•'-•' .'; .'."'• . ' . ' • - . ' . ;,', :..,;,, ' ./•!(•,'*•;."..••••, ."designated Insured"'means an Individual named in the schedule under Deslgnat Insured highway, vehicle- and ',;.',../•'.'',• '".Insured; rr1.,1!^ .i:-i-'.« ;..' "../'-i'^ •'i • ' « ; - • • : ! :-J •«;! -"i ;" •.-:'•:•••.•.• • • . :) V ed insured and any designated h*^ ^,jld, the spouse and relatives i) any'other per'son while occupying an ) anv personi with respect to damages he 1 is e'ntitied'io recover because of bpdlli vfi1! ''highway yehlcle^means a land motor vehicle or trailer other than • ••' '• ^ •• ''r- .Injury to which this insurance applies sustained by an insured under (a) or (b) Vr (a) a farm, type-.tractor or. other equipment designed for use principally off public abov?- ','.". . . -..,' .. , . . - , , • , . ;.i- v-V; •'••'••" roadsr>while not upon public roads, • . • • - . : •' • >''••' • •(. ' •• '• • ' • ' • • l . - • • • • » " ! . - ...'•"'• .-,.' I'lldl'.1'.''. I i. i-!t . it,.- 'i- ,." >,l',, •: .'.; L-1 . ' The insurance applies separately with respect to each Insured, except with respect " •. ; "V vehicle.operated on, rails:or crawler-treads,.or^. '. • , • . the limits of the company's liability. •'•••'\ • . ;• • t-;;••".•.;•.;;.<•.«!; (c).a vehicle whlle'located for'use as a residence''dr premises; INUUIIJ a mull naj uuunjr injury lu an amed or designated [nsured or by the'spouse of ime household;..' 1/ l,^\'i J;'-'^,':'.^,'^^'' .• hide".shall no[ Include",';''•"''• 1'%1'iJj*^. : (ii) angnung iromj .-{,»(•;••.;,'!'> •'• ' ory or possession of'{he Unijed • Insured arising out of physical contact of such vehicle with the Insured or with ' a vehicb which the Insured is occupying at the lime of the accident,'provided; i (aHhe/e cannot.be ascertained the Identity of either the operator or owner of slich highway vehicle; , , . , , . . . l r ' . - . . .', '.': .-^/irwli'ii'1 '•• • (b) the Insured or someone on his behalf shall haVe'repprted^tlie acqdent WJthlr) 24 hours to a police, peace or'judlclal officer or to the Cornmlsslpne'r of Mqtor Vehicles, and shall have filed with the company within 3Q days,':thereaflera atement under oalh that the Insured or his legal representajlve'fias a cause support thereof; and ' ' ' ' ' ' ' '-'i'J,'?/.'-..,,. v... , • (c) at the company's request, the Insured or his legal representative'j'makes available for inspection the vehicle which the Insured was occupying a( the lime of (he accident; . . . :[.''''.£•'.•'•&';'"•' "insured highway vehicle" means a highway vehicle: . •, : <^;i';if^;,:, .-. (a) described In the schedule as an Insured highway vehicle to'which; the bodily injury-liability coverage of the policy applies;'.' ,'r •,' c-.'^yV^vr/'^'' 'V; (b) while temporarily used as a substitute (or an'.lnsure(f"hl£hwayl'vehicle as described in subparagraph (a) above, when withdrawn from normal use" 1 because of its breakdown, repair, servicing, loss'or''destruction; (c) while being operated by the named either if a resident of the same ' but the term "insured highway vehicle (i) a vehicle while used as a public or livery conveyance,.unles;x 1such use Is specifically declared and described in.this policy; ^ i.v, ^'.fcjiitrj.!,"-v^r,T a vehicle while being used without the permission of the-owpefj'Ai'..!l:X| '•' (iii) under subparagraph:, (b) and (c) above, a vehicle owned by the'narried Insured, any designated insured or any resident of the same household as,the nameij • or designated Insured; or:' •.;,;. ' ;.'• „£., •<?*.' i*1!*,' f •.^M^-A'V-i-'1.'' (iv) under subparagraphs (b) and'(c) above, a vehicle:.furnished for,(he' regular, use of the named Insured or any resident ol the'sanie hou'se(]o|aYtf',;,>,jh,;. "occupying" means in or upon or entering into or alighting from;VJ,'&J(|1;t$«-'1 ••'• ' "state" includes the District of Columbia, a territory States, and a province of Canada; "uninsured highway vehicle" means.- (a) a highway vehicle with respect to the ownership, maintenance or use of which there is, in at least the amounts specified by the financial'responsibility jaw of the state in which the Insured highway vehicle Is principally garaged, no • bodily injury liability bond or insurance policy applicable at the'lime of the' accident with respect to any person or'organization' legally responsible for 'he use of such vehicle, or with respect to'which there is a bodily Injury ability bond or insurance policy applicable at the time'of, the accident.but V^_^he Company Writing the Same dfn'" r/\u»rao« IhoroiinHnr nr Ic Inr- h>rnm« insolvent; or . ; • : ' (b) a hit-and-run vehicle; but the term "uninsured highway vehicle" shall not (i) an Insured highway vehicle, > •'.•,.•-. • . •: •...^.!;;.t- '^'^V^^'Vlr'^'Hv^' (ii) a highway vehicle which is owned or operated by a'self-Insurer;'within the • meaning of any motor vehicle financial responsibility law,* motor carrier-law or any similar law, •'• ' • , • • • ' . • - - ; - •'•!;:: ••"•.<v'^j*.--'!•,-'•: (iii) a highway vehicle which is owned by the United Stales of America/Canada, a state, a political subdivision of any such government or an agency of any of the foregoing. .; • >{•» ;j,' , . •''.'.•'•''''.,&$}.•-''•:••• VI. ADDITIONAL CO:::!TIONS . , . . ':' ,'•',','. ; &$•'!'' • £ ' • ' " - . ' • A. Premium. :'•.'[ '-'• • '••"...- . - " , ' ' • . : , ; • , ^'V !• If during the policy period the number of insured highway vehicles owned by the: named insured or spouse or the number of dealer's license plates Issued to the named insured changes, the named Insured shall notify the company"durjng the policy period of any change and the premium shall'be adjusted in accordance with the manuals In use by the company. If the earned premium thus;computed exceeds the advance premium paid, the named Insured shall.pay the;excess to • ' the company; if less, the company shall return to (he named Insured the. unearped , portion paid by such insured. ; • : '' J!:^.,'•(..',' •'|!:il'|}iVlr-'".::':'-'• B. Proof of Claim; Medical Reports. ' :'• " " ' ,1';'! :!^U''!v-jfW^'^:';... • As soon as practicable, the insured or other person making \:lalm "shaJIgive 'o the company written proof of claim, under path ih required,.', including full particulars of the nature and extent of the injuries, treatment.'and, oth,er details .'_• entering into the determination' 1 of the amount payable hereunder.'(Jhe'Insured , and every other,person making clairn h^feunder .shall'submit to .'examinations V under oath by any person named by the company and subscrib'q .theTjame;1 as often as may reasonably be required. Proof of claim shall be, made up'on'"forms " furnished by the company unless the company shall have'failed'to furnlsh'such, forms within 15 days after receiving.notice of claim.'*.''".• .' '?":/'•'>^;.:v! *'; The injured person shall submit to physical examinations by physician'sjsejected .•'• •the company when and as often as the company may reasonably require and - ,'Jlij v.C t." '•!'• ' denies coverage thereunder~or Is .'or.-becprpes .•; ; '•• •;,:•. t: •;•. .'.,•• >i -^i}^''':>!•?*(•• «n; vehicle", shall not include:' '^'. '.!'" -1,.\'.':'i.'.' •ire, or in me evEni ut ms im.dpdi.iiy in* iej;<ji icfiocmuuiu, ui n, ,„>. ........ (of his death his legal representative or the person or persons entitled to sue •>- , Iherelor, shall upon each request from the company execute authorization to "; ' enable the company to obtain medical reports and copies of records. ,, •• , . . . t'r.'' .it i i i - : • . •- .-^ !.VA»jstance and Cooperation of the Insured.- '••.••' • •.'• •.. ;J-' --v:-/'- :.(After notice of clairn under this Insurance,-the company may-require the Insured| ' (o take such action as may be necessary or appropriate lo preserve his right to '• •-, d recover damages from any person or organization alleged to be legally responsible. '. j for the bodily Injury;'and in any action against the company, the company may' >:,;- require the Insured to join such person of organization as a parly defendant. ; D,'i.Notlce of Legal Action. ^ '^• ••• '"-•*• : • '' :"'-,v .-}?.'/v '• • If, before the company make's payment of loss hereunder. the insured or his) /•'• legal representative'shall Institute any legal action for bodily Injury'against any person or organization legally responsible for the use of a highway vehicle ; .. Involved in the accident, a copy of the sumrnons and complaint or other process. •• served In connection with such legal action shall be forwarded immediately'to;. ••' the company by the fnsured or his .legal' representative. ' • ' " , . ' ": ':i E. Other Insurance. .1'VJU';•'•.-•.-.• • ' • . > ' ''--V 1 •*':'.'• : With respect to bodily Injury to an Insured while occupying a highway vehicle; , not., owned by the. named Insured, this insurance shall apply only as excess' . .. Insurance over any other similar insurance available lo such insured and appli-> < •'; cable to such vehicle'as primary insurance, and this insurance shall then apply! • only'in the amount by which'the limit of liability fox (his coverage exceeds the • ' applicable limit ol liability of such other Insurance. ," -. . Except as provided In the foregoing paragraph, If the Insured has other similar •. Insurance available to him and applicable to the accident, the damages shall be .:"' deemed not to exceed the higher'of the-applicable limits of liability of this ',.; Insurance and 'such-other insurance,'and the company shall not be liable for a • '. greater proportion of any loss to which this coverage applies than the limit of, Y liability hereunder bears to the sum of the applicable limits of liability of this 'v Insurance and such other insurance.':'"*;' ; ' • • . ' * ' • ' y :-• F.' Arbitration. V j; ' • ' ';• '•'; ' • ". ' • • ' • • ' V ..<'. |f any person making.claim hereunder and the company do not agree that such person is legally entitled to recover damages from the owner or operator of an' uninsured highway vehicle because of bodily Injury to the Insured, or do not 1 agree as lo the amount of payment which may be owing under this insurance! then, upon written demand of either, the matter or matters upon which such . person and the company do not agree shall be settled by arbitration, which shall ' be conducted in accordance with the rules'of the American Arbitration Associa- .- tjon unless other means of conducting the arbitration are agreed to between the , .'.,: Insured • and the company,'and .judgment, upon the award rendered by the " arbitrators may be entered jn any 'court having jurisdiction thereof. Such person and the company each agree to consider Itself bound and to be bound by any • , award made by the arbitrators pursuant to this Insurance. G. Trust Agreement.' ' • '.'i' '' ' . In the event of payment to any person under this insurance: . ' ' ',,' ..' (a) the company'shall be entitled to the'extent of such payment to the proceeds • , '.. 'of any settlement or judgment that may result from the exercise of any rights of recovery of such person against any person or organization legally re- • ,. : •> . sponsible for the bodily Injury because of which such payment Is made; i ;(b) such person shall hold in trust for the benefit of the company all rights of ' recovery which he shall have against such other person or organization i',> ; because ol the damages which are the subject of claim made under this ' ' ' Insurance; • . ' . . . ; - . - • (c) such person shall do whatever is proper to secure and shall do nothing alter loss,to prejudice such rights; . v.; ' (d) if requested in writing by the company, such person shall take, through any representative designated by the company, such action as may be necessary . ,. or appropriate to recover such payment as damages from such other person , or organization, such action lo be taken in the name of such person; in the event of a recovery, the company shaft be reimbursed out of such recovery for expenses, costs and attorneys' fees incurred by It In connection therewith;: (e) such person shall execute and deliver to the company such instruments and • papers as may be appropriate to secure the rights and obligations of such person and the company established by this provision. II. Payment of Loss by the Company. . . , . ' . . .Any amount due hereunder is payable ,, • • •': (a) to (he Insured, or : ..).-; , .', . (b) if the insured be a minor to his parent or guardian, or ' ' .' •''.'He) If the Insured be deceased to his surviving spouse, otherwise . , '.'' •* : (d) lo a person authorized by law to receive such payment or to a person legally . entitled to recover the damages which the payment represents; provided, the company'may at its option pay any amount due hereunder In accordance with division (d) hereof. ... . I 60 , PERSONAL INJURY LIABILITY INSURANCE COVERAGE PART ^HEDULE . ' • ' • ' • ' ' " ' '• Generai— Automobile Liability Policy No.' i.lnsurance afforded is only with respect to personal Injury arising but of 'an. offense Included' within ,rtdicaled by specific premium charge or charges. • ' 'r"-:' '•'•'••..* :r i-i '•'.•>!. '• A GAL 5001805 • : . ' • ' ' ' . . "' such of the following groups ,of offenses as •.':-••--•; ••• GROUPS OF OFFENSES ,-';-;"'.i> .'-. •:<•:'. -VH--S-V ...• • :•.;.. A. ' False Arrest, Detention or • Imprisonment, or Malicious Prosecution '• • ' . " ' " • ' • • ; ':.?>.." . . - - • • . • • . .- ; < B. Libel, Slander, Defamation or Violation of Right of Privacy ' •<•• -'• -' , - ' ?'• •'<•'' •.• ' ' " C. Wrongful Entry or Eviction or Other Invasion of Right of Private Occupancy '•• .!''•• i .' 'P ! • ; • • , ' ; ' . • ' • • . . . • : . . > : ' • . . Insured's Participation 0 % | Minimum Premium | $ ' ' • ••• •• ; • | Total Advance Premium are ADVANCE PREMIUM $ Incl. •• $ Incl. J Incl. . $- Incl. . Exclusion "C" deleted. .; Subject to $500 ,000. Aggregate I. COVERAGE P—PERSONAL INJURY LIABILITY ! , ; ..'The company will pay on behalf of the Insured all sums which (he insured shall become legally obligated to: pay as damages because of Injury (herein,called "personal Injury") sustained by any persbn or organization and arising but of one or more of the following offenses committed in the conduct of the named Insured's business: • . • . - . • . ' . ' ; • ' • • '.. -t : •. • _ -;'K'"! '•'• •:•.' ' ' ' . - • ; •' .;'' ',•;•' -. '••('• ' . ' '•^•".^',*''•*•• Group-A—false arrest, detention or imprisonment, or malicious prosecution-'':.' -' • Group B—the publication or utterance of a libel or slander or of other defamatory .- ' or disparaging material, or'a publication or utterance In violation of ': an individual's right of privacy; except publications or utterances In '.*,' the course of or related to advertising, broadcasting or telecasting • ' activities conducted by or on behalf of the named Insured;. : : , < Group C—wrongful entry or eviction, or other Invasion of the right of private • occupancy; ' .'. -.... ' ':••• •' ; '" if s fense is committed during the policy period within the United States of Ame-. ,ts territories or possessions, or Canada, and the company shall have the right aKd duty to defend any suit against the Insured seeking damages on account of such personal injury even if any of the allegations of the suit are groundless, false or fraudulent, and may make such Investigation and settlement of any claim or suit as it deems expedient, but the company shall not be obligated to pay any claim or judgment or to defend any suit after the applicable limit of the company's, liability has been exhausted by payment of judgments or settlements. |e) to personal Injury arising out of a publication or utterance described In Group B ;.->)• concerning'any .organization or business enterprise, or Its products or services, '' /made bjr or at the.direction of any-Insured with knowledge of the falsity thereof. • , . -.. Exclusions ' - , ' , This insurance does not apply.- :' ..'.'• .. ;" -.j :, (a) to liability assumed by the Insured under any contract or agreement; :';t;^ £'.,;' (b) to personal injury'arising out of the .wilful, violation'of a penal statute ;or, ordinance committed by or with the knowledge or consent of any Insured; f'. (c) to personal Injury sustained by any person as a result of an offense directly or indirectly related to the employment of such person by the named Insured;.: ' (d) to personal injury arising out of any-publication or utterance described In Group B, If the first Injurious publication or utterance of the same or similar material by or on behalf of the named Insured was made prior to the effective date of this Insurance; •' . " : ' • : 11. rtnaurm^iniyriLu jvij .>,,, v . • . . . . . .1 • :'-.". r. Each,^6_f1rie^fo|lowjng Is an Insured under this Insurance to the extent set forth' '• ta) if the^nahied'lnsiired) Is'designated in the .declarations as an individual, the 1 person jsifj designated and. hisespouse;. 1 <'% *\\ • '•-, ; _. (b) if'ihe'; flamed'Insured1 is "designated In;'(he declarations as a partnership or .. joint.ivehture.'.the partnership or, joint venture so designated and any partner - '.or member ..thereof but only with respect to his liability as such; . (c) If the'hamed Insured Isideslgnaled in the declarations as other than an Individual, -' partnership or Joint venture/ the organization so designated and any executive officer,-director or-stockholder thereof while'acting within the scope of his .' duties as^siich.-^v/i;;1 • : . ' ' . - > , , • ' , • ; ' " > ' ' • This Insurance does not apply to personal Injury arising out of the conduct of any partnership or Joint venture of which the Insured Is a partner or member and which ,. Is riot designated In this", policy as a named Insured. •'_' -. ; '•-.; III?' LiMlfs :OF llABILiTY INSURED'S PARTICIPATION '•• Regardless !bl the number of (1) Insureds under this policy, (2) persons or organiza- tions who sustain personal Injury, or (3) claims made or suits brought on account of personal Injury, the total limit of the company's liability under this coverage for ail damages, shall, not exceed the'limit of personal Injury liability stated In the declarations, as;. "aggregate". • > •; •'.[•. <'' f If a; participation percentage Is stated In the schedule for the Insured, the company .shall not be I|abl4',for a greater proportion of any loss than the difference , between, such,percentage;and one hundred percent and the balance of the loss ' .shall.be borne by-the Insured; provided, the company may pay the Insured's portion :>jl of a loss to.effect settlement of the loss, and, upon notification of the action taken, - the named Insured shall promptly reimburse the company therefor. IV. ADDIT .. i . When useid .jri feferehce to this Insurance: • "damages'"Vrnean5'; only -those damages which are payable because of personal * Injury arising out of an offense to which this insurance applies. ' '•''. fCV^'£ !.V'- ;.,. •'.' ;;','.••?".' vJ -...' •'"'• •«' «• .<'. r'' t' • .: • • ' .'•' "•«]*'.'••'; :• '. r, ' ir..;V'-.' ••.! -.. EMPLOYER'S LIABILITY STOP-GAP COVERAGE ENDORSEMENT It is agreed that such insurance as is afforded by .the policy under Coverage Part.. Bodily Injury Liability, applies also to the liability of the insured for damages because of bodily injury by accident or disease, including death at any time re- sulting therefrom, sustained by any employee of the insured arising out of and in the course of his employment by the insured in the.United States Virgin Islands or in operations necessary or incidental thereto, subject to the following pro- visions: ' ."' .'••':'."•'.''.••'.'"•' ,-*.. '•' .'' A. This insurance applies only provided the insured.•-(!)• has, where required, filed acceptance or election of the workmen's compensation law of the United States Virgin Islands and will not file notice of''.rejection'of the provisions of-such laws.during the policy period, (2) has insured all employees required to be insured under each such law and (3) duly reports all payrolls and pays all premiums due thereunder. •>'•••('• • ' ' , - . • ! . B. As respects the insurance afforded by this endorsement, the exclusions of the policy are deleted. This insurance does not apply: a. to bodily injury by accident or disease, including death at any time re- sulting therefrom, sustained by a master of member'of the crew-of any vessel or by any employee of the insured in the course of an employment subject to the United States Longshoremen's and Harbor Workers' Compensation Act, U.S. Code (1946) Title 33, Sections 901-49 or the Federal Employers' Liability Act, U.S. Code (1946) Title 45, Sections 51-60, sustained'by any member of the flying crew of any aircraft, or sustained by any employee with respect to whom the insured is not required to contribute to a workman's compensa- tion insurance fund; .. ' : b. to liability assumed by the insured under any contract or agreement, but this exclusion does not apply to a warranty(that work performed by or on be- half of the insured will be done in a workmanlike manner; c. (1) to punitive or exemplary damages on account of bodily injury to or death of any employee employed in violation of law,' or .(2) with respect to any employee employed in violation of law with the knowledge or acquiescence of the.insured or any executive officer thereof; d. to bodily injury by disease unless prior to'thirty-six months after the end of the policy period written clain is made'or suit is brought against the insured for damages because of such injury or death resulting therefrom; e. to any obligation for which the insured or any carrier as his insurer may be held liable under any workmen's compensation or occupational disease law, any unemployment compensation or disability benefits law, or under any similar law; . . ' ' . ' • . . f. to fines or penalties imposed on the insured for failure to comply with the requirements of any workmen's compensation, occupational disease or industrial safety law. ... ].. : • C. Definitions . * a. Bodily Injury by Accident; Bodily Injury by Disease. The contraction of I (j '< Oi ."'•'.'• 21 •:' disease is not an accident within the meaning of the word "accident" in the term "bodily.injury by accident" and only such disease as results directly from a bodily injury by accident is included within the term "bodily injury by accident". The term "bodily injury by disease" includes only such disease as is not included with the term "bodily injury by accident". b. Assault and Battery. Assualt; and battery shall be deemed an accident unless committed by or at the direction of,the insured. D. Application of Endorsement This endorsement applies only to injury (1) by accident occurring during the policy period, or (2) by disease caused or aggravated by exposure of which the last day of the last exposure, in the employment of the insured, to conditions causing the disease occurs during the policy period.. - • ' . ! ' . ' / •' . ' ' ' • - , ; ' . . . » , . - • E. Limits of Liability •: ' •;>;•'•"' : ' . " " . * ' ; . " ' ' • . .^—1 The limit of the Company's liability under this endorsement is $..**•• for all :e: damages because of bodily injury by accident, including death at any-time re- sulting therefrom, sustained by one or more employees in any one accident. The ": total limit of the Company's liability for all claims arising under the provisions "--'• of this endorsement shall not exceed $ ** . . in .any one annual period of insurance. ' • . - ' . ; • The limits of liability stated herein shall not be cumulative with any .limit of liability stated elsewhere in the policy. ' • : The .inclusion herein of more than one insured shall not operate to increase the limits of the Company's liability. : " **$300,000 E.L. (W.C. 7/77) •form No. 24- Puerto Rico Inspection Ei Kiting Dureau - J-7-S8 ' ' LENDER'S LOSS PAYABLE CLAUSE . ,, . ... Small Business Administration II any. under this policy shall DC payable to... — . — ...... v. .................................................................... ..;..... .......v........ Lo •• lender, mortgagee. or trustee, as interest may appear. It Is understood that th« l e n d e r , m o r t g a g e e or t r u s t e e now has or w i l l a c q u i r e from time to t i m e an i n s u r a - ble i n t e r e s t in c e r t a i n p r o p e r t y I n s u r e d under t h i s policy as e s t a b l i s h e d by w a r e h o u s e r e c e i p t s , b i l l s of lading, documentary or other w r i t t e n evidence. Provided also, that the lender, m o r t g a g e e or trustee shall notify this Company of any change of ownership or occupancy or i n c r e a s e of h m a r d w h i c h s h a l l come to the knowledge of said lender, m o r t g a g e e or t r u s t e e , and unless p e r m i t t e d by this policy, it s h a l l be noted thereon and the lender, m o r t g a g e e or trustee shall, on de- aiand, pay the premium for such increased hazard for the term of the,use thereof; o t h e r w i s e this p o l i c y xha.ll be null and void. • • ' '• This Coirtpnnv r e s e r v e s the r i g h t to cancel t h i s policy at any time as provided by Its terms, but in such case this policy shall continue in force for the b e n e f i t only of the lender, m o r t g a g e e or t r u s t e e for ten days a f t e r notice to the l e n d e r , m o r t g a g e e or t r u s t e e of such c a n c e l l a t i o n and shall then cease, and thia Company shall have the right, on like notice, to cancel this agreement. • . ; , W h e n e v e r t h i s Company shall pay the lender^, m o r t g a g e e or t r u s t e e any sum for loss or damage under t h i s poli- cy and s h a l l c l a i m t h a t , as to the b o r r o w e r , m o r t g a g o r , or owner, no l i a b i l i t y t h e r e f o r e x i s t e d , this Company ahall, to the e x t e n t of such p a y m e n t , be t h e r e u p o n l e g a l l y s u b r o g a t e d to all the r i g h t s of the party to whom such payment a h a l l be made', under all s e c u r i t i e s held as c o l l a t e r a l to the debt, or may, at Its option, pay the lender, mortgagee or trustee, the whole principal due or to grow due on the debt w i t h i n t e r e s t , and shall thereupon r e c e i v e a f u l l a s s i g n m e n t and, t r a n s f e r of the d e b t and of the m o r t g a g e and of all such other s e c u r i - t i e s as e v i d e n c e the i n t e r e s t of the l e n d e r , m o r t g a g e e o r . t r u s t e e in the w i t h i n d e s c r i b e d p r o p e r t y ; but no s u b r o g a t i o n shall impair the r i g h t of the lender, mortgagee or t r u s t e e to recover the f u l l amount of its claiai a g a i n s t the borrower, m o r t g a g o r or owner. ' All the other t e r m s and conditions of the p o l i c y to which t h i s e n d o r s e m e n t Is a t t a c h e d and of which it Is • t, r e m a i n unchanged which other teVms'. and c o n d i t i o n s Include the l i m i t f s ) of l i a b i l i t y named In the policy the conditions of any V a l u e R e p o r t i n g . Full Reporting,'Total Insurance or A v e r a g e Clauses I n c o r p o r a t e d ffie r e i n or a t t a c h e d t h e r e t o . . ; Attached to and forming a p a r t of Pol icy No. GAL..5.Q018D.5.........:. of the fl.^.^."..!.?....^.".^...^.^."^."^?.. Company of........lCalifprn|a.... Jiiued -t |g;....-..S-t-:^Jiip.mas-,-<V-.--J..m-_.n.... Agency- ANTILLES INSURANCE, INC. uo:-- 2164 AMENDATORY ENDORSEMENT AS RESPECTS COVERAGE OUTSIDE THE U.S. VIRGIN ISLANDS This endorsement forms a part of the policy to which attached j effective on the inception date unless otherwise stated herein. i (The following information is required only when this endorsement is issued subsequent to preparation of the policy) Endorsement Effective Jan. 1, 1983 Policy No. GAL 5001805 Endorsement .No. Name Insured Ramsey Motors, et al ' • ANTILLES INSURANCE, INC. Premium $ (Included) Countersigned by____________ ,) ; ,:.'••' (Authorized Representative) It is agreed that, if the combined Bodily Injury and Property Damage Liability Limits in the Schedule of this policy exceed $200,000 each occurrence, the Limits are combined into a single limit ofpliability for both Bodily Injury and Property Damage Liability and are amended to,'read as stated below, but only as respects occurrences within the United States of America, Puerto Rico or Canada: ' ' ' •'•:•• :.<:'"• ' ' $200,000 each occurrence $200,000 aggregate:C ! : It is further agreed that Section III, Limits of Liability, is deleted in its entirety and the following is substituted.therefor: . . "III. Limits of Liability. '.:''.'. <, , Regardless of the number of (1) insureds under this policy, (2) persons or organi- zations who sustain bodily injury or property damage,.(3) claims made or suits brought on account of. bodily injury or property'damage, or (4) automobiles to which this policy applies, the Company's liability is limited as follows: Single.Limit of. Liability (- The Company's' limitof liability for Bodily Injury and Property Damage combined stated in Paragraph 1. above as applicable to "each occurrence" is the total limit of the Company'si .liability for all damages, including damages for care and loss of services\ arising out of bodily injury and property damage sustained by one or more :persons or organizations as a result of any one occurrence. ... : • '.;:•:...' " • • -. A' 1' Subject to the above provisions respecting "one occurrence" the total liability of the Company for all damages because of bodily injury and property damage shall not exceed the limit stated in Paragraph 1. above as "aggregate". * •' ' ' . ' • .' ' ' For the purposes of determining the limit of\the,Company's liability, all bodily injury and property damage arising out of continuous or repeated exposure to substantially the same general conditions shall be considered as arising out of one occurrence." . .'.'•" • SPL 4 (10/77) Insert Declarations Page (Part Two! and Coverage Farus; nuit: nu-mui .^ -~a- -... . policy number to appear through window. ATTACH ENDORSEMENTS, IF ANY, TO TOP BACK OF DbLLAK/M part of or permanently attached lo such vehicle: power cranes, shovels, loaders, diggers and drills; concrete mixers (other than the mix-ln-transit type); graders, scrapers, rollers and other road construction or repair equipment: air- compressors, pumps and generators, including spraying, welding and building cleaning equipment; and geophysical exploration and well servicing equipment; "named Insured" means the person or organization named in Item 1. of the declarations of this policy; "named insured'! products" means goods or products manu(acll"°d, sold, handled or distributed by the named insured or by others trading under nls name, Including any container thereof (other than a vehicle), but "named Insured'*, products" shall not include a vending machine or any property other than such container, rented to or located for use of others but not sold; . • . "occurrence" means an accident. Including continuous or repeated exposure to conditions, which results in bodily Injury or property damage neither expected nor intended from the standpoint of the insured; . "policy territory" means: (1) the United Stales of America, its territories or possessions, or Canada, or (2) international waters or air space, provided the bodily Injury or property damage does not occur in the course of travel or transportation to or from any other country, state or nation, or • (3) anywhere in the world with respect to damages because of bodily Injury or property damage arising out of a product which was sold for use or consump- tlon wlihln the territory described In paragraph (1) above, provided the original . suit for such damages is brought within such territory; "products hazard" Includes bodily injury and property damage arising out of the named Insured's products or reliance upon a representation or warranty made at any time with respect thereto, but only If the bodily injury or property damage occurs away from premises owned by or rented to the named insured and after physical possession of such products has been relinquished to others; . "property damage" means (1) physical Injury to or destruction of tangible properly which occurs during the policy period, including the loss of use thereof at any time resulting therefrom, or (2) loss of use of tangible property which has not.beert!physically Injured or destroyed provided such loss of use Is caused by an occurrence during the policy period; "underground property damage hazard" includes underground property damage as defined herein and property damage to any other property at any time resulting therefrom.. ."Underground property damage means property damage lo wires, conduits, pipes, mains, sewers, tanks, tunnels, any .similar property, and any apparatus In connection therewith, beneath the surface of the ground or water, caused by and occurring during the use of mechanical equipment for the purpose of jjradinj land, paving, excavating, drilling, borrowing, filjinc, back-filling or pile " iclude operations performed Tor the named Insure tractors,, or. (2) Included within the completed operations hazard, or (3) for which driving, fhe underground property damage hazard does'not include property damage (1) arising out of operations performed for the named Insured by independent con- liability is assumed by the Insured under an Incidental contract 1. Premium. All premiums for this policy shall be computed In accordance with the company's rules, rates, rating plans, premiums and minimum premiums applicable to the insurance afforded herein. , • . Premium designated In this policy as "advance premium" is a deposit premium only which shall be credited to the amount of the earned premium due at the end of the policy period. At the close of each period (or part thereof terminating w'"- the end of the policy period) designated In the declarations as the audit the earned premium shall be computed for such period and, upon notice v ^A to the named insured, shall become due and payable. If the total earned prffnium for the policy period is less than the premium previously paid, the com- pany shall return to the named Insured the unearned portion paid by the named insured. The named insured shall maintain records of such information as Is necessary for premium computation, and shall send copies of such records to the company at the end of the policy period and at.such times during the policy period as the company may direct ' i 2- Inspection and Audit The company shall be permitted but not obligated to inspect the named insured's property and operations at any time. Neither the com- pany's right to make inspections nor the making thereof nor any report thereon shall constitute an undertaking, on behalf of or for the benefit of the named Insured or others, to determine or warrant that such property or operations are safe or healthful, or are in compliance with any law, rule or regulation. The company may examine and audit the named insured's books and records at any time during the policy period and extensions thereof and within three years after the final termination of this policy, as far as they relate to the subject matter of this insurance. . : . ' '• ' • 3. Financial Responsibility Laws. When this policy is. certified as proof of financial responsibility for the future under the provisions of any motor vehicle financial responsibility law, such Insurance as Is afforded by this policy for bodily injury liability or for property damage liability shall comply with the provisions of such law to the extent of the coverage and limits of liability required by such law. The insured agrees to reimburse the company for any payment made by the com- pany which it would not have been obligated to make under the terms of this policy except for the agreement contained in this paragraph. 4. Insured's Duties in the Event of Occurrence, Claim or Suit. (a) In the event of an occurrence, written notice containing particulars sufficient to identify the insured and also reasonably obtainable information with respect to the time, place and circumstances thereof, and the names and • addresses of the injured and of available witnesses, shall be given by or for the insured to the company or any of Its authorized agents as soon as practicable. • • . ,i • 'b) If claim is made or suit Is brought against the insured, the Insured shall im- mediately forward to the company every demand, notice, summons or other —- process received by him or his representative. " ' (c) The insured shall cooperate with the company and, upon the company's request, assist in making settlements, in the conduct of suits and in enforcing any right of contribution or Indemnity against any person or organization who may be liable to the insured because of Injury or damage with respect to which Insurance is afforded under this policy; and the Insured shall attend hearings and trials and assist in securing and giving evidence and obtaining the attendance of witnesses. The insured shall not, except at his own cost, voluntarily make any payment, assume any obligation or Incur any expense • other than for first aid to others at the time of accident. 5- > Action Against Company. No action shall lie against the company unless, as a condition precedent thereto, there shall'have been full compliance with all of the terms of this policy, nor until the amount of the insured's obligation to pay shall have been finally determined either by judgment against the insured after actual trial or by written agreement of the Insured, the claimant and the company. Any person or organization or the legal representative thereof who has secured such judgment or written agreement shall thereafter be entitled to recover under this policy to the extent of the insurance afforded by this policy. No person or organization Shall have any right under this policy to join the company as a party to any action against the insured to determine the Insured's liability, nor shall the company be impleaded by the Insured or his legal representative. Bankruptcy or insolvency of the insured or of the Insured's estate shall not relieve the company of any of its obligations hereunder. G- Other Insurance. The insurance afforded by this policy Is primary insurance, except when stated to apply in excess of or contingent upon the absence of other Insurance.; When this Insurance is primary and the insured has other insurance which is stated to be applicable to the loss on an excess or contingent basis, the amount of the company's liability under this policy shall not be reduced by the existence of such other insurance. When both this insurance and other Insurance apply to the loss on the same basis, whether primary, excess or contingent, the company shall not be liable under this policy for a greater proportion of the loss than that stated in the applicable contribution provision below: • (a) Contribution by Equal Shares. If all of such other valid and collectible insur- , . ance.provides;for. contribution by equal shares, the company shall not be liable for a greater proportion of such loss than would be payable if each • insurer contributes an equal share until the share of each insurer equals the lowest applicable limit of liability under any one policy or the full amount of the loss is paid, and with respect to any amount of loss not so paid the remaining insurers then continue to contribute equal shares of the remaining amount of the loss until each such insurer has paid its limit in full or the full amount of the loss is paid. (b) Contribution by Limits. If any of such other*insurance does not provide for coptribution by equal shares, the company shall not be liable for a greater proportion of such loss than the applicable limit of liability under this policy -.>-.for.such loss bears to the total applicable limit of liability of all valid and collectible Insurance against such loss. 7- ' Subrogation. In (he evelit of any payment under this policy, the company shall be .subrogated lo all the Insured's rights .of recovery therefor against any person or organization and the Insured shall execute and deliver instruments and papers and do whatever else is necessary to secure such rights. The Insured shall do nothing after loss to prejudice such rights. 8. Changes. Notice to any agent or knowledge possessed by any agent or by any other person shall not effect a waiver or a change in any part of this policy or estop the.company from asserting any right under the terms of this policy; nor shall the terms of this policy be waived or changed, except by endorsement issued to form a part of this policy, signed by a duly authorized representative of the company. 9-' 'Assignment. Assignment of Interest under this policy shift not bind the company until its consent is endorsed hereon; If, however, the named insured shall "i; ( • ( . . • ' • . . ••, " '• ; ' • • • • :• • •' (3)': U r.~OJ~) LI ti -J U U J I U J" 5TTUTT '. trptJTJ" \ J J ~ Insured'*'legal'representative, asithe named Insured, but only while acting within the scope 6f.his duties as such, and.'(2), with respect to the property-of'the named Insured, io the person having proper temporary custody thereof, .as Insured, but on)? Mft i5i<r ippomlment and qualification of the legal representative. 1/'? ''•{.-{ ' 10- Three Year Policy. If this policy Is issued for a period of three years any limit of the company's liability stated In this policy as "aggregate", snail apply s.r- ->ely to each consecutive annual period thereof. •'• ;/.! .'••:.' • ' • i . ' • ' ; ' • • ' • 1 ancellation. This policy may be cancelled by the named Insured by surrender thereof to the company or any of its authorized agents or by mailing to the company written notice stating when thereafter the cancellation-shall be effective. This policy may be cancelled by the company by mailing to the named Insured at the address shown in this policy, written notice stating when not less than ten days thereafter such cancellation shall be effective. The mailing of notice as aforesaid i ilwi-ill fiiuuj _ '-and hour of cancellation staled In the notice shall become the end of the policy period. Delivery of such written notice either by the named Insured or by the • company shall be equivalent to mailing. • : , ' • ' . • ; . ; . If the named insured cancels, earned premium shall be computed in accordance with the customary short rate table and procedure. If the company cancels, earned 'premium shall be computed pro rata. Premium adjustment may be made either at the time cancellation is effected or as soon as practicable alter cancellation be- comes effective, but payment or tender of unearned premium is not a condition of cancellation. 12- Declarations. Gy acceptance of this policy, the named insured agrees that the statements In the declarations are his agreements and representations, that l this policy Is Issued in reliance upon the truth of such representations and that this policy embodies all agreements existing between himself and the company or any of its agents relating to this insurance. IN WITNESS WHEREOF, the company has caused this policy tq be signed by Its duly authorized representative. This endorsement modifies the provisions of the policy relating to ALL AUTOMOBILE LIABILITY, GENERAL LIABILITY AND MEDICAL PAYMENTS INSURANCE OTHER THAN COMPREHENSIVE PERSONAL AND FARMER'S COMPREHENSIVE PERSONAL INSURANCE. — Stood It is agreed that: ' ' • : . • ; . : • • . . . • I. The policy does not apply: • ' • ; • .r -; ••'• :' A. Under any Liability Coverage, to bodily Injury or property damage ';\ (1) with respect to which an Insured under the policy Is also an'Insured under a nuclear energy liability policy Issued by Nuclear Energy Liability Insurance Association, Mutual Atomic Energy Liability Underwriters' or Nuclear Insurance Association of Canada, or would be an Insured under any such policy but for |ts termination upon exhaustion of Its jlmlt of x^, liability; or . • " . . ' ' ' "• ' :'••!',.•'.'• ' (2) resulting from the hazardous properties of nuclear material apd with respect to which (a) any person or organization Is required to maintain financial protection pursuant to the Atomic Energy Act of 1954,'or any law amendatory thereof, or (b) the Insured is, or had this policy not been issued would be, entitled to indemnity from the' United States of America, or any agency thereof, under any agreement entered Into by the United States of America, or any agency thereof, with any person or organization. . ' i ' B. Under any Medical Payments Coverage, or under any Supplementary Pay- ments provision relating to first aid, to expenses Incurred with respect to bodily Injury resulting from the hazardous properties of nuclear' material and arising out of the operation of a nuclear facility by any'person or organization, . . . . . : ' • ;:J.-H ^ - . - , - C. Under any Liability Coverage, to bodily Injury or property damags 'resulting' from the hazardous properties of nuclear material,'if . . :•['.,•.:' (1) the nuclear material (a) Is at any nuclear facility owned by, or'operated by or on behalf of, an Insured or (b) has been discharged or dispersed therefrom; . ' •'''';•« (2) the nuclear material is contained In spent fuel or waste at'''any time possessed, handled, used, processed, stored, transported or disposed of by or on behalf of an insured; or ,. . ,:,.-;V.',..: (3) the bodily injury or property damage arises out of jhe furnishing by an Insured of services, materials, parts or equipment In connection with the planning, construction, maintenance, operation or use of any nuclear facility, but If such facility Is located within the United States of America, Its territories or possessions or Canada, this exclusion (3) applies only • to property damage to such nuclear facility and any property thereat. . As used In this endorsement: ' "hazardous properties" Include radioactive, toxic or explosive properties; "nuclear material" means source material, special nuclear material or byproduct material; "source material", "special nuclear material",.and "byproduct material" have the meanings given them In the Atomic Energy Act of 1954 or in any law amendatory thereof; . . • . . "spent fuel" means any fuel element or fuel component, solid or liquid, which has been used or exposed to radiation |n. a nuclear reactor; "waste" means any waste material (1) containing byproduct material and (2) re- sulting from the operation by any person or organization of any nuclear facility Included within (he definition of nuclear facility under paragraph (a) or (b) thereof; "nuclear facility" means (a) any nuclear reactor, • . (b) any equipment or device designed or used for (1) separating the isotopes of uranium or plutonium, (2) processing or utilizing spent fuel, or (3) handling, processing or packaging waste,' (c) any equipment or device used for the processing, fabricating or alloying of special nuclear material If at any time the total amount of such material in the custody of the Insured at 'the premises where such equipment or device is located consists of or contains more than 25 grams of plutonium or uranium 233 or any combination thereof, or more than 250 grams of uranium 235,. { (d) any structure, basin, excavation, premises or place prepared or used for the storage or disposal of waste,. : and Includes the site on which any of the foregoing Is located, all operations conducted on such site and all premises used for such operations; "nuclear reactor" means any apparatus designed or used to sustain nuclear fission in a self-supporting chain reaction or to contain a critical mass of fissionable material; '• "property damage" Includes a|l forms of radioactive contamination of property. Fnrm H050I F<1. 10-1-66 Rev. 4-1-78 (4) COVERAGE is provided In the AHA member company designated beiow: KKFIREMAN'S FUND INSURANCE CO. D HARTFORD FIRE INSURANCE CO. D THE HOME INSURANCE CO. D ST. PAUL FIRE & MARINE INSURANCE-CO. A STOCK COMPANY RAMSAY MOTORS, ET AL 405 Anna's Retreat St. Thomas, V.I. 00802 January 1, 1984. TO: . January 1. 1985 ANTILLES INSURANCE, INC. P.O. Box 2698 St. Thomas. V.I. 00801 NAME OF INSURED EXPIRES AGENT ADDRESS GENERAL—AUTOMOBILE LIABILITY POLICY QENERAL—AUTOMOBILE LIABILITY POLICY AFIA R. 090174 -=- WORLDWIDE INSURANCE AFIA, founded in 1918, is the leading association of American capital stock insurance companies providing Fire, Marine and Casualty insurance protection and surety bonding outside the states of the United States of America and the provinces of Canada. It operates in almost 80 countries with over 200 branches in key cities around the globe. AFIA's Branch office in the Virgin Islands: P.O. BOX 9278 : • • .'• : ••'••.- V . CHARLOTTE AMALIE • . • . . ' . • • ' . / , ' . • • ' ' ; • • ] . • : ' ' • ' ' • - : . - ' ' • • - " ' • • ' • ' , • ST. THOMAS. U.S. VIRGIN ISLANDS 00801 :.:\.^: r.-." ;,•' :••;.. ; : ... ••• ' •• • .. : . . ; • . • • ..pr-.,;.,:•;•;•.,;;. _'•..-';' AFIA WORLDWIDE HEADQUARTERS: 110 WILLIAM STREET; N.'Y.'; N.Y.. USA 10038' { i)7470 v.. 11/23/83 BAL 1001 D X D D £ < Item DECLARATIONS J\'anted ADDRESS: (Number & Street. Town, County & State) ": RAMSAY MOTORS, ET AL .405 Anna's Retreat ' St. Thomas, V.I. 00802 January lj 1984 TQ: January 1. 1985 2. n .. „ . , |> 01 » M JtHKOAIO tIMf At IMC tOOKSS r,-_ Policy Period: pi IHt H»M(.D imumi> » >uuo MUHH. from-. REPRESENTATIVE: Agent or BroVer ' ANTILLES INSURANCE, INC. OKice Address ' ' P.O. BOX 2698 Town and Slate • St. Thomas. V . I . 00801 00 o7 COVERAGE is provided In the •'• AFIA member company designated below: FIREMAN'S FUND INSURANCE COMPANY THIS CERTIFICATE SHALL HAVE THE SAME STATUS AS THOUGH A NEW POLICY HAD BEEN WRITTEN, WITH SIMILAR PROVISIONS, STIPULATIONS AND AGREEMENTS . In consideration ol the payment ol the premium, it is agreed that the above policy is renewed for the policy period slated above, subject to all its terms except as otherwise stated herein. " . ' ' ' : • II. prior to the effective date stated in this certificate, the company has adopted revised provisions for the form o| the policy renewed by this certificate. In order . to afford, without additional premium, a broader insurance to all risks such as that insured by the policy, the I certificate shall be construed in accordance with the provisions of such revision. i insurance afforded lor (he policy period stated in this 3. COVERAGES LIMITS OF LIABILITY USE ONLY IF I CARS Total Premiums Bodily Injury Liability Property Damage Liability 300 .000 each person 500 .000 each occurrence CAR NO. i 231 50 .000 each occurrence 145 Medical Payments each person IINSIII AMOUNT oi •«C1U«t C«5M V»lUt 'I CAR NO. 2 ' 231 145 (1) Comprehensive (excluding Collision) (2) Personal Effects $100. ot UlU UlZ Ul_i caO O Collision • I Actual Cash Value Less $ deductible Fire. Lightning and Transportation Theft Combined Additional Coverage Towing and Labor Costs per disablement Uninsured Motorists I 10 .000 each person t 20 ,000 each accident 20 Endorsements (IDENTIFY BY FORM NUMBERS) A-l(79); Endt."A" RATING DATA -—————— — —— -| Rale Class 1CL3 Rale Symbol 1NCD30% Total Premium 4. Description ol the aulomobiletsl CAR YIAH TRADE NAME AND BODY TYPE IDENTIFICATION MOTOR OR SERIAL NUMBER H.P. AIR COND? tWO WAY fHONt OK RAOIOt FACTORY LIST PRICE AND ACE CROUP ACTUAL COST WHIN ruiCHtSCO INCIUDINC COUIPMtNT NEW/USED 19 19 5. Unless otherwise staled herein: (a) The owned automobile will be principally garaged in the town or city designated in Item 1 above; (b) During the past three years no insurer has canceled insurance, issued to ' ';!• V ' , the named insured, similar to that afforded hereunder:" St. -Thomas ,'v V. I. 6. Loss Payee: Any loss under Part III is payable as interest may appear to the named insured and None YES D NOD 'n Witness Whereof, the company has caused this certificate to be countersigned by a duly authorized representative of the company. 11/23/83 erj : . : • ANTILLES INSURANCE, INC. Countersigned by fnrm No M008(R) Printed 2-81- '• Authorized Representative «Thfs Endoisement, Effective' .:*:';:•!'.• illf^i^®^^ Foims a Pail of Policy No...- T«'-«.:' ••'•;, ^•^••••:-^:.<^:-:^k:fj ''BAmOOr •• :-'.:v/'>...^-X!::---- Of the'4;-','.;^. :;.;... >.:•;-;'-.'••;.••'•:>••;.' \> , , - • •, .•••.• . :. . vr;'i;^'!^^^^V,^',^.^.j^; ;/.«!. ^ij;'-- ; , , ; ; / . ^"•^Fi reman '-sTFUhd Insurance Company •••••'•••:•'-' £sJ&#t-'t::^4^% ,,•'.•],-."•• ' ^f|^;:;'^.^ ' : " ' v . . ~ % • ' ' 'll/^./^'W0:' ...y. .: .':'r':'•' • ' •'"!' • •'• •'.' • •,'•'•• i: ••!;:•... ''. ." :.•• :.,-*••• . ... .• • • . - . . .• '...- :K-.f •;•-, ,.>:;••• -,•;••,.' ••• • :".'." 1. • ••• . • •• ' ' •"' ••'; ...'•^:--'..: • ' ' . . • v;''^. Ji'* 'ww?W-NV- '- '•'••• '•-..' ' ••-•' •'• • - •••••. • ; ' • • I' • > r' ••. i.':." ;.*vi'o'. : ; V-.ir >;. .!•••:•• • • .''• •• • • '•• • .. • ^V.-;^!^^:--^^f;j:.:;;;;;,;\!:;q--. ;, :.^:- r ,, ..= .Vj,.r-'- ^ Hj: >:^-;•:;,: i.;^^^:;^:^ ^••^4'ANTILLES>INS^ ^:^^ ,.;., : ;^:-' ^:y^^^/,--;«---^^:^^^--^'-^<-^^^^^ ' '- i' /' ', -v .'• ^i.-is ,• • V i'JV l' t' •' '* •————-———————————————————————————————————— •'•'•'.••• ;r'•••'•'•'••••i.(tu^ii.;-?i1'1'' '*•'; •'••'/•Wirft1''1 Authorized Repiesenlative .7- -- \:-. . ••• f ; ' • ' . ; • '.v '••lY.-'W'ly HI f, . • ' • • •. iJJ^'B'i'T.'ii-.- -•>>-«.-.:•'' ..•: •.-'r;. ;" • FORM NO. I 5 3 4 - 2 3 M (REV. »/7S) COUN1ERSIGNA1URE UAIt 1/13/84 GAL 5001805 GENERAL—AUTOMOBILE LIABILITY POLICY Two. "/his Declarations page and Coverage Part(s) with "Policy Provisions-Part One" completes the below numbered POLICY NUMBER? GAL 5QD1 876 DECLARATIONS • ADDRESS: rt •• RAMSAY MOTORS; HOLIDAY RENT-A-CAR AND Jntured " R & R PROPERTIES, INC.' A/T/I/M/A • 405 Anna's Retreat • St. Thomas, V.I. 00802 (Number & Street, Town & Zip No.) • _______'• ____________________ Policy Period; ^ From; -'January 1. 1984 Tor 'January 1.1985 REPRESENTATIVE: Agent or Broker • Antilles Insurance, Inc. Office Address • P.O. BOX 2698 Town • St. Thomas; V.I. OQ8Q1 COVERAGE is provided in the ., APIA member company designated below: FIREMAN'S FUND INSURANCE COMPANY 3. The insurance afforded is only with respect to such of the following Parts designated by an "X" In fx] and Coverages therein as are Indicated by specific premium charge or charges. The limit of the company's liability against each such Coverage shall be as stated herein, subject to all the terms of this policy having reference thereto,____' Comprehensive General Liability Insurance ............ Owners', Landlords' and Tenants' Liability Insurance .... Manufacturers' and Contractors' Liability Insurance .... Contractual Liability Insurance ....................... Completed Operations and Products Liability Insurance .. Bodily Injury Liability _____ Property Damage Liability ! LIMITS OF LIABILITY EACH OCCURRENCE AGGREGATE ADVANCE PREMIUM EACH PERSON ' EACH ACCIDENT Premises Medical Payments Insurance AGGREGATE Personal Injury Liability Insurance * 312 Comprehensive Personal Insurance ................... P] Farmer's Comprehensive Personal Insurance ........... r~] . . Personal Liability Personal Medical Payments Physical Damage to Properly ii»nuiit u luwir-i ci.pi.ki.nn nriMii IUHMU ••!« Animal Collision EACH PERSON' XXXXXX ' xxxxxx Market value EACH OCCURRENCE xxxxxx .' xxxxxx xxxxxx not exceeding $400 each animal EACH ACCIDENT Basic Automobile Liability Insurance ................. [] Comprehensive Automobile Liability Insurance .......... Q Bodily Injury Liability _________________Property Damage Liability EACH PERSON XXXXXX EACH OCCURRENCE EACH PERSON EACH ACCIDENT Automobile Medical Payments Insurance Uninsured Motorists Insurance ....... [Vj 1,000 $10.000 XXXXXX $_20.000 Garage Insurance See Coverage Part for Limits of Liability *3,547 Automobile Physical Damage Insurance (Non-FleeW, ,.-1 „„, j^] Automobile Physical Damage Insurance (RXeX)OXWO(9W' D See Coverage Part for Limits of Liability Schedule Automobile Liability Insurance D See Coverage Part for Limits of Liability Endorsements and Additional Coverage Parts # (IDENTIFY BY FORM NUMBERS) See Endt. "A" 132 tlf Policy Period more than one year and the premium is to be paid ^installments,premiumispayable: Oneffectivedateofpolicy $ Total Advance Premium $ 43851 1st Anniversary $ 2nd Anniversary $ Audit Period: Annual, unless otherwise stated." 4. The named insured Is: Individual __________joint venture partnership other corporation! X 5. During the past three years no insurer has cancelled insurance, Issued to the named Insured, similar to that afforded hereunder, 5 • unless otherwise stated herein:** /) /I ' •ABSENCE OF AN ENTRY MEANS "NO EXCEPTION". 1/13/84 reh not ippllcible In Temi Authorized Representative the •.Policy. indorsement. Ellective - 'January i; 1984 ... .GAL ^5001 876 . ^^^s^!;'^^;v-.^:iv:v: ./^tf^^r gF^eniarjjs :FUnd.;-insUrance Comparty^l;^^ >;. . Ramsay'Motors ;- $-^^^ Rent-A-Car.and-R'i:'R/-prdbertT&s''vlnc;^A/T/I/M/A^-t^ ••-'•" In consideration it is understood and ,':i •••, •-! '!••.; GARAGE INSURANCE-': USE OF OTHER:AUTOMOBlES Endt;v"B'? ./I ^y^JHEFTaWADAl^ A..118|-.-."":;--.v ••:.'. .-.£W&- AUTOMOBILE'•PHYSiCAL'ibAMAGE^f NSURA'NCt(DEALEIiS)*M!^^'••'- Endt^"C"' ^^jViV^'^FLOOp EXCLUs'lQN^^^li^K^^^rfe L4062s'; ''•: '• • ;:!:1';.; , Ifei^rlJNINSUREd'MOTORISTShiNSORANcdcOVERAGE1 PARTvS^K^^^ , -fr: i'rV'- •• 'M.-WZiv'''' % • ' -,- i -'-:• ':' ».>%."- - .-*'•( '-?:<!..•>. •.•'•iV.?wJi^:;>._1.' ; ,-•>;!'.''••;" V;.;'•>''jj • '-^:'':, , GARAGE INSURANCE COVEK/S(ot ^/MM DLL nerai—Aulomobile Liability Policy No.;GAL 5001876 Item 1. The insurance afforded is only with respect to such of the following coverages and hazards thereunder as are indieated by specific premium charge or charges. The limit of the company's liability against each such coverage shall be as stated herein, subject to all the terms of this policy having reference thereto. • , .• • . • ' ___'. COVERAGES Garage Liability G. Bodily Injury Liability H. Property Carnage Liability II f Expense: for Medical Services I. Automobile Medical Payments' I. and J. Automobile and • Premises Medical Payments Garagtkeepers' Legal Liability K-l. Fire and Explosion' K-2. Theft of the entire automobile K-3. Riot and Vandalism '••"' '•' K-4. Collision or Upset' HAZARDS Automobile Hazard 1 Automobile Hazard 2 Automobile Elevators—"Pigeon Hole" Type Automobile Hazard 1 Automobile Hazard 2 Automobile Elevators—"Pigeon Hole" ;Type' Prem. Rate-. Percentage • O K ' . " " ' ' _ _ _ « • & _ , . ., % of Cov.'' G'lprem. ' LIMITS OF LIABILITY $ 300 ,000 each person $ 500 ,000 each occurrence J 50 ,000 each occurrence .subject to $100 deductible as set '.forth-in. Limits of Liability provision MJ.\ "I ?."'" ' "" " ';:''' ', . .-. i r,1t • • • • . • • • •'•' :i' ; ' $ 1,000 each person?^ ,<!iT:; . • . Specif ic.JImlt per location ;as" stated In Item 3 subject toi ^n^ 1:..U.>. ,.,: deductlble.:V-li ' lr '' ' ' ipiK\!ii!v-:>.-:i>i'iM'v-» '"•'Total Advance Premium $ 3,40? ' ADVANCE PREMIUMS 2.105 947 "179 -91 _BQ_ (a) All automobiles owned by the named Insured are used principally,In garage"operalloni of .the, named Insured, except automobiles (1) assigned to the named Insured, a partner therein.or a member thereof, or an executive of fleer'thereof; or, If a'resident of the same household, the spouse ol any of them or (2) furnished to any person'or organization named In paragraph-(b) below..r l? ^!H'<' •' '''' Ib) Automobiles owned by the named Insured are furnished to the following persons'or. organizations for their regular use for other business purposes or for non-business purposes (do not list the named Insured, any partner, member!1 executive officer, or, If a resident ol the same household, the spouse of any of them unless more than one automobile is furnished concurrently to-.such, person, and then show only-the number of automobiles so fur- nished inexcess of one): ••' •• ' •'.••••• ' •'• ••;'ir-'l i'' l|!« >uv vH*i.'i'"" • r"1!''!!!''''1'' • • • •________ Name Name Number of, Such Ham* ''• Nam«i|(i;| II r | i \(. • Number Such Auttmokllit t Nui I Hiileir 3., The following are the addresses of all premises where the named Insured conducts' garage operations. (H more than one, see Schedule attached.) Loc. No. 1. ,•••• GARAGE LIABILITY''."It!".'..•••'...>'••.' ••"'•••'• ' • ' • ' • • ' '••'•••' :''': • Address (show main sales loca- • • • ^tion, If any, as Location Ho.,1).',^./'.,', 1 '' Automobile Elevators—"Pigeonhole" Type ( Premium Basis Class Remuneration A- 10,400-,' C '52,000;MI, Total t;: " l-!'r'""" Furnished Automobile No. Insured V • • • • • ! . • • '.' ' ' ' • Mil.'. GARAGEKEEPERS' LEGAL LIABILITY Max. No. ol Customers' Automobllti stored i • Limit of Liability Coverage 6 | Coverage H PenJIOO of Remuneration ..i3'.46M» i.l394;i; ,4.848,:, I1.'5551 Each-'i .••!! I Advance Premium Coverage G >i't. 'i . •' ..* 2,105;;; ( ; . • - . v Coverage H Minimum Premium Coverage *'632 Coverage H ' Coverage I J -. -., r- -..-,. Coverage I t ) '•r 1|l(The tbusiness of the named Insured at Location No. 1 is: "rnlFranchlied....; I—iNon Franchlied .1, ,i.-., i—i Reptlr i i- ! LjOeale^ j j.-; .'J_Ipcilir^^, , . , • • ' ' . . ' , ' • ' •'_I Shop .'•• »•:•' ir.itmcviji; • "' " r'' •'• ''•'• ruiii. n'. •;• . •• "i ' ' ; ••': Q Service ..., rn Storafe Carafe or,.| ,. i—i Equipment and Station '•' 'LJ Public Parklnf plici..',!". I_I Implement Dealer ( 1U5E TOTAL REMUNERATION AS PREMIUM BASIS FOR IIAJARO 2. g the policy period by each,Class A employee'arid each Class C, employee of the named insured, subject on of each Class B personal a .fixed amount of $2,000 per annum, with respect .to Dealer Risks (Hazard 1) 2)- ( ,'ijiiaiMiJiiiic.,';•.:•:;• .j ;• i;'i.':l !:':-;: ••> i'i' !'',.cl, '<•" '•'• ' '' '' ' " ' n used as a premium basis:1.'.'./'1 '. :'''.,""'"! • ''• x_ .nuneratlon" means (a) the entire remuneration earned during > to an average weekly maximum of $100, and (b) the remuneration or $5,200 per annum with respect to Non-Dealer Risks (Hazard "Class A" means all clerical office employees. • ' , "Class B" means all proprietors and officers 1 active in the business, arid.inactive proprietors' or'officers'(other than an inactive proprietor or officer who is a spouse of an active proprietor or officer) who customarily drive an automobile owned by the named Insured; and: all salesmen, general managers, service managers and chauffeurs,' '.' '<>'.'• ' • ' ! ' • • ''" • ' ' • ' ' ' i;,.. , . . . . . , . . ^ . . • ., !.| ,•(!••-,. ;-i| v . ::> i': t i i - . i : 1 I'1. .!';'"| "'.M1' I'.'ji'i. '.u i * "Class C" means all olher employees. , . . ' , - . , ' , . • • • ','. ' |itV:'fr'ni;'!-' . • ' | .1 0 : I •-'•" r" 1^-1.KS fRev. 1-1-73) '-i,'' •.'.:•• I,' J!1P":»""!'''|--:1- ••*>'* I. .GARAGE LIABILITY : : • > - • . • •; ;• •••••• •••> .- ., •••..'..--;"• ' ' 'COVERAGE C—BODILY INJURY LIABILITY1" '; ' ' : . ' V • > - ' COVERAGE H—PROPERTY DAMAGE LIABILITY The company will pay on behalf of the Insured all sums which the Insured shall be legally obligated to pay as : damages because of _•_';. . - ; - . .' ;...V ',"-,:'. ' Coverage, G! bodily Injury of ;r .":.. • , ,., ,V ,'•.;' • . Coverage H. property damage to which this Insurance applies, caused by an occurrence and arising out of garage operations, including only the automobile hazard for which Insurance is afforded as indicated in the schedule, and the-company shall have the right and duty to defend any suit against the insured seeking damages on'account of such bodily Injury or property damage, even if any of the allegations of the suit are groundless, false or fraudulent,-and may make!such investigation and settlement if any claim or suit as it deems expedient, but the company shall not be obligated to pay any claim or judgment or to defend any .suit after the applicable limit of the company's liability has oeen exhausted by payment of judgments or settlements. v> w*:;.-:,"' (elusions . . . . . , . . . . • . [ . . . . . . . . ...... -I,,. ,„..-...., This insurance does not apply, under the Garage Liability Coverages': ". '" (a) to liability assumed by the Insured under any contract or agreement except an Incidental contract; but this exclusion does not apply to a warranty of.fitness or quality of the named Insured's products or a warranty that work performed by or on behalf of the named Insured will be done in a workmanlike manner;,,, (b) to bodily Injury or property damage arising out of the.ownership, maintenance, . operation, use, loading or unloading of any escalator,-or Automobile Elevator— "Pigeon Hole" Type at premises owned, rented • or controlled by rthe: named Insured; but this exclusion does not apply lo an escalator or Automobile Elevator —"Pigeon Hole" Type at premises which the named Insured owns, rents or con- trols only in part unless the named Insured operates, maintains or controls the escalator or Automobile Elevator—"Pigeon Hole" Typej"(': .'• "'.'".''*; ..,,•!'!:'• (c) to any obligation for which the Insured of any'carrier as his Insure,. ..lay 1 be held liable under any workmen's compensation, unemployment compensation or . disability benefits law, or under any similar law;, ,-, :|i - i.-- /-,•,.,'./,,-,' Id) to bodily Injury to any employee of the Insured arising out of and In the course of his employment by the Insured or to any obligation of the Insured to Indemnify another because of damages arising out of such Injury; but this exclusion does not apply to: (1) any such Injury arising out of and in the course of domestic employment by the insured unless benefits therefor are in whole or in part either pay- '"able or required to be provided under any workmen's compensation law, or I liability assumed by the Insured under an Incidental contract; • bodily Injury or property damage arising put of the ownership, maintenance, operation, use, loading or unloading of any (1) haulaway, tank truck or tank trailer (or any vehicle used therewith) owned, . .hired or held for sale by the named Insured and not being delivered, demon- •' strated or tested, ' • ''• • > : . > . - ( 2 ) automobile . • • ; • ; • • ( • (i) while being used in any prearranged or organized racing, speed or demolition contest or in any stunting activity or In practice or prepara- "•'•''• tion for any such contest or'activity, or ' • • • > • -i '• ^ :"!"(ii) while rented to others-by the named Insured unless to a salesman for • •• n use principally in the business of the'named Insured/or ' '•' <-'^:- <•• (Hi) while being used by the-Insured as a public or livery conveyance of for : •.•'• carrying property for a charge;;-'!- •' ••••• !'• '•'•.' i '•' ''.-'r 1') ','il''-'- (3) watercraft owned or operated.by or rented or loaned to anv Insured, or any •!': other walercraft operated by: any person in-the course of Ms employment i by.any Insured; but this exclusion ie).(3).does not apply to watercraft while -• ashore on premises owned by, rented to. or. controlled by the named Insured; .(4) aircralt; • -. ,-' !,:••.:':-i • '•..•••L'r-; ,n -.•' • •• :•• '•^'•{•;n.'.Ml (!) to bodily injury or property damage arising out of and occurring in the course of structural alterations, new construction or demolition operations performed for the named Insured by Independent contractors, or acts or omissions.of the named insured in connection with his general supervision of any such operations; but .this exclusion does not. apply to operations of which the/company has written notice within 30 days.after the commencement thereof; .., • :, ;M >i (g) to property damage to . . . . ;>. : : ;• • i°' ' i'';-i !!'•• i" (1) property ^wned by, rented to or held for sale by the Insured, 'or'.'."''" (2) property'in the cafe, custody'or control of of being transported* by1 the insured or property as to which the insured is for any purpose exercising physical control; ' ;'''.',',.,' ' ", '.''. .', ''!,.',',, ,.''. but part (2) of this exclusion does not apply to property damage arising out of the ownership, maintenance or use at the premises of any automobile servicing hoist designed to raise the entire'automobile, or to such insurance'as: ^af- forded for the use of elevators at the premises; '['; ' • • '. '• .'"','',' .;."; (h) to property damage to premises'alienated,by the named insured arising.out,of such premises or any part thereof; ,,;:.'.'., ,'j '.:,,'•" •,, ... '.:!,,',„..,'.', .to loss of use of tangible, property which has hot been physically Injured or "' destroyed resulting from ' It'.(l) a delay in ot.iacn ui ytnu,,„„.,..,. _ , . . . . •., I,,'.-,,,any contract or agreement, or , ;., t; i;: i-,. • • - ) - . > ;'u (2) the failure of the named insured's products or work performed by'or on H.: behall of the named Insured-to'meet-'the level-of performance, quality, ,., fitness or durability .warranted or represented by the named insured; but'this exclusion does'-not apply to loss of use of other tangible'properly resulting from the sudden and accidental physical Injury to or destruction of i/)the named Insured's products or work performed by or on behalf of the named " Insured;after such products'or work.have been put to use by any person or organization other than an Insured; .-.i;!,, | p . : i ' , i . • • - . . (p to property.damige Jo any .of the named Insured's products If such property damage resultsJrom;a condition existing In,such product or any part thereof atjlhe,.time possession is relinquished to the purchaser thereof; (k) ,to| p'riperty damage to work, performed by or on behalf of the named Insured arising out of.the work or,any portion thereof, or out of materials, parts or equipment furnished'In, connection (herewith; ,. > (I), to damages claimed (of the withdrawal, Inspection, repair, replacement, dr loss ,,; of use.of the named Insured's products or.work completed by or for the named ' Insured or of any property of which sbch products or work form a part, if such products,. Work or property are withdrawn from the market or from use because (|, of:iany known or suspected defect or,deficiency.therein; . .:.. .' . (m) lo bodily Injury or property,damage'due to war, whether or not declared, civil • 'War] Insurrection, rebellion or revolution or to any act or condition incident to any of the foregoing, with respect to (1) liability assumed by the Insured under an Incidental contract, or (2i expenses for first aid under'the Supplementary Payments provision; (n) to bodily injury or property damage ,for .which the Insured or his Indemnitee , may;,be) held liable^ „ . . , . ' , . . .•(1) a$.a person or organization .engaged In. the business of manufacturing, dis- • •IrjbutiHg, selling; or serving alcoholic ^beverages, or ' , . - . . ., , > (2) ll-fiol so engaged, as an owner of. lessor of premises used for such purposes, •> if such ^lability is Imposed i;,- i» 'n \"> i.- ii -i • • • : - . -'. '• • (i) b/,''of: because.'of-IhS'violation'of,'^ any Statute, ordinance or 1 regulation •(-;. pertaining'to the sale, gift/distribution or use of any alcoholic leverage, or !'!( (ill; by reasdn'of ,lhe'selling, Serving :or giving of any alcoholic beverage to a . minor,or,to a.-person under the influence of alcohol or which causes or /i;} : contributes to the intoxication of any,person; " but• part .(ii) of this exclusion does not'apply with respect to liability of the insured or; his indemnitee as an owner or lessor described in (2) above; (o) to bodily Injury1 or property damage arising out of the discharge, dispersal, ' release of escape of smoke, vapors, soot,.fumes, acids, alkalis, toxic chemicals, liquids.or.gases, waste materials or other. Irritants, contaminants or pollutants • Into or upon land,-the atmosphere or any watercourse or body of water; but ,. this exclusion does not'apply if such,discharge, dispersal, release or escape is ; sudder^and accidental. j;i;, . .(. •- .(:.-.r ii. EXPENSES rbii MEDICAL'SERVICES ;!'-!;n' •"' '• .1 '.I (." I', , r . . 1 • i'.. i . • V' , •. II1'.: >'.''• • • • - . • I,, COVERAGE I—AUTOMOBILE MEDICAL PAYMENTS '' COVERAGE J-PREMlSES MEOICAL"PAYMENTS ' ' ' The oompany will pay all reasonable medical expense incurred within one year frorr^.trjeidateiOf^accident: ,. , . Coverage I. Id or for each person who sustains bodily injury, caused by accident, • iiribult'tsiwhile occupying any automobile which is being used by any person 1C, fo|u«;'i«t-who ;ls an-Insured i under the bodily Injury liability cdverage with re- (?) JQ PJ?3 VSP?CM0 SUCh.USB; ';,>...,,ii" ,! . Coverage:JMo'or (or'each person who'sdstalns bodily Injury, caused by accident, '.N l'J,l^' "'and arising out of the ownership/maintenance or use of the premises j«)!|A|i>.'.«• -lor the purposes of z garage,- and all operations necessary or incidental lJ'.f.;ii'.siil thereto. ;.-•. > . .. • • i : • \ <?• ;••>•.'. ;•• < '^'f^S^r'-'T M,''V,''•'::7!^'"'' :'"' • ' ,,.,This.Insurance does not apply: . .;,,-< (.• , . - ., , . • (a) under., the .Automobile Medical Payments Coverage, to bodily injury sustained M! .^ianjf ^mployee of an insured under the bodily injury liability Insurance arising ^u^bf.^^ In the(cburse of his employment^by such insured; (b) .under.the, Premises Medical Payments Coverage, to bodily Injury sustained by |(l):any person while occupying or through being struck by ah automobile away in in (-from'the'premises; • • • ' -i •• : -t'-"i •«•;•.'!•.: •• ••• • • .-•. ;•••• • ,(2) jany person practicing, Instructing pr participating in any physical training, sport, athletic,activity or contest; > M (3) the-named Insured, or any partner therein or member thereof, or any em- ; ployee of trie named Insured arising out of and in the course of his employ- ment by the named Insured;.- t-. .i:q •« ;-r .••'•• • • n (4) any i pers9n i while-engaged In-maintenance, alteration, demolition or nev< construction-;operations for the named Insured or for any' lessor of the (j; iP.r.enlls«; r. i'.n|"'i )" I I rur 2.174 . (1) the^ownership, maintenance, operation, use, loading or unloading oi any escalator « Automobile Elevator—"Pigeon Hole" Type at premises owned, ',' rented or controlled by the named insured; but this exclusion (c) (1) does not ' apply to an escalator or Automobile Elevator—"Pigeon Hole" Type at premises ' which the named insured owns, rents or controls only in part unless the • named insured operates, maintains or controls the escalator or Automobile Elevator—"Pigeon Hole Type; . . , ' . . . ' ! • . - . ' . tructuraj alterations', new construction or demolition operations for the ,iarned insured by independent contractors or their subcontractors,, or omissions or supervisory acts of the insured in connection therewith; .' ' (d) under the Premises Medical Payments Coverage, to bodily Injury resulting from the selling, serving or giving of any alcoholic beverage 1 (i) in violation of any statute, ordinance or regulation, (ii) to a minor, (Hi) to a person under the in- fluence of alcohol or (iv) which causes or contributes to the intoxication of any person, if the named insured Is,a person or organization engaged in the business ol manufacturing, distributing, selling or serving alcoholic beverages or, if not so engaged, is an owner or lessor of premises used for such purposes but only part (i) of this exclusion applies when the named insured Is such an owner or lessor; • • - r • • : . : • ; • ' , ; ••• • (e) under the Premises Medical Payments Coverage, to any medical expense for services by the named insured, any employee thereof, or any person or organ!-' zation under contract to the named insured to provide such services;.-. ,.| • • '<• (f) under the Automobile and Premises Medical Payments Coverage, 1 to 'bodily injury sustained by an employee of any garage, if the accident arises out of the operation thereof and If benefits therefor are in whole or In part either payable or required to be provided under any workmen's compensation lawj'-'\ (g) under liie Automobile and Premises Medical 1 Payments" Coverage, to bodily injury due to war, whether or not declared,' civil war, Insurrection, rebellion or revolution, or to any act or condition Incident to any of the foregoing. , , . - ••'..>! •'-, • :•• • •' , '' ' ••'. v, "<:'' i -i. III. GARAGEKEEPERS' LEGAL LIABILITY COVERAGE K-1—FIRE AND EXPLOSION, : t COVERAGE K-2—THEFT of the entire'automobile I, MALICIOUS MISCHIEF' . ,;:;.;i; COVERAGE K-3—RIOT, CIVIL C AND VANDALISM '•' •', spouse of any one of them if a resident ol the same household, (ii) an employee-of i the named Insured or his spouse If » resident of the V same household,'unless •• the automobile or other property Is in the !i. •; custody of the named insured under an agreement lor which a specific •-, pecuniary charge has been made, or (2) in the custody of the named Insured for demonstration or sale; : '• " ' (c) to loss by theft due to any fraudulent, dishonest or criminal act by the named Insured, a partner therein, a member thereof or employee, trustee or authorized ,; representative thereof, whether working or otherwise,and whether acting alone ''or In collusion with others; .. •,.;-....,. .. ' ,, , (d) to iosi arising out of the use of any elevator,,or any automobile servicing hoist .. designed to raise an entire automobile;,, , ,.; , • .-, ,, • • (e) to defective parts, accessories or materials furnished or to faulty work performed on an automobile, out of which loss arises; (f) to an automobile or other property while the automobile is being used in any piearrangcd or organized racing, speed or demolition contest or in any stunting activity or in practice or preparation for any such contest or activity; "- (g) to loss due to war; whether or not declared, civil war,' Insurrection, rebellion or '.' revolution, or to any act or condition Incident to any of the foregoing; (h) to loss due to radioactive contamination; (i) with.respect to Coverages K-1 and; K-3, to damages for loss of use of an automobile. ••. . -.• .1 ' : ' • <;i->r. ..-•,. • :. ,' ' COVERAGE K-4—COLLISION OR UPSET /'., , ' ' .- ' '' i.V.', • The company will pay on behalf.of the Insured! all sums which the Insured snail become legally obligated to pay as'damages because of: ' " r ige K-1. loss to an automobile caused by fire or explosion other than explo- sion of tires; '. '"' ' •'• : ' •• ' ' ',;'';•,' Coverage K-2. loss to an automobile caused by theft of the entire automobile; Coverage K-3. loss to an automobile caused by.riot, civil• commotion, malicious mischief or vandalism; provided, with respect to each- automobile '• $25 shall be deducted from each loss caused by malicious mischief ' •'" or vandalism; '3 •'•'•" :' '••'"' 'I' " ' ; '•• ' •• <'•'>'••'.'• '•' . 1-1 ,;.•!.- •. .- .11 p.'. • . • ; • • > ! i, - :,-• |i • i r.- i. Coverage K-4. loss to an automobile or other property of a kind customarily left : in charge of a garage caused.by collision of the automobile or such •'•• ;i • property with another-object or by upset thereof, but the deductible i-.!.' amount stated In ; the schedule as • applicable hereto shall- be ; . . . . . . deducted from the total amount of all sums which the Insured shall • :'•- become legally obligated to. pay as damages because of each loss, .. ', ". and the limit of .the .company's liability shall be the difference . ,,.' ;.-;..'' between such deductible amount and the limit of liability stated In ' „. "..' the schedule; ,,'....'.: ,,/. „,,,-. .,..-,.'. . '-,.- -.- • occurring while such automobile or other property is In the custody of the Insured for safekeeping, storage, service or repair . ; . .- • (1).at, a .location stated in the schedule or while'temporarily removed therefrom in the ordinary course of the Insured's business; or ••• i : ' ;•• /:' :•• ••?.— .- (2) away from the premises if the Insured Is attending such automobile'or property- and the company shall have the right and duty to defend 'any suit against the insured seeking damages on account of,such loss, even if any of the allegations of the suit are groundless, false or fraudulent, and may make such investigation and settlement ol any claim or suit as it deems expedient, but the company(shall not be obligated to pay any claim or 1 judgment or to defend any suit after the applicable limit of the company's'liability has'been exhausted by payment of judgments or settlements.",.. .<•. \\ !•• :• ' -| vir--'- ' . The Supplementary Payments provisions of .the .policy are applicable to the insurance afforded for Garagekeepers' Legal Liability, except the provisions with respect to the cost of bail bonds and expenses for first aid. -'. ' . '• ' H. ." \\ i > ' . : .j '•. '. •• •• .' ':'.n. (ii."i: = .'j •.!!•:; ' Exclusions ' ' • ' " ' - ; i : "'"''•••'"'.•'I-i"1'- . ' • • ' : ' • " This insurance does not apply, under trie Garagekeepers' Legal Liability Coverages: p,liability of the insured under any agreement to be responsible for loss;., ••]-..• ^ to, an,'automobile or other property,.:•, -.;,.V:;V . .-..;.,...;' i^/-'^^^^ iMiisi^^ IV.^PERSONS INSURED .,,, Each of the following Is an Insured under this insurance to the extent set forth below:,. . A. Under'the 1 Gara'ge Bodily Injury and Property Damage Liability Coverages: (1) the.-named Insured;)•)• tfiir ;ii i1': ••'; !•';'*''>"'; (2) with respect, to garage .operations other than the automobile hazard: -'•'' (a) any dmpib'yee/'director or stockholder of the named Insured while acting ;.,.,within the scope,of his duties as such, .. (b) if the named Insured is designated In the declarations as an individual, the ; i'j|iperson, so designated but only with respect to the conduct of a business of . ju!. which he Is the sole proprietor, and the spouse of the named Insured with . I,-,i,respect to the conduct ol such a business,. • •• • . • > J'/'.tc) If the named'Insured Is designated In the declarations as a partnership 'y;/or. joint'venture, any. partner,or member thereof but only with respect to ; i'-ihis liability as such,->•.".•" -. •• • ; •'•{.- • •• • > ' • •• (d) any person or organization having a financial Interest in the farate opera- tions of the named Insured; ,. . •• •: •: (3) wltlv respect to the automobile hazard: (a) any person while'using, with' the permission of the named Insured, an . ;:i automobile to which-the Insurance applies under the automobile hazard. ' ' •;• provided his actual operation or (II he Is not operating) his other actual use ' li. _ ' _ _ * • ! _ . _ . ;»L' « L _ ^ ^ _ _ _ _ ! _ . . _ • • • • • • * • • • -- - ... my irrf, ,-', [hereof ]s within ihe'scope of such permission, but with respect to bodily j Injury or property^damage arising out of,the loading or unloading of an 1 automobile, jsuch: person, shall be ari Insured only If he is:,., , , , '• , ,(i) a bbrrower.,of the'automobile, or ' ' ,,',. .,, (Ii), a, partner,J, member, or. employee of the named Insured or of such 1 '','. .borrower; ..'. ;' ,'. '. ,.,.,. . ( , (b) any other person or organization but only with respect to his or its liability . ' ' because of'acts or omissions of the named Insured or an Insured under ! ^^(a)'above/!1'' ' ;'/:';' '.' ' ' . . , , . , Nope'of.the following Is an Insured: • '.;. : .' ; .,".... . ,. ..'' !' .' ''(i) any'(Jersoh. while engaged In. the business of. his employer with respect to '- '.bodily Injury to,any.fellow employee of such, person injured In the course of i . , h , . , ' . . „, vi» •» -.-.- H: •'...•. *.•• (ii) any;person,or organization, other..than the named Insured or its directors, •,( stockholders,.partners, members or employees while acting within the scope ' of,their, duties as such, with respect to operations performed by independent 'contractors lor .the1 named Insured; . . •', (iii).any 'person or, organization,, other than the named Insured, with respect to any •'" automobile ;',.,„..,!.,, , , ,...., - . . , . . , . . • ' (a)'owned 1 by -such,,person or organization or by,a member (other than the (':> :nV;,n?l'iedJnsured) of,the same.household, of. . : . . , , •;• ,(bi,possession.of which has been transferred to another by the named Insured , , .i,,!-',-, pursuant to." an';agreement of. sale;-,. i ,; ,•, ' • • • ; • (iv)>any partner;member,of employee of the named Insured or the spouse of such , -person; with * respect to property damage to properly owned by, rented to or 'j- iheld,for sale by the named Insured, or properly In the care, custody or control ,'-:' of or.,transported; by.;the, named insured. -:..;-;. :,„ .,,... , ... ''.This.insurance does.not.applyito bodily Injury; or property damage arising out of the i conduct'of any partnership or joint'.venture.of which the Insured is a partner or.member and .which is not,designated in this,policy as a named Insured. person so designated but only with respect to the conduct ol a business. • .of which he. is the sole: proprietor, and the spouse of the named Insured . with' respect to (he conduct of such a business; (d jsny employee, direc'lbY'o'r" stockholder of the named Insured while acting within the scope of his duties as such; and 'tr '^ _ , Id) If the named insured Is designated In. the' declarations,as'!8 >'pa(tnershlp or" joint venture, any partner or member thereof but only with respect to his liability as such. . • .i-.i-i ...-. : : VV MMITS OF LIABILITY ' , ', ' i ..; . •.,•,,'• -,.';,1:i!','.,',|,.r.i'\i| «v,, ri- ' . Regardless of the number of (I) Insured? under this policy,'(2) persoqs or; organi- zations who sustain bodily Injury! property damage or loss, (3) claims made or suits brought on account of bodily Injury, property damage or loss or (4)'automobiles to which this policy applies, the company's liability is limited 'as follows; • • : Coverage C—The limit of bodily Injury liability staled In the schedule as ap- plicable to "each person" is the limit, of (he company's liability"for: all damages, including damages lor care and loss of services, because of bodily jnlurv sustained by one person as the result of any one occurrence; but subject to'(he above'pro- vision respecting "each person", the total liability of the company .for .all dam- ages, including damages for care and loss of services, because of bodily Injury sustained by two or more persons as the result of any one.pccurfeRceJsrjall.npt exceed the limit of bodily injury liability stated In the schedule as applicable to "each occurrence". -I,.,...-.:...!/,. ii.!;l'• JiVUjflf A,;;:^_;':'.r,. Coverage H—Subject to the following paragraph, the total .liability of the com- pany for all damages because of all property Damage sustained by)one or more persons or-organizations as the result of any one occurrence shall not exceed (he limit of property damage'liability-stated in the'schedule 1 as [applicabjf (o "each occurrence". , ' " /' •'.' i''Vi I. • With respect;to property damage to any automobile arising oultof,,wofk;.com* pleted by or for the named Insured upon such automobile of, part (hereof,'J100 shall be deducted from the total amount of all sums which the Insured,'shall become legally obligated to pay as damages on account of property damage,-to'such auto- mobile as a result ol any one occurrence, and the limit of the "company's, liability shall be the difference between such deductible amount and, the llmij;' of Property Damage Liability staled in the schedule. All of the terms p^ this/policy, apply irrespective of the application of the deductible amount and the company may pay any part or all of the deductible amount to effect settlement'of, any claim or suit and, upon notification of the action taken,'the Insured shall promptly reimburse'the' company for such part of the .deductible amount as has been paid by the company. Repairs by the named insured shall be adjusted at actual cost to''hlm"of labor and materials. ' ; si'ii;1. I Coverages G and H—For the purpose of determining the limit'of.the company's l ; >, all bodily injury and property damage arising out of continuous or, repeated t e to substantially the same general conditions shall be considered as'arising obv_, one occurrence. I ' U " ' ' Coverages I and J — The limit of liability for medical payments stated In the schedule as applicable to "each, person", is the limit ol the 'company's' liability - for all medical expense incurred by or on behalf of each person who isustalns bodily injury as the result of any one accident. . , <: ••••<•• -\ > '•• ' i ••>'•' :'•<• • i '!"• -I ! ;'••••.; Coverages K-1, K-2, K-3 and K-4— Subject to the "application' of afjy .deductible, ' the limit of the company's liability for loss at each location shall be 'the. limit of liability stated in the schedule as applicable thereto; if, however, at the time o( loss there were at the location where the loss occurred automobiles 'of others in the custody of the insured in excess of the maximum number of automobiles indi- cated in the schedule for such location, the company, shall not be liable for a greater proportion -' the amount for which it otherw'r? would be liable than the maximum number of such automobiles stated for such location bears tq .the number . of automobiles at such location at the time the loss occurred. ' Subject to the application of the deductible stated in the schedule, the limit of liability applicable to Coverage K-4 for loss to property of a kind customarily left in charge of a garage, other than automobiles, is $5,000, which sum Is Included in the applicable limit of liability for loss at the location. All of the terms of this policy apply irrespective of the application of any de- ductible amount and the company may pay any part or all of the deductible amount to effect settlement of any claim or suit and, upon notification of the action taken, the insured shall promptly reimburse the company for such part of the deductible amount as has been paid by the company. '•'I This Insurance applies only to bodily Injury, property damage or loss which occurs within the territory described in paragraph II) or (2) of the definition of policy territory. ' VII. .ADDITIONAL DEFINITIONS , .... ii:. , •' '-'"'When used in reference to this insurance (Including endorsements'forming a part of the policy): "automobile" means a land motor vehicle or trailer, other land equipment capable ., ,,o| moving under its own power, equipment for use therewith and animal drawn '"."equipment. This definition, replaces the definition of automobile set forth In ' the Definitions Section; ' "automobile hazard" means that one of the following hazards for which insurance Is afforded as Indicated In the schedule: Automobile Hazard 1. • . ••, (1) The ownership, maintenance or use (Including loading or unloading) of ! any automobile for the purpose of garage operations, and (2) the occasional > use for other business purposes and the use for non-business purposes of ' any automobile owned by or In charge of the named Insured and used prin- cipally In garage operations, and (3) the ownership, maintenance or use of 1 any automobile owqed by the named Insured while furnished for the use of i 'any person.,, , .... ... .. ,,. ,..„.,, . I Automobile Hazard 2. - •••••• • • - : •• - • ; i The use' In connection with garage' operations of 'any automobile which is j neither owned nor hired by the named Insured, a partner therein or a I member thereof, or a member of the same household as any such person. I "garage" means an automobile sales agency, repair shop, service station, storage j garage or public parking place; j i I "garage operations" means the ownership, maintenance or use of the premises for the purposes of a garage and all operations necessary or Incidental thereto; "loss", means direct and accidental loss! of or damage to property which occurs I during the policy period; : i i • . •: , I "medical expense" means; expenses for pecessary medical, surgical, x-ray and 'dental services, Including prosthetic devices, and necessary ambulance, hospital, i professional nursing and < funeral services; lr I ' i / ' I' v I "occupying" 'means In or upon or entering into or alighting from: i "premises", means premises where the named Insured conducts garage operations, . and Includes the ways immediately adjoining but does not Include any portion of •'•'' 'such premises upon which business operations are conducted by any other person >; or organization; • ;• ' • . i .."trailer" includes semi-trailer. VIII. ADDITIONAL CONDITIONS A. Limitation of Coverage Under Any Other Liability Insurance Part , ...... ..The Insurance afforded under any other, liability insurance made a part of this b '. < policy does not apply to garage operations, Including the automobile hazard, for •••' which insurance is afforded herein. 8.' Insured's Duties in the Event of Loss ' • The'lnsured's duties In event of loss under the Garagekeepers' Legal Liability Coverages shall be as provided in the Condition with respect to an occurrence, claim or suit. In the event of theft or larceny, the Insured shall also promptly notify the police. ', ' . , .... C. Medical Reports; Proof and Payment of Claim—Coverages I and J • As soon as practicable the Injured person or someone on his behalf shall give to the company written proof of claim, under oath if required, and shall, alter each request from the company, execute authorization to enable the company to obtain medical reports and copies of records. The injured person shall submit to physical examination by physicians selected by the company when and as often as the company may reasonably require. The company may pay the injured person or any person or organization rendering the services and such payment shall reduce the amount payable hereunder for such injury. Pay- ment hereunder shall not constitute an admission of liability of any person or, ' except hereunder, of the company. and Repairs by the named insured shall be adjusted at actual cost to hjiti of labor.. d materials. ; '..''•.. ' • ' . ' • . j':.. D. Non-Applicability of Subrogation Condition :. .The Subri ,. _ ogalion Condition does .not apply to ajiy Medical Payments Coverage afforded by this insurance. i^-K-v. TUT 003 2176 A409 (Ed. 1-74} ••,':: - . CP 09 21 (Ed. 1-74) USE OF OTHER AUTOMOBILES-BROAD FORM This endorsement modifies such insurance as is afforded by the provisions of the policy relating to the following: .','. COMPREHENSIVE AUIOMOblLE LIABILITY INSURANCE i; BASIC AUTOMOBILE LIABILITY INSURANCE AUTOMOBILE MEDICAL PAYMENTS INSURANCE SCHEDULE ; ' I ' • • • , . • ' . The insurance afforded because of the naming In this endorsement of any individual .or partnership is only with respect to such and so many of the following coverages as are indicated by specific premium charge or charges for such individual or partnership. Premium Bodily Injury Liability * Incl. . Property Damage Liability * Incl. Automobile Medical Payments ' * Incl. ' t ' , - • . f '•'..'."•;'', . , ' •• ,' :'": '.'.''', j ; ., Name of Individual, or Partnership .Robert & Rita Ramsay • ! .i Nancy Ramsay • :^;i'jr ' . - ' • . • ' . ' • • ' • . * ,'••;,. A 5.P: :;•'•' •, • '• _ . '• I Total Premium , . :' i ' •> ' • * It is agreed that such insurance as Is afforded by the policy, under the bodily injury liability and property damage liability coverages and division; 1 of Automobile Medical Payments coverage with respect to any owned automobile covered under the policy also applies with respect to any other automobile, subject to the following additional provisions: ; -. •' 1. Persons Insured With respect to the bodily Injury liability and property damage liability -r Insurancf afforded by this endorsement the "Persons Insured" provf-' ' sion Is replaced by the following: Each of the following Is an Insured under this insurance to the extent ,•''.;, set forth below: . • •• "^'-t (a) each individual named in the schedule of this endorsement and. •>•.;' while resident of the same household, the spouse of such Indl-,-,,'.' vidual, and • . ':;"i1|- : (b) any other person or organization, not owning or hiring the auto-;rj|;.' mobile, but only with respect to his or its liability because of acts":fa-i' or omissions of an Insured under (a) above. . . • ' . ' . * ' ' " ' . 'Vr'/viT'!" The exclusion of the policy relating to public or livery conveyances;/ does not apply to the bodily Injury liability and property damage Ha- vtj bllity insurance afforded by this endorsement. • . • '• •.. 2. 3. Exclusions , : • ; ' : ' ; . : ; • |1^! This insurance does not apply: • ' • " . . , ' * . ; (a) to any Insured while engaged in the business of his employer with !•. respect to bodily Injury to a fellow employee of such insured In-,,', jured in the course of his employment; --\ • ;; (b) to any Insured while employed In or otherwise engaged In duties In connection with an automobile business; (c) If the Individual named In the schedule of this.endorsement Is an employee, to the employer of such Individual; (d) if the Individual named in Ihe schedule of this endorsement is a partner, to the partnership of which such Individual Is » member, , unless such partnership Is designated In the schedule of this . endorsement; (e) to any automobile owned by such named Individual, his spouse or .... any resident of the same household other than i private chauffeur '"•".' or domestic servant of such named Individual or spouse; (() to any automobile while used In the business or occupation of the .' named Individual or spouse except an automobile operated or occu- '•'• pled by such named individual or spouse or a private chauffeur or ' -a domestic servant of such named Individual or spouse; (g) under division 1 of Automobile Medical Payments Insurance to any .., ; automobile while used by the Insured as a public or livery convey- ".'ranee.. : Excess Insurance. The Insurance afforded by this endorsement for • bodily Injury liability and for property damage liability shall be excess over any other valid and collectible Insurance, whether primary, excess or contingent, available to the Insured. The Insurance afforded by this endorsement for Automobile Medical Payments shall be excess over any other valid and collectible automo- bile medical payments or medical expense Insurance whether primary, excess or contingent. • • . . \ -.).• [(AUTHENTIC!] This endorsement must be attached to (he Change Endorsement when Issued after the policy is written. A405 (Ed. 1-74) Policy. •this.Endorsement, Effective fi-i'-'f.. ;,<'. Forms a Part of Policy No:;.^)^l '-January''!', 1983 yl5f,i^V 'GAL?5001876^^^$^ !;.Jil|;- e'-Companv'- •Issued To . tV ' ; '.- - V, l:^, ..{.;..; . ...,.(.,,' • ^J^tfft ^fc^*^^'' V^f^^' f '' •/aX.ViS'^'."'. : • ^ ' • ^ '.'#& 4 ^' ^fiRffl^y ..Insurance, Inc. TUT 'COVERAGrRART :" '.-X^ £•••;••./.'•' '•.' AUTOMOBILE PHYSICAL DAMAGE IrKURAfoCE: (DEALER'S)^ i^r:;,^^^ I A 11B > '! ' .': .' ' '.". " * ' . ' '.' ••• '• ' . .^. i .'•• '. . ' . • 'r' - »^' V-.1 >'''VVv.. '*•( IWi'ft'.j 1 '^ •*' fi 'fi 't >'•''"'* '''''I ~' •' ^ * * ' ' ' i -V • (Ed. 1-74) F"' attachment to Policy No-. GAL' 5001876 '". •/••';'tn complete said i>plicV..*:..;^^^)!ftj^•'*:!<^/"•lr^>•:';^1l^:.V•^.•1'•.^i <<- '^-'^. '-$•. •''••'•• .;•.'.•'•:,": •... ''":••< '• - ^lieisura^ '•' -:.U'.«i i"<o.;-such Coverage,', applied oh ;'r':-T;:-ct«;-'; designating numerals-for-1 _»"-'?;. ^>'^ * • hprpin ^iihiprf' tn all 'ihp 11- •' \\! L* i L ~ ••'. ,V ?-';.'.: herein, • ...r .;!. . iPREMIUM'^V (Deposit Premium '.f if "Monthly ?.' i'.or Quarterly ' Reporting" Basis! •v'-:;:Vvr^!f''-LIMIT OF;LIABILITY..v^:'^.jaft.v!, . . . . .. ,:-:; , vlf.l-vi.Each Covered AutBmobllo\ .*'.'• ' ' ' '" Pel-location .J- and',;;- "Injrarislt" :K>^CpVERED,AUTOMOBILES -\;^ V»r Type's and Interests Therein.''><; _ iv'^i); USED ^; •,«•;!',-,•' (Ihcldding pVnionstratbfs •V.t;•:•'•' V-tfrlActual Cash'Valuefr *• '^ FIRE," LIGHTNING OR .TRANSPORTATION i^AclUaf;CasH.f.aiue:Jess'aeductiBre of $50. • ('K3!$iM If mdicaied'by ''^"I'app'iicab'le^^ ': as st'a'ied'ln "COVERAGE AGREEMENTS"<?* ':. Actual.Cash Value less deductible of $50 .• i.; )|.-.- ••• 'V.'vi; ••• t'ft,, f---.s-fi,»t ,fl . •.;;•• .((XX$ 1.00 If Indicated by"gj;! applicable"' '• '•> as stated ih'COVERAGE AGREEMENtS" • •'' fRW-fffiffip''!--**^. '-^;i:.-'. -'v W'5:^,7L"«:«M1:lLT*l:Vlfv:i'*; ••.<*••• -• ' T^SUPkEMEflTAL^V^,:^ --;. * RBmbe'rs ifitndarstmeBU attached at Issui $,-::'' .•rx••••^^^Vr.i.%s^^ ) i••f,rs' :?^^•••:v'^^..•: • • ^ j ' j ^ i i f $.. • • 7fo• ::^^oui|^.5vefige>4RJ;*-^s.^3^Vi^^ : ll^ - --f :•'' ^^-?;/ 4^^'^'r? Supplemental>;."| '.or'contfolled wholly or in part and used by the named Insured as places of display br'storage of covered automobiles is of the effective date of this Insurahce.: 'Tlie limit of the company's liability for each such named location shal|.be as stated herein, subject to all the terms of this Insurance having r-'-«"«- "••'««• Loc. NO: 'PREMIUM ' FIRE & SUPP. Cov- erages (If "Non- Reporting" Basis) FIRE = Fire, Lightning or Transportation Cov SUPP.=Supplemental Cov i ••' :''• 'RATES,:' -; ; '•vi!1' ' '., '"' I'V- /f'.V'.'i LIMIT OF iour . , - ales location, as Location No. 1)., .'>'t -?\(-\<<M-* 8.-.- ':'/'.;..." , ,:",;.'. ;,--, ' Fire-' JU-785"" • = 'l'.'57: '..! '"•?« rl "" $'•'••50,000 ; j. i . i, r.' • . • , - . Fire I-."..-;", : Supp. .. 14- .:•- -, . •-'•."• . .;: .-.-M; 1- "•:•.>•;' .-• ,v;..,i Vi. $ ,••,-. -... • -.,.-.».., ,^])!^^:.^-:',^^?:-'''. ' » <'-• .:)!:,'•!. -iMI-'i-i ^^^S^'.S •-; '': "' 1J.1^:: .3'" *::' . ;Fire ;.. Supp. -'^. Total Premium< •<• «*••• . >• — Fire and Supp. Covs. ' '•! •< ;^"» .Jotal Limit of Liability ,n • ij1 •V-;-., .f, ,!,.•.; ; -v, Vy ••::•- •.— All Named Locations > .>;, '-i-' •...>•: v PREMIUM ! (i -COLLISION ;,.. and THEFT Coverages Blanket Annual RATES* — COLLISION and For all Named Locations, based on (1) Monthly or Quarterlyl-TlH';' Reported Values' or (2) if "Non-Reporting".' Total Limit of'Liability'".1 •' First $50,000 in.. . •; . $50,001 to $100.000 <•• '.' Over $100,000 • COVERAGE, " • '.COLLISION $ THEFT ' Total Premium— Collision and Theft Coverages j, -, * If not|Same Rate for all Locations, Location,No. precedes applicable^ate. UNNAMED LOCATIONS.. The limit of the company's liability for unnamed locations shall bYSs' staled herein, subject to all the terms of this insurance having reference thereto, . v ,. • • . , . . • , - . .,s. ; :«. ,• • i , .- '' ^ ^(^ ^ '^'^ f',. -^. ,^\ ',,. V". '' , / ^,. / — . $ '10,000 ., A. H :>1 , •„. $ •• 10,000 (,.,i H.5l™:,«vin, i - . - l O . O O O . : . ^ . ^ - ' :- • •• ••• :.'..-.-,, each Additional Location " . ; • . - . : • • • . ' '( each Temporary Location( iii.|.M,i •:.(': each Covered Automobile In Transit • • ' . DPH Item 3. Loss Payee! As stated in the Loss Payable Clause, any loss under this insurance,is payable,as intere'sj may appear to the named Insured and , .• ;•; ••'-. ,- '.- ,. .' • , ' - . ', , : c. Vi.;i',';:•• ...i .'!•:..•• i • . • • • • ! • • " • • • • •' I;' .(!"! .'••'•'!'"'.•'.!'" '''::-! H^"'1.' '' .-|'.- •'..'i'l • / ! . • • . • • • c'l 1 1 '.' ?+':.• .1. v ,-. ,. • -I. -': ' ' . ' • ' ' ' i ,C:itCI;. •>:?•.I.';.' H: .'V <•; ' ^ I : ,.',•.: 4 ,'..j.. I'.'l-. .•" • '. ': '.',•' .r <'.' ...OI .',' - .'' ( . ' . , , ' ,- - , , . • • ' ' ..i (.ir f.-, ],« ^ ; . • : •• '•' • ^K^lf1''!''. i '!'i'.;»'| * !* :;'U i !i'^ 4". i',' i (''.'•'' I •! '.'V-I •"'''• I' 1" '^i ' ' '• ^' t' ^U 'i' J!' DPH Item 4. Explanation of entries In DPH Item.l for designating the intereslsJnsured hereurider.ln''covered automotilles to which thjs.insurance applies- 1 ' .d!•>.!!<•' - . . I '-:: :. B.'Quarterly Reporting..Values determined as—•. •••.•;•;.,-.•..>.. . -. ., ... •v'i—i ;- • v"-' :''' >V;:' •'".•:'•'/. "*••.'.*" .*'• .»',•'• ''•.-.. ''.'J. 1 •/•/'•'*•••'•'••,•'.'>'':'•'•;,'. : - -, _' I l.thai^uar^na nf '.IKa *_tt»t IIAF > ff\r tha-.1 *rl 'hurlnArr.sl^u.'Afl *'*fth *t\t 4h* ' nra^etrllnn '- (! .'controlled wholly or In part and used by th^ named Insured'as'places'of.display orstqrage of covered automobiles as of the'effective date of this insurance. :';f[">-1 : i he limit of the company's'liability'for,.eac|i such named J«catlon sha|| b'e as stated herein, subject to a|| the terms of'this Insurance having reference .(hereto,: ,{$'.'.,5 I Loc. No! ';'.'• PREMIUM" FIRE & SUPP. Cov-, 'erages (If "Non-, Reporting' Basis) FIRE=Fire, Lightning or:; < • -[.Transportation Cov SUPP.=Supplemental Cov '•>•>". .•'$:,'RATES j'l•••.••;•:..>• •-•. i,'. -..- .1. . s..v :tf A D D R B S ' : ''«r,*. '; :.. :(Show main sales location as'Location No. 1). ' • ''••••' i.'.. ;>'-.>•;* •;• ;''r^r:'>.t • i- i..-. -.. i''•:••.*' ^4-ii •''.Fire-.: ..^ 405- Estate *Anpajs -Retreat* ^ .•.-"'.,• ivi!'St^'.Thomas.iT.'V.'IiX:-! i' :^; ••.-*••=.. " Supp'. ..'.Jqlal Premium (:' .-All Named Lacatleni PREMIUM ;-COLLISION', •Land THEFTf -,,,Coverages.. Blanket Annual RATESV^CQIUSION and THEFT ' •'.:'.Vj> 7-. for all *'. ': 'Rehorled.1 ^Reported ; First JSO.OOO.f, ill.Named Locations.-based'oi\\(\) Monthly or Quarterlyv •: . j Valueror"1Z) If j'Hon-ReporUh|'-',»Total UmjtV Liability /. I.DOO.f,A/» •i'w :::t50.00't;to: 100,000i».ff.. .^''Ove'r $100.000 vMIi COLLISION v".-' to****.- v^<^.r;^~ :'^4jif'^.^/>!^:tTHErT'..-^ ^/• •- >••• ->^* '$$ . ' f.... t . : • . * • « ' • . ' H I » _ _ ' . t i » _ _ _ « » _ ' _ ' : i « _ _ _ • ! _ _ • ! - . _ _ ^ _ _ j _ - _ _ _ t ! _ - i _ l _ a m _ a i _ s ' i * . i r t * : (b); UNNAMED ^.reference "'•^t-10.000 :>f.':;••.•;heating.equipment serving :"•' '.-• •. *>•'(. located/.or'':; • >-'.,• ;•••• jv-uS--^ '• j^'.-*.1*! ^IfJ'^ ^V^ •; '.-•.•{€) }he stranding,-sinking; biirn|hg '" ''" " •'•• ; '••'•'-', '-..orupon which' the'ea»erejl'ait ,y.' CPVEMCE R. 'THEFT - uv^ '';':.;COVERAGE T.' SUePLEME|(TAL4 : "l I . l*\ miMflf>tAVfM*1'knit ' *<irtknii« • 1-^.^7;^Jj'l;'V(over) :'*A-:V-.' •( '! :'• .'•' ••'report'.thereof,. unless such'jtss occurs during thelirstMS days:i(ter; >cora':v;.'',.piny'$Vhjle$i;riies.' rating plans, 'premiums :ind 'minimum' 1 preiniUms^applicable lo Ihe mencemeht ofnthe use of. such location;. r.!,,--;\ ;.:,';• '.'";-..•' ',?l'iVi.t;,,(,V: ],Y-- insurance..afforded.herein..'.The premiuin.,bases-'and,'rates for"this.insurance are as " ' ' ' ' - ' '- ........ 1 1 - • , - . , * • * ' . Ki.i. • •'-.jKi.t.j ,. • •-.- • . ,, ,. trailer.or,semitrailer in < (K) under.,the Supplemental Cov '•' -• or not 'v/ind-driven. : II. LIMIT OF.UABILITY; {. ;• 1. The'limit. of. the,company's ' "•• not exceed:•.'•,»„' ','.' '-("(a) the actual • -;-',; . thereof the • • ^(b) whai.it ••"•'' ' .rf.thereof. with '._- -pro'vided, that, "" '.',-'"; - is 'designated '..V; company sha «;•> K.V.I? ~n" I "•• f!tfltli6rflir-af-Mc w...,,....-r^!)iS? i8^^'l^|i«Snffi'8ii« oCthVi'imits''oiiJ|abliity' 'a't {,»annd;'lbcatliiuishla| ;be,computed p'rd{rat«.>,Upoh?termination,of Collislori^br.'Sup- Jpfem1htal:C6veraj8,; ('afforded, by expiration|br demand o[ the nmtt lisirti, lhe:.> •}.:.VL-JJ,-L^^,. .i.r« _. iiirh,Plil»r«l»i1 thill I.B/it, be," IBS* |h«n''m» minimiim 'mirnrnA jvfwTSp-'-' 'is; delinquent the company's liability for all loss directly attributable JO a single Happening yui • „> , , which lass occurs'ihall not exceed^-as .tq' all! covered automobiles at'one named/*fr ol.'liabilljy stated Tn Jhe> schedule.;'provlded..that.; jf the.'pre'mlu'nvri't ••,•'•' •''.•'•irldfled''^ isurance is indicated-ln the schedule as: ,:.•;:.•.,'• ^.:.;,;r^;j:^feij;.;. >.-!•»per|od;' Ean lortlng" ,•:••. • - 0 v ••'•-•-." • : ' ' . . ? .•^v,<~ ^f'*-?. :4V V' '' ' r annual rate ,'. i:.t>:t;.u I-- .... »...k i»»* *L..II ... il.^u tu.t-_,>_.,1:... lk*.»i<>. *- .^'. ..'i°'i|lu01 '•in- applicable Ijmit o basis for this insurance (a) "Monthly Reporting . Tl|e company's jiability for 'n ,.,.• i-'-. . ..., the aggregate'actual' loss occurred or wheje ••jllllUtCU, uiowk..^ w. , -••,.,., - - - '.aamed locations; ••".•; .:y.-; .;;.> •?,"y;'A».-'-• - "-. -•• . •premium stated In Hie'schedule Is a 'deposit premium only which shall be J'- J to the amount if. the'earned premium due at the end ol the policy' Earned premiums shall be computed quarterly by applying pro rata of the lie for .each Coverage afforded to the total amount of values shown' in" the named Insured's quarterly statements and, upon notice thereof to, named Insured, shall-become due and payable. -Upon expiration of this insur-" ,V cancellation thereof by the named Insured, the earned premium shall not .'• than the minimum.earned premium,' stated jn the;schedule; ;••••>•':£*•'',»','.'••• cancellation'or expiration of thls'lnsujance, the earned premium cannot v. determined because'of the named. Insured's failure to render the statements ^tt hereunder, the earned, premium forf the period for: which statements.-' 1' been rendered shall be,computed" by applying pro rata of'the annual "' •each Coverage afforded at each 1 location, to 75% p( the total limit of:.'\• therefor at each locatlon..J-«V".:-^jH-!jii;-i*'. >( .•' '. '• •i.. i-'i''*':Vt1!si --'•"- firem|ums fof, Increase of; reductiQn of the'limits'of liability at v. ^e computed pro rata.'- Upon'termination of Collision or,'Sup- ';-, afforded, by expiration or demand of the lamed Insured, theV-' The company's liability for any such. I Which -b'' •;,'•:; • .:.'. ' '.iV.Ni;' (i) the aggregate'actual cash, value's ............, . _ , 'occurred or where'the damaged property Is normally' quarterly statement, last rendered 'to 'the tomp'any prior (ii) the aggregate actual cash values. at:saj'd. locatmn'as 'statement including, with'respect.t? the 'namedJocatloo. p;''-'«•!••;"'.!••'-!!;• '>^^'.l-',;M1^il>"^^!1'It<^';>'''>:.*>.•'• -earned'premium for. such.Coverage.shall not be less than the minimum,earned V , ^"loV^air&tixce.^^ premlijn. stated In the schedule. ...JL; ^ >-f. ••** • • • . • ' ' - . , V> .1 ,^*« 7 .;/. •••<;,• -'' "V-''•• • -:''",'•'«!«*.>;-!/\VKjuJ.'V'f'3! . Jhe'iaued Insured shall maintain records'of such fnforrnation as Is necessary, for' •• , ue's'with'respect to*tVe'lbcatl'bn'whire ?s'uc^YossV\^prem|um.cqmputation;. and shall send copies of _ such, records' to the company at the;.. ."•'. >. . T _. .'J' _i,.'. i • _i. *.. _'.' -l•ill...«»*L^ v.r-.. »nA M !*h«. nnlirv nerinH inrf *\ turn tim»c fli.rmt thA.riAllrv nprinn it Ih* rnnwiftiw •*' examination under oath;1,'.\V- ••";•?.*.''*•• '•'.!.{'^i.' r"''' •'•'•••', '•"'••' : .S'-1 • • - -a-- cooperate with the company and,'upon the'company's .request, shall assist In making •• ^"-i ' ? » » t . _ _ _ « _ t _ - « i L . ' _ - : _ j . J _ i ' a _.•_!»_ _ _ ^ i l _ _ - » _ _ _ ! _ _ • _ _ . _ _1_L » * - « • _ _ _»!»»...»»_ _•<_ _ V * ' . • DEFIHITIDHS •";; the aimed security Interest "covered its equipment, robes, wearing schedule (a) heldj (b) use'd •' vehicles, (c) if so (d) held "loj$''v means "named named insured as a' plact' dress xshown in the schedule; "security Interest" means' secures ari'obligation owed -"standard open lot" means metal cyclone or equivalent one ror! more sides by the' and with. the. exposed sides fence' not'.less1 than'sjx (eet'i attended; • • :".'''•"'.•'••' ."temporary location'^ means of storing'or'displaying c"" ~n or a location named linst loss covered shall pay only I before the list Is paid;or'the - i any stolen covered aitoMialle . damage thereto; or may take all .' • ' antomoalle at the agreed or appraised value --I i'company?'j'V •!;,;'•': .^i-]- ••tf'&.'i'; I insurance • • : . - . • • • • - - . - - • • - - - . - • • . • • ; . . • - . • • . • ' • - • .u , named Insured has'other Insurance" against a loss covered by this Insurance,' company shall not be liable'unde?.this Insurance for a greater proportion of such: ;the applicable." limit of liability stated In the schedule bears to the lota). "-" -' 1!-L!1"- -' airvalid and collectible Insurance against such'lasj. , .' . ':•<••„''•''.,•*''•.'• . - * . . . - , . .• .. *. • i. this Insurance shall'inure directly or Indirectly to the' . . bailee fo.r.hire. ..:.•„,,'. ... ,. > -^ . . • . Insurance Conformed to Statute;:''•„>•v ...''', ' . • • ' i •,•':,.!i' :.- .. , :sInsurance'which are* In conflict with the statutes of the statq.'wh.erein ;-' ' .1 !t" issued are hereby amended to conform to such statutes.'" ' ' ' • ' - ' "'' ' 2182 aV:^V •'->'; The-following 1 • „ : ' • • . . ' V ' " • ' i i < A L L ; . P , U R p O S E ' £ N D ' O R S E M E N T j,ir,i; ;^;' -,:.•• '• .'". •' • . •••:. . .. .::..;;.-•;.<;••T/i-^v}'?/,-:-:^ ri,!:V- >i • w:-.. • '•• . . - , . . . '.. , • • • • • - . . .'•:•.* "- , '• --I •/•;'" ••..•:-"'?f3"-r-'-,^-i•'•,.S-v •••"' • .-•>•••'••:• ••*•»•'••.'•'" • ;•• " •,. . : ' ••:^-- .;-•-• ;•*•': Uv::^:,^^^ •.'.:•: A-,-., spaces preceded by an asterisk (') need be.completed only. It th!s< Endorsement. Is Issued subsequent to preparation of It, ' ••- t • \ , . • - , ' ' V • • ! • • . 'i •, , • ••• i I*J • •'' % '' •* • i. •' ; " 0 ' ' • *• • V- ; ' . - ' :-• ,!s.:.:--;J?v'v ',••":--tf^,?:.:&^>-!;*,.'••*•-;;, '• '-' -••'•"'..'• • v " f/ie Po« •This Endorsement, Effective .. '"'January '!-,"' 1984'.' Forms a Part of Policy .;'- ^.l'::'.' •f'^ 'GAL. 5001876 a- '• ii'.' •FiremaH's:'Fuhd'Insurance CnmriahV '''•• •Issued To • - : : • • :•;'••:. y . •.-. - • • . . . - , ;-' •;•-• .••••;. ^^^:V^.;^::^^;>•ri;.i•^^7 ; • • • • • : . , •.:-•: "v :..^--v,-",j :. ,:..;•: .^v,:-M^v/^:^^;j^; -^Ramsay Motors; .Holiday Rent-A-Car and R '& :Rfproberiies' • . • • • . f - . ;v.^>V Ihc't^ A/T/I/M/A!: >•• •>V •'.""•.'•;*. • : • . ! . ~. •'•. % '.••'.V v '••- ' ' • •• • '' : ••''''• :i> i*iv-'-i'''!^.'v ;»'*''.*f !t'Vtv' srt'?"'v?-!'" .•>''.'•? i< :':"'' •''•'''i'v.i.-j''.'•:•''''• ••' < '•'''•"' - :. "' i I .. -., In consideration of an Additional Premium of $ _^_TLrrr_i.'_.;Ldl/2;^-^Ll^lL'tsi.Vi-'''".* Return Premiurn of $ _'iL1i'Z~T_T.^_^_••__"_:_'__1_1_ • '• it is understood and agreed that the Policy is amended as V'i:"S r. I ^i'- ¥*&*.i hv, !"v'<•: • foi'io^t:^r^ri^i!^^:-^f:?^ --v' - ' - 1 : ': V^^j^^:S^:^^%Xi-'••.•:'• ;,;! ''i^^K^-^/1^ ^.;;-:; v .:- . .•;: .. •, . -y i .;•.; .•-.- ' ^-••-^pr;.:".: , r-kV.;^X^5»::.>.; • . . ; .,' ](*•'>*-' -^ ^; FLOOD ••EXCLUSIONllfcr^:. •.:••••'' ; :'f'5 •'^'^' V ' '•'-. '"^ All other.terms^and cppditiQps offthis^oli,cy;^^remain unchanged. , • < . .; •' .Antil/l)es Insurance, In< .-;•' '. FORM .NO.. I SH-25M (REV.^J/751 .f ' ; : I- ' ;''' ''i. /.'JiV' 1*-'.-' 1' ••'(•.•.'"*:'''.'",f-' '• ;''!':.'. Authorized Representative :••-...• • (l. .UNINMJKtU MUlUKblb llN^UKAiN^c , ^'^V^ I : SCHEDULE . •:••'.''•• -..! General—Automobile Liability Policy No. GAL 5QQ1876 Designated Insured Ramsay Motors,- Inc.; Holiday Rent-A-Car & R & R Properties, Inc., A/T/I/M/A : ,. ': . !V>,.;--" .'..':,;Ui;;V;{- ::r-/;:;,;;,;i... .';,• ;,>$ YI. y,. v. . 'V " ,'. .. Description of Insured Highway Vehicles (Check appropriate box) '• '::^-;.{|'Ci:i;';v;f ---...- [3 Any automobile owned..by.the named insured [3, Any private'passenger automobile owned by the named Insured ']';";.'. . ., j.; .,..,,. , ,. ... ,.,, >, ,„ ._.. . . . . . . , , QJ'Any highway vehicle to'which are attached dealer's, licensed-plates Issued to.the.named Insured '-..- ; '. ,,, '' 3] Any highway vehicle designated In the declarations of the policy by the'letters'",'UM" and.a|highway vehicle ownership of which is acquired during >•'. the policy period by the named insured as a replacement therefor . :'',-'i'iRj'/r i n'".-'i ' - : ••• v\i-,-ii •; ; •• •• • •' ~1 Any mobile equipment owned or leased by and registered in the name of the named Insured •'.-.-' •}. •. 'n'i; •' -.I.':-- I • ' ' r in A°y D :'-A i •'•>' ,-j I. COVERAGE U-UNINSUREO MOTORISTS ;. (Damages for Bodily Injury) ; < ' : • ' • • • • , *''' •III.'.LIMITS; OF LIABILITY^ • . • : • • • ' ."'• • v •;'•.' '• . " ,'.</••-I'-'s >v ^.'.- '•'.iliii'. IK <!1.j •,-•'•' ,'"(.:.-i .:! .| ' • : ' •• ' :' Regardless'of'the number-of Insured* under, this policy, the company's liabili! ' s limited a s follows.-V''.-nAi:'i:-' ' ' , . - . . - . .«H, . , ,.:.. •,,).-. |V l;i'l.: ."..;•' .:..;•.-.: ' ,':n;? : :>:(^ .V.I i . ',. The company will pay all sums which the insured or his legal representative shall '•> be legally entitled to recover as 1 damages 1 from the owner'or-operator of an unin- jured highway vehicle because of bodily injury sustained by the Insured, caused by accident and arising out of .the ownership, maintenance or use of such unin- sured highway vehicle; provided, for the purposes of this coverage/determination as to .whether the insured or such representative is legally entitled to recover <uch' damages, and if so the amount thereof, shall be made by agreement between e insured or such representative and; the company or, if. they fail to agree, by ./Miration/' • • : • - , . ;v= --ui-,:«-.;'•„,,;.•.•>.-.,i ;. . •• • • -,s" jv.iu t •;•:•:. 7" • • '. ('''''I!" t ' •• " ' • •".:,< •• -M.iv. .-•• t '::' ' ' • : .'(.'!''• * >'ji™»'•• '• No judgment against any person of 'drgariizatiorCalleged tb be legally" responsible 1 ./for the bodily injury shall be conclusive, as between the Insured and the'company,. of the issues of liability'of such person'or''drganization'.or of the iamodnt of damages to'which the insured is-legally ,ehtltled unless such judgment ls"etitered pursuant to an action prosecuted byi the>insured'with the written consent'of the. '• company. • • •• :':1 •'.-.'^.f'J''';':''• •".-• .'<i'l'- «-' .•.-.'.•'•• ', > :^:;i'';;'' ,!",i;r"'i . •- . ^t .-..' ...;"••';'!•'•• ' ' ' . , . ' -'(•': " - : . . • • ' • • ' •••'.','• ' • ., ;'•.'!, r '!•' • • Exclusions'J;'" •( • • •• ''•' '.'i r,'''-1::, v • .'.' . "'. •.' -' This insurance does not apply: • •'•!(•. • • . ' : . • \:•';•>• '.' ,. . ; .. r-,. , "i"i> •?•>»,..• ,,•-•.•>•; -"•!-... . . ; - . . - . • . ' ..;,.., . : • • • , . . ,! '. , • , |... •• ", ' :.; (2) the amount paid and the present value of all amounts payable on account • (a) to bodily injury, to an.Insured.,with respect, to, which such'.insured, his, legal • " :. .^'>f Such bodily Injury Under any workmen's compensation law, disability benefi • representative, or any person entitled to.payment under this insurance"shall, '••- I;^<(:law}orhany'lslmilar|'l8w.(\ f' 1 •:•!•',•'(.;,'•»••f>i--'!'i^{!|::'i. f . ' ' •,' "' without written consent :pf^the company, make any settlement with any person : •. ' or organization "who may be" legally1 liable therefor;'' '' V'-' •*;''• :''k'?r:"*\'- • • .,.- ,-.. • • . - , ' • •' . ' i : •-, ', Vi-v U -;:—'. . .- .1 . • i."."•••} |'l. :i,|"!-j (b) to bodily Injury to an Insured while occupying a highway vehicle (other than an •. Insured highway,vehicle) owned by the,named insured, any designated Insured or any'relative resident In the i same household as the-named or-, designated . : insured, or through being struck by.such a vehicle, but this exclusion does not apply to' the named insured or his'relatives', while occupying or If struck by a •' • highway vehicle owned by a designated insured or his .relatives;. ... (c) so ^'as to inure directly or indirectly to the benefit of any workmen's compensa-;, ; .< tion or disability benefits carrier or any person or organization qualifying as a self-insurer under any "workmen's'compensation or disability'bene!its''law or any similar law.. .... . , . .'.•'':', •..:.,•).•.-.. . . ;• .,;.' • (a),The,llmlt ol .liability staled In the declarations as applicable to '.'each person .Is the, limit, of the company's; liability for all damages because of bodily injui v : sustained, by one person.as the result of any one accident and, subject to Ih . above provision, respecting'"each person"; the limit of liability stated in th : '.".. 'declarations-as 1 applicable.Id "each accident" Is the total limit of the company .liability; lor all damages because of bodily Injury sustained by two or mo, •. •;«•• persons'!?s">?;result of'any one 'accident.'.: -^ .(b) Any. amount, payable urider the terms of this Insurance because of bodily lnju> ; • • ; , sustained'In an accident by a person who is an Insured under this coveraj •/'. ^shall|be':reduced by'.^.vri fwi',!!^: i^i^.M-!(I... • : • • - • :•: ;• •,• i'.A. (iralLsUrns-'paJd on'account'bf such bodily Injury by or on behalf of.,. [•'' -j^-'jif! the'ownef;oriOperator of,the uninsured highway vehicle and -•; •: ';':•'-':'''((IJ'any other ;'periiJH 6r organization lointly'or severally liable'together wii •.''.;'((/ ?'[ j'sten'Owner dr operator for sdch nodllir Injury, •' "i':"1 •' .'•Including' air^UmsVpalci Lr|der the bodily'injury liability coverage of the polic II, PERSONS INSURED' " ; •-'.-' "" : : •;.' '' r ; . " : ' • ' Each of the following .|s an insured under this insurance to the extent set - forth below: - , . • . . . . ; -M '" ] • ' •' i.. :: . (a) the named insured and any designated insured and, while residents of the same household, the spouse and relatives of either;. ; . . . ' , . ,...,' '(b) any other person while occupying an Insured highway vehicle; and '. .. ;';-; (c) any person,.with respect io damages he is entitled to recover because of bodily injury to which this insurance applies sustained by an Insured under (a) or (b).-' .',- above/ <•!'"' h . ' . > - . . . . c; . , ' ! , . ; • •• ' M • ! • • • -.- ' ' : •'-,'-: . • - •••;;: > , .,;•• ' | -. The Insurance applies separately with respect to each Insured, except with respect to the limits of the company's liability. • • . - , ' • . : ; (c) Any-, payment i made, tinder, this .Insurance, to'or for, any Insured shall be applic • •• in ,redu,ctloji'of the amount of .damages which he,may be entitled to recov from'any person or ;organlzation who is an Insured under the bodily Injury li '•.! bility,coyerage of the policy., ,-l.':i-i:i |s.i;i'is.ji ,i . •.. -i\ . ••,-( ; • - . • .. (d) the, company sha.ll not.'be. obligated'ioipay under this insurance that part < • (he. damages ,whicl| the '.Insured may be entitled to recover from the owner operator of an uninsured highway vehicle which represents expenses for medic services..paid^or,payable, under the medical payments coverage of the policy. IV. iPOLICY'PERIOD; .TERRITORY • ': ' ••' This Insurance'applies''only'to accidents whjch occur during the policy peril and Ywhjn thei United States,of America, Its' territories or possessions, or Canad V. ADDITIONAL DEFINITIONS , - • • • ' « - • : . - , , . - ' -.!.' r-u'1 ••••'\ • " -•!•• • • - • • • • • i . ' . | ; • • • • • i . - - • iWhen rused in'reference to this Insurance (including endorsements forming - i - i it.. _ _ ! : - _ » . . . ° •, part of the policy):' "designated Insured"imeans an individual named in the schedule under Designate Insured;i•' v 1* : • ..'.' ,':/' '.•••' ' i... '••;•»; >• •; , : • . , . . - . • : . "hlghway.'yehlcle''',means'a land motor vehicle or trailer other than ,-,. • ,'.' (a).ft-farm.type tractor or other, equipment designed for use principally off publi roads, while not upon public roads, ' * (b).a vehicle,'operated on rails or crawler-treads, or • ;. ~i':•>••;,i-- (c) a vehicle while located Jor use as a residence or premises;.' •• •' • ' ."htt-and-'rcn vehicle" means a highway]vehicle'.wnTch^cause's'bodily.|njuryito'an'-;'he[ or in the event of his incapacity his legal representative, ui m uie.uv Insured,arising'out'Of physical-contact o|'such..'vehlcle'wlth'the Insured-or with ;•'" ;'of his death " . death'his-legal representative or'the'person or persons entitled Jo'sue ( arising or persons whose, identjty. support thereof; and ',,',. v. • , > '•',•: .'."-I '.v (c) at the company's request,'(he.'insured or his''legal"'representative'': available for inspection the vehicle which time of the accident; "insured highway-.vehicle" means a highway (a) described in the schedule as an Insured .-injury liability coverage of the policy (b) while temporarily used a s - a substitute . described in subparagraph (a) above, '•"'••• 9f :its (c) while to join such person or organization as a parly de '[>./, NO'UM' of Legal Action. ' • ';• '"-ty a "!'"• .y. .,, •• -'if,- before the company makes payment of loss hereunder, the Insurer),or (i»™ legal representative'shall Institute .any.legal action for bodily Injury against jj any person or organization legally responsible for the- use of a highway vehicle f the Insured.:was occupying-at the •'<' , ••'V-.'i,, [.j; ;.,.•$!,•£•:). ji^r '.•..'• '/ • elilcli:';^*^^.-;^;'^*^'!^^;'''.}!^ .'-. ighway vehicleUo'which.'the bodily . : v." deemed not to exceed the higher, of the-applicable, limits of liabilit but fhe term."insured (I) a'vehicle while .!•:' specifically lii) a vehicle while (iii) (iv)' use of the named I "occupying" means in or "state" includes the District States,* and a province "uninsured highway vehicle (a) a highway vehicle with , . , . . there is, in at least the amounts'specllie<J'by<<lhe financial responsibility law - of the state In which the Insured highway vehicle Is < principally rgaraged,>no ., bodily injury liability bond of1 Insurance- policy applicable'at the 1 time''of the •accident wjth respect to ''any -person' or organization/ legally responsible for . the use of such vehicle, or'with.'respect to.-.which,Ihere ls^'a-'bodily'i Injury -'- .'liability bond or insurance policy.applicable at the time of the accident but .,.'.., ... . • * 1 i' ' ' 11 i t • • . * , « -v'; ! the company writing -•' |; insolvent; or • '• -v•••' (b) a hit-and-run vehicle buf the't,erm "uninsured (I) an Insured highway ."(ii) . making claim'hereunder and, the< company do not agree thai such igally entitled to recover/damages from the owner or operator of an ilghway vehicle because of bodily Injury to the Insured, or do not the amount, of payment which may be owing under (his insurance, then,, upon written demand of either,• the mailer or matters upon which such person and the company do not agree shal|tbe settled by arbitration, which shall be conducted in accordance with the rules of the American Arbitration Associa- • tion unless other means of conducting the arbitration are agreed to between the Insured and the company,'and Judgment upon the award rendered by'the arbitrators may be entered In any court having jurisdiction thereof. Such person and the company' each agree to consider Itself bound and to be boupd by any insurance. . j; . insurance:• [i] an.lnsurerj highway vehicle, J^f^y.-. ;.,.,,,,:j *;,••;.,.:: x^uttti.fli 'j^.-. • '•• (a) the company shall be entitled to the extent of such' ii) a'highway vehicle which is owned or operated by a self-Insurer'within'the,-. •,'••.. of any settlement or judgment that may result from t • meaning of any motor vehicle financial responsibility:jawl motor .carrier-'law ?;;;.'' of recovery.'of such person against any person or •' or any similar law, ••.: ••:.^'--<f;'' '/•'•" i-? J ••, >>>• i1:^.' ',''!!• :'.!);H'?ili1"*, V 1"'.!' V :^' ' sponsible lor the bodily Injury because of which su a highway vehicle which is owned by the United States of America,-'Canada]';.- > a state, a political subdivision'of any such government or ap agency of any .of the foregoing, i..:;.>, I,:'-!<i, •.?. :;. .. •\:'.'tl-i •>•'.• ?.: ; 'Vf*V>!|i; >;;>..'•' ''''•• DDITIONAL CONDITIONS . : i.vy..; •'• "& §'%£'• $ '|;$$;V^: •"'' emium. . . • ', •_>,•'• ' • . . • ' . ' :.-j; .r • !i'.:''\>1{i';l!f<c';V?!'^I :*i'A-'i;'-1 1 1> - :' payment to the proceeds !he i VI. ADDITIONAL A. Premium If during the policy period the number of insured highway vehicles owned by the ' named insured or spouse or the number of dealer's license plates Issued to the • named insured changes, the named Insured shall notify the company'durlng the, policy period of'any change and (he'premium shall be'adjusted In'accordance ,', with the manuals in use by the company. If the earned premium thus-computed .- exceeds the advance premium paid, the named Insured shall pay the-excess to • the company; if less, the company.shall return '- "" ——J <--•—• "-- —-—--' portion paid by such insured. ,.,''' Proof of Claim; Medical Reports.' rn ^the named.Insured tljeyearned ; . je) suc|) person'shat,' •i.'','"i'•';" >''v!>')'.''-''i;i:''-:>-v-ii4''-'"K'-';.' i .' • '' PaPers as may be .'•• .'. ••";'» •'.-!•;'.; •'.'••iv :.'-'-fti: Vi,': •''','*• , ' ' • • ' • •• person'and the ct ii person making claim.'-'shall give to1'';'1'-;"1' :.'•; :i; . . . . . . .Jer oath ifT,requlred,r|nclud!ng'.,fullii,H;f,P?y.m! , particulars of the nature and extent of the Injuries, treatment,'and other details ?.'.;.. Any a entering into the determination'of' the :amount payable hereunder.ul,h? Insured :I ';. ' (a) i0 and everyother,person making,claim hereunder'shall 'submit to examinations j.'Vf' /M u exercise of any rights organization legally re- such payment Is made; ,i(b) such person shall hold in trust for the benefit of the company all rights of recovery which'he shall have against such other person or'organization i • because of the damages which are the subject of claim made under this . . Insurance;-' , \i. " (c) such person shall do whatever is proper to secure and shall do nothing after loss to prejudice such rights; :i.. -;f, , . .• (d) if requested in writing by the company, such person shall lake, through any representative designated by the company, such action as may be necessary .',,. or appropriate to recover such payment as damages from such olher.person ,.>," or organization, such action to be.taken in the name of such person; in the " '. - event of a recovery, the company shall be reimbursed out of such recovery for expenses, costs and attorneys' fees incurred by it In connection (herewith; execute and deliver lo the company such Instruments and appropriate to secure the rights and obligations of such company established by this provision.-, . ..v . As'soon as practicable;-the insured-or olher person making claim.-shall give .w a :- • '" the.company written proof of /'claim, 'under oath if.'requlred, r Including'., full;',,, H.,, Payment of Loss.by the Company.: . . ... .... , ... ....... ._......_.., .u. ,.,...,.. ..^.-...v.^ ..... r......... . amount due hereunder is payable';' -\ the Insured, or; . ".'' '. '• the Insured be a minor to his parent o'i'tVn aVrnay'reas'onabfy be req'ulred. Proo'f ofrcla'im shall'be'rna'dV.upon' forms,,.' /,; (d if the insured be deceased to his surviving spouse, otherwise .: furnished by the company unless the company shall have failed tq furpish such 9 • (d) to a person authorized by law to receive such payment or to a person legally forms within 15 days after receiving notice of claim.' ' '-••'.''.-"'i'ViiK^'^vV''<•';'•". entitled to recover the damages which the payment .represents; The injured person shall submit to physical examinations by physicians' selected ''.'provided, the company may at Its option pay any amount due hereunder in by the company when and as often as the company may reasonably'require and !•; accordance with division (d) hereof. ' • , " • ' • ' - • ' ' • ' ' • " • • " " " ' ' | *~ ; •' • '' ' • "^ i.'' !' • -' I •I,'1' |.' ('O*'' ** '• C' • ' ' 'i' ~ "~ ' •' ' ' • • - . • ' i I ' ) * • ' ' - ' ' ''' ' : ' ...'. I/';. PERSONAL INJURY LI ABILITY: INSURANCE.COVERAGE PAR 1 ; - . . . . , SCHEDULE General—Automobile Llablirty'Policy'"N'o.' ' GAL 5001876 ; The Insurance afforded is only Indicated by specific premium I , ; A. False Arrest, Detention or B. Libel, Slander, Defamation C. Wrongful Entry or Eviction Insured 1? Participation .. 0 with respect to personal Injury arlsfng out of an1 blfense jjicluded., within charge or charges. . ':- •' .'.- ' ' ' ' '•• -'""• r£H''v'j$';' ; ' - - '••.'•' GROUPS OF DEFENSES - Imprisonment, or Malicious Prosecution • or Violation of Right of Privacy . '••'- : • • •• or Other Invasion of Right of Private Occupancy % : ' ' 'J Minimum Premium •' 'M>>t. • i" :•':. •...'.' f .":UV:.i ']•&<* •*•*•': • • >•'/• >'. : . •• • •'•\i .'•• '$'.:••'' '"•'"• such of i • 4 < - »* | Total the following, groups of . ' .1 • • : '. Advance i Premium offenses as ADVANCE are PREMIUM s Incl . $ $ $ Incl Incl Incl • . • ir Exclusion "C" deleted. ;' : "''-Subject.to $500,000.Aggregate •'•'¥'•- ."I. COVERAGE P—PERSONAL INJURY LIABILITY . ' . • ' . "•••. The company will pay on behalf of the Insured all sums which the Insured shall . become legally obligated to pay as damages because of injury (herein called • •"personal Injury") sustained by any person or organization and arising out of one ' ••••' or more of the following oftenses committed in the conduct of the named Insured's .' v- business: ."'•'•'. • " : 'f Group A—false arrest, detention or Imprisonment, or malicious prosecution;;' .•" Group B—the publication or utterance of a libel or slander or of other defamatory ': or disparaging material, or a publication or utterance in violation of • -an individual's right of privacy; except publications or utterances In-. ' the course of or related to. advertising, broadcasting or telecasting • ' activities conducted by or on behalf of.the named insured; ',•,,'• Group C—wrongful entry or eviction, or other Invasion of the right of private; occupancy; •.'•• .. <;. . ' . • ' • ' ' » • ' . • • ' • ' - ' . . ' ' ; • • ' • • • . i •: •. , „_^ such offense is committed during the policy period within the United-States of America, its territories or possessions, or Canada, and the company shall have the , right and duty to defend any suit against the Insured seeking damages on account •' of such personal Injury even If any of the allegations of the suit are groundless,' false or fraudulent, and may make such Investigation arid settlement of any claim' or suit as it deems expedient, but the company shall not be obligated .to pay any... claim or judgment or to defend any suit after the applicable limit of the company's '^ liability has been exhausted by payment of judgments or settlements. , . ; .' Exclusions " • _ ; • ' '•'•• This insurance does not apply: . . ' ':, (a) to liability assumed by the Insured under any contract or agreement; (b) to personal injury arising out of the wilful violation of a penal statute or. ordinance committed by or with the knowledge or consent of any Insured; (c) to personal Injury sustained by any person as a result of an offense directly or indirectly related to the employment of such person by the named Insured; (d) to personal Injury arising out of any publication or utterance described In Group B, if the first injurious publication or utterance of the same.or similar material by or on behalf of the named Insured was made prior to the effective date of this insurance; : ' ., • • • • ' • ' . l . : i • • • • . ' - • t • • ; ' • ; . ;• '• '• • . - • • . : (e) to personal Injury arising out of a publication or utterance described In Group B • concerning any organlzallon or business enterprise, or Its products or services, • made by or at the direction of any Insured with knowledge of the falsity thereof. , 111. PERSOHS INSURED . • " -Each of the following Is an Insured under this Insurance to the extent set forth below: "s;.^ ,:.-.;;.i ''|J • ; '.;'. . . . : ' _ (a) if the named Insured 1 Is'designated in the declarations as an Individual, the person.so designated and his spouse;' :^ • (b) If the'^hamed Insured Is designated in the declarations as a partnership or : joint venture, the partnership or-joint venture so designated and any partner ' or member thereof but only with respect to his liability as such; (c) If the named Insured Is designated In the declarations as other than an Individual, i partnership or joint Venture, the organization so designated and any executive , officer, director or stockholder thereof while acting within the scope of his • duties .as such. * '" ' ; ' : ' • : • • • • •• ' ' • • ' . • ,, This'Insurance does not apply to personal Injury arising out of the conduct of an\ partnership or jolrit venture of which the Insured Is a partner or member and whicf Is not designated In this policy as a named Insured. ' ' ' INSURED'S PARTICIPATION •'. Regardless of the number of (1) Insureds under this policy, (2) persons or organiza lions who sustain personal Injury, or (3) claims made or suits brought on accoun of personal Injury,'the total limit of the company's liability under this coverage (c all damages shall'not exceed the limit, of personal Injury liability stated In th declarations" as "aggregate". If a'participation-percentage Is stated In the schedule for the Insured, th company-shall not be liable lor a greater proportion of any loss than the differenc between such percentage and one hundred percent and the balance of the los shall be borne by-the Insured; provided, the company may pay the Insured's portio of a loss to.effect settlement of the loss, and, upon notification of the action takei the named Insured shall promptly reimburse the company therefor. '*•'• '•':'*•:•• ';:;••'*.';.'•."'• ' .* . IV. ADDITIONAL DEFINITION / When used In reference to this Insurance: ' ' "damages" means only those damages which are payable because of person , Injury arising but of an offense to which this insurance applies. . ' '.- '.r. . •..' . . ' . ' • ' ' . ( ' '•<•' .; • '.^ ,.-;.: V./.-i/;, "' -' -,' •' •. •'. • «• • • ' • - • ' ' •;-,'•':' i . TUT OQ;-r 2186 }^.:';.S'';;•••;— • • • EMPLOYER'S LIABILITY STOP-GAP COVERAGE ENDORSEMENT It is agreed that such insurance as is afforded by the policy under Coverage Part....Bodily Injury Liability, applies also to the liability of the insured for damages because of bodily injury by accident or. disease, including death at any ...time resulting therefrom, sustained by any employee of the insured arising out of and in the course of his employment by the.insured in the United States Virgin Islands or in operations necessary or incidental thereto, subject to the following provisions: . • ' ' J . ' A. This insurance applies only provided-the insured (1) has, where required, filed acceptance or election of the workmen's compensation law of the United States Virgin Islands and will not file notice of rejection of the provisions of such laws during the policy period, (2) .has insured all employees required to be insured under each such law and (3) duly reports all payrolls and pays all premiums due thereunder. -, ' :';.!• . • • ' B. As respects the insurance afforded by this endorsement, the exclusions• of-the policy are deleted. This, insurance does not'apply: • a. to bodily injury by accident or disease, including death at any time" resulting therefrom, sustained by a.master or member of the-crew of any vessel or.by any employee'of the insured in the course of an employmentk subject to the United States' Longshoremen's and Harbor Workers' Compensation Act, U.S. Code (1946) Title 33* Sections 901-49 or the ' Federal Employers' Liability Act, UiS. Code (1946) Title 45,.Sections 51-60,'.sustained by any member .of the'flying crew of any aircraft, or . • sustained by any employee with respect.to whonr the insured is .not . required.to contribute1 •tb./a workman's compensation-•insurance fund;'. b. to'liability assumed'Dy-the-insured-under any''contract :or--agreement, but . this exclusion does not apply to a warranty that work performed by or on 'behalf of the insured will be done in..a workmanlike manner; c. (1) to,punitive or exemplary, damages, on. account of bodily injury to or., ^death.of any-employee employed in violation of law,;or' (2) with respect.j ;'to'any employee employed in .violation.bf!.law, with the.knowledge or • • acquiescence of the'insured or'any executive officer thereof; d. to'bodily injury by disease unless prior to thirty-six months after the end of .-the policy period written c^aim is made or,, suit .is brought against ...... th'e',insured,for. damages because;of'such injury, or death resulting . : therefrom; "• : "•'• ' " ; '. •• .. V ' ' • . ' ' •' '. r e. to any obligation for which the insured:or 'any, carrier as his insurer may be;held liable under any workmen's compensation.or occupational disease • lawyany unemployment compensation or disability benefits law, or under any similar, law; ' ' . , . - '. [. .'. -','^^'^'[> •-,-'.\ , ; , ; / . • ' , *':':''.'."''••• .•• •••-• f. to [fines, or "penalties .imposed on the. insured for failure to'comply with the requirements of any workmen's compensation, occupational disease or industrial safety law. O03 218? C. Definitions . ' » ' . - » - • • • J • * a. Bodily'.Injury by Accident; Bodily Injury by Disease. . The contraction of disease is not an accident within the meaning of the word "accident" in the term "bodily injury by accident" and only such disease as results directly from a bodily 1'pjury by accident is included within the term "bodily injury by accident",and only such disease as results directly from a bodily injury' by accident is included within the term "bodily injury by accfdent". : Jh,e;term "bodily injury by accident". b. Assault and Battery. Assault.and battery shall be deemed an accident unless committed by .or,at ,th.e direction of the. insured. ' , D. Application of Endorsement vi" •••••• ,' ' • . ' • • ' : i * . i . This endorsement applies only,, to.j injury. (1) by accident occurring during the policy period, ,or (2) by disease^caiused. or aggravated by exposure of.which the last day of the..last', exposupej';',1h 'the; employment of. the insured, .to conditions causing the disease occurs duripg.the 'policy period. E. Limits of Liability ,'. .."'• '"; .^"..'', ' " ' . '' '.". ! • ' • ' • • • • • . ; • '.-^ • ;.'., i '\jtj j i\ . . ' . . . • i;. i ( _ . . . ; . . . : • • . • i The limit of'the Company's "liability under this endorsement is'$ 300,"000 for all damages,, because of bodily .injury, by accident, including death at. any time resulting therefrom, sustained by one or more employees ip any" one accident. The total limit of. the'Company's liability for "all claims arising under the provisions of this endorsement shall • not;.exceed $ 300,000 in any one annual. period of insurance. . • . . ' ...,.' :-T ;,V , ' . ' .- The limits of liability stated herein shall not be cumulative with any limit of liability stated ^elsewhere in the policy. • . ; . ' . . • ' » • • ' " ' ' The inclusion herein of more than'one' insured shall' not operate to increase the limits of the Company's liability: ;. E.L. 1 (W.C. 7777-) ; . ":" :< TIM" 003 2.1. S3 Tora Ho. 24- Puerto Rico Inspection 6: R a t i n g Bureau 7 J-7-58 LENDER'S LOSS PAYABLE CLAUSE y. under thi, poiicy .h.n bc p.y.bie to_...Smal.l...Busine.$s..Adcniriis..t.ra.t.lo.n............................,....— aa lender, m o r t g a g e e , or t r u s t e e , as i n t e r e s t may a p p e a r * .''.''• . . • It 1* understood t h a t th« lender, m o r t g a g e e or t r u s t e e now has or w i l l a c q u i r e from time to t i m e an i n s u r a - ble i n t e r o t in c e r t a i n p r o p e r t y i n i u r e d under t h i s po I i cy a s •' e i t a'b 1 i s hed by w a r e h o u s e r e c e i p t s , b i l l s of l a d i n g , d o c u m e n t a r y or other w r i t t e n e v i d e n c e . * . '.-• Tbi,r..in>ur ance, solely as to the i n t e r e s t t h e r e i n of the 1 ender . ' inor t ga gee or t r u s t e e , shall not be i m p a i r e d or i n v a l i d a t e d by any act or n e g l e c t of the borrower. m o r t g a g o r - o r owner of the w i t h i n d e s c r i b e d p r o p e r t y ex- cept as p r o v i d e d in the l a s t p a r a g r a p h hereof, nor by any change in the t i t l e or ownership of the property,nor by the o c c u p a t i o n of the p r e m i s e s w h e r e i n such p r o p e r t y is l o c a t e d for purposes more h a r a r d o u s than are p e r - mitted by t b i a policy) p r o v i d e d t h a t in case the borrower, m o r t g a g o r or owner s h a l l n e g l e c t to pay any p r e m i u m due under t h i s policy, the lender, m o r t g a g e e or trustee shall, on demand, pay the same. Provided also, t h a t the lender, m o r t g a g e e or t r u s t e e s h a l l notify this Company of any change of ownership or occupancy or i n c r e a s e of h a z a r d w h i c h s h a l l come to the knowl edge'''of said lender, m o r t g a g e e or t r u s t e e , and unless p e r m i t t e d by this policy, it s h a l l be noted thereon and the lender, m o r t g a g e e or t r u s t e e s h a l l , on de- aiand, pay the p r e m i u m for such i n c r e a s e d h a i a r d for 'the term of the use thereof; o t h e r w i s e this p o l i c y s h a l l be null and void. • ' . •'•«'*' \f .- • • •.:.•:. .:. ir!.^ • .. . . This Company r e s e r v e s the r i g h t to cancel t h i s policy at any time as provided by its terms, but in such case ^—>-ais policy shall continue in force for the benefit only of the lender. *mortgagcc or trustee for ten days after n o t i c e to the lender, m o r t g a g e e or t r u s t e e of such c a n c e l l a t i o n and s h a l l then cease, and this Company s h a l l have the r i g h t , on like notice, to cancel this agreement. • ' ; . ' I ' . • ' . ' •' Whenever t h i s Company shall pay the lender., m o r t g a g e e or t r u s t e e any sum for loss or damage under t h i s poli- cy and s h a l l c l a i m t h a t , aa to the b o r r o w e r , m o r t g a g o r , or owner, no l i a b i l i t y t h e r e f o r e x i s t e d , this Company •hall, to the e x t e n t of such payment, be thereupon l e g a l l y s u b r o g a t e d to all the r i g h t s of the p a r t y to whom such payment shall be made', under all securitie.s. held as c o l l a t e r a l to the debt, ,or may, at its option, pay the lender, m o r t g a g e e or t r u s t e e , the whole p r i n c i p a l due or to grow due on t.hc debt w i t h i n t e r e s t , jnd shall thereupon r e c e i v e a full a s s i g n m e n t «nd transfer of the debt and of: the m o r t g a g e and of all such other securi- ! t i e s as e v i d e n c e the i n t e r e s t of the lender, m o r t g a g e e o r . t r u j t c e in .the w i t h i n d e s c r i b e d p r o p e r t y ; but no s u b r o g a t i o n s h a l l i m p i i r the r i g h t of t.he lender, m o r t g a g e e or t r u s t e e to recover the f u l l - a m o u n t of its c l a i a i a g a i n s t t h e b o r r o w e r , m o r t g a g o r o r owner. ' . ' I ' V . • • All the other terms and conditions of the policy to which this endorsement Is a t t a c h e d and of which It Is a part, r e m a i n unchanged which other teams', and conditions Include the' l i m i t f s ) of liability named In the policy and the c o n d i t i o n s of any V a l u e R e p o r t i n g , Full R e p o r t i n g . 'Total Insurance or A v e r a g e Clauses Incorporated t h e r e i n or a t t a c h e d t h e r e t o . . ' •. t.ched to .nd forming . P.,t of Policy NO. ..SAL>.5P.Q19.Z£. ....... of th. .:..!: in.enia!!.!.s..Fund ...Ins. :..Cornpany ....... I>lued ,t jt,..;....S.t;.....TIipiiias,.Y... I. .................... /Itncr. , :i '" ;.. .ANTILLES INSURANCE , INC. ' p. ted...... January. .lo................ • 10 84 "' """" TUT O03 2189 AMENDATORY ENDORSEMENT AS.RESPECTS COVERAGE OUTSIDE THE U.S;- VIRGIN ISLANDS It is agreed that, if the combined Bodily Injury amT Property Damage Liability Limits in the Schedule of this policy exceed $500,000 each occurrence, the Limits are combined into a single limit of liability for both Bodily Injury and Property Damage Liability and are amended.to read as stated below, but only as respect occurrences within the United States of America, Puerto Rico or Canada: $500,000 each'occurrence $500,000 aggregate -'/•• . : . . :';/*' '•• It is further agreed that Section III,.Limits'.of Liabilityj is deleted in its entirety and the following ^ substituted,:therefor: "III. Limits of Liability. ' . Regardless of the number of (1) insureds under this policy, (2) persons or organizations who sustain bodily injury'or'property damage, (3) claims made or suits brought on account of bodily injury or property damage, or (4) automobiles to which this policy applies, the Company/s liability is limited as follows: Single Limit of Liability - The Company's; limit of liability for Bodily Injury and Property Damage combined stated in Paragraph 1. above as applicable to "each occurrence" is the total limit of'the Company's liability for all damages, including damages for care and loss of services, arising out of bodily injury and property damage sustained by one or more persons or organizations as a result of any one occurrence. Subject to the above,provisions respecting "one occurrence" the total liability of the Company for all damages because of bodily-injury and property damage shall not exceed the limit stated in Paragraph 1. !above as "aggregate". • . t For the purposes of determining the limit of the Company's liability, all bodily injury and property damage arising out of continuous or repeated exposure to substantially the same general conditions shall be considered as arising out of one occurrence." SPL 4 (4/83) 2190 ____________slUll____________________(Ed. 1-74) This encf-orscmen.t modifies such insurance as is.afforded by the pro.yis.ions of the policy relating to the follov.'ing: " GARAGE INSURANCE • : LIMITED COVERAGE FOR CERTAIN INSUREDS In consideration of the reduced rate of premium made a p p l i c a b l e to the Garage Liability Insurance, it is agreed that garage customers are not insureds with respect to the automobile hazard except in accordance with the following additional provisions: 1. If there is other v a l i d and collectible insurance, whether primary, excess or contingent, a v a i l a b l e to the garage customer and the limits of such insurance are sufficient to pay damages i n c l u d i n g damages for care and loss of services because of bodily injury or property damage up to the amount of the applicable financial responsibility limit, no damages i n c l u d i n g damages for care and loss of services because of bodily injury, or property damage are col 1ectible under this policy. 2. If there is other v a l i d and collectible insurance a v a i l a b l e to the garage customer, whether primary, excess or contingent, and the limits of such insurance-are insufficient to pay damages including damages for care and loss of services because of'bodily' injury, or property damage up to the amount of the applicable financial responsibility l i m i t , then this insurance shall apply to the excess of damages includ- ing damages for care and loss of services because of bodily injury, or property damage up to such limit. 3. If there is no other v a l i d and collectible insurance, whether primary, excess or contingent, availabllf to the garage, customer, this insurance shall apply but (the amount of damage for care and loss of services because of bodily injury, or property damage payable under this policy shall not exceed the a p p l i c a b l e financial responsibility limit. , \ . 4. As used in this endorsement: ' " a p p l i c a b l e financial responsibility limit" refers to the ,applicable l i m i t of the financial responsibility law of the state where the automobile is p r i n c i p a l l y garaged. "garage customer" means any person w h i l e using and automobile owned, m a i n t a i n e d or used for the purpose of garage operations and furnished or loaned to a customer of the garage or to a prospective purchaser, but does not include (1) an employee, director, stockholder, partner or member of the named insured, or a resident of the same household as the named insured, such employee, director, stockholder, partner or member, or (2)any organization named in Item 2(b) of the person w h i l e using an automobile furnished to organization. declarations and any such named person or This endorsement must be attached to the Change Endorsement when issued after the.policy is written 2191 TERRITORIAL AMENDMENT ENDORSEMENT ' , . ' • - • • . . • . ' • * ' • V t . • •*» -V •'. v • 'r- ' •'' '•'' '' ': • i • • •-. :i'sv',tfi^:?-^ • • ••• ^••$tfti:?!.tf$%X'i*£&i.$ •*• • •••• • • -•.'.ti, :-' ,'\ ,v .'"•'• ^^.'^.-"'Vi' "'''•'•' ••'•'''' -'h Endorsement Effective Forms,a Part of-Policy No. ' Of The Issued To In consideration of the premium charged .for this policy, it .'is under- stood and agreed that '' ' or the any Endorsement .'No: it .the "policy :territory".,:'def inition is amended to read ? ;/>-7v. v; .' II .:' ' *''y '••' '• '-• ; ' .>-/:.-i'-*'7V' •'•' •••• •' -*-' 1'»"'.;- • - •- '' : *' '• 'i ' . " ; • * * • ' - ' . . ' • ! ' - • ' •'•''/ « > r y . means: •ov.v^-'.T^ff'VovV 1'-. s''":'..'•;.''' • ' • • . . • . • ' . •'•-.- • . - • ' '-'.".: -'"V "policy territory v-;;'' :": :.-' ''" .. . (1) the United States of America, its 'territories or ! • possessions and/or British Virgin Islands, or Canada, (2) international'waters or .air/.'space'i'..'provided ;the.;'.,;.' bodily injury or property ..damage! does not occur in •• •- 1'- course of travel or .transportation'to or from1..' other, country, state |ornatioriii.or ;i,v;! •••';V ••'.' (3) anywhere in the world with respect to damages be- cause of bodily injury or property'damage arising out- of a product which was sold for use or consump- tion within.the territory described in paragraph (1) above, provided the original suit for such damages is brought within such territory;"; . .-f' •''..-.:•' -^-Authorized Representative . . , . . •"''•'. .'•'-' '' :..~'*' !*'• '••' 1 1.'';-;V. •?•"'."':'$' • •"•:•'••'•• '•': "' : ' .:"' •• " ' : v*^;^^^ '?:;*-•'• v.-^:^:^^;;-)'';--- ^V^^r^-Wi&rv:. : -J. VK'- V-' .;;^^/^;;••^»•J••v^<^'u:^.vi^^•Ji.;{•^;v l^.>;v^^••>.u':-:*^•••.•5;.^•y. ^- ••.-.-•.^.f-' ,•:. .•v :.v,v'i .•••• ••^-•.'-!/v :ir f : ' ' : : ' 1 > r : i - - ' ' : ' : - '••'- ' i) 1, i '-.• -" •'!-\}'i!\if-"' '.".'••' • :}!':.-,::;-.•, -j ',.'/. .<.•.•/...' -.-• :/' ',-.' ;.>:•";•."'. •'' /- • :^ ' >';• -i'*- -" ;'""^M- *-••'•' ' !'-' "'.ir.';1. . ^U,'-^ •;'.._: ,; . • >>-?W.S-5nr\ife )03 2192 Insert Declarations Page (Part Two) and Coverage Par.t(s) hene so that top edge butts against fold of Contract, and permits policy number to appear through window. ATTACH ENDORSEMENTS, IF ANY, TO TOP BACK OF DECLARATIONS. Integral part of or permanently attached to such vehicle: power cranes, shovels, loaders, diggers and drills; concrete mixers (other than the mix-in-transit type); graders, scrapers, rollers and other road. construction or repair equipment; air- compressors, pumps and generators, including spraying, welding and building sleanlng equipment; and geophysical exploration and well servicing equipment; " "named insured" means the person or organization named in Item 1. of the declarations of this policy; * "named Insured'* products" means goods or products manufactured, sold, handled or distributed by the named insured or by others trading under his name, including any container thereof (other than a vehicle), but "named Insured'! products" shall not Include a vending machine or any property other than such container, rented to or located for use of others but not sold; "occurrence" means an accident, Including continuous or repeated exposure to conditions, which results in bodily Injury or property damage neither expected nor intended from the standpoint of the insured; "policy territory" means: (1) the United States and/or British Virgin Islands, or (2) international waters or air space, provided the bodily Injury or property damage does not occur in the course of travel or transportation to or from any other country, state or nation. "products hazard" includes bodily Injury and property damage arising out of Ihe named Insured's products or reliance upon a representation or warranty made at any time with respect thereto, but only If the bodily Injury or property damage occurs away from premises owned by or rented to the named Insured and after physical possession of such products has been relinquished to others; "property damage" means (1) physical injury to or destruction of tangible property which occurs during the policy period, including the loss of use thereof at any time resulting therefrom, or (2) loss of use of tangible property which has not been physically injured or destroyed provided such loss of use Is caused by an occurrence during the policy period; "underground property damage hazard" Includes underground property damage as defined herein and property damage to any other property at any time resulting therefrom. "Underground properly damage means property damage to wires, conduits, pipes, mains, sewers, tanks, tunnels, any similar property, and any apparatus In connection therewith, beneath the surface of the ground or water, caused by and occurring during the use of mechanical equipment for the purpose of grading land, paving, excavating, drilling, borrowing, filling, back-filling or pile . . |ciu. driving. The underground property damage hazard does not Include property damage ions performed for the named Insured by Independent con- within the completed operations hazard, or (3) for which (1) arising out of operations performed for the named Insured by Independent con- tractors, or (2) Included within the completed operations hazard, liability Is assumed by the Insured under an Incidental contract. 1. Premium. All premiums for this policy shall be computed In accordance with the company's rules, rates, rating plans, premiums and minimum premiums applicable to the Insurance afforded herein. Premium designated in this policy as "advance premium" is a deposit premium which shall be credited to the amount of the earned premium due at the , of the policy period. At the close of each period (or part thereof terminating irtfh the end of the policy period) designated in the declarations as the audit period the earned premium shall be computed for such period and, upon notice thereof to the named Insured, shall become due and payable. If the total earned ^premium for the policy period is less than the premium previously paid, the com- pany shall return to the named Insured the unearned portion paid by the named Insured. The named Insured shall maintain records of such information as Is necessary for premium computation, and shall send copies of such records to the company at the end of the policy period and at such times during the policy period as the company may direct. 2- Inspection and Audit. The company shall be permitted but not obligated to Inspect the named insured'* property and operations at any time. Neither Ihe com- pany's right to make inspections nor the making thereof nor any report thereon shall constitute an undertaking, on behalf of or for the benefit of the named Insured or others, to determine or warrant that such property or operations are safe or healthful, or are in compliance with any law, rule or regulation. The company may examine and audit the named Insured's books and records at any time during the policy period and extensions thereof and within three years after the final termination of this policy, as far as they relate to the subject matter of this insurance. 3- Financial Responsibility Laws. When this policy is certified as proof of financial responsibility for the future under the provisions of any motor vehicle financial responsibility law, such insurance as Is afforded by this policy for bodily Injury liability or for property damage liability shall comply with the provisions of such law to the extent or the coverage and limits of liability required by such law. The Insured agrees to reimburse the company for any payment made by the com- pany which it would not have been obligated to make under the terms of this policy except for the agreement contained in this paragraph. 4. Insured's Duties in the Event of Occurrence, Claim or Suit. (a) In the event of an occurrence, written notice containing particulars sufficient to identify the Insured and also reasonably obtainable Information with respect to the time, place and circumstances thereof, and the names and addresses of the injured and of available witnesses, shall be given by or for the insured to the company or any of its authorized agents as soon as practicable. ~~~ (b) If claim is made or suit is brought against the Insured, the Insured shall Im- mediately forward to the company every demand, notice, summons or other process received by him or his representative. (c) The insured shall cooperate with the company and, upon the company's request, assist in making settlements, In the conduct of suits and In enforcing any right of contribution or indemnity against any person or organization who may be liable to the insured because of injury or damage with respect to which insurance is afforded under this policy; and Ihe insured shall attend hearings and trials and assist in securing and giving evidence and obtaining ' :,....... Tl,» InrMr.rf rhall not Went 3t tllS OWD COSt, voluntarily make any payment, assume any obligation or incur any expense other than for first aid to others at the time of accident. 5- Action Against Company. No action shall lie against the company unless, as a condition precedent thereto, there shall have been full compliance with all of the terms of this policy, nor until the amount of the Insured's obligation to pay shall have been finally determined either by judgment against the insured after actual trial or by written agreement of the Insured, the claimant and the company. Any person or organization or the legal representative thereof who has secured such judgment or written agreement shall thereafter be entitled to recover under this policy to the extent of the insurance afforded by this policy. No person or organization shall have any right under this policy to join the company as a parly to any action against the insured to determine the Insured'! liability, nor shall the company be impleaded by the Insured or his legal representative. Bankruptcy or Insolvency of the Insured or of the insured'! estate shall not relieve the company of any of its obligations hereunder. 0- Other Insurance. The insurance afforded by this policy is primary Insurance, except when staled to apply in excess of or contingent upon the absence of other Insurance. When this insurance Is primary and the insured has other insurance which is staled lo be applicable to the loss on an excess or contingent basis, the amount of the company's liability under this policy shall not be reduced by the existence of such other Insurance. When both this insurance and other Insurance apply to the loss on the same basis, whether primary, excess or contingent, the company shall not be liable under this policy for a greater proportion of the loss than that stated in the applicable contribution provision below: (a) Contribution by Equal Shares. If all of such other valid and collectible insur ance provides for contribution bv equal shares, (he company shall not be liable for a greater proportion of such loss than would be payable if eacl Insurer contributes an equal share until the share of each Insurer equal the lowest applicable limit of liability under any one policy or the full amoun of the loss Is paid, and with respect to any amount of loss not so paid th< remaining Insurers then continue to contribute equal shares of the remainin, amount of the loss until each such insurer has paid its limit in full or the ful amount of the loss Is paid. (b) Contribution by Limits. If any of such other Insurance does not provide fo contribution by equal shares, the company shall not be liable for a greate proportion of such loss than the applicable limit of liability under this polic for such loss bears to the total applicable limit of liability of all valid an collectible Insurance against such loss. 7- Subrogation. In the event of any payment under this policy, the compan shall be subrogaled to all the Insured's rights of recovery therefor against an person or organization and the insured shall execute and deliver Instruments an papers and do whatever else is necessary lo secure such rights. The Insured sha do nothing after loss to prejudice such rights. 8- Changes. Notice to any agent or knowledge possessed by any agent or b any other person shall not effect a waiver or a change in any part of this polic or estop the company from asserting any right under the terms j)f this policy; nc shall the terms of this policy be waived or changed, except by endorsement issued I form a part of this policy, signed by a duly authorized representative of Ihe compan 9- Assignment Assignment of Interest under this policy shall not bind II company until Its consent Is endorsed hereon; If, however, the named Insured slu TUT die, s«ch Insurance as Is afforded by this policy shall apply (1) to the named • -Insurer's legal representative, as the named Insured, hit only while acting within the scope of fts duties as such, and (2) with respect to the property of the named Insured, to the person having proper temporary custody thereof, as Insured, but only until the appointment and qualification of the legal representative. Three Year Policy. If this policy is Issued for a period of three years any of the company's liability stated In this policy as "aggregate" shall apply >^ walely to each consecutive annual period thereof. 11. Cancellation. This policy may be cancelled by the named Insured by surrender thereof to the company or any of its authorized agents or by mailing to the company written notice stating when thereafter the cancellation shall be effective. This policy may be cancelled by the company by mailing to the named Insured at the address shown in this policy, written notice stating when not less than ten days thereafter such cancellation shall be effective. The mailing of notice as aforesaid shall be sufficient proof of notice. The time of surrender or the effective date'•••• and hour of cancellation stated In the notice shall become the end of the policy aij period. DC!;., -' such written notice either by the named Insured or by theSfe company shall be equivalent to mailing. ''• ''•-/.'••'VrSj? If the named insured cancels, earned premium shall be computed In accorHance'^f with the customary short rate table and procedure. If the company cancels, earned 'i premium shall be computed pro rata. Premium adjustment may be made either at $ the time cancellation Is effected or as soon as practicable alter cancellation be-'jT comes effective, but payment or tender of unearned premium Is not a condition of cancellation. . ; ;i| 12- Declarations. By acceptance of this policy, the named Insured agrees that U* the statements In (he declarations are his agreements and representations, that v:;l this policy Is issued in reliance upon the truth of such representations and that this policy embodies all agreements existing between himself and the company or any of its agents relating to this insurance. IN WITNESS WHEREOF, the company has caused this policy to be signed by its duly authorized representative. This endorsement modifies the provisions of the policy relating to ALL AUTOMOBILE LIABILITY, GENERAL LIABILITY AND MEDICAL PAYMENTS INSURANCE OTHER THAN COMPREHENSIVE PERSONAL AND FARMER'S COMPREHENSIVE PERSONAL INSURANCE. Nuclea*. JliaJtilUif. CndaMe#te*U~ Stood. It is agreed that: I. The policy does not apply: A. Under any Liability Coverage, to bodily injury or property damage (1) with respect to which an Insured under the policy is also an insured under a nuclear energy liability policy issued by Nuclear Energy Liability Insurance Association, Mutual Atomic Energy Liability Underwriters or Nuclear Insurance Association of Canada, or would be an insured under any such policy but for its termination upon exhaustion of its limit of liability; or (2) resulting from the hazardous properties of nuclear material and with respect to which (a) any person or organization Is required to maintain financial protection pursuant to the Atomic Energy Act of 1954, or any law amendatory thereof, or (b) the Insured is, or had this policy not been issued would be, entitled to indemnity from the ,Uniled States of America, or any agency thereof, under any agreement entered into by the United States of America, or any agency thereof, with any person or organization. B. Under any Medical Payments Coverage, or under any Supplementary Pay- ments provision relating to first aid, to expenses incurred with respect to bodily injury resulting from the hazardous properties of nuclear material and arising out of the operation of a nuclear facility by any person or organization. C. Under any Liability Coverage, to bodily injury or property damage resulting from the hazardous properties of nuclear material, if (1) the nuclear material (a) is at any nuclear facility owned by, or operated by or on behalf of, an insured or (b) has been discharged or dispersed therefrom,- • (2) the nuclear material is contained in spent fuel or waste at any time possessed, handled, used, processed, stored, transported or disposed, of by or on behalf of an insured; or (3) the bodily injury or property damage arises out of the furnishing by an insured of services, materials, parts or equipment In connection with the planning, construction, maintenance, operation or use of. any nuclear facility. . As used In this endorsement: "hazardous properties" include radioactive, toxic or explosive properties; "nuclear material" means source material, special nuclear material or byproduct material; "source material", "special nuclear material", and "byproduct material" have the meanings given them in the Atomic Energy Act of 1954 or in any law amendatory thereof; "spent fuel" means any fuel element or (uel component, solid or liquid, which • has been used or exposed to radiation in a nuclear reactor; "waste" means any waste material (1) containing byproduct material and (2) re- sulting from the operation by any person or organization of any nuclear facility included within the definition of nuclear facility under paragraph (a) or (b) thereof; ' ' "nuclear facility" means (a) any nuclear reactor, . (b) any equipment or device designed or used lor (11 separating the isotopes of Uranium or plulonium, (2) processing or utilizing spent fuel, or (3) handling, processing or packaging waste, (c) any equipment or device used for the processing, fabricating or alloying of special nuclear material il at any time the total amount of such material in the custody of the insured at the premises where such . equipment or device is located consists of or contains more than 25 grams of plutonium or uranium 233 or any combination thereof, or more than 250 grams of uranium 235, (d) any structure, basin, excavation, premises or place prepared or used tor the storage or disposal of waste, and includes the site on which any of the.foregoing is located, all operations conducted on such site and all premises used for such operations; "nuclear reactor" means any apparatus designed or used to-sustain nuclear fission in a self-supporting chain reaction or to contain a critical mass ol fissionable material; "properly damage" includes all forms of radioactive contamination ol property OO3 2194 (A stock insurance Company, herein called the Company) consideration of the payment of the premium, in reliance upon the statements In the declarations made a part hereof and subject to all of the terms of this policy, with the named Insured as follows: The company will pay, in addition to the applicable limit of liability: (a) all expenses incurred by the company, all costs taxed against the Insured in any suit defended by the company and all interest on the entire amount ol any judgment therein which accrues after entry of the judgment and before the com- pany has paid or tendered or deposited In court that part of the judgment which does not exceed the limit of the company's liability thereon; (b) premiums on appeal bonds required in any such suit, premiums on bonds to release attachments in any such suit for an amount not in excess of the applicable limit of liability of this policy, and the cost of bail bonds required of the insured When used in this policy (including endorsements forming a part hereof): "automobile" means a land motor vehicle, trailer or semitrailer designed for : travel on public roads (including any machinery or apparatus attached thereto), ; but does not include mobile equipment; i "bodily Injury" means bodily injury, sickness or disease sustained by any person which occurs during the policy period, including death at any time resulting therefrom; "collapse hazard" includes "structural properly damage" as defined herein and : property damage to any other property at any time resulting therefrom. "Structural property damage" means the collapse of or structural injury to any building or structure due to (1) grading of land, excavating, borrowing, filling, back-filling, tunnelling, pile driving, cofferdam work or caisson work or (2) moving, shoring, underpinning, raising or demolition of any building or structure or removal or re- building of any structural support thereof. The collapse hazard does not Include property damage (1) arising out of operations performed for the named Insured by Independent contractors, or (2) included within the completed operations hazard or the underground property damage hazard, or (3) for which liability Is assumed by the Insured under an Incidental contract; "completed operations hazard" includes bodily injury and property damage arising x .t of operations or reliance upon » representation or warranty made at any time —tilth respect thereto, but only if the bodily Injury or property damage occurs after such operations have been completed or abandoned and occurs away from premises owned by or rented to the named Insured. "Operations" Include materials, parts or equipment furnished in connection therewith. Operations shall be deemed com- pleted at the earliest of the following times: (1) when all operations to be performed by or on behalf of the named Insured under the contract have been completed, , (2) when all operations to be performed by or on behalf of the named Insured at the site of the operations have been completed, or (3) when the portion of ,the work out of which the Injury or damage arises has been put to Its Intended use by any person or organization other than another contractor or subcontractor engaged In performing operations for a principal as a part of the same project. Operations which may require further service or maintenance work, or correc- tion, repair or replacement because of any defect or deficiency, but which are otherwise complete, shall be deemed completed. The completed operations hazard does not Include bodily Injury or property dam- age arising out of because of accident or traffic law violation arising out of the use of any vehicle to which this policy applies, not to exceed $250 per bail bond, but the company shall have no obligation to apply for or furnish any such bonds; (c) expenses Incurred by the Insured for first aid to others at the time of an accident, for bodily Injury to which this policy applies; (d) reasonable expenses Incurred by the Insured at the company's request in assisting the company in the investigation or defense of any claim or suit, including actual loss of earnings not to exceed $25 per day. (a) operations in connection with the transportation of property, unless the bodily Injury or property damage arises out of a condition in or on a vehicle created by the loading or unloading thereof, <i (b) the existence of tools, uninstalled equipment or abandoned or unused materials, or / (c) operations for which the classification stated In the policy or In the company's manual specifies "including completed operations' 1,- "elevator" means any hoisting or lowering device,to connect floors or landings, whether or not In service, and all appliances thereof Including any car, platform, shaft, holstway, stairway, runway, power equipment! and machinery; but does not Include an automobile servicing hoist, or a hoist without a platform outside a build ing If without mechanical power or If not attached .to building walls, or a hod or material hoist used In alteration, construction or; demolition operations, or an inclined conveyor used exclusively for carrying property or a dumbwaiter used exclusively for carrying property and having a compartment height not exceeding four feet; ' "explosion hazard" Includes property damage arising out of blasting or ex- plosion. The explosion hazard does not Include property damage (1) arising out ol the explosion of air or steam vessels, piping under pressure, prime movers, ma- chinery or power transmitting equipment, or (2) arising out of operations performed lor the named Insured by independent contractors, or (3) Included within the completed operations hazard or the underground property damage hazard, or (4) for which liability is assumed by the Insured under an Incidental contract; "incidental contract" means any written (1) lease of premises, (2) easemenl agreement, except in connection with construction or demolition operations on 01 adjacent to a railroad, (3) undertaking to Indemnify a municipality required b) municipal ordinance, except In connection with work for the municipality, (<\. sidetrack agreement, or (5) elevator maintenance agreement; "Insured" means any person or organization qualifying as an Insured in the "Persons Insured" provision of the applicable insurance coverage. The Insurance afforded applies separately to each Insured against whom claim is made or suit is brought, except with respect to the limits of the company's liability; "mobile equipment" means a land vehicle (including any machinery or apparatus attached thereto), whether or not self-propelled, (1) not subject to motor vehicle registration, or (2) maintained for use exclusively on premises owned bv or rentec to the named Insured, Including the ways immediately adjoining, or (3) designer for use principally off public roads, or (4) designed or maintained for the sole purpose of affording mobility to equipment of the following types forming ar fissionable material; "property damage" includes all forms of radioactive c GENERAL AUTOMOBIL LIABILITY POLICY PROVISIONS PART ONE INK ANTILLES INSURANCE, INC. PEOPLES' BANK BLDG. BOX 2698 ST. THOMAS. VI OOB01 774-2700 \ / -POLICY NUMBER 20-51- 0.00031, __ : RAMSAY MOTORS^' ET AL ' ' ' J 405 Anna's Retreat J St. Thomas, V.I. 00802 JC . . . • • - • °j ruinuarv i.^iybb. TO= January 1, iy»b ANTILLtS.1IlNSURANCk,MNt. . . . . . . . . p.O. Box ,2698,,, St. Thomas;" V.I. '00801 ' ^ -~- NAME • OF ' INSURED EXPIRES PRODUCER ADDRESS BASIC AUTOMOBILE LIABILITY AND PHYSICAL DAMAGE POLICY (W00175 INSURANCE COMPANY OF NORTH AMERICA PHILADELPHIA, PENNSYLVANIA Form No. A1002J Rev. 8-1-74 TUT 003 2196 Insurance Compan y ui»• Philadelphia. Pennsylvania 19101 (A stock insurance company, herein called the company) "Trf consideration of the payment of the premium, in reliance upon the statements in the declarations made a part hereof and subject to all of the terms ol this policy, agrees with the named insured as follows: ( . • , , • • . , , : ' . ' ' . . • !;; SECTION A—BASIC AUTOMOBILE LIABILITY INSURANCE ",(g) to'bodily Injury or property damage arising out of the discharge, dispersal, re- lease or escape of smoke, vapors, soot, fumes, acids, alkalis, toxic chemicals, liquids or gases, waste materials or other irritants, contaminants or pollutants Into or upon land, the atmosphere or any watercourse or body of water; but this exclusion does not apply If such discharge, dispersal, release or escape Is sudden and accidental. I.'COVERAGE A—BODILY INJURY LIABILITY ' > ' ! ':' '1 i .•COVERAGE B—PROPERTY DAMAGE LIABILITY The' company will pay on behalf of the Insured all sums which the Insured shall become legally obligated to pay as damages because ol ; * bodily Injury or ;•? > property damage to which this insurance applies, caused by an occurrence and arising out of the ownership, maintenance or use, including loading and unloading, for Ihe purposes staled as applicable thereto in the declarations, of an owned aulomoblle or of a temporary substitute automobile, and the company shall have the right and duty to defend any suit against the Insured seeking damages on account of such bodily injury or property damage, even if any of the allegations of the suit are groundless, false or fraudulent, and may make such investigation and settlement of any claim or suit as it deems expedient, but the company shall not be obligated to pay any . . .... .... J-...J .... ...u a(ljr ^t applicable limit of the company's of judgments or setllemenls. Exclusions '• ' ' ' . ' ' . ' ' ' . ' . ' ' ' "''.' .'."'' This Insurance does nol apply: . (a) to liability assumed by Ihe Insured under any contract or agreement; (b) to any obligation for which the insured or any carrier as his Insurer may be held ' •, liable under any workmen's compensation, unemployment compensation or dis- '•; ability benefits law, or under any similar law; Ic) II. SUPPLEMENTARY PAYMENTS The company will pay, in addition to the applicable limit ol liability: (a) all expenses incurred by the company, all costs taxed against the insured in any suit defended by the company and all interest on the entire amount of any judgment therein which accrues after entry of the judgment and before the company has paid or tendered Of deposited in court that part of the judgment .which does not exceed the limit of the company's liability thereon; (b) premiums on appeal bonds required in any such suit, premiums on bonds Io " --release attachments In any such suit lor an amount not In excess of the ap >;:''of<any vehicle to which this policy applies, not to exceed $250 per bail bond, but the company shall have no obligation to apply lor or to furnish any such bonds; (c) expenses incurred by the Insured for first aid to others at the time ol an acci dent,:lor.bodily Injury to which this policy applies; (d) reasonable e'ipenses Incurred by, the-Insured at the company's request ii assisting the i company, in the .Investigation, or defense of any claim or suit ^ ;^ (1) property owned or being transported byithe Insured, or < . . . >S (2) properly rented to or in the care, custody or control of the Insured, or as ii-. 2) properly rented to or in the care, custody or control ol the Insured, or as /.) aiw ^tr' n««i'n whii. ii<ini> » nwn.H iutnmnhn; n, , •.».,. III to which Ihe insured is for any purpose exercising physical control other', (cl ^.mobile'will1 the^^er^lsPoh of The narSld Insured Provided •-• than property damage to a residence or private garage by a private pas- .c oraiinn «r (it h» ic not nn«niinn\:h;« nih.r *,.i,,»i ,,',. <k...«t ;„! senger automobile covered by this insurance; ' :/,, ^JV. v.sr<., ^^ ^, i ; acii£ci auiuiiiuunc uuvcicu uj un> mauioiiiG, . ..« , .. . ,, ( ,, .^.i. .1 ; • (e) to bodily Injury or property damage due to war, whether or not declared, civil • i.k war, insurrection, rebellion or revolution or to any act or 'condition Incident • W to any of the foregoing, with respect to expenses for first aid under, the Sup- ' Q plementary Payments provision; • I (ft io bodily Injury or property damage arising out of the ownership, maintenance, i'j operation, use, loading or unloading of any owned automoblli or temporary !M! substitute -automobile while such automoblli Is being used as.a public or livery', '; conveyance, unless such use Is specifically declared and described In the ••r declarations; '. temporary substltu * his actual o is within t . . ch permission, but with respect to bodily Injury or property dama arising out of the loading or unloading thereof, such other person shall be Insured only II he 1$:',!..,•. ,'. ;,'- \ (1) a lessee or borrower of the automobile, or (2) an employee of the named Insured or of such lessee or borrower; : None of the following is an ihwedV (i) any person while engaged in the business of his employer with respect I : ' BASIC AUTOMOBILE LIABIl I AND '. i PHYSICAL DAMAG ! •' 'POLICY 'PROVISIONS : , PART ONE (Page-1) i • • • ' » v < Ips^rt^Declprations page (Part Two) here so that top edge1 butts against fold of Contract, and permits policy number to appear through window. ATTACH ENDORSEMENTS,, IF AN1!, . O TOP BACK OF DECLARATIONS. i -i;»i; . |- ,|-. • '.' "( • ' '!• •• ''.i bodily Injury to any lellow employee ol such person injured In the course of his •• employment; ' ' . " . • . :; !:'"•': i.'.^::'-1. :''~" '• ' '•'• ";•• ; ••'". JM'';I "' (ii) except as stated under lb) above, 1 the owner ol a temporary substitute 'auto- mobile, or any agent or employee of such.owner; i ,(, .. .. ,. ,' r, ",( (iii) any person or organization, other than the named Insured, with respect to:,., :; (1) a motor vehicle while used with any trailer owned or hired by such person '•: .:'or organization and not covered by like Insurance in the company, (except '• ! a trailer designed for-use with a four wheel private passenger automobile and not being used lor business purposes with another type motor vehicle); or • ;; (2),a trailer while used with any motor vehicle owned or hired by such person or organization and not covered by like Insurance in the company; < (iv)any person while'employed in or otherwise engaged In duties In .connection with an automobile business, other than an automobile business operated by the named insured. IV. LIMITS .OF LIABILITY. , . . . . . . . . . . . . • ' ' : gardless of the number of (1) insureds under this policy, (2) persons or orga- _ .zations who sustain bodily Injury or property damage, (3) claims made or suits brought on account of bodily injury or property damage or (4) automobiles to, which this policy applies, the company's'liability Is limited as follows: Coverage A—The limit of bodily injury'liability stated In the declarations as ap- plicable to ."each person" is the limit of the company's liability for all damages; including damages for care and loss of services, because of bodily Injury sus- tained by one person as the result of any one occurrence; but subject to the above provision respecting "each person", the total.liability of. the company lor all damages, including damages for care and loss of, services,.because of bodily injury sustained by two or more persons as.the result of any one occurrence shall not exceed the limit of bodily injury liability stated in the declarations as applicable to "each occurrence". , -; .1 ,', .; ,i .:,;i ,..•'•,,. • '-,, ,.,. ,,;.' „ , .....,,.... _, '>^?;'i; Coverage B—The total liability of the company for'all damages because of. all property damage sustained by one or more persons or organizations' as the result of any one occurrence shall not exceed the limit of property damage liability stated in the declarations as applicable to "each occurrence". , ... ; of or permanently attached to such vehicle: power cranes, shovels, loaders, diggers and drills;'concrete)mixers (other than the mix-ln-transit type)) graders, scrapers, rollers,and, other.,road construction or repair, equipment; air-compressors, pumps and generators, including spraying, welding arid building cleaning equipment; and Coverages' A and B—For the purpose of determining the limit of the' company's' liability, all bodily injury and property damage arising out of continuous'or repeated exposure-to substantially the same general conditions shall be considered as aris- ing out of one occurrence. V. POLICY TERRITORY This insurance applies only to bodily Injury or property damage which occurs within the policy territory. ' ^-.,:•••.>.•••.••.••• •••.•• ... ;<•,:*.•••> VI. DEFINITIONS ' :" " :"l' ' "" ":'".; - '•' '"' ' • '. • ."'.'i • •• ; r. : • •• ; ' . ' • • . • • , • ! • • i When used in this policy (including endorsements: forming a uart hereof): . V |i;..i,i_ "automobile" means a land motor vehicle, trailer or semi-trailer designed for travel on public roads (including any machinery or apparatus attached thereto), but does not include mobile equipment;,- , ,., ,-. . ,,, . :.,,,..., >,.,, ,,.,-, "bodily injury" means bodily Injury, sickness or disease sustained by any person which occurs during the policy period, Including death at any time resulting therefrom; v.- i </,•;• '•> :: r ' ', • < ' : ' . ' • ' • . ' r :, "insured" means any person or organization qualifying as an insured in the "Per- sons Insured" provision of the applicable Insurance coverage. The Insurance af- forded applies separately to each insured against whom claim is made or suit Is brought, except with respect to the limits ol the company's liability; • •• . • ;T. "mobile equipment" means a land vehicle (including any machinery or apparatus attached thereto), whether or not self-propelled, (!) not subject to motor vehicle registration, or (2) maintained for use. exclusively on premises owned by or rented to the named insured, including trie ways immediately adjoining, or (3) designed .for use principally off public roads, or (4) designed or maintained for the sole purpose of affording mobility to equipment, of the following types forming an Integral part geophyslcar exploration arid well servicing equipment; "named lnsured",j,means the person or organization named In '' ' Item 1. of.the decla- ''occurrence"; means an accident, including continuous or repeated exposure to con- ditions, ;whlch results In bodily Injury or property damage neither expected nor In- tended , from .the standpoint of the Insured; "policy .'territory". means: . - •'• : - V . ' - ! ' ' >•••(.•'•: ' y (1) the 1! United States of America, Its territories ;or possessions, or Canada, or (2) international waters or air space, provided the bodily Injury or property damage .r does. not occur In the course of travel or transportation to or Irom any other 1,1 ; country, state or nation; • . • • ' • '•,. •'•'• :;\.-< ..• which occurs during the policy period, including the loss of use thereof at any lime resulting therefrom, or (2) loss of use of tangible property which has not been physically Injured or destroyed provided such loss of use is caused by an occur- rence,during .the,policy period. VII. ADDITIONAL DEFINITIONS '|i> (Automobile Liability Insurance) :. •. ., . When,used In reference to,this insurance (including endorsements forming a part of the policy): "automobile business" means the business or occupation of selling, repairing, ser- vicing, stoiing or'parklng automobiles; "bwne'd automobile".means either: .. '"'''..,' , . (a) an.automobile which is owned by the named Insured and described in the dec- ' laraliohs; or ' . ' " ' • t ' ' . " ' , ' (b) an',automobile ownership of which Is newly acquired by the named Insured ;..( during, the! policy period, provided . . .... . ... , ', .(i), it replaces an owned automobile as defined in (a) above, or, (ii) the company insures all' automobiles owned by the named Insured on the '. : i date of such acquisition and the named Insured notifies the company within , , '• ' 30 days thereafter of his election to make this and no other policy issued :by the company applicable to such automobile and pays any additional pre ; •' mium required therefor; and "owned automobile" includes a trailer not described in this policy, if designer for use With a four wheel private passenger automobile and if not being used foi business purposes with another:,type automobile; "private passenger automobile" means a private passenger or station wagon typt automobile and any automobile the purpose of use of which is stated in the declara lions as pleasure and business; ... • ,.,.;,.. "temporaf/'substilule automobile" means an automobile not owned by the namei Insured 'or-'any resident of'the same household,"while temporally used with (hi permission, of. the owner as a substitute for an owned automobile when withdraw: from notmal use'for servicing or repair or because of its breakdown, loss or dc •;StrUClion; ..Y^yMjM i • ,t j i . - . q . . r,- •• "trailer" includes semi-trailer but does not include mobile equipment; and as to "purposed) of use": ."commercial" means use principally in the business occupation of the named Ir sured as.stated,in the,declarations including occasional use for personal, pleasure family and other business purposes; ' , , , . . . . . . . . •"pleasure'and business" means'personal, pleasure, family and business use. '•: ••'.•', i| .'.•:• i .:,• .•/ T::: •: : ' • , [ ' (:' • *•••<•• .VIII; ADDITIONAL CONDITIONS ; •. • ; ir; • A!;.0ther Insurance—Temporary Substitute and Newly Acquired Automobiles .With respect to a temporary substitute automobile, this. Insurance shall be excess insurance ovj; jn> u..,er valid and collectible insurance ".vailable to the Insured. With respect to an'owned automobile ownership ol which Is newly acquired by the named insured during the policy period and not described In the declarations, this i""'rance shall not apply if any other valid and collectible Insurance is available to imed insured. • • ^_..Jt of State Insurance If, under the provisions of the motor vehicle financial responsibility law or the motor vehicle compulsory insurance law or any similar law of any state or province, a non-resiQent is icuuueu m ...ai,,,..,,,.,.„..._..., of a motor vehicle In such state or province and such insurance requirements *n! greater than the Insurance provided by the policy, the limits of the company's lia- bility and kinds of coverage afforded by the policy shall be as set forth In such law, In lieu of the insurance otherwise provided by the policy, but only to the extent required by such law and only with respect to the operation or use of a motor ve- hicle In such state or province; provided that the Insurance under this provision shall be reduced to the extent that there Is other valid and collectible Insurance under this or any other motor vehicle Insurance policy. In no event shall any person be entitled to receive duplicate payments for the same elements ol loss. SECTION B—AUTOMOBILE MEDJCAL PAYMENTS INSURANCE I. COVERAGE C—AUTOMOBILE MEDICAL PAYMENTS The company will pay all reasonable medical expenses incurred within one year from the date of the accident: . . . • . ,;i Division 1. to or for each person who sustains bodily Injury, caused by acci- dent, while occupying a designated automobile which Is being used by a person for whom bodily Injury liability Insurance Is af- forded under this policy with respect to such use; • Division 2. to or for each Insured who sustains bodily Injury, caused by acci- dent, while occupying or, while a pedestrian, through being struck by a highway vehicle. Exclusions This insurance does not apply: . . ... (a) to bodily injury to any person or insured while employed or otherwise engaged in duties in connection with an automobile business, if benefits therefor are In whole or in part either payable or required to be provided under any workmen's compensation law; . . . . . . Ib) to bodily Injury due to war, whether or not declared, civil war, insurrection, re- bellion or revolution, or to any act or condition Incident to any of the foregoing; (c) under Division 1, to bodily injury to any employee of the named Insured arising out of and in the course of employment by the named Insured, but this ex- clusion does not apply to any such bodily Injury arising out of and in the course of domestic employment by the named Insured unless benefits therefor are in . whole or in part either payable or required to be provided under any workmen's compensation law; • . • • • '-<) under Division 2, to bodily Injury sustained while occupying a highway vehicle . owned by any insured, or furnished for the regular use of any Insured by any < _ person or organization other than the named insured. • • ' ; II. PERSONS INSURED—DIVISION 2.' •' Each of the following is an insured under this Insurance to.the extent set forth below: (a) any person designated as Insured in the schedule; (b) while residents of the same household as such designated person, his spouse and the relatives of either; and if such designated person shall die, any person who was an Insured at the time of such death shall continue to be an insured. ' ' . III. LIMIT OF LIABILITY . ,>' . • '- , ^ ; ; ' Regardless of the number of (1) persons or organizations who are Insured: under > this policy, (2) persons who sustain bodily Injury, (3) claims made or suits brought - on account of bodily Injury, or (4) designated automobiles to which this policy ap- plies, the limit of liability for medical payments stated In the declarations as appli- cable to "each person" is the limit of the company's liability for all expenses In- curred by or on behalf of each person who sustains bodily Injury as the result of. any one accident. '" .' . . . When more than one medical payments coverage afforded by this policy applies to the loss, the company shall not be liable for more than the amount of the highest applicable limit of liability. . • • : IV. ADDITIONAL DEFINITIONS The additional definitions applicable to automobile bodily Injury liability Insurance also apply to this insurance; and when used In reference to this Insurance (Including endorsements forming a part.of the policy): : "designated automobile" means an automobile designated in the schedule and In- cludes: . • • • : • . . . ' • • (a) an automobile not owned by the named Insured while temporarily used as a sub- . . stitute for an owned automobile designated In the schedule when withdrawn from .'.' normal use for servicing or repair or because of Its breakdown, loss or destruc- tion; a n d . ' . ! . • • . . (b) a trailer designed for use with a private passenger automobile, if not being used for business purposes with another type automobile and If not a home, 1 office, store, display or passenger trailer; ' "highway .vehicle" means a land motor vehicle or trailer other than (a) a farm type tractor or other equipment designed for use principally off public roads, while not upon public roads, . . (b) a vehicle operated on rails or crawler-treads, or (c) a vehicle while located for use as a residence or premises; • "medical expense" means expenses for necessary medical, surgical, x-ray and dental services, Including prosthetic devices, and necessary ambulance, hospital, profes- sional nursing and funeral services; "occupying" means In or upon or entering Into or alighting from. V. POUCY PERIOD; TERRITORY . -. • ' This Insurance applies only to accidents which occur during the policy period within the •policy,territory. • . yi'./ADDITIONAL CONDITIONS 'A. . Medical Reports; Proof and Payment of Claim As soon as practicable the Injured person or someone on his behalf shall give to the company written proof of claim, under oath If required, and shall, after each request from the company, execute authorization to enable the company to obtain medical reports and copies of records. The Injured person shall submit to physical examination by physicians selected by the company when and as often as the com- pany rn.ay reasonably require. The company may pay the injured person or any person or. organization rendering the services and such payment shall reduce the amount1 payable hereunder for such injury. Payment hereunder shall not constitute an admission of liability of any person or, except hereunder, ol the company. B. i Excess Insurance; .''••• '••. ,.:<•• ', • Except with respect to an owned automobile, ;the Insurance under Division 1 shall be excess'Insurance over any other valid and collectible automobile medical pay- ments, or automobile medical expense Insurance. The insurance'under Division 2 shall be excess Insurance over any other valid and collectible automobile medical payments or automobile medical expense Insurance available to'thei'lnsured under any other policy. C. , Non-Applicability of!. Subrogation Condition The Subrogation Condition does not apply to the Automobile Medical Payments Coverage. •• ' ; • . . • • • SECTION C—UNINSURED MOTORISTS INSURANCE I. COVERAGE D—UNINSURED MOTORISTS (Damages for Bodily Injury) The company will pay all sums which the Insured or his legal representative shall be legally entitled to recover as damages from the owner or operator of an unin- sured highway vehicle because of bodily Injury sustained by the Insured, caused by accident and arising out of the ownership, maintenance or use of such uninsured highway vehicle; provided, for the purposes of this coverage, determination as to whether the insured or such representative is legally entitled to recover such dam- ages, and if so the amount thereof, shall be made by agreement between the - Insured or such representative and the company or, if they fall to agree, by arbitration. No judgment against any person or organization alleged to be legally responsible for tne bodily injury shall be conclusive, as between the Insured and the company, of the issues of liability of such person or organization or of the amount of dam- .ages to which the Insured is legally entitled unless such judgment Is entered pursuant to an action prosecuted by the Insured with the written consent of the company.. • : . . ,, Exclusions . • ' . . . This Insurance does not apply: (a) to bodily Injury to an Insured with respect to which such Insured, his legal representative or any person entitled to payment under this Insurance shall, without written consent of the company, make any settlement with any person on organization who may be legally liable therefor; (b) to bodily Injury to an Insured while occupying a highway vehicle (other than an Insured highway vehicle) owned by the named Insured, any designated Insuref or any relative resident in the same household as the named or deslgnatec , Insured, or through being struck by such a vehicle, but this exclusion does no' apply to the named Insured or his relatives while occupying or If struck by < highway vehicle owned by a.designated Insured or his relatives; (c) so as to Inure directly or Indirectly to the benefit of any workmen's compensa tlon or disability benefits carrier or any person or organization qualifying as ; ' self-Insurer under any workmen's compensation or disability benefits law o :• any similar law. , . (Page 3) ii. PERSONS INSURED Cadi of^lhe lollo'wing is an insured under this insurance to the extent set forth 'the named insured and any designated insured and, while residents of the same ousehold, the spouse and relatives of either; . • N>r any other person while occupying an insured highway vehicle; and (c) any person, with respect to damages he Is entitled to recover because of bodily injury lo which this Insurance applies sustained by an Insured under (a) or (b) above. The insurance applies separately with respect to each Insured, except with respect to the limits of the company's liability. Hi. LIMITS OF LIABILITY " • : Regardless of the number of (1) persons or organizations who are Insureds under this policy, (2) persons who sustain bodily Injury. (3) claims made or suits brought on account of bodily injury, or M) highway vehicles to which this policy applies, (a) The limit of liability stated In the declarations as applicable to "each person" • is the limit of the company's liability for all damages because of bodily Injury sustained by one person as the result of any one accident and, subject to the above provision respecting "each person" the limit of liability stated In the . declarations as applicable to "each accident" is the total limit of the company's liability for all damages because of bodily Injury sustained by two or more persons as the result of any one accident. (b) Any amount payable under the terms of this insurance because of bodily injury sustained in an accident by a person who is an Insured under this coverage shall be reduced by (1) all sums paid on account of such bodily Injury by or on behalf of (i) the owner or operator of the uninsured highway vehicle and (ii) any other person or organization jointly or severally liable together with • such owner or operator for such bodily Injury, including all sums paid under the bodily Injury liability coverage of the policy, and ' (2) the amount paid and the present value of all amounts payable on account of such bodily Injury under any workmen's compensation law, disability benefits law or any similar law. ,, . (c) Any payment made under this Insurance to or for any Insured shall be applied in reduction of the amount of damages which he may be entitled lo recover from any person or organization who is an Insured under the bodily Injury liability coverage of the policy. (d) The company shall not be obligated to pay under this Insurance that part of the damages which the Insured may be entitled to recover from the owner or operator of an uninsured highway vehicle which represents expenses for medical services paid or payable under the medical payments coverage of the policy. IV. POLICY PERIOD; TERRITORY ' • . , ; , . This insurance applies only to accidents which occur during the policy period and within the United States of America, its territories or possessions, or Canada. ' • ' ' : • ' ' :; • i r V. ADDITIONAL DEFINITIONS When used in reference to this insurance (including endorsements forming a part of the policy): '.'••'•',< . . . . ' . - ' "designated insured" means an Individual named in the schedule under Designated Insured; . . . , ' "highway vehicle" means a land motor vehicle or trailer other than (a) a farm type tractor or other equipment designed for use principally off public roads, while not upon public roads, (b) a vehicle operated on rails or crawler-treads, or (c) a vehicle while located for use as a residence or premises; "hit-and-run vehicle" means a highway vehicle which causes bodily Injury to an insured arising out of physical contact of such vehicle with the Insured or with a vehicle which the insured Is occupying at the time of the accident, provided: . ' (a) there cannot be ascertained the identity of either the operator or owner of such highway vehicle; , • ! (b) the insured or someone on his behalf shall have reported the accident within 24 hours to a police, peace or judicial officer or lo the Commissioner of Motor Vehicles, and shall have tiled with the company within 30 days thereafter a statement under oath that the insured or his legal representative has a cause or causes of aclion arising put of such accident for damages against a person or persons whose identity is unascertainable, and setting forth the facts In •" support thereof; and (c) at the company's request, the insured or his legal representative makes avail- able for inspection the vehicle which the Insured was occupying at the time of the accident; . . ' . . . r' ' : "insured highway vehicle" means i a highway vehicle: • . ' . • • • (a) described in the schedule as an insured highway vehicle to which the bodily injury liability coverage of the policy applies; (b) while temporarily used as a substitute for an insured highway vehicle as de- scribed in subparagraph (a) above, when withdrawn Irom normal use because of its breakdown, repair, servicing, joss or destruction; (c) while being operated by the named or designated insured or by the spouse ol either If a resident of the same'household; but the term "Insured highway vehicle" shall not include: (i)'a vehicle while used as a public or livery conveyance, unless such use Is specifically declared and described in this policy; (ii) a vehicle while being used without the permission of the owner; (iii) under subparagraphs (b) and (c) above, a vehicle owned by the named insured, • ' any designated Insured or any resident of the same household as the named or designated insured; or . - • • , ; • (Ivj under subparagraphs (b) and (c) above, a vehicle furnished for the regular use of the named Insured or any resident of the same household; "occupying" means in or upon or entering into or alighting from; "slate", Includes the District of Columbia, a territory or possession of the United States, and a province of Canada; - < ; • • ; • •• . • : "uninsured highway vehicle" means: ''• "<;"•• (a) a highway vehicle with respect to the ownership, maintenance or use of which there is, in at least the amounts specified by the financial responsibility law of the state in which the Insured highway vehicle is principally garaged, no bodily Injury liability bond or Insurance policy applicable at the time of the accident with, respect to any person or organization legally responsible for the ,use of such vehicle, or with,respect to which there is t bodily Injury liability bond or Insurance policy applicable at the time ol the accident but the company ' writing the same denies coverage thereunder or is or becomes insolvent; or (b) a hit-and-run vehlcle;'\':!, . . ' '' but the term "uninsured highway vehicle" shall not include: • (I) an.Insured highway vehicle, (ii) a highway vehicle which is owned or operated by a self-insurer within the mean- . Ing of any motor vehicle financial responsibility law, motor carrier law or any . similar law, ; . . . . . . . . . . . . . . . . , . . (Ill) a highway vehicle which Is owned by the United States of America, Canada, a state, a political subdivision of such government or an agency of any of the foregoing. • . ' . I ;. . VI. ADDITIONAL CONDITIONS. A. Premium , . . •, • •• : • If during the policy period the number of Insured highway vehicles owned by the named Insured or spouse or the number of dealer's license plates Issued to the named Insured changes, the named Insured shall notify the company during the policy period of any change and the premium shall be adjusted in accordance with the manuals In use by the company. If the earned premium thus computed exceeds . the advance premium paid, the named Insured shall pay the excess to the company: If jess,-the company shall return to the named Insured the unearned portion paid 'by'such Insured. • • • . - . , • • • ; : B.'Proof o f Claim; Medical Reports .'... . ' ' . ' . . . . . . As soon as practicable, the Insured or other person making claim shall give to the company written proof of claim, under oath if required. Including full particulars of • the nature and extent of the Injuries, treatment, and other details entering Into the determination of the amount payable hereunder. The Insured and every other , person, making Claim hereunder.shall, submit .to examinations under oath by any person named by the company and subscribe the same, as often as may reasonably be required. Proof of claim shall be made upon forms furnished by the company unless the company shall have failed to furnish such forms within IS days after receiving notice o f claim. • • • • • • • - The Injured person shall submit to physical examinations by physicians selected by the company when and as often as the company may reasonably require and he, or In the event of his Incapacity his legal representative, or In the event of his death his legal representative or the person or persons entitled lo sue theiefor, shall upon each request from the company execute authorization lo enable the company to obtain medical reports and copies of records. C. Assistance and Cooperation of the Insured ' After notice of claim under this insurance, the company may require the insured to , take such action as may be necessary or appropriate to preserve his right to re- cover damages from any person or organization alleged to be legally responsible for the bodily Injury; and in any action against the company, the company may re- quire the Insured lo join such person or organization as a party defendant. D. Notice of Legal Action > ' If, before the company makes payment of loss hereunder the insured or his legal representative shall institute any legal action for bodily Injury against any person or organization legally responsible for the use of a highway vehicle involved in the accident, a copy of the summons and complaint or other process served in connection with such legal action shall be forwarded Immediately lo the company by the Insured or his legal, representative. E. Other Insurance , . With respect to bodily injury to an Insured while occupying a highway vehicle not owned by the named Insured, this insurance shall apply only as excess insurance over any other similar insurance available to such Insured and applicable to such vehicle as primary insurance, and this insurant shall then aooly only in the amount TUT by which the limit of liability lor this coverage exceeds the applicable limit ol liability of such other insurance. , . . ' . - ' Except as provided in the foregoing paragraph, If the Insured has other similar insurance available to him and applicable to the accident, the damages shall be <•' ^d not to exceed the higher of the applicable limits of liability of this Insur- nd such other insurance, and the company shall not be liable for a greater p. .lion of any loss to which this coverage applies than the limit of liability hereunder bears to the sum of the applicable limits of liability of this insurance and such other insurance. . F. Arbitration . " . . . . . . . If any person making claim hereunder and the company do not agree that such person is legally entitled to recover damages from the owner or operator of an • uninsured highway vehicle because of bodily injury to the insured, or do not agree as to the amount of payment which may be owing under this Insurance, then. upon written demand of either, the matter or matters upon which such person and the company do not agree shall be settled by arbitration, which shall be conducted in accordance with the rules of the American Arbitration Association unless other means of conducting the arbitration are agreed to between the Insured and the company, and judgment upon the award rendered by the arbitrators may be entered . in any court having jurisdiction thereof. Such person and the company each agree to consider itself bound and to be bound by any award made by the arbitrators pursuant to this insurance. C. Trust Agreement - • ' ., • • In the event of payment to any person under this insurance: (aj the company shall be entitled to the extent of such payment to the proceeds of any settlement or judgment that may result from the exercise of any. rights ol recovery ol sucn .. . for the bodily Injury because of which such payment is made; (b) such person'shall, hold In (rust for the benefit of the company all rights of recovery which he shall, have against such other person or organization because ! . of the .damages which are. the subject or claim made under Ihis Insurance; . •• (c) such person shall do whatever Is proper to secure and shall do nothing after loss; to'prejudice such rights; . • (d) if. requested In writing by the company, such person shall lake, through any representative designated by the company, such action as may be necessary or appropriate to recover such payment as.damages from such other person or organization, such action to be taken In the name of such person; In the ' event ol;a recovery, the company shall be reimbursed out of such recovery for expenses, costs and attorneys' fees incurred by It In connection therewith; (e) such perdon shall execute and deliver to the company such instruments and papers as. may be appropriate to secure the rights and .obligating ol such .person" and .(he company established by thl$( provision. .< , ; . - . . • ' repayment of Loss by {he Company ', Anj) amount due hereunder is payable *' • ' ' ' • ' :' (a) to the insured, or' ' . " ' ' ' • (b)'if the. Insured be a minor,to his parent or guardian, or (c) If the Insured be deceased to his surviving spouse, otherwise ' (d) to a person authorized by law to receive such payment or to a person legally , 'entitled to recover the damages which the payment represents; provided,'the company may at its option pay any amount due hereunder In accord- ance with division (d) hereof. •'• SECTION D—AUTOMOBILE PHYSICAL DAMAGE INSURANCE (Non-Fleet): COVERAGE AGREEMENTS 1. The company will pay for loss to covered automobiles under .Coverage: E. COMPREHENSIVE—from any cause except collision; but. for the purpose of this coverage, breakage of glass and loss caused by missiles, falling objects, fire, theft or larceny, windstorm, hail, earthquake, explosion, riot or civil commotion, malicious mischief or vandalism, water, flood, or colliding with a bird or animal, shall not 'be deemed loss caused by collision; OLLISIOM—caused by collision;' ';,; .' ' • \'' I• N1;^FIRE1 LIGHTNING OR TRANSPORTATION—caused by ; , ' ,;" (a) fire or lightning, • ' (b) smoke or smudge due to a sudden, unusual and faulty operation of any fixed heating equipment serving the premises in which the covered automobile .is located, o r • • • - • - . - . (c) the stranding, sinking, burning, collision or derailment of any conveyance In or upon which the covered automobile is being transported; ' , , . , H. THEFT—caused by theft or larceny; " • • ' • ; I. COMBINED ADDITIONAL—caused by ,. . : • ;. . . . • (a) windstorm, hail, earthquake or explosion,. ... • • ' (b) riot or civil commotion, ' ; ; •' ... (c) the forced landing or falling of any aircraft or its parts or equipment, Id) malicious mischief or vandalism, (e) flood or rising waters, or. •• • ...... . .- . (f) external'discharge or leakage of water; ' ' ' ''' provided that, with respect to each covered automobile, (i) under the Comprehensive coverage (except as to loss from any of the causes described in the Fire, Lightning or Transportation coverage) and under, the Collision coverage, such payment shall be only for'the amount of each loss in excess of the deductible amount, If any, stated in the declarations as ap-. plicable thereto-, . : . • - • ' . . ' '';;, (ii) under the Combined Additional coverage, $25 shall be deducted from the amount of each loss caused by malicious mischief or vandalism. ' •/ 2. The company will pay, under: ' '.' .•;'•: J. TOWING COVERAGE—for towing and labor cosls necessitated by the disablement of covered automobiles, provided the labor is performed at the place of disablement. 3. SUPPLEMENTARY PAYMENTS . - - , ' , . : addition to the applicable limits of liability, the company will: _^; with'respect to such transportation insurance as Is afforded herein,'pay gen- eral average and salvage charges for which the named insured becomes legally ' liable; . . . . • • - . ' . (b) reimburse the named insured, In the event of a theft covered by this insurance • of an entire covered automobile of the private passenger type (not used as a % public or livery conveyance and not, at time of theft, being held lor sale by .--an automobile dealer), for expense incurred for the rental of a substitute for <"<-h ;•'• -covered automobile • during the period'commencing 48 hours after such tlieft . h a s been reported to the company and the police and terminating, regardless ""/of expiration of the policy period, when such covered automobile is'returned to use or the company pays for the loss; but, as to any one such theft, such ';,' reimbursement shall not exceed $10 for any one day nor $300 total. 4; 'Such Insurance as Is afforded under each coverage applies separately to each covered automobile/and a land motor vehicle and one or more trailers or semi- trailers altached thereto shall be held to be separate covered automobiles as re- . spects, limits of'liability and any deductible'provisions applicable thereto. Exclusions"-':; , •• • . ' - - : • • : I:.'' • - . .', ' This Insurance does not apply: ••''•'"<'. \ ' (a) to any covered automobile while used as a public or livery conveyance, unless such use is specifically declared and described In the declarations; (b) to damage which Is due and confined to: ' (I) wear and tear, or • . (ii) freezing, or - • . (iii) mechanical or electrical breakdown or failure, unless'such damage is the result of other loss covered by this Insurance; (c) to tires, unless '... -;'-:. • • ' " ' . : • • ' . ' • * : . < . ' . < . ' , :\-.\ r - . - - . •• • '•(i) loss be coincident with and from the same cause as other loss covered by . . .this, insurance; or •:;.-, |. ,' ' ' . (Ii) damaged by fire-(and if a covered automobile of the private passenger t;. .. type, by malicious mischief or vandalism) or stolen and, as to the covered 1 'automobile, loss caused by such damage or theft Is covered by this insurance; (d) to loss^due.io »;• : fv''."'•'•',''"'' -';* • .' . ' ' ' (I),.war, whether or not'declared, 1 civil war,. Insurrection, rebellion or revolu- tion, or to any act or.condition incident to any of the foregoing; • . (II) radioactive contamination; > > < / . -...•• i) .j'.r (e) to'lossio'- '•'; '"• ''•''!'.':''.'' - ' ' . ••'' '/•'•','.'• • (i) any device or instrument designed for. the recording, reproduction, or re- , .,, cording and reproduction of sound unless such device or Instrument is .•'•permanently .installed In the covered autimoblle; .'(ill any.'tape, wire, record disc or other medium for use with any device or .,: Instrument designed for the recording,; reproduction, or recording and re- ; production of sound; i , • • v. • (f) to loss to'a camper body designed for use with a covered automobile and not designated In the declarations and for which no premium has been charged If such camper body was owned at the Inception of the policy period or the In- ception of any renewal or extension period thereof; ,(g) under '.the Comprehensive and Theft coverages, to loss or damage due to con- version, embezzlement or secretion by anv person In possession of a covered ;. automobile under a bailment lease, conditional sale, purchase agreement, mort- gage or other encumbrance; • • l< , >..„. (h) under the Collision coverage; to'breakage of glass If insurance with respect to ,:. such breakage Is otherwise .afforded herein;',,-' (I) under'the Windstorm, Hail, Earthquake on Explosion and Combined Additional : coverages,'to loss resulting from rain, snow or sleet, whether or itot wind-driven. (Page 5) . LIMIT OF LIABILITY , /. • ,; ••.,;';.. - ne limihof tljc £ompan/s liability for loss to any one covered aujomobjla shall ot exceed Ihe leasttof the loilowing amounts: .... '••,'•• , .','>'.'f'V-. i) the actual cash value of such covered automobile, or If the loss Is to a part thereof the actual cash value of such part, at time of loss; or.' '. ' ' it would then cost to repair or replace such covered automobile or part eof with other of like kind and quality, wjth deduction for depreciation; or :) the limit of liability stated In the declarations as applicable to "each covered automobile" under the coverage afforded for the loss to such covered automobile, provided that if such limit of liability |s expressed as a staled amount It shall. with respect to a covered automobile newly acquired during the policy'period and not described in the declarations, be deemed as having been reP|?ce<! ^ "actual cash value". . . •. >, •: , .' .. . . .v,'.:••...:.';".'.'•.! •', II. POLICY PERIOD; TERRITORY; PURPOSES Of USE ' ' - " . ' . ;: )/,-•,;••'•^l',''".',,. his insurance applies only to loss which occurs during the policy period, while the overed automobile Is within the United-States of; America,'lts': territories'or ossessions. or Canada, or Is being Jransported between ports' {hereof ; and, .|f a overed automobile described in the declarations, Is maintained and used: for the urposes stated'therein as applicable thereto.,; ",\><s i^: -',-!,'. ''.•'••iv,.\-, ,' V. DEFINITIONS :•.•••• :.'• '<• ! • • . ' > : . ' • ] ,i'^l^f',^('---- /hen used in reference to this insurance.(including endorsements forming ra'part lf the pol'eyl: : , ' • ..'':'".,.',. ^l.'v',-^-V^}'/;^-'ii!iii;;i-r rnabiia 'camper body" means a body designed to be mounted up°f) ? cqvarjd autiiqablli md equipped as sleeping or living quarters;-. :. .. i/j-vJ}* 'vt";i1-^*'^;*|W;Wf;i 'collision" means (i) collision of a covered automobile with another'oble'ct,'or With a vehicle to which it Is attached, or (JO upset of such covered^ ?Ht9mSbJl?''';i''t\ X' "covered automobile" means a'land motor vehicle, trailer or sefnltraller.'fii^uuing Its equipment and other equipment permanently attached thereto (bu.t:n'oi lr,-!^lng robes,,wearing apparel or personal effects), which Is either. •' '.•.L-ixi'Uii^i'.'.-'.j^ (a) designated in the declarations, by description'; as -'-'•—-•'-----•-"-fi---^ (a) proteci me cimuu magnumm., ,,,l,..,,^. .. .... ..... loss, and any further loss or damage due to the named Insurer's lailuie to , protect shall not be. recoverable under this insurance; reasonable expenses Incurred in affording such protection shall be deemed incurred at the com- pany's request; . (b) give notice thereof as soon as practicable to the company or any of its au- thorized agents and also, In the event of theft or larceny, to Ihe police; (c) (He with the company, within 91 days after loss, his sworn proof of loss In such form and Including such Information as the company may reasonably re- quire and, upon the company's request, shall exhibit the damaged property and submit to examination under oath; ' Id) cooperate with the company and, upon the company's request, shall assist in making settlements, in the conduct of suits and in enforcing any right of con- tribution or Indemnity against any person'or organization who may be liable . to the named Insured because of loss with respect to which this Insurance '. applies; and shall attend hearings and trials and assist in securing and giving evidence and obtaining the attendance of witnesses; < but'the named Insured shall not, except at his own cost, voluntarily make any pay- ment,' assume any obligation, offer or pay any reward for recovery of stolen prop- erty or incur any expense other than as specifically provided In this insurance. 2.- Payment for Loss • . With respect to any loss covered by this Insurance, the company may pay {or said loss In pioney, or may; , . ;' (a) repair or replace the damaged or stolen property, or -,:>..- : (b) return at Its expense any stolen property to the named Insured, with'payment ' - , ; • for any resultant damage thereto, at any time before the loss Is so paid or Ihe •..v. property is so replaced", or . ' . ' ' . or any part of the damaged or sjolen property at the agreed or ap- the named insured nolifie's"the company within. 30 days. following ;'such delivery date; 1*. '.,'.;'' '"'..,.:' .... .V- ;'!:"': I .':•'''' bw covered automobile" does not Include a vehicle owned or registered In the name of any individual partner or executive officer of the named Insured, unless specifically stated otherwise by endorsement forming a part of the policy; ,:;,,. "loss" means direct and accidental loss or damage; • ' : • ; • • . • ' ;• ....;;;;.;.:;. "named insured" means the person or organization named in Item 1 of the declara- tions of this policy; . ' . - / ' ' . . •• " "'. ! . "private passenger type" means a 4-wheel land motor vehicle of the passenger or station wagon type; •'. • , ' • • • " -- as to "purposes of use": ''•';' ^ ' :: '"; • . ' , ' • ' ' ' ;'!.' "commercial" means use principally: In the business occupation cf t|ie. named, Insured as stated in the declarations, including occasional use for personal, pleasure,. family and other business purposes; . , , - • : ' ... •' •] . :,Vi'i'>J.--.'., "pleasure and business" means personal, pleasure, family and business use.- '; v. CONDITIONS .". •' ' '/'•;-;>•'; .'. None of the Conditions of the policy shall apply to this insurance except "Premium", "Subrogation", "Changes", "Assignment", Cancellation", and "Declarations".^ This insurance shall also be subject to the following additional Conditions; .'.'>:'•. ;'•/.. 1. Named Insured's Duties In Event of Loss . . •:':>..'•';!"•/•::•..' In the event of loss the named Insured shall: • ' • '.'• .;.>•'• . but there shall be no abandonment to the company. 3. Appraisaj/ > '. .f.-j"-.\ ; . ' . , - , . and the'company fail to agree'as to the amount of loss, days after'proof of loss |s filed, demand an appraisal'of the the pamti) insured and the company shall each select'a corn- the appraisers shall select a competent and disinterested shall state separately the actual cash value and the amount agree shall submit their differences to the umpire. An award shall determine the amount of loss.'The named Insured and the company shall each pay its chosen appraiser and shall bear equally 'the other : expenses of the appraisal and umpire. ' ' • ; the 'company shall not be held to have waived any of its rights by an act relating to appraisal. ' ' " ' . ' . ' _ . - ' - . , 4. Action Against Company ' ' ; No action shall lie against the company unless, as a condition precedent thereto, there shall have been full compliance with all the terms of this insurance nor until 30 days after proof of loss is fjled and the amount of loss Is determined as provided in this insurance. ••' " '• • • • ! : . ' 5. Other Insurance . • .'ij •--. .-. .'.• , •> . ,• i If the named Insured has other insurance against a loss covered by this insurance, the company shall not be liable under this insurance for a greater proportion of such |oss than.the applicable limit of liability stated in the declarations bears to the total applicable limit of liability of all valid'and collectible insurance against such loss; provided, however, with respect to any covered automobile newly acquired during the policy period and not described in the declarations, this insurance shall not apply lo any loss against which the named insured has other valid and collectible insurance. , 6. No Benefit to Bailee . . . . . None of the provisions of this insurance shall Inure directly or indirectly to the benefit of any carrier or other bailee for hire. ' : • • ; : - . ; , (Page 6) 1. Presiiun> - , All premiums lor "ibis policy shall be computed in accordance with the company's rules, rates, rating plans, premiums and minimum premiums applicable to the '••'iirance afforded herein. . ium designated in this policy as "advance premium" is a deposit, premium , which shall be credited to the amount ol the earned premium due at the end oTthe policy period. At the close of each period (or part thereof terminating with the end ol the policy period) designated in the declarations as the audit period the earned premium shall be computed for such period and, upon notice thereof to the named insured, shall become due and payable. If the total earned premium for the policy period is less than the premium previously paid, the company shall return to the named insured the unearned portion paid by the named Insured. ' .The named insured shall maintain records of such inlormation as Is necessary for premium computation, and shall send copies of such records to the company at the end of the policy period and at such times during the policy period as the company may direct. ' . '. ' •' 2. Inspection and Audit The company shall be permitted but hot obligated to inspect the named Insured'; property and operations at any lime. Neither the company's right to make Inspec- tions nor the making thereof nor any report thereon shall constitute an undertaking, on behalf of or for the benefit of the named Insured or others, to determine or warrant that such property or operations are safe or healthful, or are in compliance with any jaw, ;gle or regulation. . ,..-..,.. ,, ,, . The company may examine and audit the'named,Insured'; books and records at any time during the policy period and .extensions thereof and within three years after the final termination of this policy/as far as they relate to the subject matter of this insurance. • '. 3l" Financial Responsibility Laws ' v::jr,:; •'' ! • • ; • • MT. , When this policy is certified as proof ol financial responsibility for the future under the provisions of any motor vehicle financial responsibility law, such Insurance.as is afforded by this policy for bodily injury, liability or,for property damagi liability shall comply with the provisions of such law to the extent of the coverage and limits of liability required by such law. The Insured agrees to reimburse the com- pany for any payment made By the company which It would not have been obligated to make under the terms of this policy except for the agreement contained in this paragraph. . 41 Insured's Duties in the Event of Occurrence. Claim or Suit '. '• 'i« V (a) In the event of an occurrence, Written notice containing particulars sufficient • to Identity the Insured and also reasonably obtainable Information with respect Mo the time, place and circumstances thereof, and the names and addresses of - ' t h e Injured and of available witnesses, shall be given/by or for the Insured to the company or any of its authorized agents as soon as practicable. (b) If claim is made or suit is brought against. the Insured, the Insured shall Im- mediately forward to the company every demand notice, summons or other process received by him or his representative. ''-. , . , . ' . .. ....,,.. , (c) The insured shall cooperate with the company and, upon the company's request, .. , assist in making settlements, in. the conduct 'of suits and in enforcing any right of contribution or indemnity against any person or organization who may be liable to the Insured because ol injury or damage with respect to which Insur- : ' ance r is afforded under this policy; and the Insured. shall attend hearings and , trials and assist in securing and giving evidence and obtaining the attendance ..; of witnesses. The Insured shall, not, 'except at his own cost, voluntarily make '.' any payment, assume any obligation or incur any expense other than .forjirst aid to others at the time of accident. : ' " • ' ' "'• 5. . Action Against Company , ',' ....!'. I,,' ,•.'.).'' '.,'"'. ..! ''',,,'!''. , ... No action shall lie against the company Unless, 'as a condition precedent thereto. there shall have been full compliance with all of the terms of this policy, nor until the amount of the insured's obligation to pay shall have been finally determined either by judgment against the insured after actual trial or by written agreement of the insured, the claimant and the company. ' < , . Any person or organization or the legal representative' thereof who has secured such judgment or written agreement shall thereafter be entitled to recover under of 6. Other Insurance . ' The insurance afforded by this policy is primary insurance, except when staled to apply in excess ol or contingent upon the absence ol other insurance. When this Insurance Is primary and the Insured has other Insurance which is stated to be applicab|e to the loss on an excess or contingent basis, the amount of the com- pany's liability under this policy shall not be reduced by the existence of such other Insurance. • • , When both this insurance and other insurance apply to the loss on the same basis, whether primary, excess or contingent, the company shall not be liable under this policy lor. a greater proportion of the loss than that staled in the applicable con- tribution provision below: (a) Contribution by Equal Shares If all of such other valid and collectible insurance (Provides for contribution by equal shares, the company shall not be liable for .a greater proportion of such loss than would be payable if each Insurer con- tributes an equal share until the share of each Insurer equals the lowest ap- •i plicable limit of liability under any one policy or the full amount of the loss is paid, and with respect to any amount, of loss not so paid the remaining in- surers then continue to contribute equal shares of the remaining amount of the loss until each such insurer has paid Its limit in lull or the full amount of the loss Is paid. (b) Contribution by Limits If any of such other Insurance does not provide (or con- ; •'• trlbution by equal shares; the company shall not be liable for a greater propor- I ''tlohiof stlch loss than the applicable limit bf liability under this policy for such .,-, .loss-bears to the total applicable limit of liability .of all valid and collectible ' •Insurance' against such loss. , ' J/ISubrpgalion .,,,. ,. . -., ,. In the event ol, any payment under this policy, the company shall be subrogated to all , the Insured's rights of recovery therefor against any person, or organization ;and theJnsured shall. execute and deliver Instruments and papers and do whatever else Is necessary ao secure, such rights. .The Insured shall. do nothing after loss to prejudice such, rights.,, ,!;.,.. • ' ; . , . ' . .I,;1".;.;', ,;'„ ' ;' -',. , ,, 'V-i'"'< • 8. <Cha'hgei ; "'•'•::>;'v •"'' " ' :•••'«!;."•.• < • •" ' :.•" ' ; • • = '• Notice to any agent or knowledge possessed by any agent or by any other person shall .not, effect a waiver or a change In any part of this policy or estop the com- pany from 'asserting any right under the terms of this policy; nor shall the terms of.thls'pollcy be waived or changed, except by endorsement issued to form a part •• • • '••- • < • • • ' . v - 1 1 . 9. Assignment ,.; ( ... Assignment of Interest under this policy shall not bind the company until its consent, is endorsed hereon; If. however, the named Insured shall die, such Insur- ance .as : Is : afforded by, this, policy shall .apply, (1) to the named Insured's legal representative, as' the named Insured, but only while acting within the scope of his duties as such, and (2) with respect to the property of the named Insured, to the. person' having proper temporary custody thereof, as Insured, but only until the appointment and qualification of the legal representative. • : 10. "Cancellation ' "• : • ••.'•••.-• •.' '. • • « i T ;r This policy' .may be cancelled by the named insilred by surrender thereof to the company or any of its authorized agents or by mailing to the company written notice stating'* when 'thereafter the, cancellation "snail be effective. This policy may be cancelled by the company by mailing to the named Insured at the address shown In this > policy, written notice staling when not less than ten days thereafter such cancellation shall be effective. The mailing ol notice as aforesaid shall be sufficient proof of notice. 'The time of surrender or the effective date and hour of cancella- tion 'stated -In IK notice shall become the end of the policy period. Delivery of such written notice either by :the, named Insured or by the. company shall be equiva- lent tot mailing. ' ''• : . - • - . . _ If the' named. Insured cancels, earned premium. shall be computed in accordance with the customary short rate table and procedure. If the company cancels, earned premium shall be computed pro rata. Premium adjustment may be made either at the time cancellation is effected or as soon 'as practicable alter cancellation be- comes effective, but payment or lender of unearned premium is not a condition of cancellation. .... „ ,... .„, . .. . , ... . . . this policy to the extent of the insurance afforded by this policy. No person or 11.| Declarations organization shall have any right under this policy to join the company as a party to any action against the Insured to determine the Insured's liability, nor shall the company 'be impleaded by the insured or his legal representative. Bankruptcy or insolvency of the insured or of the Insured's estate shall not relieve the company of any of its obligations hereunder. ' • • • < • ; ' • • , ' • . . . • • . . • . • • . < • • : .. . . By acceptance of this policy,' the named Insured agrees that the statements in the declarations are .his agreements 'and representations, that this policy is issued in reliance upon the truth of such representations 'and that this policy embodies all agreements existing between 'himself and the company or any of Its agents relatinf to this ; Insurance. ,.-:,,., ,-... - . . . . , x ,: .v,.|.|. (Page ?)• It is agreed 1 tlT3t:r ' .l.'The policy does not apply: 4. Under any Liability Coverage, to bodily Injury or property damage (1) with respect to which an Insured under the policy is also an insured under a nuclear energy liability policy issued by Nuclear Energy Liability Insurance Association, Mutual Atomic Energy Liability Underwriters or Nuclear Insurance Association of Canada, or would be an insured under any such policy but for its termination upon exhaustion of.its limit of liability; or • (2) resulting from the hazardous properties of nuclear material and with respect to which (a) any person or organization is required to maintain financial protection pursuant to the Atomic Energy Act of 1954, or any law amendatory thereof, or Ib) the insured is, or had this policy not been issued would be, entitled to indemnity from the United Stales of America, or any agency thereof, under any agreement entered into by the United States of America, or any agency thereof, with any person or organization. B. Under any Medical Payments Coverage, or under any Supplementary Pay- ments provision relating to first aid, to expenses incurred with respect to bodily injury resulting from the hazardous properties of nuclear material and arising out of the operation of a nuclear facility by any person or organization. C. Under any Liability Coverage, to bodily injury or property damage resulting from the hazardous properties of nuclear material, if (1) the nuclear material (a) is at any nuclear facility owned by, or operated by or on behalf of, an insured or (b) has been discharged or dispersed therefrom; (2) the nuclear material is contained in spent fuel or waste at any time possessed, handled, used, processed, stored, transported or disposed of by or on behalf of an Insured; or •• • ' . ' . • • ' ••' • (3) the bodily injury or property damage arises out of the furnishing by an Insured of services, materials, parts or equipment in connection with the ; planning, construction, maintenance, operation or use of any nuclear facility, but if such facility is located within the United States of America, ' its territories or possessions or Canada, this exclusion 13) applies only , to property damage to such nuclear facility and any property thereat. II. As used in this endorsement: : "hazardous properties" include radioactive, toxic or explosive properties; "nuclear material" means source material, special nuclear material or byproduct material; "source material", "special nuclear material", and "byproduct material" have the meanings given them in the Atomic Energy Act of 1954 or in any law amendatory thereof; "spent fuel" means any luel element or fuel component, solid or liquid, which has been used or exposed to radiation in a nuclear reactor; "waste" means any waste material (a) containing byproduct material other than the tailings or wastes produced by the extraction or concentration of uranium or thorium from any ore processed primarily for its source material content, and (b) resulting from the operation by any person or organization of any nuclear facility included under the first two paragraphs of the definition of nuclear facility; "nuclear facility" means (a) any nuclear reactor, (b) any equipment or device designed or used for (1) separating the isotopes .of uranium or plutonium, (2) processing or utilizing spent fuel, or (3) „, .1 handling, processing or packaging waste, ,. '! (cl.any equipment or device used for the processing, fabricating or alloying i <. of. special nuclear material if at any time the total amount of such »,' :> material In the custody of the Insured at the premises where such • j.;-,.- equipment or device is located consists of or contains more than 25 . • grams of plutonium or uranium 233 or any combination thereof, or more // ; than 250 grams of uranium 235, (d) any structure, basin, excavation, premises or place prepared or used for • •'••'•" the storage or disposal of waste, ' • and Includes the site on which any of the foregoing is located, all operations ' conducted on such site and all premises used for such operations; "nuclear reactor" means any apparatus designed or used to sustain nuclear . fission in a self-supporting chain reaction or to contain a critical mass of .fissionable material; 1 "property damage" includes all forms of radioactive contamination of property. NEW YORK—It is agreed that the provisions of the "Nuclear Energy Liability Exclusion Endorsement—Broad Form", printed above, do not apply in New York with respect to any Automobile Bodily Injury Liability and Automobile Property Damage Liability coverage afforded by this policy. 1 i ' ~~1N WITNESS WHEREOF, the company has caused this policy to be signed by Its duly authorized representative. , (Pago 8) ,v,'«- N* ? ' Philadelphia. Pennsylvania 19101 . " ' ' " •, : '. ; : ' • •' ' ' . ' ' • " • ' . -• - ; "' '•• ": -,; " • • • ' ' : l BASIC AUTOMOBILE LIABILITY AND P Part Two. This Declarations page with "Policy Provisions; Ite 1 2. 3. 4. I . , i. ', t i. Kr — HYSICA Part .One DECLARATIONS • ' ' POLICY NUMBER 2 C ' 1/25/85 L DAMAGE POLICY " completes the below -ST-000031 A / (J .-". • ' .:\ "'• ' ' • ' • • • . - .' , , .• Jy anted Jn&ured • RAMSAY MOTORS, ET AL :' ,-:405 Anna's Retreat . '' ADDRESS: ' ' • ' , ' 1 • . - S t . Thomas; V.I. 00802 . (Number & Street, Town, County & State) • ' ,'• • : ': BAL 1001 numbered . INDIVIDUAL [] . PARTNERSHIP FJ • CORPORATION fj . JOINT VENTURE fj • DTHFH Policy Period: J?'°,'H*- nV.'Tslf.M1 « Vrwlo ""urn Ffom: • January ;1, .1985 ..: TO:. January 1, 1986 RFPRFsrNTATiVF '' Agent or Broker - ANTILLES. INSURANCE,; INC. . ..j, - REPRESENTATIVE: ,. Office Address ^ v P.O. . Box ^2698;f- .'- '-' '' U. ' ' ' '•-• 'Town and State '-.St. Thomas Vr'VJ I :v 00801 ; ' ' ' -i*'-; :'i ,' . The insurance afforded Is only with respect to such of the following coverages,1 and under each such Section D coverage io such covered automobiles described In the Schedule of Covered Automobiles, as are Indicated by specific 'premium charge or charges. The limit of the company's liability against each such coverage shall be as stated herein, subject to all the terms of this .Insurance having reference thereto. : • . • • . .. ioH COVERAGES A. Bodily Injury Liability * O • • ' ' . . B. Property Damage Liability * ,• • B C. Automobile Medical Payments C D. Uninsured Motorists ' E . Comprehensive .;:•.'. I ' • •'/' less deductible ———— *- „ F. Collision . ••/': 'ACV less deductible-*- G. Fire, Lightning tr Transportation ' : ACV unless otherwise stated ———— >- H. Theft ''- ACV Unless otherwise staled-*- I. Combined Additional \ V , • ACV unless otherwise stated ———— *- J. Towing - (Not available In California) indorsement Identification ^ •' '•<• A-l(4/83); -Endt:"A"'- • . - - : ; iiv-v LIMITS. OF LIABILITY^ ::f,. -...-, '•• '•' ACV means' Ac'tual Cash Value 300.000 ea:h person ; 50Q JIOO -!''"each occilrrinc6<;>v • • - •. '50 ,000-^ - ''. ;i(: each"' occurranc* - WStf*, •' ,•. W.My-^-'W'f.kM person '••: '-'^, >'!'.'. . ; 1 0. 000 "di person Auto No.jlri,v'f/- '... « '•' 1. '•• Jl/.v '••• '; '.' . ••'•.'-. "^ «• -VX;.-. il':' . '''V'*':'( i" •t ' '' ' / i*t' -.\- ' •• : • ' ( 1 1 • 'i •' I . ^'i*if ^" $ . • ' * •-• •'. '*•:.-.!$ i •• ••'•!•'• $25 for each $20.008ach ««ldent : ' ,-Auto No. 2 •'"• • I^A-'H. 1'^.- }".\"t:--'. ' •'"•' •• ?-::V .'••'". : fjv f, .Vij,' •;.• PS.':. .. 4 ^ disablement i Total Premium ,by Auto No. ' - • ; « • > . , . . • . PREMIUMS Auto No. 1 i"' /• 256 $ ; ' -'167 i '"''-••. -\'\ $ < .'r 30 i X '• J " : . :«' -f* 'V ,.: '• J . •'' $ '• '• ' ' " '-.'*•' $ . IV---.1. $•: • ' ' • • Auto No. 2 Bach coverage $ $ '• 256 * J 167 J J • -.-.. . . * * '30 $ $ * • • $ * $ ' '• $ $• $ $ v~ v $ $ $ ' . •'-•' '!•',.'. ' Premium for Endbrsements $ .••';!•*.• *.-;• • . : • • . ' :'..:•.'' •,.!;,•! . chedule as of Effective Date of this Insurance— As to: ...i ' • ' . , ; . ' '•;.'' ' /'./',• '.'•', '-\'t-'-.!\ a) Sections A, B & C— Owned Automobiles; •{ Aji'-Vvj :-.!- : . ':• l :/:'?! ; , ' -'.' \i '•$ ."V^f'''!' .''/• b) Section D— Covered Automobiles (Including "newly acquired vehicles, subject to the. provision's 1) Description; Purposes bl Use (P & B=Pieasure "jj" and Business; C=Commerclal • 1 2 »UTO No. 1 2 2) Facts Respecting Purchase " • AH0 10 1 . ' . 2 : AUTO , No. • .1 2 c) Automobile Medical Payments Coverage: ) Uninsured Motorists Coverage: TOTAL POLICY PREMIUM $ 453 of paragraph (b) of the "covered automobile" definition) •<•• IHI Midtli Indo XMOI l*>x TfM— Opicltv (Track IM«. CMIouio, In ItillMh ' V "-V • IdontllluIlM (1). Sotl.l to. MoUr (M) Ho., Cyltailm (H«.)i (Mil • . •,-'.,••' ';•••>'••• .i<",\::. • • • • . • • .•'" • • ; • • • ' • ' • . •,:' • ; '• ' . .'• f ':•'••': ,' ; •'. ' Principally [anted In (Town, Stitg) St. L Thomas , V;I. ' • List Prlco '," ' '• , ' ,. • Actual >' • ' . pyrimii •( Un Cost ' < • . . ' • • • . • - • . , . . . , • Any Ion wfldtf Covtri •ippflar Io Iki ••• Cliiilflcitlon 1GL3 Purclioiod a,oll*t Uo. t YI~.HO* (X), utod (U» . inntd 1NCD4W * . | l*i »lh«r thiN Itwhtf U Mr*Mt M Inlmit «ur 1 Ml IHIVM* Md Ihf Lett piytt MHt*d btlMTi • ] None, • • "•••'• •'••• ••••'• • ^' . | • -.. '••:'::• . Designated Person Insured-".. . . . . : . • . ' jtcept with respect to bailment lease, conditional sale, .: '','-. . •• ' ' , : urchase aEreement, mortgage of other encumbrance, the • ;>•'• ; ;' : •; .".;. amed Insured Is the sole owner of every vehicle described V- '•.;•'.•'"'•-• in Item 4 above, unless olherwlse stated herein: ' • '• Vl'-'f^ • : ' * ' Designation of Automobiles— Division 1— AUTO No. Insured Highway Vehicles— AUTO No. n ' Business of the named Insured Is ' • • • • .:'« 'I p'1 'Ak,y3| , ro 1/oc/pc r(\ , .,..-,.„.•*-.•.(, nun/ I-I-M. Form No. A1002D Rev. 8-1-74 1/tO/CO rU* . • > v . ; rjnljnter^pnprf by // ~7flmumu-, IN&T/ ——— - —— , J //, tJ* . A/9 IWPIS (1 SPECIFIC PREMIUM CHARGE IS MADE FOR SECTION A COVERAGES,'THIS ....... .,,,, rniiiirii) orconiKIQM ! M PROPERTY DAMAGE CO3 2205 ,''":'.:'A L'w P U RPO S E EN DO ri SEM EMT.'"; ;"A" •' '(».*. '»Yf" ' • - • • • ' ' ' ? ' \ *' '*•'• y^'**v '•• •'- "' • V " ' v' • • " , ' . • ' ' • ' • • • ' "r •'}• ,. *.•''. .' li.-£,v? ^'^ • • ' ' ' * • ' ,r . t ' '• ' '• ', • . " • •'• * ,' • >'-. * .'^ " "»*' ' • ••' ' * • --i d"1 > . • ' ; • . ; ' • ' • •" ; • • ;' " '•' '*'• "•-: ".• '.Nv' ^* •**•! »'•."" *' • *' ' i; • : ' , • ' -' , l * • • * ' following spaces preceded by'an asterisk (*) need be completed only H i/i/VErtoofsemeril Is Issued subsequent to preparation ol the Policy. , v/i;: -.-.; -'.; -. .•• I'-.-'M.V; .-.^:i-' ;»• •.-••'.'-* ^-* •"'••*•-•« •' '•••• r~'- 1^:.-.'..'-j>l?- ' I'^V^K'^i/^^^y*'1.*-;,1 'V, -V-- " • i : ' / - ...?'•. ' - .'".'I . -r :'..;''.',•• •This Endorsement, . 'January 1, •Issued To . Effective..,./.; -JJ 1985<:'U"; : Foims a Pail o( Policy No. ;:•.•.' - • • • ; • . ( . , • • : ' • • . . •;•..•?>•:•? 20-ST-000031.I- ;' .'''•"••','' Ramsay Motors , Inc.; r? - •• ••+;•- ?':rf'-'- •''•' '' ! ' ••";-"' • r~"'<>1 'T.;:', .,>,•'!''' : •'.:'•,'• .'.' '•' ; f> : . -:, ; /''Irisurarice Company ' •••! • • .'rt ',!"-i ' 'J' «. -(i1 ''[''• u •• *" • •' .'• x* ' •'.'• • *-','"- ."v> ••, l',!i '»•_* it'';. .*,»; » . •' .' '-T.-".*L ->p <* Hdiiday ''Rent-A-Car,' . Inc ' ' :» :.''-"i;.^ • '.> : of North America - * . ' K "'»; •""'•' W. . .In considciation /, it is undeistood and '.•;•'_ '1 '','.: :f or ;!pieasure; us e.' only .while • sUch'^othiers^are i tne. .quests' •'•-[ ^.' .••:• < ; '"•..•:..;:;?'.:..:pf:;.Ramsay;';Motors ,' inc;':. or',;Mr.^&/Mrs;*;. Robert. Ramsay. •'',Not',"' .',•• • • >' • ' " < ' ' ' ' TnnTp '. t-Viah • rihi=>' aiit"nmn1rl 1 e- 'a f-~.anv'» f i tnp' ^ s ; hrtvf>rpn hv i f l^^ s •"!'.;'.. '•'•'.' . •'"•.•'/'•' 'moreI'thari• dne' automobile;'at-any,;Hime; is icoverea b'y.-ithis TV;'•.•' ;'•. .^:voiiti^M&-'^^^ ;:..'^l&^f^ ^r:;^^iX•^:v^'/•^5^^•.:;^^^^^^'^>Vly'^^^^ •-•• ':'' • •^•"' '•:\.w*y±tf'-&^ • •, -; • • • • ' " , . • ' , ( . - • • • ., -; ti •:•( .* :f }•... •-•' • . •!• ' . . ; , . ' • '•• •*;••&••• -^:>:.?: '••'•••;'••• ..*••• ^^''•••frV%;,^'X.>.Si;^v^ •,"'••• : : ;•:•••'-•'.'•': ••;•;'»•' ; -'';'v.;;-r;^</.^.,'';-i^iJ:; ;u^.',:; •• -,. v - ' :••/;-•.-• •••-•'...•-.-;......•:••;- n^;r^um:^t^;'-i'' • . ; • • . - FORM NO.: 1 5 3 4 - 2 3 M (REV,>' " • ' SOUND RECEIVING AND TRANSMITTING EQUIPMENT EXCLUDED SOUND REPRODUCING OR RECORDING EQUIPMENT EXCLUDED AMENDATORY ENDORSEMENT AS RESPECTS COVERAGE OUTSIDE THE U.S. VIRGIN ISLANDS It is agreed that such insurance as is afforded by the policy under the Physical Damage Coverages is subject to the following additional exclusions: This insurance does not apply to: 1. Loss of, or damage to any sound receiving or sound receiving and transmitting equipment designed for use as a citizen's band radio, two-way mobile radio or telephone, or scanning monitor receiver, . including any accessories and antennas; 2. Loss of or damage to any device or instrument designed for the re- cording, reproduction, or recording and reproduction of sound unless such device or instrument is permanently installed in the automobile; 3. Loss or damage to any tape, wire, record disc or other medium for use with any device or instrument designed for the recording, re- production, or recording and reproduction of sound. It is further Limits in the agreed, if the combined Bodily Injury and Property Damage Liability Schedule of this Policy exceed $300,000 each occurrence, the limits are combined into a single limit of liability for both Bodily Injury and Property Damage Liability and are amended to $300,000 each occurrence, but only as respects occurrences within the United States of America, Canada or Puerto Rico. A-1 (4/83) BNL\ INSURANCE COMPANY OF NORTH AMERICA, PHILADELPHIA, PENNSYLVANIA GENERAL—AUTOMOBILE LIABILITY POLICY Standard Provisions A Stock Insurance Company, herein called the Company In consideration ol (he payment ol the premium, in reliance upon (he statements in the declarations made a part hereof and subject to all ol (he lerms of (his policy, agrees with the Named Insured as follows: COVERAGE Coverage is altordcd under this policy in accordance with the specific Coverage Parts identified in the Declarations it being a part of this policy. SUPPLEMENTARY PAYMENTS The Company will pay. in addition to the applicable limit ol liability: (a) all expenses incurred by (he Company, all costs taxed against the Insured in any suit defended by the Company and all interest on the entire amount of any judgment therein which accrues alter entry ol the judgment and before the Company has paid or tendered or deposited in court (hat part of the judgment which does not exceed the limit of the Company's liability thereon; (b) premiums on appeal bonds required in any such suit, premiums' on bonds to release attachments in any such suit for an amount not in excess of the applicable limit of liability of this policy, and the cost of bail bonds required of the Insured because of accident or traffic law violation arising out of the use of any vehicle to which this policy applies, not to exceed $250 per bail bond, but the Company shall have no obligation lo apply for or lurnish any such bonds; (c) expenses incurred by (he Insured for first aid to others at (he lime of an accident, for. bodily injury lo which this policy applies; (d) reasonable expenses incurred by Ihe Insured at the Company's request Jn assisting Ihe Company in the investigation or defense ol any claim or suit, including actual loss of earnings not to exceed $25 per day. DEFINITIONS When used in (his policy (including endorsements forming a part hereof): "automobile" means a land motor vehicle, trailer or semitrailer designed for travel on public roads (including any machinery or apparatus attached (hereto), but does not include mobile equipment; "bodily injury" means bodily injury, sickness or disease sustained by any person which occurs during the policy period, including death at any time resulting Iherelrom; "collapse hazard" includes "structural properly damage" as defined herein and properly damage to any other property at any lime resulting therefrom. "Structural properly damage" means the collapse ol or structural injury lo any building or structure due to (I) grading of land, excavating, borrowing, filling, back-filling, tunnelling, pile driving, cofferdam work or caisson work or (2) moving, shoring, underpinning, raising or demolition of any building or structure or removal or rebuilding ol any structural support thereof. The collapse hazard does not include property damage II) arising out of operations performed for the Named Insured by independent contractors, or (2) included within the completed operations hazard or the underground properly damage hazard, or (3) for which liability is assumed by the Insured under an incidental contract; "completed operations hazard" includes bodily injury and properly damage arising out of operations or reliance upon a representation or warranty made at any time with respect thereto, but only if the bodily injury or property damage occurs allcr such operations have been completed or abandoned and occurs away from premises owned by or rented lo Ihe Named Insured. "Operations" include materials, parts or equipment furnished in connection therewith. Operations shall be deemed com- pleted at Ihe earliest ol Ihe following times: (1) when all operations to be performed by or on behalf of Ihe Named Insured under the contract have been completed, (2) when all operations to be performed by or on behalf of Ihe Named Insured at the site of the operations have been completed, or (3) when the portion of Ihe work out of which the injury or damage arises has been put to its intended use by any person or organization other than another contractor or subcontractor engaged in performing operations for a principal as a part of Ihe same project. Operations which may require further service or maintenance work, or correc- tion, repair or replacement because of any defect or deficiency, but which are otherwise complete, shall be deemed completed. The completed operations hazard does not include bodily injury or property damage arising out of (a) operations in connection with (he transportation of properly, unless Ihe bodily injury or property damage arises out of a condition in or on a vehicle created by the loading or unloading thereof, (b) the existence of tools, uninstalled equipment or abandoned or unused male- rials, or (c) operations for which the classification stated in the policy or in Ihe Company's manual specifics "including completed operations"; "elevator" means any hoisting or lowering device to conned floors or landings, whether or not in service, and all appliances thereof including any car, platform, shaft, hoislway. stairway, runway, power equipment and machinery; but does not include an automobile servicing hoist, or a hoist without a platform outside a building if without mechanical power or if nol attached lo building walls, or a hod or material hoist used in alteration, construction or demolition operations, or an inclined conveyor used exclusively for carrying properly or a dumb>ailer used exclusively lor carrying property and have a compartment height not exceeding four (eel; TUT NS CONTINUED _._and_do_whaleverjelse isjiecessaryjosecurj. DEFINITIONS CONTINUED "explosion hazard" includes property damage arising out of blasting or explosion. The explosion hazard does not include property damage (1) arising out ol the ex- plosion of air or steam vessels, piping under pressure, prime movers, machinery or power transmitting equipment, or (2) arising out of operations performed for the Named Insured by independent contractors, or (3) included within the com- pleted operations hazard or the underground properly damage hazard, or (4) for which liability is assumed by the Insured under an incidental contract; "incidental contract" means any written (1) lease of premises, (2) easement agreement, except in connection with construction or demolition operations on or adjacent to a railroad, (3) undertaking to indemnify a municipality required by municipal ordinance, except in connection with work for the municipality, 14) side- track agreement, or (5) elevator maintenance agreement; "Insured" means any person or organization qualifying as an Insured in the "Per- sons Insured" provision of the applicable insurance coverage. The insurance afforded applies separately to each Insured against whom claim is made or suit is brought, except with respect to the limits of the Company's liability; "mobile equipment" means a land vehicle (including any machinery or apparatus attached thereto), whether or not self-propelled, (1) not subject to motor vehicle registration, or (2) maintained for use exclusively on premises owned by or rented to the Named Insured, including the ways immediately adjoining, or (3) designed for use principally off public roads, or (4) designed or maintained for the sole purpose of affording mobility to equipment of the following types forming an integral part ol or permanently attached to such vehicle: power cranes, shovels, loaders, diggers and drills; concrete mixers (other than the nii» in-transit type); graders, scrapers, rollers and other road construction or repair equipment; air- compressors, pumps and generators, including spraying, welding and building cleaning equipment; and geophysical exploration and well servicing equipment; "Named Insured" means the person or organization named in the declarations ol this policy; "Named Insured'! products" means goods or producis manufactured, sold, handled or distributed by the Named Insured or by others trading under his name, including any container thereof (olher than a vehicle), but "Named Insured's products" shall not include a vending machine or any properly olher than such container, rented to or located for use of others but not sold; "occurrence" means an accident, Including continuous or repeated exposure to conditions, which results in bodily injury or property damage neither expected nor Intended from (he standpoint of (he Insured; "policy territory" means: (1) the United Slates of America, its territories or possessions, or Canada, or (2) international waters or air space, provided the bodily injury or property dam- age does not occur In the course of travel or transportation to or from any other country, state or nation, or (3) anywhere in the world with respect to damages because of bodily injury or properly damage arising out of a product which was sold for use or consump- tion within the territory described in paragraph (1) above, provided the original suit for such damages is brought within such territory; "products hazard" includes bodily injury and properly damage arising out of the Named Insured's products or reliance upon a representation or warranty made at any time with respect thereto, out only if the bodily injury or property damage occurs away from premises owned by or rented to the Named Insured and alter physical possession of such producis has been relinquished to others; "property damage" means (1) physical injury to or destruction of tangible property which occurs during the policy period, including the loss of use thereof at any lime resulting therefrom, or (2) loss of use of tangible property which has not been physically injured or destroyed provided such loss of use is caused by an occur- ranee during the policy period; "underground property damage hazard" includes underground property damage as defined herein and properly damage to any other properly at any time resulting therefrom. "Underground property damage" means property damage to wires, conduits, pipes, mains, sewers, tanks, tunnels, any similar property, and any apparatus in connection therewith, beneath the surface of the ground or .water, caused by and occurring during the use of mechanical equipment for the purpose of grading land, paving, excavating, drilling, borrowing, filling, back-filling or pile driving. The underground properly damage hazard does not include properly dam- age (1) arising out of operations performed for the Named Insured by independent contractors, or (2) included within the completed operations hazard^or (3) for which liability is assumed by the Insured under an incidental contract. NUCLEAR ENERGY LIABILITY EXCLUSION (BROAD FORM) This exclusion modifies the provisions of this policy relating to ALL LIABILITY AND MEDICAL PAYMENTS INSURANCE OTHER THAN COMPREHENSIVE PERSONAL AND FARMER'S COMPREHENSIVE PERSONAL INSURANCE. This policy does not apply: i. Under any Liability Coverage, to bodily injury or property damage: (1) with respect lo which an Insured under the policy is also an Insured under a nuclear energy liability policy issued by Nuclear Energy Liability Insurance Association. Mutual Atomic Energy Liability Underwriters, or Nuclear Insur- ance Association of Canada, or would be an Insured under any such policy but lor ils termination upon exhaustion of its limit ol liability; or (2) resulting Irom the hazardous properties of nuclear material and with respect to which (a) any person or organization is required to maintain linancial protection pursuant to the Atomic Energy Act of 1954, or any law amenda- tory thereof, or (b) the Insured is. or had this policy not been issued would be, entitled to indemnity from the United States of America, or any agency thereof, under any agreement entered into by the United Stales of America, or any agency thereof, with any person or organization; b. Under any Medical Payments Coverage, or under any Supplementary Payments provision relating to first aid, lo expenses incurred with respect to bodily injury resulting Irom the hazardous properties of nuclear material and i.V „ out ol the operation ol a nuclear facility by any person or organization; c. Under any Liability Coverage, lo bodily injury or properly damage resulting from the hazardous properties of nuclear material, if: (1) the nuclear material (a) is at any nuclear facility owned by, or operated by or on behall ol. an insured, or (b) has been discharged or dispersed therefrom; (2) the nuclear material is contained in spent fuel or waste at any time pos- sessed, handled, used, processed, stored, transported or disposed of by or on behall of an Insured; or (3) the bodily injury or properly damage arises out of the furnishing by an Insured of services, materials, parts or equipment in connection with the planning, construction, maintenance, operation or use of any nuclear facility, but if such facility is located within the United Stales of America, its terri- tories or possessions, or Canada, this exclusion (3) applies only to property damage to such nuclear facility and any properly thereat; d. As used in this Exclusion: (1) "Hazardous properties" include radioactive, toxic, or explosive properties; (2) "Nuclear material" means source material, special nuclear material or byproduct material; (3) "Source material", "special nuclear material", and "byproduct material" have the meanings given them In the Atomic Energy Act of 1954 or in any law amendatory thereof; (4)'"Spent fuel" means any fuel element or fuel component, solid or liquid, which has been used or exposed to radiation in a nuclear reactor; (5) "Waste" means any waste material (a) containing byproduct material and (b) resulting from the operation by any person or organization of any nuclear facility included within the definition of nuclear facility under paragraph (6), (a) or (b) thereof; (6) "Nuclear facility" means: (a) any nuclear reactor; (b) my equipment or device designed or used lor (!) separating the isotopes ol uranium or r'u- lonium, (ii) processing or utilizing spent fuel, or (iii) handling, processing, or packaging waste; (c) any equipment or device used (or (he processing, fabricating or alloying ol special nuclear material if at any lime the total amount of such material in the custody of the Insured at the premises where such equipment or device is located consists of or contains more than 25 grams of plulonium or uranium 233 or any combination thereof, or more than 250 grams of uranium 235; (d) any structure, basin, excavation, prem- ises or place prepared or used for the storage or disposal of waste; and (e) includes the site on which any of the foregoing is located, all operations conducted on such site, and all premises used lor such operations; (7) "Nuclear reactor" means any apparatus designed or used to sustain nucleai . fission in a self-supporting chain reaction or to contain a critical mass ol fissionable material; (8) "Property damage" includes all forms ol radioactive contamination of properly. CONDITIONS 1. Premium All premiums for this policy shall be computed in accordance with the Com- pany's rules, rates, rating plans, premiums and minimum premiums applicable to the insurance afforded herein. Premium designated in this policy as "advance premium" is a deposit pre- mium only which shall be credited lo the amount of the earned premium due at the end of the policy period. At the close ol each period (or part thereof terminating with the end of the policy period) designated in the declarations as the audit period the earned premium shall be computed for such period and, upon notice thereof lo the Named Insured, shall become due and payable. II the total earned premium for the policy period is less than the premium previously paid, the Company shall return lo the Named Insured the unearned portion paid by the Named Insured. The Named Insured shall maintain records of such information as is neces- sary for premium computation, and shall send copies of such records to the Company at the end of the policy period and at such times during the policy period as I he Company may direct. 2. Inspection and Audit The Company shall be permitted but not obligated to inspect the Named Insured's property and operations at any lime. Neither Die Company's right lo make inspections nor the making thereof nor any report thereon shall consti- tute an undertaking, on behall of or lor Ihe benefit of the Named Insured or olhers, to determine or warrant that such property or operations are sale or healthful, or are in compliance with any law, rule or regulation. The Company may examine and audit Ihe Named Insured's books and rec- ords at any lime during Ihe policy period and extensions thereof and within three years after Ihe final termination ol this policy, as far as they relate to the subject matter of this insurance. 3. Financial Responsibility Laws When this policy is certified as proof of financial responsibility (or the future under the provisions of any motor vehicle financial responsibility law, such insurance as is afforded by (his policy for bodily injury liability or for properly damage liability shall comply with Ihe provisions of such law to Ihe extent of the coverage and limits of liability required by such law. The Insured agrees to reimburse the Company for any payment made by Ihe Company which it would not have been obligated to make under Ihe terms of this policy except lor Ihe agreement contained in this paragraph. 4. Insured's Duties in Ihe Event of Occurrence, Claim or Suit la) In the event of an occurrence, written notice containing particulars suffi- cient to identify the Insured and also reasonably obtainable information with respect to the time, place and circumstances thereof, and Ihe names and addresses of the injured and of available witnesses, shall be given by or lor the Insured to the Company or any of its authorized agents as soon as practicable. (b) If claim is made or suit is brought against Ihe Insured, the Insured shall immediately forward lo Ihe Company every demand, notice, summons or other process received by him or his representative. (c) The Insured shall cooperate with Ihe Company and, upon the Company's request, assist in making settlements, in Ihe conduct of suits and in enforcing any right of contribution or indemnity against any person or organization who may be liable to Ihe Insured because of injury or damage with respect to which insurance is afforded under this policy; and the Insured shall attend hearings and trials and assist in securing and giving evidence and obtaining Ihe attendance of witnesses. The Injured shall not, except at his own cost, voluntarily make any payment, assume any obliga lion or incur any expense other lhan (or first aid lo olhers at (he lime of accident. CONDITIONS CONTINUED 5. Action Against Company. No action shall lie against the Company unless, as a condition precedent thereto, there shall have, been full compliance with all of the terms of this policy, nor until the amount of the Insurer's obligation to pay shall have been finally determined either by judgment against the Insured after actual trial or by written agreement of the Insured, the claimant and the Company. Any person or organization or the legal representative thereof who has secured such judgment or written agreement shall thereafter be entitled to recover under this policy to the extent of the insurance afforded by this policy. No person or organization shall have any right under this policy to join the Company as a parly to any action against the Insured to determine the In- sured's liability, nor shall the Company be impleaded by the Insured or his legal representative. Bankruptcy or insolvency of the Insured or of the In- sured's estate shall not relieve (he Company of any of its obligations here- under. 6. Other Insurance The insurance afforded by this policy is primary insurance, except when stated to apply in excess of or contingent upon the absence of other insurance. When this insurance is primary and the Insured has other insurance which is slated to be applicable to the loss on an excess or contingent basis, the amount of the Company's liability under this policy shall not be reduced by the existence of such other insurance. When both this insurance and other insurance apply to the loss on the same basis, whether primary, excess or contingent, the Company shall not be liable under this policy for a greater proportion of the loss than that staled in the applicable contribution provision below: (aj Contribution by Equal Shares. II all of such other valid and collectible insurance provides for contribution by equal shares, the Company shall not be liable for a greater proportion of such loss than would b,e payable if each insurer contributes an equal share until the share of each insurer equals the lowest applicable limit of liability under any one policy or the full amount of the loss is paid, and with respect to any amount of loss not so paid the remaining insurers then continue to contribute equal shares of the remaining amount of the loss Until each such Insurer has paid its limit in full or the full amount of the loss is paid. : Ibl Contribution by Limits. If any of such other insurance does not provide (or contribution by equal shares, the Company shall not be liable for a greater proportion of such loss than (he applicable limit of liability under this policy for such loss bears to the total applicable limit of liability of all valid and collectible insurance against such loss. 7. Subrogation , ' In the event of any payment under this policy, the Company shall be subro- galed to all the Insured'* rights of recovery therefor against any person or organization and the Insured shall execute and deliver instruments and papers and do whatever else is necessary to secure such rights. The Insured shall do nothing after loss to prejudice such rights. 8. Changes Notice to any agent or knowldege possessed by any agent or by any other person shall not effect a waiver or a change in any part of this policy or estop the Company from asserting any right under the terms of this policy: nor shall (he terms of this policy be waived or changed, except by endorsement issued to form a part of (his policy. 9. Assignment Assignment of interest under this policy shall not bind the Company until its consent is endorsed hereon; if, however, Ihe Named Insured shall die, such insurance as is afforded by this policy shall apply (1) to the Named Insured'* legal representative, as Ihe Named Insured, but only while acting within the scope of his duties as such, and (2) with respect to Ihe properly of Ihe Named Insured, to Ihe person having proper temporary custody thereof, as Insured, but only until the appointment and qualification of the legal representative. 10. Three Year Policy If this policy is issued for a period of three years any limit of Ihe Company's liability staled in this policy as "aggregate" shall apply separately to each consecutive annual period thereof. 11. Cancellation This policy may be cancelled by the Named Insured by surrender thereof to the Company or any of its authorized agents or by mailing to the Company written notice stating when (hereafter the cancellation shall be effective. This policy may be. cancelled by Ihe Company by mailing to Ihe Named Insured at Ihe address shown in this policy, written notice stating when not less Ihan ten days thereafter such cancellation shall be effective. The mailing of notice as aforesaid shall be sufficient proof of notice. The time of surrender or the effective dale and hour of cancellation slated in the notice shall become Ihe end of the policy period. Delivery of such written notice either by Ihe Named Insured or by the Company shall be equivalent to mailing. If the Named Insured cancels, earned premium shall be computed in accord- . ance with the customary short rale table and procedure. If the Company cancels, earned premium shall be computed pro rata. Premium adjustment may be made eithe, ..; Ihe lime cancellation is effected or as soon as prac- ticable after cancellation becomes effective, but payment or lender of un- earned premium is not a condition of cancellation. 12. Declarations By acceptance of this policy, Ihe Named Insured agrees that the statements in the declarations are his agreements and representations, that this policy is issued in reliance upon Ihe (ruth of such representations and that this policy embodies all agreements existing between himself and Ihe Company or any of its agents relating lo this Insurance. IN WITNESS WHEREOF, the INSURANCE COMPANY OF NORTH AMERICA has caused this policy to tie signed by Its President and a Secretary at Philadelphia. Pennsyl- vania, and countersigned on the Declarations page by a duly Authorized Agent of the Company. ; HARRY I. HUH, Secteliry JOHN It. COX. Piesident .:•;<•" ^^'^ ^•INSURANCE .ijpjiji1/^ Qv^'l^K; :^ ;.' '"<<' GENERAL liABJLlTY POLICY-f. ? i i ' : ? : ; : ; : - ;^r:V;y^ DECLARATIONS ?:. '•'.'.", ••••.•!'., .,»>' ;.;. v •••••?* • ; ' . . • • ' • , • • .'• v - - ! • • • >•.••••>••••:•. - • J - • • • Named.• ....,'• «Insured.;. ',: ./;'-*-S. ' ;j :.••'.;•* • Address >. ' :. ' ^V- ;«:j_ ;'":*.$>*.':•'";'. < Policy Period: From '.' Janua Occupation: ••,>'••' <• .'f > ' ,; " •- jljc-ri-vj Audit Period: Annual, unless otherwise staled . . nil ol (n"e1Compan/$ ilabllit/agalnsl 'each j. J.^j^^'j^,;'':.' t:-* •^;..v-jt-?ij!':i:.' . . _ _ The' Insurance afforded is only with . fcpecMo' iubh'ot .h'e'followlrig Parif anTcove. w ft such Coverage shall be as 'slated herein; subject to all of the terms of the '' By Mf Hi li • ' : .COVERAGE PARTS y, -L^'i^if''';':'" D Comprehensive General Liabiiitjrjhsurance\;j'.- '!;.*'.;,!j j .''•-, Q Owners', Landlords' and Tenants' Llaoility Insurance ^'i^'-y •. I '••',;• D Structural Alternations, New Construction, Demolition V j '•".• • • • • ' . • .•.:..!!••••.';.,:•;•': j ; % .;';,;:,• , ' ' . ' • D Manufacturers' and Contractors' Liability Insurance^-.'. 'V ' v.;> •.•;.'.D independent Contractors'^'v^'^.^i;^^';^:'';'.;,^^ ..•' 'Q Completed Operations and Products Liability Insurance ; .' •" • ' -." V{SM"I'' - '• ., •• .f-:'"-'-.' ; .'•' n Contractual Liability Insurance '«('•>•« < '•'••''» ','• "•;-.'••' '';'•/ ^^ ' • _ ' . , ' '• l"' ' '-* • • ! • ' • ' f3;Garage Insurance,1^;;/;:', ^'yv'^'"''''' '';>':'• /^'1«;J/ Bodily lnjury,llability •'.' 'each occurrence ^'' ' " ' " ' ' ' .''T^^v'i.^1 !pi'^ . LABILITY i^!i>:i»:-^: s'.:tli'- J;fProperty Dimaee Liability • ^ -lJ ' (jii.':. each occurrence ^.' &--.J . ;.;;:Form'L4061S ;•!;;'. aggregate '. ';.".•:•',}•• ..'r'rf'v.';. •* ' li-r> • ' . • ••- •-•-.>;'. • ;i ;J-.,.:':'.:J.;-;i;;;,. Attached .' . Q Comprehensive Personal Insurance':i,':';!j -:: : v. . • . .:. .,'•,'•'' !*'*"•' .;•'' • D Farmer's Comprehensive Personal Insurance • ; :' -•^3i^;^^ . ; - ! • • < • . ,! -^Perjonal Liability^?, 'j.^l^j^1.^ Personal Medical Payments •-''•'!' :.'••'.?; -t' : V; each' occurrence' t|j8iJ# V . v : ^ K l .;:»?•:•'• Physical Damage";ttliProperty i;:^^r-« -•,<•:.. -;iv- '•'••'-'fe'i<'t-*'*each occurrence" >^:- each accident /-^U? * : '- ^'' -I'-^i .v '; Animal Collision—Farmer's Part Only ' Market Value hot exceeding $300 each animal SPremises Medical Payments Insurance ...; ;; ;:^ ;> >;^:/; ; •• ! v ! each'accident 061S:^ : ..Attached . .• .1 :i.-.s''-.i' •, . , - * gXPersonal 'niurX Liability Insurance-' 11'. .;, «. ;'i;'.'. i- ;. . y : - - ' \ • . . • " v - . ' - ' ' - - J . ' V-V. ''-'/it M";-;:;.' j; i;each persor|'aggfegale''^.'|,'!:;.',!':. !&''-Per:^iv ftr-'--^-^ -V(': i.'.f'.-'•>•••[Vfe :,'" .'.y1,"^;.'^ general aggregate : >:' jV;.^U065S^ V Attached Endorsements attached to policy at Inception:'. ' v;>^i;:;> L4061S; Ail8;'\Endorseraents.''All'ij..!lBV^l(:!^fCAii3^.|5i;.s').V>!V'V:.' -.;;;,'.AMl,: - , . / • : • ' • • ':\.,>;•: •'•;:;.;:•;• . A409; L4062S;:.;L4065S; ..E.L.,. ^£>f l;:.^!^!!^ • '<^ During the past three years no .TOTAL 1 ADVANCE PREMIUM "; * .•.:*'- v;;^.',^Effective Date; • . •'''Vf-Sflsl Anniversary •' .-' '••! v-t-'v-^ Anniversary , ;;'j VT.cTwiirjtiniK anH rnvcrAcp PsrK?) wilh Policv Standard Provisions and Endorsements, 1 i'f'any; issued 16 form a'pari.ihere6f,'Cbrr$itRr.ne above humtered policy'.'" GAKAbt SCHEDULE I Gehefai—Autoaioblie Liability Policy No/41 ST 85 73 36 Item 1. The insurance afforded is only with respect to such of the following coverages and hazards thereunder as are Indicated by specific premium charge or charges. The limit of the company's liability against each such coverage shall be as.stated herein, subject to al|, the terms of this policy having reference thereto. " '.' '• : . - • ' .'•'•'•' • '' '"•• 'i- , - . ! ' : •••• ' •'•"•.:.• • '•;'.'-'"''•'"' ' : COVERAGES Garage Liability G. Bodily Injury Liability H. Properly Damage .. Liability Expenses for Medical Services ' I. . Automobile Medical Payments I. and J. Automobile and .' ( Premises Medical Payments Garagekeepers' Legal Liability K-l. Fire and Explosion :'.' '•" K-2. Theft of the entire automobile K-3. Riot and Vandalism K-4. Collision or Upset HAZARDS Automobile Hazard f Automobile Hazard 2 Automobile Elevators—"Pigeon Hole" Type '••••<• • • ' ' • • Automobile Hazard 1 Automobile Hazard 2 Automobile Elevators—"Pigeon Hole" .Type ' ' ' ' ' • : ' Prem. Rate: Percentage of Cov.'>G Prem. ' ' ' ' ' LIMITS OF LIABILITY $ 100 ,000 each person i.' 300 .000 each occurrence $ 25 >°00 each occurrence subject, .to XXX deductible^ as set forth In Limits of Liability provision See Endorsement'f'A" $,. 1,000 each person . ''4. ;" See Endorsement-"A"; Attached Specific limit per location as stated Injteni 3 subject to:. ;.".;•.-. $25 vandalism deductible !y': !v:V ' '•• ^ ' . • ' '' •'" ;l -'': :'' .. .-i}»i i : -'-a ; ; • J ,,.;.;•• • deductible:^''1 limit ol liability Includes $5000 limit (or leu to proptfty ether than automobiles Total Advance Premium $ ADVANCE PREMIUMS $ 6.158 3.059 597 153 Incl. Incl. Incl. 2. (a) All automobiles owned by the named Insured are used principally In garage'operations of the named Insured, except automobiles (1) assigned to the named insured, a partner therein or a member'thereof, or-an executive officer, thereof, or, If a resident of the same household, the spouse of any of them or (2) furnished to any person or organization named In paragraph'(b) below.:' •;.'..?•;•• « •• / > , . (b) Automobiles owned by the named Insured are furnished to the following persoris or organizations for'their regular use for other business purposes or for non-business purposes (do not list the named Insured, any. partner, member/'executive officer or, if a resident of the'same household, the spouse of any of them .unless more than one'automobile is furnished concurrently to such person and then show only the number of automobiles so fur- nished in excess of one): '•<••'••• ••••••."'<' '• '• . • "•/- .•-' ,'. .$,»•/ i,i:;-i.~.<i .' ' . ••• :r M. > • • - • /:/•- V Number Nam« Nime L ' o( Such J AuloiiMbllei N«mi. Name' Number ol .Such Uut»mobll«i 3. The following are the addresses of all premises where the named Insured conducts garage operations. (If more than one, see Schedule attached.) Loc. No. Address (show, main sales loca- ; lion, if any,'as. Location No. 1)'. : 405 Anna's ••Retreat .'"': St. Thomas'{'-'V.I'. ' . ' > ' . ' Automobile Elevalors-4-"Pigeon Hole" Type, " ' . i GARAGE LIABILITY'•';'!'" Premium Basis - :. Class •;,'Remuneration A ; •;.::>|:fi/f-j!:V'.1j:; B -:/i';:——^;;itf'-!;, C' ^.^fti'-Z: Total t'.pn'^:File Furnished Automobile '.' .'No. .Insured ' •• •;•. 1 .''' '!• ••.'. •• -/: ;. •,''••. ,r;V;'•'•;!.• GARAGEKEEPERS' LEGAL LIABILITY Man. No. of Customers' Atitomebllei Stored ,i, 35 Limit Of Liability $ 30.000 :•*•• Coverage 6 | Coverage H. Per* $100 of Remuneration -.HI ^Advance Premium 1' Coverage G. $ • * * . • Coverage H ^ :..':, Minimum Premium Coverage G •Coverage H $' ' " v Coverage I $ Coverage I t J • ',,,Jhe'business of the named Insured at. Location No. 1 is: . r-ri Franchlsed'i •"* ntH Non Franchlsed •• n v,-> -'it'nQ Repair •; •l_JDealer;'.'-ji,;.;UyDe«tler., ,; ','.J.-'-.f:l!. LflShop Q Service /.i • ,r~l Storafe Cerate or r. \ut i—i Equipment end .Stetlon v.jVf LJ Public Partln|(Place ,'J; • LJ Implement Dealer ' '""';"' , . tUSE TOTAL REMUNERATION AS PREMIUM BASIS FOB HAZAHO'2. '•:.•••>. ', '.' !.n ,< When used as a premium basis:''',•* 'l|;l'!il'.;';. 'f•.?'".'.* ',''.•,'''',''..-.'j.1!'.'; ,;'.1!.?i',''''/''/''!AWj:1^';;;]^:^ "" i ' • ' ' • . , ' . - . \" • ' ' ' "'' "remuneration" means (a) the entire remuneration earned during the b'olicy period by'each'-Cla'ss'A employee and each Class C.employee of the named Insured, subject j an average weekly maximum of $100, and (b) the remuneration of each Class B person at a fixed amount of $2,000 per annum with respect to Dealer Risks (Hazard II __ _ji $5,200 per annum with respect to.Non-Dealer Risks (Hazard 2). ^ ^ ': •:,•: . i;,/.;:,'^,,,^ j",',.',;!'..•.; ,-, :r. '<-. -. r •;••,•:• I ;;••';.' "Class A" means all clerical office employees. •'• ; . . • ' • i' ' .. "i !i:r''j<:i'v ':::'•'':', ' i' ; ."Class B" means all proprietors and officers active in the business, and Inactive.proprietors;'br;,'officers (oilier'lnan' an inactive proprietor or officer who Is a spouse :of an active proprietor or'officer) who customarily drive-an automobile'owned by the named {Insured; and all:'salesmen, general'managers, service, managers and ^chauffeurs. • ' .;: ''•;.:,' '^ J,^' : j'"^! r,fi^ ('-.;;...;^:;(:.:;.^r> ;-.;/./l^':;•}>• .;',,',: ••-,.:•: /, ,. , :,.••/'.-... . * ••• "Class C" means all other employees: !'•!•,'.'. •,'.. ..'/;.!;:.,:'"' '' • ••'••'• •':''', f 1 ' ; ' V l:iij];ii"i'r'\!i|('ii '•/ \': •'•[••'.'I. t-f •'•• ' ' • • > ' . ;;•>;• - ,prm NO. LW1S „. ,,« „„. ,^ ^ ( ,^ ,; ^, ^ ^j^$^ ^\$&? ' ' *'* ** "' " '= ' " ' ' ' ' " I. GARAGE LIABILITY- • . : • . • - • ! . .•., --'I, .-. ,:•;; j , : ;•' - ' • ' . ' ? ••• i'---: ^COViRAGE G-JOD1LY INJURY LIABILITY '' ' '" " • .' • • !: •' '''''" '^COVERAGE' H—PROPERTY DAMAGE LIABILITY ' '-• . . '' The company will pay on behalf of the insured all sums which the Insured shall become legally obligated to'pay!as damages because of •_', .. ,,...-,.„, ,.'.,. . ., • . . . . , ^Coverage G., bodily injury or,,':;,.: *, .'•.'.'•.;-.'ij;. i» .'• '• . • • Coverage H. property damage to which this insurance applies,, caused by an occurrence and arising out of!garage operations, including only the autombbile hazard for which insurance is afforded as indicated in the schedule, and the company .shall have, the right and duty to defend any suit against the insured seeking damages on account of such bodily Injury or property damage, even if any of the'allegations of the suit, are groundless, false or fraudulent, and may make such investigation and settlement of any claim or suit as it deems expedient, but the company shall not be obligated to pay any claim or judgment or to defend any suit after the applicable limit of the company's liability has been exhausted by payment of judgments or settlements. J !i!"i-vr>" Exclusions ' . ..;. . ].''.,u'u.'i!".'.',. i-. (i ;. .'. ,,: ,-.-rr , -: ;,', ' m-•.!••» This insurance does not'apply,'under the Garage Liability Coverages: (a) to liability assumed by the Insured under any contract or agreement except an Incidental contract; but this exclusion does not apply to a warranty pf.fitness, or quality of the named insured'! products or a warranty that work performed by or on behalf of the named Insured will be done in a workmanlike.manner; : (b) to bodily injury or property damage .arising out of the ownership,' maintenance, operation, use, loading'or unloading of any escalator or Automobile Elevator— "Pigeon Hole" Type at premises owned,' rented or controlled by the'named ' • • insured; but this exclusion does not apply to an escalator or Automobile Elevator —"Pigeon Hole" Type at premises which the named Insured owns, rents or con- trols only in part'unless the named insured operates, maintains or controls the escalator or Automobile Elevator—''Pigeon Hole" Typej' • ''V:"1',',,";';,;;'.'.' (c) to any obligation fori which .the'insured .or any'carrier as his Insurer.' may be held liable under any workmen's'compensation, unemployment compensation or disability benefits law, or under any similar law;. ,-• •;• .••<.-'-ii-<pi;i!j.|.' r ' (d) to bodily injury to any employee of the Insured arising out of and In the course of his employment by the Insured or to any obligation of the Insured .to indemnify • another because of damages arising out of such injury; but this exclusion does .. not apply to: . .. , . ,.-',. •• - ,.-.,„,,- .,•' • ; 1 . (1) any such injury arising obt of,and,In .the,course of domestic,employment •v by the insured unless benefits therefor'are in whole or In part either pay- 'liable or required to be'provided under any workmen's compensation law, or (2) liability assumed, by the, Insured under an Incidental contract; (el tp bodily injury or. property 'damage-arising-out:of .the ownership, maintenance, operation, use, loading Or unloading of any ' ".' ... (1) haulaway, tank truck'or tanV trailer (of any vehicle used therewith) owned, , . hired or held for sale by. the named insured and not being delivered, demon- '.strated or tested, '•• '""!- "' ' ' . . . . (2) automobile- • ', r.'t T.'iiiii'Jl (i) while being used in any prearranged or organized racing, speed or demolition contest or in any stunting activity or in practice or prepara- If) . carrying pFoperty lor 'a 'charge-, •:|ii'r-."f. n\ ,•:,••! \.i" '','•••' '(3) 'watercraft owned 'or operated by. or rented or: loaned to'anV Insured.'pr any, other watercraft operated 'by any person in' the 1 course of his employment by any insured; but this -exclusion le) (3) does not apply toiwalercraft while • ashore on premises owned by, rented to or, controlled by the named Insured; (4) aircraft;' ; :; •• ~\ \, •'••••<• ,i-\- • ••••..?\* • • p • .<.\ •••••••; -71 .'.^(w.- •-; to bodily injury or property damage arising out of and occurring in the course of structural alterations, new construction or, demolition operations performed lor the named Insured by. independent contractors/ or acts or omissions of the named insured in connection, with his general supervision of any such operations; buti this exclusion does not >< apply- to operations of which, the company has written notice within 30 days alter the commencement thereof; >. >| •<.,•:<!••<••< n) (g) to property damage to''T';;!)l" '.!(!. I- " "•'" ' V!'1 :;;." '•• '.I-.'-MUT-I. [|i-. w- •(1) property owned by^' rented to or held tor sale by the Insured, ^p'r',,;.'1 , ""' •'• (2) property in the. care, "custody'.' or..' control, of "or being (rahsporte'd .by tne 'Insured or property as to which the Insured Is lor any. purpose .'exercising - physical control;" •"'."'.; ,'„!',,',!..'..,,' •'..','. ...'„,','.'. . '.. .-'„ '.'','.',! .''.'. but part (2) of this exclusion does not apply to property damage arising out of the ownership,. maintenance or' use at the premises of any automobile servicing hoist designed to raise the entire automobile, or to such Insurance. as. is al- torded for the use pl( elevators at the 'premises; '..'. . ,' . " , . :' . ,V,','.' ,','., (h) to property damage to premises alienated by .the named Insured arising out of . . ' such premises or any part thereof; : ' ' ' I- • • • • : ? r,--:., r . ,, . ol use of tangible property which has not been physically'injured or ^.destroyed resulting from - Wi!rr ^ • " ; TflVvX"-"''"• 11 ! ".. • '"yri'iii" ,-i.yi.';,;:,v; t&»^ *-AVf:;s:i ••..:'... I; 11) a delay in 01 1.11.11 u, ^cnumim.*!. .,, „, ... ..... ;, ,,.'..• any contract or agreement, or j p r . ; : : •• • • ••• ij."-(2) the lailuie ol >„. named insured'! products or work performed by or on jjV behalf of the ; named Insured to 'meet the level of performance, quality, ., ,,. fitness or durability .warranted. or represented by the named Insured; but, this exclusion does not apply to' loss' of use of other tangible properly . resulting- from the sudden and accidental physical injury 'to or destruction of (i jthe named Insured': products or work performed by or on behalf of the named Insured after such products or work have been put to use by any person or organization other than an; insured; -.'•• . -j, n-:; \\ •• -,; • . ,- • . (j) to property, damage to:any of the named ( Insured's 'products If such property damage results -Irom. a condition existing in such product or any part thereof ajj.lhe, lime 'possession is relinquished to the purchaser thereof; (W.tQ property damage to work performed by or on behalf of the named Insure! '"' arising out of. the work, or .any portion thereof, or. out of materials, parts o equipment furnished In, connection. therewith; :_. . . ,.. .. ' . (I) id. damages claimed 'for the withdrawal, inspection, repair, replacement, or los1 ,: i of ose i of the named Insured's products or, work completed by or for the namei Insured or of any property of which such products or work form a part, if sue products; work or property. are withdrawn from the market or from use becaus •„, of any known or suspected, defect or, deficiency therein; •. ,. , , , (m) to' bodily Injury or property damage 'due 'to war, whether or not 'declared, civ '' ' war, Insurrection, rebellion or revolution or to any act or condition incident t any of the foregoing, with respect tp . (1) liability assumed by the Insured under an' Incidental contract, or , • (2) expenses, for first aid under the Supplementary Payments provision; (n) to bodily injury or property damage. for which the insured or his indemnik may be held, liable -,,r. ....... ,; .,, (1) as a person or organization engaged in the business of manufacturing, di . tributing, .selling or, serving alcoholic beverages, or , . (2). If hot so engaged, as an owner or lessor ol premises used for such purpose If such liability Is Imposed i'' ••<• •': \i\ <•;• '•••••. • . ' - • (i) by,' or 'because' of the violation r of,' 'any statute, ordinance or regulati- |J/ 'pertaining to the sale, gift, distribution or use of any alcoholic leverage, o '>' (II)' by reason' of the selling, serving ror giving of any alcoholic beverage to . , ; . ,minor: pr| to a: person -under the influence of alcohol or which causes \-\\ contributes to the Intoxication of any-person; . •• ••; ' ; •; '• •'.- . but' part (ii), of i this exclusion does not apply with respect to liability of t Insured or his indemnitee as an owner or lessor described In (2) above; (o) to bodily Injury: or 'property damage' Irlsln^ 'out1 bf the discharge/ dispers , release or escape of smoke; ;vapors, soot; fumes, acids, alkalis, toxic chemica liquids or- gases,' waste materials onother irritants, -contaminants or pollutai •Inldvor upon land/ the atmosphere >or 'any 'watercourse' or body of water; t •this 'exclusion does not apply If such (discharge, dispersal, release or escape .sudden. and accidental. ::- ;.,•,.'• -,. -,-•. | ^.•^fisE'^u^Eoie^ ' . •.,..;,; ! ' :' ..i'i .COVERAGE !— AUTOMOBILE MEDICAL PAYMENTS - " 'COVERAGE J-1-PREMISEJ5 liiEDlCAL PAYMENTS • ' ' ' ' ' ' i . ' 1 '' ' IIC-III*';,. - .... . .. • Jhe, oompany will pay ;all -reasonable medical expense incurred within one y jfroni the.-date.- of, accident:' - ' ' ' . - . , . : Coverage I. to or for each person who sustains bodily injury, caused by accidt iicTn?:;'!, while occupying any automobile which is being used by any per: i||i ,•>•?'. whojls an Insured i under the -bodily Injury liability coverage with . tp SUCh. USB; .; :,.i:nJ| r! : Coverage J.' to or for" each person who,sustains bodily injury, caused by accidi ' ! !'' \.<? <;"and arising but of the ownership, maintenance or use of the premi •;I;M''. r for the purposes of a garage, and all operations necessary or incidei bi'vu;-'* thereto'.''.;';, i >•• ji'1' ••'••••'.] - -.;•••• . •.-•• • • Exclusions,,,., :j j^:. '•,:,',',, ... ;, ,.•...,',',, ;r(Thls insurance does not,apply:. ..HH-M-, r , - |. •' '• (a).urider;the.Automobile,Medical .Payments .Coverage, to bodily Injury sustai PI (byjany 'employee,of. an Insured underJhe bodily Injury liability .insurance ari: ,001,01. find,in the course of his employmeot by such Insured; (b)i'u'nderl{he'.,Premises Medical Payments; Coverage, to bodily Injury sustained i(j)>any person-while-occupying or thrbugh being struck by an automobile a ('.) I'.- |>from',the premises;: ' -i |I:MJ-V[- C i - | i ' - - - ' . ; • : •!•• •; --| : I (2)'any person practicing, instructing'or participating In any physical trail •• sport, athletic activity or contest; • (l. . (3) the named insured, or any partner .'therein or member thereof/or any ployee of, the named Insured arising'out of and in the course of his emi iment by-the named insured; i |;---i:-) 01 j'f : : . • • • • \< • •• • (4) any person: while engaged in'maintenance,'alteration, demolition or construction''operations'for the named Insured'or for any lessor of 1,1 .premises;,,, ,..,•.-:., ,.-, ®K?&IM^ •:.;:,-•/,...,!.; ,i-,iv' 221.4 "'•": apply to an escalator or Automobile Elevator—'.'Pigeon Hole' Type at premises : ;i/s.wi.'same^nousehold,! uri ! which the named Insured'owns, 'ri'nts' or,-"controls only in part unless, the ••;••"'/.''-•r^-rcustody of:the nami '.'''• named Insured operates.'-maintains'orLcontrqls the escalator pi Automobile ; •• '".•n-J^'pecuhiary charge ha: : '•;'Elevator-'Pigcon Ijole^Jype^^:^^;;^!\,fff ^ •:'..' l'!^.{•.&••?vVfajriithe-cilstody of: the" ni . ti\ (.iriif.inr*l ^Ifar^linnc ' naui . fnnefrnrlnnnr.H0mnlltirin nnprahnnc fnrMhfl'V. . / r'"l i'. .1 .< • i ' I : * (c) under the Premises Medical Payments Coverage, to bodily injury arising uui ui _.; m v,i,,^.~, -. .-.. (1) the! ownersli.p, , naintenance,'- operation, use, '•'loaJI-g or unloading'of! any'«•:['!:* !,(i) the'named Insured or'a partner'therein'or a member escalator or •Automobile Elevator—"Pigeon Hole" Type at premises owned,'- fa'ty"^.spouse of any one of them if a resident of the same household,. .'.' rented err controlled by the named insured; but this exclusion (c) (1) does not ; ' :;.-(ii) an employee of Ihe named Insured or his spouse If a resident of the '"••: apply to an escalator or Automobile Elevator—'.'Pigeon Hole" Type at premises '• ;i/s.Wj.s'ame^household,! unless, the 'aytomobile' or other property Is In the ... L,.L .._- -__., ,_::.„,.....•. .....L...-;.-...... ..... !. „.,. ....... lu. ••. ..owi , , , ... name^ |nsureij undef'an agreement for which a specif : has, been made, or.;->• -, . ,. ; •/'.'.•• . . . , , . , „ . . „ . , , , ..,.,.. ., . • , • ! • • — •••-••• - — — / - • »i« named Insured, foldemonstralion or sale; .':-'• (2) structural, alteratlohs 'new- construction or. .demolition, operations for'the y^:^ |0Vi'by;theltidue lo any fraudulent/dishonest or criminal act by Ihe named -' named Insured by Independent, con factors, of their subcontractors 1,;, or. , .,,• \n^tA''3 partner therein/a member.'tHereof.br employee,'trustee or authorized omissions or supervisory acts,of jthe..jnsur.ed .in connection .fherewith;„,. •:.l:.:;v'.'-jirepresentative.;ihereof,iWhether-worklng.pKotherwi$e.and whether acting alone (d) under the Premises Medical Payments Coverage, to bodily iniury resulting from.. ; 'Vbr In'collusion with others';'.".'•' •'i'v afe'*'• • • i!.-'i.'--: •' ' the selling serving or giving of'any alcoholic beverage (i) Insolation of any. ., ((jj $ ,^< .^ • ^ ^ the use of any ilmhr/.or any. automobile servicing hoist • statute, ordinance or regulation, liO to a minor, (ill) to a person under the in- ,j ,^ di'j.ned i-r|.e .. enlie .utaraBh'ii.;'{jV., . , , .. . ', . ,' fluence ol alcohol or (iv) which causes,or contributes.,lo the Intoxication of-;. ^'?es!B?^,l° ['?'-.*!!:••""['.,?"i"''l.ilJ.t;::L,:L^ -" ' ' •' any . business .. or,.il but . owner.. (e) under 'the Premises services by the named zation under contract t (0 under:, the Automobile injury sustained . . . . . . . ^ ^ _ Coverages: • ••f 1 ' . •• •' • "''•.. ' automobile hazard: irof.the named Insured while acting Ch," ~«.... i, ,i'. l('. ; , .'••''•''. '•'. letdeclaratlons as an'individual, the GARAGEKEEPERS' LEGAL COVERAGE K-1—FIRE AND COVERAGE K-2-THEFT COVERAGE K-4-7COLLISION. The company will pay oh. become legally obligated It K-1. loss to an automobile-caused by lire or explosion other than i • • • • : • sion of tires; ••'»-••:«• :.-.lV'-:' •:{) f'- :'-;. - !'::' '••< :'W •-.-. • .1- . V i| |;;-.-.i! ;iv ([•<••; .i^i'Ji'^u: : -: . -, >...';•',CM property with another;, amount stated deducted from the become legally and ,the limit' direclo ', in the ordinary course (2) away from the premises if and. .tlie, company shall'have I insured .'seeking damages on ' of the'suit are groundless;'! . and settlement of any claim or. sUir:as;il,deems.,expedient,'bul the, corhpany shall, -t:. :..vai,,qwneu;uy;sucn.person..or.;oigani»uon,or.oy ;a-,memoer winer not be obligated to pay any cla.imyor.'iudgm'enO'or lo^defend. any. s.uit'a^^ : ,.* , applicable' limit'of. the company's'.'liability has 'been'^exhaUsted .'k-: '•-—•^--' •-«''•"•• •< <«•——...i.- .1 ..XI.L u.^ i...- t:—i——i •_ —IL— t.. .L. —. . judgments or settlements..^'.'ti1^ 'ij' liiii c^',';iii'i;'vi:;r:j;; i/.. The. Supplementary Payments;-provisions q(-jthe;-.poiicy 'are insurance afforded for Garagekeepers'.. Legal Liability, except out part (a) to,liability of the insured under.any agreement lo be responsible.for. loss; •.'iVr ,i B;i^ljpder.ithe'GaragekeepersrtLegal Liability Coverages; II 0( (b) to an automobile or other propertyr- ' ":'i' - :-.;'. . :/.:''.'""'..''^^'jvi'^f1 lajiihe .named Insured;'•' (b) '(b) if the named insupdts designated InMhe/Kclarations as an person so aesii^ated but only with r»c(ect to the conduct !!•• li of which J)*^ the 'sole/proprietorxmd\the spouse of the^ ,.„.. with rystfect toNjie j conduct 1 of sucn a buiiness;:' .j,.x^tr,r nr ^fx'vhnlfW nf trre nam i i(-..",' .'the'' 1 fvi.li PpLl Insured e' 'named^tfsured .'whlie buslnesr^^ThlsslnsWricei applies" only to 1. Insured ^occurs"wHninMhe territory descril \i""''' '.;';•* policit/nrritory\' ',!;f- ''*tf'\\-'j/f, leV'ing'? :$$*&?; ••--iMtj^r^' -Injury,'property damah or loss wl paragraph (I)j)H2} of t\e definition ,«'. • *S :' \ ; . •- , . . - , ••:••• • •-.<• (b) if ttje named Insured is designated in the 'declarations' as an Ihdiyldual.itrie:.: •r^i.JWj ' ' . . • . . . - . . . . . . . . . , . . • . . , .-,,...... "earaje", means an .automobile sales agency, 'repair shop, service station,! .Mr««^?.{^%iPJ.r.klrJ'-?la.c?^i';';>\:^^ "garage. operations" means' (he ownership, maintenance or. use of the p wnership, all opera ol any automobile which is partner (herein or a :any suqh person. storage | •-. • premises .... .......... ...... _....... for ilie^purpbses'pf.a'garage and all operations necessary or Incidental thereto; rtv damage to such auto- '/•'•: "idss'7 means' direct and "accidental lossjof or darnage'to'property which' occurs fcs^pSSSPjip^licy^WV-S;:T*&:•.•&•».:•. y;:; :>'- H rms'of this policy 'apply .V .medical expense" .means, expenses for: necessary medical, surgical, x-ray and •,; dental; services. Including prosthetic dev|ces, .and necessary ambulance, hospital, i professional;nursing.'andifuneral.serylces;,;;,^^ ';_ v:_ i(| - .; ;; i "occupying"., jnearis In; or 'upon or enteringHnto. dr. alighting, from; • : ."nr*mit*««" 'lna«ne nr»mle*« uiharrf fha namail 'tnCiirvrf rnnfliirte n*nn» nnvral 7(Including-.loading or-unloading) of operations; and (2),the occasional '••-'•' for non-business purposes of named Insured ana used prin- or use of the use of ' plicable to,"each person 1 : including damages for care by one person as the result ages, • including damages for car'e and loss of services, because of -bodily Injury;.:*"! '; sustained-by two or more persons as .the. result pi any .one occurrenceisnalhnot: .;.£. exceed the' limit of bodily injury liability "stated in .the schedule as applicable'to *£ '•. "eaclv occurrence". _.- • .\-Yl'£i&-'l.M!^'%'.l.W :; Coverage H—Subject to the following paragraph,,the total .liability of the'com-'!',:^ pany for all damages because of all property damage .sustained by one or. more -j!,; ..•'.persons orjorganizations as the result of.any one.occurrence shall not exceed the!. •:'> •', limit of property'damage' liability-'stat'ed' in' the"schedule"r as ..applicable ,to ;"each -j't'V occurrence 1'. ' !.'.'l •->jv'li'i T\ 1 . >,.';V:' A'-'- .'•'''•'''.^.i'jiivjv'^'vi' With respect'to property damage-to any automobile arising put of work,corn-:j.s, •'. .pleted by or for the named Insured:upon such automobile or part thereof,.$100...;,' shall be deducted from the total amount of'all sums which the Insured shall become •*•;;. legally obligated to pay as damages on account of proper! mobile as a result of .any one occurrence, and the limit ol . shall be the difference between such deductible amount and Damage Liability sJated in the .schedule,. All of the'terms'of this policy'apply j irrespective of the'application of the deductible amount.and the company may pay ' ;'•: any part or all of the deductible amount ,to effect settlement 'of any claim or.suit-^ ' and, upon notification of the action taken, the insured shall promptly reimburse.the' »'•,, • company for such part of the deductible amount as has been paid-by the company. • s- = Repairs by the named insured shall! be adjusted at .actual cost to him of!labor.'•$.'. \'a^i d materials. . .i, u :_ i:..' ' >\ '...-:-....<• • '.• }..'*•:':'k''"*'^'' "v!'i'sii6h.premlses upon whichi business opVatio'ns. are conducted by any o'th'er "— Coverages G and H—For the purpose of determining the limit of the'Company's >•' :i.orl'orgahlzatiori;">-'vWHi; 'i'..'1'1,'^; '•''fe"'!1 '''**• •'"'"•''•' ' ;- . liability, all bodily injury and property damage arising out of continuous or.repeated '•".'^'/'trailer'1'fhciudes' semi-trailer 'r ': •;'it' :T^ ' : ' " ' •'' exposure to substantially the same general conditions shall be considered as arising :.'.;.:^..,^.:j* .!.... ,,... • • • - ^... •: ^ :_. out of one occurrence. . , . ': ; ; •' ,i : . ]j' •<*$£?.. •','••• i'}f"<^"i'<•••'• ;'.''!!v-,-•. • Coverages ' schedule •.••'- for al| ! • Injury . Coverages K-1,'K-2, K-3 and K4Ti$ufjject to','the"application of;. Ihe limit of the compahy's.liability,..' liability'stated in the schedule " loss there -were at the location the custody of the insured in excess cated. in the schedule .for such ' . greater proportion of the amount' or someone'on his behalf shall give i, under oath |f required, and shall, after ' i .authorization to enable the company of> records.-The Injured person shall •'.physical examination by physicians.selected by the company when .often as the company may reasonably require. The company may pay jured person or any person or organization rendering the services and ductible amount and the company may ' " " ' ' """'' -•-u"-—---' -1--" —'-— "-- ...» .-...1.1. to effect settlement of any claim or; the insured shall promptly reimburse ^amount as :has been paid by the company. Repairs bv the named Insured shall be adjusted at'actual cost toihlm,oMabor*j;i,J^ tne'^Su'brogation'.ConditJon'does .not apply', to.'any Medical Payments Coverage and.materials. ,- . - . :.^.W.; ','"^r?'?).',;••;:,:, ,.: -l^^W^ r •.*•,«,? &:•& • '" ' '' ' :' I • • '- ;!'!•.:•; •:••••{"• :': •'. • ' : • ! • • • ! . - ' • ' • • • •• . •; -•'••-,-• '::'--';li--:!4jr.:'n'.-'i';-'li".:ili ,';',•,•:'<>.': . :' -':.ii...! • ••' • •"• • \, • ••(-- ^- •'' • '-• • r * tr •-.- ---r • ' .-. t ' • " means premises where the named Insured conducts garage operations, ways Immediately adjoining-.but.does not include any portion ol person Insurance'Parll' ' Insurance'made a part of this the 1 automobile hazard, for Hi in charge of a garage, other than automobiles, is $5,000,'which sum Is included in J;i ^submit'lo'p 1 the applicable limit of liability forlbss.at the location, j.-.; '•• ;'•• . •.•:„•.: rj'jj: •.•.i>._'«,j.,and.'!8s;oftei All'.of the terms of this':policy apply Irrespective of the application of a'ny'''de-1ir 1;"!i['itrie\jrti|'re^ r------ - - ' r--— - ...-..—.... .-...-...„ .........— .... j...i:ki. —.... ..A .u- —_-.-.. may pay.any part or aj| of ,ne deductible" amount 1^ q:!such payment, shall reduce, the amount'payable hereunder for such injury. Pay- >r suit and, upon notification of the action taken, 'j^ij'iment hereunder shall not'constitute an admission of liability'of'any person or, rs'e'the company for such, part 'of the deductible i!;^e!t"Pj:.rJ«r«l|.rid,«r.'?',the.company.; • ;.V-;V •';v.::! ..... ' ., . lompany. : ; ' ; : f f ^ : r ' : ,'; -,.-,. ,..j;D^Noii:Appllcabi|lty'ol:Subfogatlon ConditionVv:... ; i;-;,; has been paid by the company. ; ; :.M'-'! : ••'''S"' .•',j !D:.';Noii-AppllcabJllty'ol :Subfogat by the named Insured shall be adjusted at actual cost toihlm.oMabor^i.^vThe^Subrogation'.Conditlon -d< ials. - . .-.•.-i":;^:;-;'• '•.l;.!'«:.:.''-i'':':.'-.':.. '"••-•: -li-;.,1 Ji ••^''''jafforded, by this'insurance/,:, .. ,-. \ - ; : . :V. • • . ' ' - ! ' ! • j ••.''•••••!• '-•'•••.f^,"'- 1' ;•.-••••,•!.-•,t^-.v,'!>.f.'.,,«!-vi .-^4'" . . :.,,. ;• •«, i : -.1 . . • -1. - I ... .. " ... .:.,-. !i'.. .,4^..Af..i,. -;.'~-\ :\l: , .-.'.i • • • - , ' • . • •; ' • r. :i :-,:. •••« K S - : ; V .-.n-i-^v-jiw.i..i. :!;.y:;ii£>v^-;» i- ^i;t:id; . ^ . . . . .......-.- < i: < -• i •• -' L • T-V- ' -*- ''•- T .-'t^i-. i>;..'. >^.tj i ,'•; ^*».^.'i-.»l -•/."'.'• '. i I i !. . • • ••• '. r* • • .'•'-.• .s't-«-< ..»r-j t'J 1. , , ' • ••].-••.. i • ' • ;•:':•:" ' : ' - : i l , ' . • • ' • : ' • ' \ • ' • ? • • • * •••'.•'••ty&\t:tiK&>>1--;'•>'•••• . :„-.,;;;;,.• •:;.:"•, I!';;:, :-,J;.T ^:';^'^;.;;. vaV^t^Ky^^i^t'v''';'•' ;-" • : - - :;~ ?.:;.; •• • ;: ;-K;'w'V?"fi ;'. :F :r.v"^'•"•"•^l^tii^"'-''-!^t. i. ic:a;, ••!':Wv« ,:,--^-ft •:;:•; ]-!::.v&frrk: '.. -:';Hi'l;{ .'• '• l'r.'.. ,;;;,.• •'i^i-.;.'.'. i .. .. : . - . • ' : ' '•'.'•'.• 'v:.4 • ":':'if'^'%.4!i;I^.: iiVJiVii»'.,"'••' '' *':>' ••:'!•'• - :•"•! <•'.->. i'';'f''•'"'' •'"-'"*' •'"••'•'•• •• TUT 003 271 A ;;i*».CpYER.ED -AUTOMOBILES •}!> •>,f,T ' . . ypes and InterestSiTherelnH'i--' (Deposit Premium ;>}f"Monthl/;>- ^''bhQuarterljr''.',! Reporting", Basis) - .. PerloCatipn "Insfrans'it" ' - luding"'Demonsuators foml!Serv?ce Vehicles)'?.: ^^^•^lActual Cash: Value-• a^riR.E;LIGHTNlNGjDR TRANSPORTATION 1 Actual Cash Val'je lessleductible jfll^-^Styytj? $•'& 'i |- :«;. fV v' * • ''-'•"V 1* . .$lOO iMndcited by.I' ;>•' as. staled In'JKSOVERAGE AG ||^S||fiSi^fi|S Fina,Bumbiri if tnitntmims .attacnta.at lisue 'M->*'t»»:'t'f.''*'-l»1-i:ri liision^lJ^i!*!^!^:^^^? • >•4 ^TVtf YS*' Q-f' T '' FIRE & SUPP. Cqv- 'Verages (lf'"Non-- Repoftine" Basis) ^Mil^»^ jr? -••:•• •'/>.•• *',•> .- i1-Total:Premium J.'i'-U' '••'•• 265 > ;''i'•*'•—FireandSiipp.Covs For:all Named Locations, based. oh. (1) Monthly or;Q\ orted Values oV (2) lt'"Ndn-Reportlnt'y.TotaJllmit-'i) irlerly'%' fiLlablliw v-v, -COLLISION i^' g^''and.THEFTi-*i.4 jKCoverages ."•;; *./.^ p:;i-| ^50,001 to $100,000 jtfi^-' fjifO -..j ...i.-,.t,M.;«nn.m(ii!rp'ri hv anv s«'curltv'l"ni«r«Vt of a"cfe5itor,of the named Insured.;};.-!;... y ^,v..-'-,--if' . •.vjt-s-. •;-., I. 1. < '.A , CILUUUI. { 4 = All interests in consigned automobiles, i ..i.^:. COVERAGE AGREEMENTS' . H ' >,;•• ; ^V-':' V ;:'y < The'company will pay for loss tbjc'tv'ered automobiles,| COVERAGE P, COLLISION-caused; by'cojlision; %' '•.•f\-r' •COVERAGE Q. FIRE,'LIGHTNING OR TRANSPORTATION ^caused • .(a) fire:or lightning, , •-, - •"•• •.'••,,. .;••.-.:.';•',''• •'•• .•i'.,(b) smoke or smudge due to:a sudden, unusual ana faulty.operatioh j.i.'j'/ heating equipment serving the premises in which,the -——-•' • '.'•'. .'' -! <:.'located, or • r.•'••-,:. LJ'^--'; •.-''''•••o • f i 1 . • :.. • ,.(c) the stranding, sinking, burning, collision or derailment ;. '••: -•r'V' or upon which the covered automobile'is being transported;;... • fjpCOVERAGE R.,THEFT —caused by/theft or larceny; •A •>COVERAGE T. SUPPLEMENTAL—caused by .'.:. , ;-.'•.,':(a) windstorm; hail.rearthquake " • :.::,»(b) riot or civil commotion, v'- ''.,.':;;','•(&) the forced landin[ '•;. -.'.' .(d) malicious mischiel : '••-.„ (e) flood or rising waters', "• ; • (f) external discharge or , . . . . . . . . :; v-provided that, with respect to each covered automobile, .' . -.. (i) under the Collision " • .v .^. t- loss in excess : V-•'''*as' applicable thereto ''.;'' (ii)' :under, the Theft, .';••'.•; ;.'-^stored or displayed at . . m the •'.; .malicious 2. GENERAL AVERAGE : In addition such transportation insurance charges for which the named (iii) alter, or resulting from, the named insured'* voluntarily parting with title to -'• or possession of any covered automobile, if induced to do .so by any fraudulent ,. XJchnmc, tritk, device or false; pretense; or from'embezzlement, conversion, se- :••• icretioS, .theft'or larceny committed by'.any person entrusted by the named. 'i insured with custody or,possession of the.covered automobile; ,-.:\< -r, >i;.n. n \ (iv) at any additional locatio'n prior to the company's receipt of the named insured's report thereof, unless, such;loss occurs during the first 45 days after com-, mencement of. the use of such, location;,., ,,',.. ,,:-*.,r ;, :c.;ij ii... .;;!,•-;:•, r;. (v) at any temporary location more'.thari,7. days after commencement .of. its, usej i|(i (I) to loss.'due to. .'„ ,;.'.."!''......"."',';. -,-',.'-.^ •'••', ••.•••j' : • '' " " ' (i) war, whether or'not declared,,.civil war,'insurrection,,.rebellion-or, revolution,,: of to any act or pondition.incident |q;.any ^of the.foregoing; jX ,,!-,:, ;.|Ii.-'i,; (ii) radioactive contamination; . ",r''.' L ' ..:,,";', ,,'j"-,' ;,• ... ,> \ :;',., ;";•! ,;; (g) tO lOSS (0 . .. ' .. X . . . . . . / . . . . . , \ .'„;• ' . . - . i • - . - • ' ( • I . • • -H.fr . ,\; (i) any device or instrument designed for the.Recording, reproduction, or recording and reproduction of sound'unless such,device,or ihstfument' is.jiernianenlly.; '•'installed in the covered automobile;' V ; ' ' X ,' ;'"'.' ' .''.'."' . (ii) any tape; wire, 'record disc or other medium for use with any device or instru- ment designed for' the recording; reproduction,: or recording and reproduction ' of >sound;' ., •'••• •": '••'<•••'&' - • : . ( - J-:>.: ••:!,! •;•>„ |.i- .".•,'. {• •.,••••••• •'•:^ M .-.x1 (h) to the named insured's prospective profit of any nature; >,'. , (i) under the Collision'Coverage, to ; any '.covered automobile while being driven, towed, or carried on any other land motor vehicle, trailer or semitrailer owned or hired by the named insured, from point of purchase or distribution to point of destination if such points are more than 50 road miles apart-; -. :;; ' • > ! • • '-. ; •!>.«('• (j) under division (c) of the Fire," Lightning or Transportation Coverage, to loss to any covered automobile caused by the collision"or upset of any land motor, vehicle, trailer or semitrailer in orupon which the covered automobile is being transported; (k) under the Supplemental Coverage, to loss resulting from rain, snow or sleet, whether or not wind-driven.. . . . .,.,,.. , . .„..,... „ , ,,. ... ,..' • II. LIMIT OF LIABILITY •.',,'•'.,—-:-; ",:•'••,. •; ,: ^'M '•.'•" '.' :.«; •.''-.'..rr.',. 1. The limit of. the company's liability for loss to any one covered automobile shall not exceed:. . . • • ; .. • • ;':•?, \* h:-- i:i •• .•-: -.• i--. .:i ••-.': r'.|h:'.:i'.i-|.i .- (a) the actual cash value of such covered automobile,, or. if;the loss .is,to,.a, part, thereof the actual cash value of such part, at time of loss; nor ' (b) what it would then,cost .to repair or replace such covered automobile or part .thereof with other,of like kind and quality, with deduction for depreciation; provided that, unless with respect to such covered automobile the insurance afforded ' is' designated in the schedule as applying to' all parties at interest therein, the , : company shall not be liable for a greater proportion of any such loss, than the amount, at interest therein for. the party whose interest is so designated bears to X •. 1. Limitation 01 uncujc uuun HU/ ui,.t, „.>.,.....,. ......... The insurance afforded under any other automobile physical damage insurance made a part of this policy does-not apply to any'ttvered automobiles, or parlies it interest therein,?fop which insurance is afforded herein'.- ''••••^ >• 11- '' ! • '• %1 2. Prenilum':''' : '• 'K'-'t M' >:"' : " ••"'•• *f»\-'H >•!• I • All^premiums for '-this insurance 'shall be'-'comp'uled hr accordance with the com- 'piny'si'rules,'rates; rating plans, premiums and minimum premiums applicable to the insurance.',afforded hereip.. Jh,e .premiup. bases and rates for this insurance are as indicated in .the schedule'.',-'II .the premium basis so .indicated is:,.,.r- . ., . , '(a) "rioittlif/ileporUne" ' " '" ' • • . • • • ' • • - ' • ' ' ' ; (i) The named-insured .shalj,.fender to the.,c6mpany,.on,or before the fifteenth ,,;' |,' i day of .each rriohth a statement, on the form provided by the company, of the location of all covered aotoraobllet and the actual cash value thereof at the ''•i'-"close of business on : a given'day or'dayj of the preceding month, determined i! >, as Indicated in the' schedule. "Each iuch monthly statement of values reported . ('!)< lor:the named location identified in the schedule as the main sales location . •); 'shall be Inclusive of the actual cash value of all covered aitomoblles made >; ••: t)'available;lor the tise'of-'the lamed lisired, officers or employees thereof and ' L-it .Tj.y.a.'e|y stof.^al.other than,the named licatiois; (iij.jhe premium stated in the schedule'is, a .deposit premium-only-which shall be (:;,-•) (Credited to. the amount .of Ihe earned premium>-due at the end of the policy period.'- Earned premiums shall be computed monthly by applying pro rata ol the I annual raid for each Coverage afforded to the'total amount of values'shown in 'A), leach of the'named Insured'! monthly statements and, Upon "ndtice. thereof to ' ithe "smed Insured, shall.become due and payable.. Upon expiration of this insur- ance or cancellation thereof by the limed-Insured,'the'earned premium' shall not ;i.V.be less than'lhe minimum earned premium'Stated In the schedule;. :'•"•" • (iii) It."lipon'•'cancellation''or expiration .of ^this insurance, the earned premium ' cannot-be; determined because of the ttiiii Insured's failure to''render the l'.'| statements'required hcreunder., the earned premium for the period for which /. '•'•' statements pave not been rendered shall be Computed by applying pro rata of the < H. 'Vtannual'rate'lor each' Coverage afforded at each location to 75% of the total it1'-'.!1 limits! liability therefor at each location. (b) "Quarterly Reporthii" 'v?;;-,-^ b| , (i) The .named Insured shall render to the company, on or before the fifteenth day j|,:J,c,^f.the,fourth month.,and,o|.every third,.month thereafter a statement, on the 'A:V,: form; provided b,ythe.:'company, of the location-of all covered>nlo«obiles and ,: -;:ifj the actual cash:valuejhereol at.the.close of business :0n a given^day or days '. ! of the preceding three.months,'determined as indicated In the schedule. Each such quarterly statement of values reported for the lamed lieatiii identified »,«-ucyuMi pmiuuin pmr wnicn snail DC- d: premium due-at the end, of the policy mted quarterly by. applying pro'rata of Ihe Coverage afforded to .the total amoupt'of values shown in. tha'ianied Insired'i qua'rterly.itatemenls and, upon nolice.;thereof to' id Insured,'shall, become due and payable. Upon expiration of this insur- ; cancellation, thereof by ,the iart'e. insured, the earned premium shall not ,less-lhan.lhe,minimurn,eariiedpre.miunfstated in; the; schedule;:*/^..' -. ..-.'j,^t-.il-i!ii-:;-i.v:..i:'—• ui •iiLii*i=l.:1i.a-.'iLJ ,jrnjj prjmjunj cannot •"' the aggregate'actual cash value's at'said location... ..... statement''including, with ,'respect to' the 'Mined locatloi:- ii schedule as the main sales location,-the actual.'cash ' automobiles made available foi"the Use of.the named l .'•'£> ployees'r.thereof and privately! stored' it other than the :^?*BU^^ ^;VSha,,:not.exceed-75*lo^^^^^^ premium for] such Coverage shall'not'be Jess than the minimum • earned i stated In the sch«dul«>.;'V:^ i^HUV.-^ ' ' • < • / • i •'• • - •' • - •' . :, i_:__.j .t.n'i _\, i l\ .' ' i •'.[••. A'. L . . - L .i"V -..'.. • - - ) • aUICUUlC 09 UIO Ilia ill *«ic* iv\.4iiun, me actual 1*0*11 iaiu& vi an. ***bibB (.• . ;.•-• r i i • .« i , : ,» , - - - ; - - - - . - - - - - - - - - - -- • .. rr . • . 7 , .; ititomiblles made available.for the use of.the'named Insirei1, officirs or erh-j.1..^*:,1^.)^''"'.tow loss or damage due to >e limed limed s falure to protect shall ' ployees thereof and privately stored at other.than the.ianied l»call«'«>:,:.lv^^^ Incurred in^nording' •• f': but, if the first quarterly statement required uriderithe terms'.of;thls'lnsurahcef'/if'1 |Such/Pr?.t«t 1 lJn "J11 bf"deemed;incur/ed it-lne cpmpam/s request;, f: t,; • I'ls'delirtquent as n'""1 n.t.ftif inv i.«; ih»; cnmnan»'« liahliiiv fnr indi-liM'Ti (bj-give'.nolice thereof as soon as/praclicable to the company or any of Its aulhorued ,'.'.' |-shall,not exceed - , i ..'.'applicable location '^''(cJ'l'Hoa-lleiiflrltai""' '^•i-^The company;! ; lll.'.'pOUCY PERIOD;' 1 .(.•'•i'.^a vehicle to which itlis attached; .0^,0111. iipset/of.s •.';.\$"coislgned antoraobHe"'.mea'ns'• a',"|and mplo'r'.yehic :' .;;' - the rnaue'd insuredilonjsalei not!p'woedi:|jy ithe'inamed') ;-';'securit)r,inii,ist of a creditor of the 1 named InsprcJ; r, .. -« . "(jYe'red. antomailla". means] a * land,, motor, vehicle,, ' '• .> robes'!' J.we naHng ana dppa! hef ror e'' j!effi'Pe«™lfJ.-Siehll|s' of a 'type .desiknaied iri" \hi '"ft^'yfi^1"'4 I««r«i;«nd;lhe company flil'tojagree as to the amount of IKS. either . schedule as a covered automohlle to which this insurance applies and is;'-'.^"-.' .rfmay^Wjjhln ep^days-. alter proof of. «$ Is filed,:demand an appraisal, of the loss. In : •• ' '(a) held:by the named Insured for sale; or • - ' • ' • ' :" •-• '' -' -'• ''-' ' *" ••>' such'Levent,the lane! InsireaiindMhe icomoanv. shall..each select, a comoetent.ao- .'^- ' : (b) used • in"t •• ;: •; i vehicles, ':'• * (c) if so >'• r (d) held I '•-•. "loss", means '. ,:• "named locatii Vliamed InSOre d a» o ^lauc.ui uu^.aj. v>'*tuiagc ui»wf«.ibH ••i«M.*HM»fl ai bat.it air i ' . ' t Ll ';' V'Y^- i' -..• .dress.shown in the schedule; j,;Ji •;.'<•• i,.; .•-. M • • .v-' •'..-•'•'-\'< -,'!*.•-./.•. H.V ; !° •l'Pr"?r'-.'*; re;?*-!^ , •. -.y.. ,•., ,-,..,• . - , '"security literest"-. means the inferes'f of ariy creditor In a covered automobile which i 6>j*ctl»i-Against Conpaiiy^.t. . -,,.v-|,.- ; ••/-.: •>•>•'• -. ' • , • . . - : . .•.'•'-.'secures an obligation owed vsuch c'reditor|.. •• '.J.'-.-?'..^''-"^ '•-'•.•; ' ;,...:^,3rai.^; ,v;.No5actl6n shalrlis.igalnst:, the company ,unless;:as a,.condition precedent .thereto. ;?••' ^"standard open lot"-means an'open parking sto'fage'lot enclosed on^all'sldes by:a.'.'j!\lli««ifhafLhavf;bitn:(ull.Cflinpll»iic« w!th:.'all:: the 1 terms'of this'insurance nor'until v. ' metal cyclone or' equivalent tence-not less,than six'feet'.in height/or bounded on.:? j ?°,<!'vs,''fter P^'A0',,1'"- .''.A1,6"1 'Pi lhe(a,mllu,ftt, S',.1"1 l$ dete'mln«() « provided .'•'<'.V .;. one or>'more sides by the wall or waljs,of,a, buildlng-with.no unprotected' ' . ;and with the.exposed sides'-of the lot enclosed.by'a metal cyclone' ; « , i ' n , a . . y s nurance,' nv"shatU'tot-be' lla'ble.'ohder this, Insurance lor a greater proportion of such' ' ' ' ' The Ipllowlng spaces preceded • .' ^V-' • ' . • • • ' " • • • • ALL; P^'R^O.SE'JE'N'b'pR^SE.Vl'E'NT,;-''^1 ' '•'.'; 1$'v./,. '.'.'• ":.;.; /^ ' : ." "' •'••'"• ^- ;' :' :' ; :--,V -:'': '.•'• ::- ('--''V :'' :^'iV^H-H': fr-' ••''•'.'j!'"''.! 1/ •>'."•'- ,'-"'^.''!i>>'..';'' • • • . . . • • • • : '.'-»-'v ' - ' * . . ceded by. an asterisk (') need be completed only^H-.this Endorsement Is Issued subsequent to.preparation ot. the Policy. •This Endorsement, Effective , . • # ; ; January 1. 1985 •.' •' •-'•' ' Forms a Pail of Policy No., 'v.i' ;'• •. \ : ''•!•:.:•• 'f '•','• •"".'•'" '.:.'.. V.^lir'Vr '' ' •'' ' ' ' ' ' '41 ST 85 73 36 Of the;-l;?v,V:':,•;.;." .-r^...^^^.-.^^ • •• ... , •wm^ :^'' i:;v.' !% •-'•^.'•^•v..' :.; ,•• '•Insurance.Company 'of North America •Issued To ,,' : •• .; -, " . . - ' ... . ; \ • •: ., . .,.. .•..:>?>.';''^."..;v\;ij '.<'>'.",£ •'^'.•';i--\-','".'>."^'Vi\{f ".'i': ' •,•' ' . ' • ' ' • • Ramsay Motors; Holiday Rent-A-Carr'and R1 & R'Prdperties; Inc; ra/t/i/m/a •••$•' • • • A $500. - . • " • • >. ' ••. ' i • . . - , • • - i .'.,,' • " .,V( •••"}•' **• *T*' " |, J,;< ,•'•' " ("•"'• ' • r ''•'*> ' • •'• • " •*»• ." • i * •(•"' •" .' • • • * ' / " deductible is applied .•';to'!:'eacn-, ,'anid ft ;'eyer)r^loss-paya'ble'iunaer..the v :- •.' . .• - .-,. •*' ^^ :'.^^' ^;:--;V^^'Ov;s7;;>;;:^;^;^ . . . ,:; ...;';' . 'f allowing -:cover age 'parts of Fonhs';L4061S ahdj'A;118: p-i.H^K-lj -K-2]nK-3, • .'••.-. " .... . :j:,3:>" K-4» Q.;RH,^.;X^; :-i.C ^^^^i^iif-'^l^p^ ;'';;.'/ ;'^'; ;;• <-^fr ; ::" !'- "-' •'•' yC':-^V^j[ :-::rt|^^^lp^^'% i'';r^', ' • • • > - • ' - • : -•>-. • • • • - , . ' • : • - - . " • ' - • ' ' ' - ' • - • • . ? . • • ' ' • " .:-./.'V.M .1: •• r ••..-..';.•. v.r/. .;• . :,, ,„.,. ^•^«»|^!;;<^ ;'-^ : i;;:j%A^ .\:---':<-".'.*.r.&\--", ••: <W $£&^&5&jilfe&ii ','* J.V .b(V '•• • • • • • ' ' - T>i8 following spaces preceded ", \ i • "•..> .if '.>t: •: ,-'••.; • >: • • •• • . .-;;. •;">'•;;-JUj; • #;<r'tV/W'*, •;' ?••!•''•••>; • ' / • • • • ' • ' • ; • • ' . - • ' '• : , • • seeded by an asterisk '(') need be complefed^6nly'it.thiSf£ndorsernonl Is Issued subsequent io preparation ot the Policy. -•This Endoisement, Effective * ,. ; •?;. • January 1, 1985' .'•''•:.'. • ' • : Foims a Part of Policy No. ''•'•, ?\'yt>" '.",' :'' 4i ''ST./ as 73'36p^^ ..Of..the.-<')i liv-'Jf;:.:';fi'..j':V.''-."''!'v :t •'•"'.-" - : '*y'. • '. • .'• • • • ' •.'''•''(•it^:(':V^!'i .'•.'^•'.vi.;-.';;.'-'"v-'j-'-' :' "' •'• •.tfi'f I'M : '• ' '... -llhsuf ante" Company of NorcH America" •Issued To / - '•'!/.;!;.•"•: : ;. : • , ' . , ' : . . . ' • • ' i«\?v;)? •^'.•^^'••llf •>ijJ;J,J.r/.' !: ^•.••jij.j-'.'.-i !,K ''. ;^ ':<: .,. '''.'•• ^i'i'fV-'j 1 '•'.:' V :v ' '• •. ' . Ramsay Motors; Holiday. Rent-A-Car f'f arid.1; Rl;&".;R\Jtop'er ties", -Inc. ,"'. 'a/t/l/in/a"^ '!• '- ,',.*> "•".'.'•'"•;'> . . ''^ ' '••"'•'. :' : ;'. : ;; !''.''•;. :%' ••...' -'V'^f'.^^'.^i''^^^^ Vi;f :!i?.i;>, The -jFord^Motbr , Credit .''Company V;4'>r'''j;^i:-: |f>'i."!i -'i'"' -V1'1 '••> £-;;''• *••'•'. P.Oj'.Box 4189, San Juan, ^Puerto Rico.. 00936^,, , ; ; ; ; .,•' '', '.>• '.|^i.;! ;. . .. is added as: Loss Payee. '-';''f-\':j>lV*!-''^i'-:Vi?f''-;''-'-.-'-^"C'v1 ; V'•''•..-l,^''^ ' ' ' ' ' ' ' ' ' 'rd';-:v:'t-'-'.- '' • - • - ' ' - ; ' ; • , • " . . - . ; " ' r " ' - - ' ' • , . .:.'•-. .":.«V .'•',':•• '.';• ' : ' ?M''NC>:» i5J4-25M''lRev..'s/7s|''A'-.i',,'J ";•' • ' . • •:.:- f;. • • • • ' - • • • • . - • , - : '•'•'.'.' |. !:":;|:;5."'/-: • :.i;:-",'7^V' . , ;'.*,>.»' • • ; . • * • • • ' • < • - ' : • . • • • • : -;•. .v. ':' ^^^^ ' . . - • : i ':•>.''•.'••• ' . , V.,' . : •^'t":WJ::':S '-.~\f. •''••:' "'^ . . . .The tallowing spaces preceded by en asterisk ' ' ' • - . - . , , A L L r U K P U ^ t t M U O K i^CM C H i..,,.,.^ - . . . , . , h'? •" "'"risk (').neod be completed,only il tbis1: Endorsement Is Issued subsequent ^preparation ot the Policy. his Endorsement, Effective , ' r';S January 1, 1985 '•-:'}::• Forms a Part of Policy No. .'.'.> ;i.:.: •;'. •:• :;41 ST 85 73 36 "'• :''- J—:*-'"* : Of Ihel.) V/' .; ;• .. / •./>.. '.•;:• , . : - ; „ .• .. ' ;. 'Insurance 'Company of •issued TO ' : ., . . . ' : . ...-: : :: ;,;•.',•; :.;-.. ::.'; :v :'-' i:-.- 1'- 1-' •„•;..••••'•' : '':'-.-.• ' '•' ' ' . •' .]•< '•''•.' • v.'v' ;'. lviv-; 1":,-^',- / _ • . • - . • • • . • • , . .* Ramsay Motors; Holiday Rent-A-Car, andfR>;& R Properties, Inc. North America • '.: •'"•' ',' a/t/i/m/a ' ' V; ' - .In consideration of an Additional Premium of $ i._ it is understood and agreed that the Policy is amended.as follows: 'Retu'in Ptemium bi $ . . •;. .-.-••;:..• '•••-. •'. ";:•• ••:%^^^:;?;;^^^;^:-|;^';^Sf^^ • '.•.".•.• -' "•../ •• . • • ;:: :'•••.•• • >••••.•'••:«:?,£•.}••.; '^ "••• ' '••••;- • --." •••./ The Automobile Physical Damage Insurance (Dealers) form is'!:;. ' amended;. as follows: •• •' :' : ' ''•' "''••'•','•'• • '• -'"i ''•v:N'-".:'->-:. ' ,-,'-• \-l- <\, !?.'••.•'.. •.'•.' '-it'- 1 ••'' •.•=••-.;•.- .^. :"- : . • • • . • • • • • - , ' • : • • . : . •';.v;v)-:]^ :' : *:>•'•.::>. . •'*••• •;'.'•'• ';.. v •' ' •'•' • : .-•.-'• ' .' '! ^ • .•"'•' • :•,.••: •.'.J.-*;..;;:!.V :";,-•• -V-V v '•'•.•,' •.•.-'•( ,-DPH item 2(b) each .covered automobile -in v transit : ' .• . _ . ''applies : also. .to ,DPH item 4. description -'of ', - ' .- .,"•.•••.•.,•.: '.•^covered automobiles : :'tci include, sub i;item 3, Named . , ':.; • • llnsureds and its creditors, interest,1, subject to '.';••/•'; >;\ loss payable clause,'/in covered automobiles ;.* '^'V' •_ encumbered by. any security 'interest '.'of '.such -creditor. '• • -The endorsement adding ' Ford Mo.tor',Credit: Company .'.'•' .,-, .as loss payee, applies ;only tb' the, above described I,-.1:" .' '•/-'covered automobiles. •:.<••, ;'• ; ' ••":'!. •....•;-.-'. .^' : •' ' ; ••'•':'.'.."'•:'.'' .'•'- . -..irf^ H'i^: ' •/•! ' ' '- ' '•' • *'ll,*-'.',/ ' ^ ' • ' • . .,'!''•,' .' ' • : .;\^U:.'::.;:.'-5^:^f-rv-'.f'-;i' . •;.-?r':.-a-!-vr;,v.-i^-!:v.'.r';i;;..:.- • ' ' • • , • ':•:•:'•.' . '•' .-. '.t':'..,.•'a.- •'..•.{'.-' . • vv ".'• < -IV.'.' ' ••..',. •• ' •'•.•'••iVvi' '.; ••.•'..•«; • 2/19/85 rd FOHM NO. 'I534.25M ( R E V . 9 / 7 5 | , ' ^'^•'vi.'f\.;^4^J^:^i1: ANTILLES INSURANCE^'.INC. ' :• " ''',"''j ' !:"•'?'{'.'. '.V"";"'''- .,' .Authorized Representative >; -'' p'.v,;v/ • i '.'••' '• •../1.'v'•';''"".'.''"'' •.. :j w.':',^;'.'''-r^ '•.^-^'-'-*'•'iV^.'i-.i^'-'iT'^ 1 ' -!'. ' '-''I '".'•'' ' *'jl'- }••'' >"V rt-'"; .'«:'•r- .'• } l^ ' ';' : 'f 'l.-' .'i- •' **• This endorsement in o u i i i t: :> :> u L. u i n ^ u i u n ^ u ^.. ._,..... ~. provisions of the policy relating to' the following: GARAGE INSURANCE LIMITED COVERAGE FOR CERTAIN INSUREDS In consideration of the reduced rate of premium made applicable to the Garage Li.abTlity Insurance, it is -a greed that garage customers are not '-insureds with respect to the automobile~h£zard excep.t in accordance with the following additional provisions:* ~1. If there is other v a l i d and collectible insurance, whether primary, . excess or.contingent, a v a i l a b l e , to. the, g'a'rage-.customer and the limits of such i nsurance . are sufficient to pay damage's .ihcl udi ng damages for_^ care and loss of services because of bodily•injury or property damage up to the amount of the applicab!e financial .responsibi1ity .1imit, no damages i n c l u d i n g damages for care and ;1bss'of services because of bodily injury, or __p_rqperty damage are'.collectible under' this policy. 2. If there is other v a l i d a n d ' c o l l e c t i b l e insurance a v a i l a b l e to the garage customer, whether primary, excess or contingent, and the l i m i t s of such insurance are insufficient to pay' damages including damages for care and 1oss ;of services because of bodily injury; or property damage up to the amount of the appl i cab! e:;.f inancial responsibil ity l i m i t , then this insurance shall apply to,the excess of, damages includ- ing damages for care and 1oss 'of .services'because of bodily injury, or ^property damage up to such limit. ' ; . . " "v ' ' ' . • ' " • •• • '<':•• 3.. If there is no other valid and collectible insurance, whether primary, e x c e s s or contingent, a v a i 1 a b l e to the garage customer, this insurance shall apply but the amount of dama'ge for care and loss of services because of bodily injury , or property damage payable under this- policy shall not e x c e e d ,the • a p p l i c a b l e 'financial responsibility 1 imit. \ . '',' .' ' . -.. 4 . A s used i n this endorsement: _ ' . '.;•,; • • • . • ' |. " a p p l i c a b l e financial responsibility limit", refers to the applicable limit of the financial responsibility law o f . t h e state where the a u t o m o b i l e is principally g a r a g e d . , "garage customer" means any person while using and automobile owned, m a i n t a i n e d or used for the purpose of g a r a g e o p e r a t i o n s and furnished or l o a n e d to a customer of the g a r a g e or to a p r o s p e c t i ve purchaser", b u t d o e s n o t i n c l u d e ' ' : m- (1) an employee, director, stockholder, partner or member of the named i n s u r e d , . o r a r e s i d e n t - o f the same household as the named insured, such employee, director, s t o c k h o l d e r , partner or member, .or - - . ( 2 ) a n y o r g a n i z a t i o n named in Item 2 ( b ) of the d e c l a r a t i o n s and any p e r s o n while using an a u t o m o b i l e f u r n i s h e d to such named p e r s o n ' o r o r g a n i z a t i o n . ' .. This e n d o r s e m e n t m u s t . b e a t t a c h e d to the C h a n g e Endorsement * when i s s u e d a f t e r t h e policy i s , w r i t t e n . . r n no n I r-4 2224 A409 (Ed. 1-74) CP 09 21 (Ed. 1-74) ' USE OF OTHER AUTOMOBILES—BROAD FORM This endorsement modifies such insurance as is afforded by the provisions of the policy relating to the following: COMPREHENSIVE AUTOMOBILE LIABILITY INSURANCE BASIC AUtOMOBILE LIABILITY INSURANCE AUTOMOBILE MEDICAL PAYMENTS INSURANCE, , SCHEDULE The insurance afforded because of the naming in this endorsement of any individual or partnership is only with respect to such and so many of the following coverages as are indicated by specific premium charge or charges for such individual or partnership. Premium Bodily Injury Liability J Incl. -- Property Damage Liability J Incl. Automobile Medical Payments } Incl. • 1 Name of Individual, or Partnership •Robert & Rita Ramsay Nancy Ramsay ' Incl. Total Premium . • It is agreed that such Insurance as is afforded by the policy, under the bodily injury liability and property damage liability coverages and division 1 of Automobile Medical Payments coverage with respect to any owned automobile covered under the policy also applies with respect to any other automobile, subject to the following additional provisions: •/ 1. Persons Insured With respect to the bodily injury liability and property damage liability insurance afforded by this endorsement the "Persons Insured" provi- sion is replaced by the following: Each of the following is an Insured under this insurance to the extent set forth below: . ' • " (a) each individual named in the schedule of this endorsement and, while resident of the same household, the spouse of such Indi- > vidual, and (b) any other person or organization, not owning or hiring the auto-, mobile, but only with respect to his or Its liability because of acts or omissions of an Insured under (a) above. 2. The exclusion of the policy relating to public or livery conveyances does not apply to the bodily Injury liability and property damage Ha- < bility insurance afforded by this endorsement. 3. Exclusions ' This insurance does not apply: . . (a) to any Insured while engaged in the business of his employer with respect to bodily Injury to a fellow employee of such Insured in- jured in the course of his employment; (b) to any Insured while employed in or otherwise engaged In duties In connection with an automobile business; (c) If the Individual named In (he schedule of this.endorsement Is an employee, to the employer of such individual; •• (d) If the' Individual named In the schedule of this endorsement is a partner, to the partnership of which such individual is a member, ; : unless such partnership j is designated in the schedule of this •• '., endorsement; • • ' . (e) to any auiomoblle owned by such named individual, his spouse or ; ..: any resident of the same household other than a private chauffeur ' ,•':. or domestic servant of such named Individual or spouse; • (f) to any automobile while used In the business or occupation of the •-v- •• named individual or spouse except an automobile operated or occu- * .'pled by such named Individual or spouse or a private chauffeur or ,. ,:a domestic servant of such named individual or spouse; . ':.' (g) under division 1 of Automobile Medical Payments Insurance to any, ^automobile while used by the Insured as a public or livery convey- . . . . . . 4. Excess, insurance.; The Insurancei afforded by this endorsement for' ,, bodily Injury liability and for property damage liability shall be excess ..,' over any other valid and collectible Insurance, whether primary, excess . or contingent, available to the Insured. ' ' '• ' ' • The Insurance afforded by (his endorsement for Automobile Medical . Payments shall be excess over any other valid and collectible automo- bile medical payments or medical expense Insurance whether primary, excess or contingent. This endorsement must be attached to the Change Endorsement when issued after the policy Is written. A409 (Ed. 1-74) UNINSURED MOTORISTS INSURANCE COVERAGE PART •: T SCHEDULE •y"''VKGeneral-Aulomobile Liability Policy No.':'41 ST 85 73 36 Designated Insured Ramsay' Motors {\Irici;., Holiday Rent-A-Car^ a/tiyi/ra/aV'v .''v;'/';"'"'^'"''' ':i V;''#'r>;'" Vi 1'^ : ' , • • ' . s ,., Inc .., ..,;,, ' ' ' • ' • Description of Insured'Highway Vehicles'(Check 1 appropriate' box) isured ;.„..•,:, (..-,, ...^.H •..'..v^Ml"' .;.'.'<•••- V: ' [3 Any automobile owned by the named .insured Q Any private passenger automobile owned by/the named Insured '''!!"•'•'!'''.'i • >.sy.'d:,it: / .•./ i,' .; ,.-\ :, • •. . r , '"»!'•• ' " •'•' ..'.>li. ..•«. .-I . ,.V 'i'-hV-''- ' ,'.*MV!I;bJl\l:f •'•><1'!^:VK.-; •''•;!' " " >'i'\ • Q Any highway'vehicle to which are attached..dealers license plates .issued to the, namely Insured •;;|;|^-,,,:.^. ... Q-'Ahy highway Vehicle designated In the :,declarations of-the «""•»'•''« ''"••• i.i^ri"<-nu" ,i,j , t,i.i,^,u U.M,.U -„,„,,„ _" the policy period by the named Insured as a replacement Q.Any mobile equipment owned or leased by and, registered In bodily Injury this 1 coverage c ;:?-rv,i.-:' ,; • . company.^'i..vr^ ;•- '!.," '•.-•;;.:•.?, •i">)n':;,.".'.s.i.»i:1:"!)1. ..•.-!,;..,:..•[•.•:;!-..t-. ;:':;V. ,,,1,^1 •»!•,.•:'- -.•.!.=.:;«; •^^•':!:^; :-:^&^..5 ;/•., .' •• •;•':. Exclusions iif'.! i>...- -.!t M. >v,.i.^;'; ' •:•';; -.- ../:;;• :'v. :;\ , • . ' • : - ,.;:/. '', (a) (to bodily Injury. I ' ;• '.. representative dr.anj, • ;. ' '.y.f-lwithout'written 'consex :'--r/'.V-or organization":whol,nia !••<;.• 'ilirij-.!. ,|..« ' . .j'< . f I • V" 1 ' -*f . ">V, J; ..> •j;^|:^^«LtA;jj;f,:«j^',^fr?J^ entitled, to: recover ...,„::LI--I..'..J.. '.-•.i.^.'^iiei«|.';l;:.j:^/^,frorn'.any.per?so'|iiflr>rgahizalion:whd:|sc8n Insured under the .bodilyUnjury lia- - -• - .'. * ^' \. Uiiil: j»J_..._ 11.^1 '..'< IL^* _ Ji:_n; '-'.^i^i^fiTt;%.' '.* l_x''._» _. .....*-..*;» . _ .. . * -. ._. . :ji(b) to bodily Injury to an Insured.while occupying'a'highway.Venlcle':,(othef tha'n;an-*V?-''r«|Ti.1,*.ny''P5ffPR;i0/1.'S y^V." Insured.-highway .vehicle), bwjied .by!kthe. named Insured,'jariy, designatedI Insured ^a^M-'ff^V-Sftiflf. y'!' '.-'or any/relative- resident'in' the:;'sa'merhousehold'as:;the named-or' designated ;|pti*aW|^8MJ;4iniii»W;ii' : • > - . ' Irintnut 'np tUrni.M^ KninJ* i.lrLinL k.'. *H~l, ^ . . i A U : « l H k i . » ILL MU«li,*l«H-UK.^ H ^ I ' K - l D ] I HB- -CDmDanV. Shall. t\\ sp'as to inure directly or'indirectly'to -the benefit of any workmen's conip'ensa-- . lion' or 'disability benefits carrier 1! ot 'iny person br 'Organization tjualifylngra's a-, self-insurer under any workmen's -Compensation; or disability benefits I'FavV or an^similar law' 'PERSONS INSURED •..'.i.fifi/ ^. lu ipniirv'prnlnn 'TrDDlrnbv 'v '••",• M " ' • " i'f-l ':.'i,p|'|r.i.';:i4 )ljga(e'd!Tolp'aV under, this-insurance that-part of ''(entitled to. recover, from, the owner or s which, represents .expenses for medical medical payments.coverage of the,policy.• ; ;ii-i! during the policy period ?ndM^feWl!,ni(^iSla.les of. America. -Its! |ermdries or possessions, or Canada. ' • ; - ' ' v ; ; ' . : i ' • ' • • • - . ''. Each: of 'the following is an Insured under/this insurance to the; extent set V|V.; ADDITIONAL DEFINITIONS' ; ' ' ' < • ' I*1-'! J';• -;' • ! • ! . - . S . " forth below-, r. ,, . ,.,,.., .-• ,„ ,\|V?i::i«i..>i-|:;: .,-.:' .•.i:'"i-;..'il|ii;;.fi,iyi'v-<. t.v'-.|;:1!}';l-!i'>';;l^ 5'-::)'. ' -'"";. ;-';" y; ;;i{ifv;.;-•••:• • :"'- 1 : r !'i: •-'•(• '• il'i'i'i./'L'ilt,':..:.../.^ .'; ,..: .i^'.J .......^.ly ...L,,L' .''!J'..;'Li';L^' h. :: :>) ;WhenpuseT;in*;refefi>nce to ihis Insurance'tincluding endorsements formii V#fi* !•*«!»„'• •. ' '- :'•:•• >.-:.' ^rv:^-''^-\'i^.^^ii:S^^M,: .,;'.• '.,' . 'ftU^ ." -V; , V- .• :*'." • .' ^'sHlt-an'd-wh.vehicle," means a highway vehicle which'causes bodily Injury to an .;;^he,\b'f;fn.'me-event of .his Incapacity his-legalrepresentaliye^or In the:event,j/, '.vY'y Insured arising, out of physical contact of such vehicle with.the Insured or with! -£k of rhlsr-iJHlh'-his. legal representative or'theSperson or persons-entitled to sue A:, ,;:^a^ehicje.which the insured is 0""^^ •' • • • " ' ' '-?:''•'(a)'there'.cannot be ascertained ' ;suchrhighway vehicle; - _ ,),th'e insured or someone on ... "VTT*y24 hours to a police, peace 61 ,__..... ....... .. .. ... ................. .. ....,, .. ,.,,„• .„. 5MCn ,, '^^Vff!icKanVhal' have filed ^.^"mpany within-30 days^ ^ I'.-PA. statement under oath that the Insured or his legal representative has.a cause -v t fnr ih^'horfilv Inlurv. and in anv adinn aoalninhe comnanv • Ihe corhninv ihaVfv v',;'-;?,.;or causes .'of action arising out.of such accident for damages against a person • ^••^!**>???^Jl^i-3!!!".111..?.? A..1"" ^^'^^i^'^^^l^'.^ .,j.'-'-.;or:persons whose <•<•>"<'•'• .'':*"v;'!', support thereof; ai •'.j^nicJ.atiithe',company's . ^--.,., .. •frV*: available for inspection-the v< ^V:'' time of the accident;'' •' ':';... ,,.. •f';.i, "insured highway vehicle" means a highway vehicle:',': ' ;'.• (a) described in the schedule as an insured highway vehicle ;";-.r- •!:•'injury liability coverage of the policy applies; , ;••. ••;' ••••" (b)'while'temporarily used 9s a substitute for''an Insured: :•/ .-.:."> described in subparagraph (a) above; when withdrawn from' V '.:;V.\' of. its breakdown, repair, servicing,' loss or 'destruction;'•' :'.i'''' . -•;••• Vie),, while being operated by the named or designated insured or b ;:,:.;•::;:;.ueitlie'r II a resident of the same' Household;:.fj' ;.'y.';;';.. • '„;•'.. .../•iji^.bUt.tHe.itefm/'insured highwayjvehicjeftshall not Include':,;V^'-;:Vf:'-i*^i"rfif^;ijr;l'.''i^t ! '.'•'•'; l'i\ • 9 , unklnla \Aiht\a'. 'ttf'a/4 4* ' * nil hi! ^- sir'-1 tun rw r>nnnau9n/<A ' lirilavc «-ll/*h i tiea..le 4 «..'A. •' «nhlio«HI<l*> limit •* rtf '. IlihllllO nf Cflrh -nthdlr llnclirin^Q^ Xr"' •*" ^ '''* *•'"" ' '' 'i' ** l> • *'* ^ ^< the Insured has other similar ' i the (accident, the damages shall be' pplicable limits ol liability ol, this 'Company shall.not be:liable:lpr a 'designated Insured- nr' •'•">.'•'••• -.'•;:';.'•-:. •",!• • -'M .••.:• ."./ s-vK.-';.: •:•?* greater;proportion ot any:ioss io;wnicn misjcoverage applies than the limit of (iv) undeSparagllhs -•• --^'-^-'"1 ^^*£^& ill1 iLf^JlE ' '^liability hereuW.bears t6.the,siim of the'applicable limits, ol "ability of this .,.•'.'!.;:.:•. use of'the named " "occupying" means in such complaint or other process ('forwarded Immediately to itative.' ••••'•.''•": '•'.'.( '•accident with respect T?\ :'.• the use'of such vehicle, '*'.•; liability bond or insurance '?, . -the'company writing the •','',•' ••, insolvent; or. : '' (b) a hit-and-run vehicle;' fbut the term "uninsured hlg • ••..' (i) an -Insured highway .vehicle,-'.W p !••..-'<•. •r:. (ii).a:highway vehicle :'-.•••. •!,.- meaning of any motor '. \'.'•••'• or any similar- law, .:•*< (iii) a. highway vehicle .';-,<-4 :-;a state, a political subdivision '.'•!;j; :f! r'v'oLUhe foregoing.-... ^15-ADDITIONAL'CONDITIONS A. Premium.*.' If during the policy period the number of. insured highway vehicles owned by the .;.- named insured or spouse or the number of dealer's license plates Issued to the , ' named Insured changes, the named insured shall notify the company during the mion of any such government or an agency of'any • ,v,-.: ;i';[' recovery; which ' shall!^have against, such other person or organization "••s'••{&*'•'• • ' '"''. '• i'-'V' 1.-. 3'-. • '••.•••.&$£•-.., .'-^VT,' because.bf.^the.'.damages'-which are the-subject of claim made under this '''' ; ' ' ' " - . ' ' ' , - ' " • • ' ' 'j:-''••''•'' ---'i i'(c)^sljch"person shall do whatever.is proper to secure and shall do nothing alter nameo insureo cnangcs, me name a msureq snail nouiy me company during me , •-,.,: :, or.appropriate to reci policy period of any change and the premium shall'be adjusted in accoraance. ':^-i;or"organization,'such with the manuals in use by the company. If the earned premium thus computed. l".^:!.-Vevent of a-recovery • exceeds the advance premium paid, the named Insured shall pay the excess to ,1.-;,','for expenses'costs ai ... . . . . . . . . . . _ . . _ . .. .. proper to secure and shall do nothing •••/•',-loss to prejudice such rights;.-, '•",'!?!'''•;•''••••' • • (d) jf...requesled In writing by the company.^such person shall take, through any - % • represehtative(designated by the company, such action as may be necessary :,!or,appropriate to;recbver.suchpayment:as damages from such other person -... j. ——!„.!-. -—-^ acjjon |0 be taken in the name of such person; in the ,-the company shall be reimbursed out of such recovery and attorneys fees incurred by it in connection therewith; company such Instruments and .rights and obligations of such provision. , • . , . ' • ' ';lhe ^company written.proof of claim, under oath,If. .'.required, Including t full ..-H.; Payment of 'Loss by. the Company. '.'. particulars of the nature and extent of the injuries,-treatment,'and other details entering into the determination of the'amount^.payable hereunder. The-Insured and every other person making claim hereunder shall submit to.examinations' 'i'^'-'under'oath by any person named by the company and subscribe the same;:as |*$,Jv:{ often as may reasonably be required. Proof of claim shall be made upon'forms !3l&|r»furnished by the company unless the company shall have (ailed to furnish such' 1 "'Klji'form's^wUhin 15 days alter, receiving notice of claim, .'y ; , ' • ' ' - ' " .r ;','"'- (JTrTeMnlured person shall submit to physical examinations by physicians'selected "'ihejcoropany wjien-and.as Often as-the cbmparfy mayreasonably require ;ahd • ; Any', aniount.diie.n'e'r'eun'derls-payable • • ' ' * -:i'-^:-; • . • • ..>(ai,td the Insured, br,'''::i(vV • '.-',/ V' • .' (b) Jf.the lnsiired.be a minor to his parent or guardian, or '"!;'" (c):i(.i.he:'lnsiired,! Be deiie'ased to his surviving spouse, otherwise '•;.• (d) to a person authorized by law to receive such payment or to a person legally '-, .''eritltfed to: recover the damages which the payment represents; : ''provlded^fhe company may .at its option '.pay. any amount due hereunder In .-?faccord"ance'-wlth division (d) hereof. ' .j.-'v:,'." = . - . • r !'VV:'.';'-^'-vi/';, ;^,-v'!i'..:' :' -^''-'•; ' ••' " "'' . 'wi= i;i-;-ii' • :t.•'•:.•,'• :'•'& PERSONAL INJURY LIABILITY. INSURANCE COVERAGE.PART SCHEDULE For attachment to Policy No. 41 ST' 85 73 36 . to complete said policy. The insurance afforded is only with respect to personal Injury arising out of an offense Included Indicated by specific premium charge or charges. • ' , ' • " • ' '. <•; s<jt: within such of the following groups of offenses as are •-• GROUPS OF OFFENSES • • • • • : ' r > :' ' A. False Arrest, Detention or Imprisonment, or Malicious Prosecution -: : ': ' • ' • • ' ' B. Libel, Slander, Defamation or Violation of Right of Privacy '• < • ' ' ;.•> • • ' C. Wrongful Entry or Eviction or Other Invasion of Right of Private Occupancy •• ' •'• : Insured's Participation __ Q.: % (Minimum Premium !$••*. • ' '. : :' (Total Advance Premium ADVANCE PREMIUM $ Incl. $ Incl. $ Incl. $ Incl; Exclusion ;"C" is deleted. , !;. •.' : >,.;' Limit, of Liability: $300,000 aggregatei,'; I. COVERAGE P-PERSONAL INJURY LIABILITY ' ' ,. The company will pay on behalf of the Insured all sums which the Insured shall become legally obligated to pay as damages because of injury (herein'called •• "personal Injury") sustained by any person or organization and arising out of one or more of the following offenses committed In the conduct of the named .Insured's business: . . \ ;-,''••• • • • • ' . . • . • . • .1 ' ..j • Group A—false arrest, detention or imprisonment, or malicious prosecution; : Group B—the publication or utterance of a libel or slander or of other defamatory , or disparaging material, or a publication or utterance In violation of ' : an individual's right of privacy; except publications or utterances in ! 'the course of or related to advertising, broadcasting or telecasting ' activities conducted by or on behalf of the named Insured; Group C—wrongful entry or eviction, or other invasion of the right of private occupancy; • ' . ' ; ' " • ' . . • • such offense Is committed during the policy period within the United States 'of' nerica, its territories or possessions, or Canada,,and the company shall have the "--right and duty to defend any suit against the insured seeking damages on account of such personal injury even if any of the allegations of the suit are groundless, false or fraudulent, and may make such investigation and settlement'of any claim or suit as it deems expedient, but the company shall not be obligated to pay any claim or judgment or to defend any suit after the applicable limit of the company's liability has been exhausted by payment of judgments or settlements. !.;" ' • • , . . - • . Exclusions -' : ' • . .":_• ~* -. This insurance does not apply: .>' •. ' < -V- (a) to liability assumed by the Insured under any contract'or agreement; >',,,-. •<:£ .• (b) to personal inji|rv arising out of khe wilful violation of a penal statute or, ordinance committed by or with the knowledge or consent of any Insured; •;';••-: (c) to personal Injury sustained by any person as a result of an offense directly or indirectly related to the employment of such person by the named Insured; i (d) to personal injury arising out of any publication or utterance described In Group B, if the first injurious publication or utterance of the same or similar material by or on behalf of the named Insured was made prior to the effective date of this insurance; : , '.' ...... . : v' : : '-..'-.• i - (e) to personal Injury arising out of a publication or utterance described In Group B I'concerning any organization or business enterprise, or 11$ products or services, ; made by or at the direction of any Insured with knowledge of the falsity thereof. II. PERSONS INSURED , . . • • , • " . Each of the following Is an Insured under this Insurance lo the extent set forth • • • • • • - • • (a) If the.named insured is designated In the declarations as an individual, the . person 1 so designated and his spouse; r '., ; (b) If the-named Insured Is designated in'the declarations as a partnership or :' joint venture, the partnership or joint.venture so designated and any partner .. • or.member thereof but only with respect to his liability as such; (c) if the named Insured Is designated in the declarations as other than an Individual, partnership,or joint venture, the organization so designated and any executive officer;,director or stockholder thereof while .acting within the scope of his ' : V duties as such. " ' - '• '.'""':Vv'•'.•''. "| . This insurance does not apply to personal Injury arising out of the conduct of any partnership or joint venture of which the Insured is a partner or member and which Is not designated In this policy is'a named Insured, .j • :' ' x;••'•:•'• !;."..';.;•.,'-. VV.T.'••"' :;, V-• • ' • III. LIMITS OF LIABILITY INSURED'S PARTICIPATION ' '•: Regardless of the number of (1) Insureds under.this policy, (2) persons or organiza- tions who .sustain personal Injury, or (3) claims made or suits brought on account of personal injury, the total limit of the company's liability under this coverage for all damages shall not exceed the limit of personal Injury liability stated in the declarations as ."aggregate". '- :: • If a participation; percentage is slated in the schedule for the Insured, the company.shall not be" liable for a greater proportion of any loss than the difference •between'such percentage'and,one hundred percent and the balance of the loss shall be borne by the Insured; provided, the company may pay the Insured's portion "of a loss (6 effect settlement of the loss, and, upon notification of the action taken, ; the named.Insured shall promptly reimburse the company therefor. ' iv;;;Abi)iTJp|iAL;DEFINITION, :. ; . ': When" "used In'reference to this Insurance: •-' : ."damages" means 'only those damages which are payable because of personal '.Injury.arising put of an offense to which this insurance applies. in i tr Dn>/ T . t . 7 1 EMPLOYER'S LIABILITY STOP-GAP COVERAGE ENDORSEMENT It is agreed that such insurance as is afforded by the policy under Coverage Part....Bodily Injury Liability, applies also to the liability of the insured for damages because of bodily injury by accident or disease, including death at any time resulting therefrom, sustained by any employee of the insured arising out of and in the course of his employment by the insured in the United States Virgin Islands or in operations necessary or incidental thereto, subject to the following provisions: ' A. This insurance applies only provided the insured (1) has, where required, filed acceptance or election of the workmen's compensation law of the" United States Virgin Islands and will not file notice of rejection of the provisions of such laws during the policy period, (2) has insured all employees required to be insured under each such law and (3) duly reports all payrolls and pays all premiums due thereunder. B. As respects the insurance afforded by this endorsement, the exclusions of the policy are deleted. This insurance does not apply: a. to bodily injury by accident or disease, including death at any time resulting therefrom, sustained by a master or member of the crew of any vessel or by any employee of the insured in the course of an employment subject to the United States Longshoremen's and Harbor Workers' Compensation Act, U.S. Code (1946) Title 33, Sections 901-49 or the Federal Employers' Liability Act, U.S. Code (1946) Title 45, Sections 51-60, sustained by any member of the flying crew of any aircraft, or sustained by any employee with respect to whom the insured is not required to contribute to a workman's compensation insurance,fund; I b. to liability assumed by the insured under any contract or agreement, but this exclusion does not apply to a warranty that work performed by or on behalf of the insured will be done in a workmanlike manner; c. (1) to punitive or exemplary damages on account of bodily injury to or death of any employee employed in violation of law, or (2) with respect to any employee employed in violation of law with the knowledge or acquiescence of the insured or any executive officer thereof; d. to bodily injury by disease unless prior to thirty-six months after the end of the policy period written claim is made or suit is brought against the insured for damages because of such injury or death resulting therefrom; e. to any obligation for which the insured or any carrier as his insurer may be held liable under any workmen's compensation or occupational disease law, any unemployment compensation or disability benefits law, or un9er any similar law; f. to fines or penalties imposed on the insured for failure to comply with the requirements of any workmen's compensation, occupational disease or industrial safety law. C. Definitions ,'•. ... .; a. Bodily Injury by Accident; Bodily Injury by Disease. The contraction of disease is not an accident within the meaning of the word "accident" in the term "bodily injury by accident" and only such disease as results directly from a bodily injury by accident is included within the term "bodily injury by accident" and only such disease as results directly from a bodily injury by accident is included within the term "bodily injury by accident". The. term "bodily injury by accident". b. Assault and Battery. Assault and battery shall be deemed an accident unless committed by or at the direction of the insured. D. Application of Endorsement This endorsement applies only to injury (1) by accident occurring during the policy period, or (2) by disease caused or aggravated by exposure of which the last day of the last exposure, in the employment of the insured, to conditions causing the disease occurs during the policy period. E. Limits of Liability The limit of the Company's liability under this endorsement is $300,000 for all damages because of bodily injury by accident, including death at any time resulting therefrom, sustained by one or more employees in any one accident. The total limit of the Company's liability for all claims arising under the provisions of this endorsement shall not exceed $' 300,000 in any one annual period of insurance. The limits of liability stated herein shall not be cumulative with any limit of liability stated elsewhere in the policy. I • The inclusion herein of more than one insured shall not operate to increase the limits of the Company's liability. ;Ci|7/77) •:. C. Definitions :! . _•;:_ a. Bodily Injury by Accident;'Bodily Injury by Disease. The contraction of disease is not an accident within the meaning of the word "accident" in the term "bodily injury by accident" and only such disease as results directly from a bodily injury by accident is included within the term "bodily injury by accident" and only such disease as results directly from a bodily injury by accident is included within the term "bodily injury by accident". The term "bodily injury by accident". b. Assault and Battery. Assault and battery shall be deemed an accident unless committed by or at the direction of the insured. D. Application of Endorsement This endorsement applies only to injury (1) by accident occurring during the policy period, or (2) by disease caused or aggravated by exposure of which the last day of the last exposure, in the employment of the insured, to conditions causing the disease occurs during'the policy period. • E. Limits of Liability ! The limit of the Company's liability under this endorsement is $300,000 for all damages because of bodily injury by accident, including death at any time resulting therefrom, sustained by one or more employees in any one accident. The total limit of the Company's liability for all claims arising under the provisions of this endorsement shall not exceed $ 300,000 in any one annual period of insurance. The limits of liability stated herein shall not be cumulative with any limit of liability stated elsewhere in the policy. i The inclusion herein of more than one insured shall not operate to increase the limits of the Company's liability. : 711 ME . GUARDIAN INSURANCE CG.viPANY CPU BOX SltTI. CHM(IUI fi ^MAlll.Jl IIIOMAylli UKCIN ISI ANUS 00801 (KN'.WAL OF NUMBER n«d Insured and Mailing Address (No.. Street. Town. County. SUte. ZID) ^_ RAMSEY MOTORS, INC., HOLIDAY RENT-A-CAR fc R. i R. PROPERTIES, INC., HOs ANNA'S RETREAT ST. THOMAS, USVO 00802 UI.U'HONl: (809) 776-80SO HIEX: 3470)00 INSl'Kl C.E. BRATliWAITE 2. Policy Period: ONE (1) Years To 12:01 A.M. Standard Tune at location of designated premises. 3. The Named Insured is: CU Individual D Partnership I_; Corporation i_J Joint Venture LJ Other: 4. Designated Premises (r.Nrr* eo.o»i NO . M05 AJiHA'S RETREAT, ST THOMAS. USVI NO. 2 SAME AS AUOVE bLDG 3 No. 3 Occupancy ot Premises AUTO PARTS STORAGE, ETC. OFFICE [31 Additional buildings or premise* as designated on Supplemental Declarations attached. 5. Insurance is provided with respect lo the designated premises and with respect to those coverages and kinds of property (or winch a specific limit ul liability is shown, subject to all of the terms of this policy including forms and endorsements made a part hereof. SECTION 1 PROPERTY COVERAGE Appiicible LO C . HO . Limit ^ 1 Duu.. NO . 1 J Building(s) au % s oB.OOO $ «dO,000 s Personal Property of ihe Insured oO % $ 100, 000 $ $ Personal Property of Others % $ S s DEDUCTIBLE each occurrence $ If no dcduc sra MP MW $100 each occurrence aggregate each occurrence $ tible stated above, the ctible shall be $1.000 aggregate each occurrence Additional Cov iSiwcily) _ _ u ^ .. SECTION II LIABILITY COVERAGE Limit of Liability SMP Forn Bodily miury and Property Damage Liability Combined Single Limit each occurrence ,100,000 aggregate ,. ioo.ooo rsTuMioiM, cov ,s,«c,ivi Personal injury; xnipioj ••WOW A110 Premises Medical Payments each person s 1,000 each nccidcnl ilii.COO Bodily Injury Liability Prop DJIIIJ gc Liability Piemises Mi: dical Pay ^RX9P REFER TO COVERAGE PART OR ENDORSEMENT ^ers L1ab.-S>T.op iiap Au<Ju Pi-riud Non AudituOlc Unless Indicated Dy i*l G Annual DSemi Annual IJQuarteHy OMonihly Q Other: SECTION III-CRIME COVERAGE ;~.SECTION IV-BOILER AND MACHINERY COVERA r As stated in Ihe endorsement, made part of this Policy, if indicated by IJJ 6. Forms and bndo-semen.s made part of this policy a. time of issue: .•m . orms an n o - s e m n (msERT NO. AND EDIT. ON DATE) General Conili irons ForniMp"4lEi/""'' I List all I hose I onus anil endorsements which apply to both Section I und Section II including the General Condit 00<JO err pfjfyr "ft" Section I LiSl omv thoie lorms .i"d i:ndoisi:inents .ipplymg to Section I. Jl-1- i-iiw • « " Si'ciion II List omv thosi! lorms ,md endorsements applying to Suction II: Jut. C.MU I • n Section III L>st only those forms and endorsements applying lo Section III: Section IV List only those forms and endorsements dpplymg tc Section IV: em 7. Mortgagee {[ONE STATED IN AME AND ADDRESS) R^00176 O • CO2 tj lem 8. The Total Advance Premium is: (ENTER BELOW) S ,, 7-77 . and is payable S at inception, and $ al each anniverpry. C NOT APPLICABLE Unless indicated by and X in the box as "NOT APPLICABLE", the premium for installments subsequent to the initial installment shall be subject lo adjustment on the basis of lh« rates in effect al each anniversary dole ;ONDITIONS PARAMOUNT: 1. This policy is issued on the basis of the information supplied in the Application for Insurance which forms an integral part of this policy and is warranty to the extent that if any of the questions ure answered fraudulently, or in such a way as to conceal or misrepresent any material fact or the subiect thereof, the entire policy shall be void. 2. Regardless of any other provision of this policy, this policy does not apply to punitive or exemplary damages. 3. The insurance afforded by this policy covers only within the territory of the Virgin Islands of the United Stales of America. The reference in any form or endorsement to any other territory will not be construed as an extension to this limitation, unless expressed in writing in the space immediately following:.—————————————————————————————————————————————————_«*•?""—j&~ Counifrsiij.nai.urc O<ne I ill Agencyat St. ThOniBS , IN WITNESS WHEREOF, this Company has executed and attested these presents: but this policy shall not be valid unless countersigned by Ihe duly authorized agent oljthis Company, at the agency heieinbcfoic mentioned. . (Vt bocreiary GUARDIAN iNSURAiNCE COMPANY G.P.O. BOX 9109, CHARLOTTE AMALIE, ST. THOMAS, U.S. VIRGIN ISLANDS, 00801 «™> TtUX. 3470106 INSURt Thil andoriemont lormj a part o\ the designated policy and applies, unless othcrwisr stated herein, es ol the effective time and date ol such polic GUARDIAN INSURANCE COMPANY Ci.'DORStHDiT *1 jter s me nil Ircss r :>er and Town or County State) |_ RAMSAY ?'OTORS.IMC, HOLIDAY SEH7-A-CAR Policy No. CMP -ri'408 19 atl2;01A .V^ ACCOUNT OF THE FOULOWINC THE RUTURN PREMIUM is f Is consid«raTion of tha pre:nivini cnar^ed, it is 4gr«*d that Ford Motor Credit Corporation ia considered to be Loa» Fay«« >:ndar thft Automobile Physical Drtrnauro Insurance(dcalara) Fona All other tarais and conditions regain unchatxtred Thit endoriment ihall not bi binding upon the company unleit countenigned by • duly authorized rtpretentative ol the company. Counuriign«d by rjH en GUARDt,vN INSURANCE COMPANY G.P.O. BOX 9109, CHARLOTTE AMALIE, ST. THOMAS, U.S. VIRGIN ISLANDS, 008(11 11 Him. u Thil •ndori«m»ni lormj > pin of tho dtugntltd policy «nd applici. unlcsi oihcrvwijr ttilid htr«in. 11 ot the eKecii-.a I'M--: • I •' •!! ol vi ssued by Producer's Name and AUdreti GUARDIAN INSURANCE COMPANY C.E. BRATHWAITE & ASSOC BOX 758 ST THOMAS, SUVI 00801 SMP 5408 .1986 _12:C r 3N ACCOUNT Or 1IIE rdl.l 'Jwll n/a | ADDITIONAL PREMIUM 19 t __ _ . itORNPRtM.UM^ I -'I/3 Nomffd iM»'td . RAMSEY MOTORS, INC., HOLIDAY RENT A CAR & (N nu dm Aher ra end • R&R PROPERTIES, INC., f?405 ANNA'S RETREAT ircel. Town or - $T THOMAS, USVI 00802 City, County •nd State) I ENDORSEMENT "A" IT IS HEREBY UNDERSTOOD AflD AGREED THAT THE FOLLOWING FORMS AND ENDORSEMENTS ANE ADDED, TO AND FORM A PART OF SAID POLICY ALONG WITH THIS POLICY: FORM "n 0090 TfP 0010 MP 0012 MP 1205 MP 1041 MP 0331 A 110 A 130 CSL BE 24 L 6421 L 9287 GU 201 GU 9236a L 6150 ED. DATE 7-77 7-77 7-77 7-77 12-79 12-79 1-74 7-76 1-73 1-73 11-77 11-69 2-76 DESCRIPTION POLICY CONDITIONS & DEFINITIONS GENERAL BUILDING FORM GENERAL BUILDING PROPERTY FORM SUPPLEMENTAL DECLARATIONS ENDT SMP EARTHQUAKE EXTENSION ENDT SMP DEDUCTIBLE ENDT GARAGE INSURANCE ENDT AUTO PHYSICAL DAMAGE INS ENDT COMBINED SINGLE LIMIT ENDT EMPLOYERS LIAB. STOP GAP END I PREMISES MEDICAL PAYMENTS INC ENDT PERSONAL INJURY LIAB INS PUNITIVE OR EXEMPLARY DAMAGES EXCLUSION ENDT ESCALATORS EXCLUSION AMENDMENT OF POLICY SECT I GENERAL SECTION SECTION SECTION SECTION SECTION SECTION SECTION SECTION SECTION SECTION SECTION SECTION SECTION SECTION Thil indortmtm thill n Counltrtignid by ^jff* X"1 2T.J.S*'*1" •" •f***^' / JJ'v'*" L I S*f fl bt binding upon tht cofiptnif urj^jj-toun fAl ^t.,^,,.,. //%•;•;; ••• • ;--'^- by • duly •uthoriicd r«pr«i»ni«nve 'it li i.'j i, :?34 SPECIAL MULTI-PERIL POLICY CONDITIONS AND DEFINITIONS GENERAL CONDITIONS MP 00 90 (Ed. 07 77) The following Conditions apply lo Section I and appear in the specific coverage sections. 1. Premium. All premiums for this policy shall be computed in accor- dance with the Company's rules, rates, rating plans, premiums and mini- mum premiums applicable to the insurance afforded herein. If this policy is issued for a period in excess of one year with a specified expiration dale and a premium is payable at each anniversary, such pre- mium shall be determined annually on the basis ol the rales in effect at the anniversary date. II this policy is issued for a period without a specified expiration dale, it may be continued by payment of the required premium lor the succeed- ing annual period. Such premium must be paid lo the Company prior to each anniversary date; if not so paid, this policy shall expire on the first anniversary date that the said premium has not been received by the Company. 2. Time of Inception. To the extent that coverage in this policy replaces coverage in other policies terminating noon standard time on the incep- tion date ol this policy, coverage under this policy shall not become effec- tive until such other coverage has terminated. 3. Cancellation. I his policy may be cancelled by the named insured by surrender thereof to the Company or any of its authorized agents or by mailing to the Company written notice staling when thereafter the cancel- lation shall be ellective. This policy may be cancelled by the Company by mailing to the named insured at the mailing address shown in the Dec- larations, written notice stating when not less than ten days thereafter such cancellation shall be effective. The mailing of notice as aforesaid shall be sufficient proof o! notice. The time ol surrender or the effective dale and hour of cancellation stated in the notice shall become the end of the policy period. Delivery of such written notice either by the named insured or by the Company shall be equivalent lo mailing. If the named insured cancels, the Company shall, upon demand and sur- render of this policy, refund the excess of paid premium above the cus- tomary short rales for the expired time. If the Company cancels, earned premium shall be computed pro rata. Premium adjustment may be made either at the time cancellation is effected or as soon as practicable after cancellation becomes effective, but payment or tender of unearned pre- mium is not a condition of cancellation. Notice ol cancellation addressed lo the named insured and, mailed lo the mailing address shown in the Declarations shall be sufficient notice lo ellect cancellation ol this policy. 4. Concealment or Fraud. This policy is void if any insured has inten- tionally concealed or misrepresented any material fact or circumstance relating to this insurance. 5. Assignment. Assignment of interest under this policy shall not bind the Company until its consent is endorsed hereon. However, if the named injured shall die, this insurance shall apply: (a) to the named insured': legal representative, as the named insured, but only while acting within the scope of his duties as such; or (b)io the person having temporary custody of the property of the named insured but only until the appointment and qualification of the legal representative. except as otherwise indicated. Additional Conditions or modifications of the following Conditions may 6. Subrotation. (a) In the event of any payment under this policy, the Company shall be subrogaled to all the msured's rights of recovery against any person or organization and the insured shall execute and deliver mslru ments and papers and do whatever else is necessary to secure such rights. The insured shall do nothing alter loss (o prejudice such rights (b) The Company shall not be bound lo pay any loss if the insured has impaired any right of recovery lor loss; however, it is agreed that the insured may: (1) as respects properly while on the premises of the insured release others in writing from liability lor loss prior to loss, and such release shall not aflecl the right of Ihe insured to recover hereunder, and (2) as respects properly in transit, accept such bills of lading, receipts or contracts of transportation as are ordinarily issued by carriers containing a limitation as lo Ihe value ol such goods or merchandise. 7. Inspection and Audit. The Company shall be permitted but not obh gated lo inspect the named msured's property and operations at any time. Neither the Company's right to make inspections nor Ihe making thereof nor any report thereon shall constitute an undertaking on behalf of or for the benefit of the named insured or others lo determine or warrant that such property or operations are sale or healthful or are in compliance with any law. rule or regulation. The Company may examine and audit Ihe named insured s books and records at any lime during the policy period and extensions and within three years after the final termination of this policy, as far as they relate to Ihe subject matter of this insurance. 8. Liberalization Clause. In Ihe event any filing is submitted lo Ihe in surance supervisory authorities on behalf of the Company, and: (a) Ihe filing is approved or accepted by the insurance authorities to be effective while this policy is in force or within 45 days prior to its inception; and (b)lhe filing includes insurance forms or other provisions that would extend or broaden this insurance by endorsement or sub- stitution of form, without additional premium; the benefit ol such extended or broadened insurance shall inure lo the benefit of the insured as though the endorsement or substitution of form had been made. 9. Insurance Under More Than One Covetaje. Part or Endorsement. In the event (hat more than one coverage, part or endorsement ol this policy insures the same loss, damage or claim. Ihe Company shall not be liable for more than the actual loss or damage sustained by Ihe insured. 10. Waiver or Chanje of Provisions. The terms of this insurance shall not be waived, changed or modified except by endorsement issued lo form a part ol this policy. Ml' UU 'JO dil. U/ //) Pa(e 1 ol 6 CONDITIONS APPLICABLE TO SECTION I : Territory. Section I ol this policy applies only In loss the policy period while such properly is within 01 be t^__^ies ol the United Stales ol America. Ihe District ol Co uerlo Rico Ic. Unless otherwise provided in the Declarations: ium ol J100 shall be deducted Irom the amount ol loss to in any one occurrence, llns deductible shall apply. eparately to each building, including personal property ni: eparately to personal property in each building il no coverage Dviaed on the containing building: and eparately to personal property in the open (including within :les). aggregate amount ol this deductible in any one occurrence exceed $1.000. ince Clause. Ine Company shall not be liable lor a greater ol any loss to property covered than Ihe limit ol liability )olicy lor such properly bears to the amount produced by mul actual cash value ol such properly at the time ol the loss by ince percentage stated in the Declarations. 1 that Ihe aggregate claim lor any loss is both less than 110.000 an 5% ol the limit ol liability lor all contributing insurance .0 the property involved at the time such loss occurs, no special ic appraisement of Ihe undamaged property shall be required hat nothing herein shall be construed to waive Ihe application paragraph ol this clause e under Section I ol this policy is divided into separate limits the loregomg shall apply separately to the properly covered such limit ol liability al. Ihis policy covers loss by removal ol the properly covered Imm premises endangered by the perils insured against, and -,urance applies pro rata lor live days at each proper place k jperty shall necessarily be removed lor preservation Removal. Ihis policy covers expense incurred in the removal .! trie properly covered which may be occasioned by loss by any its insured against in this poncy The total amount recoverable ; policy for both loss to property and debris removal expense eiceed Ihe limit of liability applying to the property Cost of re- Jerjns shall not be considered in the determination ol actual cash n applying the Coinsurance Clause. :isk And Governmental Action Eiclusion. This policy under Sec- li not apply to loss caused, directly or indirectly, by or due to any .dition incident to Ihe lollowmg: iMne or warlike action in lime ol peace or war. including action loenng. combating or detendmg against an actual, impending or ted attack (i) by any government or sovereign power (de jure or do), or by any authority maintaining or using military, naval or rces: or (ii) by military, naval or air forces; or (iii) by an agent . such government, power, authority or forces, it being under- mat any discnarge, explosion or use ol any weapon ol war em- ne nuclear fission or fusion shall be conclusively presumed to jch a hostile or warlike action by such a government, power, iriiy or forces. isurrection. rebellion, revolution, civil war. usurped power, or n tanen by governmenlal authority in hindering, combating or idmg against sucn an occurrence: seizure or destruction under antine or cuslom s regulations, confiscation by order ol any gov- lent or public authority, or risks ol contraband or illegal trans- ition or trade ear Clause And Nuclear Exclusion. (uciear Clause (Not Applicable in New York). The word "lire" in policy is not intended to and does not embrace nuclear reaction or ear radiation or radioactive contamination, all whether controlled 'oiled, and loss by nuclear reaction or nuclear radiation ur . conummation is nol intended to be and is not insured rt* oy this policy, whether such loss be direct or indirect, proxi- j or remote, or be in whole or in part caused by. contributed to. iQ-jravaled by "IKS" or any otner perils insured against by this policy. However, subiect lo the foregoing and all provisions ol this policy, direct loss by "lire" resulting from nuclear reaction or nuclear radiation or radioactive contamination is insured against by Ihis policy. (b) Hucleai Clause (Applicable only in New York): This policy does not cover loss or damage caused by nuclear reaction or nuclear radiation or radioactive contamination, all whether directly or indirectly result- ing from an insured peril under this policy. (c) Nuclear Exclusion (Nol Applicable in New York): Loss by nuclear reaction or nuclear radiation or radioactive contamination, all whether controlled or uncontrolled, or due lo any act or condition incident lo any of Ihe foregoing is nol insured against by this policy, whether such loss be direct or indirect, proximate or remote, or be in whole or in part caused by. contributed lo. or aggravated by any of Ihe perils in- sured against by this policy: and nuclear reaction or nuclear radiation or radioactive contamination, all whether controlled or uncontrolled. is nol "explosion" or "smoke". This clause applies to all perils insured against hereunder except the peril of lire, which is otherwise provided lor in the nuclear clause above. 8. Other Insurance. (a) II at Ihe time ot loss there is other insurance written in the name ol Ihe insured upon Ihe same plan, terms, conditions and provisions as contained in Ihis policy, herein referred la as Contributing Insur- ance, Ihe Company shall be liable for no greater proportion of any loss than Ihe limit ol liability under this policy bears to Ihe whole amount of insurance covering such loss. (b) II at Ihe lime ol loss there is other insurance other than that as described in (a) above, the Company shall nol be liable lor any loss hereunder until: (1)the Liability ol such other insurance has been exhausted, and (2) then lor only such amount as may exceed the amount due Irom such other insurance, whether collectible or not. 9. Duties Of The Named Insured After A Loss. In case of loss Ihe named insured shall: (a) give immediate written notice ol such loss to Ihe Company; (b) protect Ihe building and personal properly Irom further damage, make reasonable temporary repairs required to protect the properly, and keep an accurate record ol repair expenditures: (g prepare an inventory ol damaged personal property showing in de- tail, quantity, description, actual cash value and amount ol loss. Attach lo the inventory all bills, receipts and related documents thai sub- stantiate the figures in Ihe inventory; (d) exhibit the remains ol the damaged property as olten as may be reasonably required by the Company and submit lo examination un- der oath; (e) submit lo Ihe Company within 60 days alter requested a signed, sworn statement ol loss that sets forth to Ihe best ol the named in- sured s knowledge and belief: (1) Ihe time and cause of loss; (2) interest of the insured and all others in the property involved and all encumbrances on Ihe property; (31 other policies ol insurance that may cover Ihe loss; (4) changes in title or occupancy ol the properly during the term ol the policy; (Si speculations ol any damaged building and detailed estimates lor repai' of the damage; (6) an inventory ol damaged personal property described in (c) above: (f) give notice ol such loss to the proper police authority il loss is due to a violation ol law 10. Appraisal. If Ihe named insured and Ihe Company fail to agree on Ihe amount of the loss, either can demand that Ihe amount ol loss be set by appraisal If either parly makes a written demand lor appraisal, each shall select a competent independent appraiser. Each shall notify the other ol Ihe selected appraiser s identity within twenty (20) days ot Ihe receipt ol Ihe written oemand 0 90 (Eu. 07 77, Pate 2 ol 6 The two appraisers shall select a competent, impartial umpire. If the ap- praisers are unable to agree upon an umpire within lilteen (15) days, the named insured or the Company may petition a iudge ol a Court ol Record in the state where the insured premises is located to select an umpire. The appraisers shall then set the amount ol the loss. II the appraisers sub- mit a written report of an agreement to the Company, the amount agreed upon shall be the amount ol the loss. II the appraisers fail to agree within a reasonable lime, they shall submit their dillerences to the umpire. Writ- ten agreement signed by any two ol these three shall set the amount ol loss. Each appraiser shall be paid by the party selecting that appraiser. Other expenses ol the appraisal and compensation of the umpire shall be paid equally by the named insured and the Company. 11. Company Options. II the Company gives notice within thirty (30) days after it has received a signed, sworn statement ol loss, it shall have the option to lake all or any part of the property damaged at an agreed value, or to repair, rebuild or replace il with equivalent property. 12. Abandonment Of Property. The Company need not accept any prop- erty abandoned by an insured. 13. Payment Of Loss. The Company will pay all adjusted claims within thirty (30) days alter presentation and acceptance of the proof of loss. 14. Private To Adjust With Owner. (a) Except as provided in (b) below, or unless another payee is speci- fically named in the policy, loss, if any, shall be adjusted with and payable to the named insured. (b) In the event claim is made for damage to property of others held by the insured, the right to adjust such loss or damage with the owner or owners ol the property is reserved to the Company and the receipt ol payment by such owner or owners in satisfaction thereof shall be in lull satisfaction ol any claim of the insured lor which such pay- ment has been made. If legal proceedings be taken to enforce a claim against the insured as respects any such loss or damage, the Company reserves the right at .its option without expense to the insured to conduct and control the defense on behalf of and in the name ol the insured. No action of the Company in such regard shall increase the liability ol Ihe Company under this policy, nor increase the limits of liability specified in the policy. 15. Suit. No suit shall be brought on Ihis policy unless the insured has complied with all Ihe policy provisions and has commenced the suit within one year after the loss occurs. 16. Permits And Use. Except as otherwise provided, permission js granted: (a) to make alterations and repairs: (b)in the event ol loss hereunder, to make reasonable repairs, tem- porary or permanent, provided such repairs are confined solely to the protection ol the property Irom further damage, and provided further that Ihe insured shall keep an accurate record ol such repair ex- penditures. Ihe cost of any such repairs directly attributable to dam- age by any peril insured against shall be included in determining Ihe amount of loss hereunder. Nothing herein contained is intended to modily the policy requirements applicable in case loss occurs, and in particular the requirement that, in case loss occurs, the insured shall protect the property from further damage. 17. Vacancy, Unoccupancy and Increase of Hazard. (a) This Company shall not be liable for loss occurring while a de- scribed building, whether intended lor occupancy by owner or tenant is vacant beyond a period of sixty consecutive days. "Vacant" or "Vacancy" means containing no contents pertaining to operations or activities customary to occupancy of the building, but a building in process ol construction shall not be deemed vacant. (b) Permission is granted for unoccupancy. (c) Unless otherwise provided in writing added hereto this Company shall not be liable for loss occurring while the hazard is increased by any means wilhin the control or knowledge of Ihe insured. 18. Protective SjfejuartU H as a condition ol this insurance that the in sured shall maintain so lar as is within his control such protective sale- guards as are set lorth by endorsement hereto. Failure to maintain such protective safeguards shall suspend this insur- ance only as respects the location or situation affected for Ihe lime ol such discontinuance. 19. Mortjaie Clause—Applicable Only To Building. This clause is effec- tive if a mortgagee is named in Ihe Declarations. The word "mortgagee" includes "trustee". Loss to buildings shall be payable to Ihe named mort- gagee as interest may appear, under all present or future mortgages on Ihe buildings described in the Declarations in order of precedence ol mort- gages on them. As it applies to the interest of any mortgagee designated in the Declarations, this insurance shall not be affected by any of Ihe following: (a) any act or neglect ol Ihe mortgagor or owner of Ihe described buildings; (b)any foreclosure or other proceedings or notice of sale relating to Ihe property; (c) any change in the title or ownership of the properly; (d) occupancy ol the premises for purposes more hazardous than are permitted by this policy: provided, that in case the mortgagor or owner shall neglect to pay any pre- mium due under this policy, Ihe mortgagee shall, on demand, pay the pre- mium. The mortgagee shall notify the Company ol any change ol ownership or occupancy or increase ol hazard which shall come to Ihe knowledge ol the mortgagee. Unless permitted by this policy, such change of ownership or occupancy or increase of haiard shall be noted on Ihe policy and the mortgagee shall on demand pay Ihe premium lor the increased hazard for the term it existed under this policy. II such premium is not paid, this policy shall be null and void. The Company reserves the right to cancel this policy at any lime as pro- vided by its terms. II so cancelled, (his policy shall continue in force for the benefit only ol the mortgagee for ten days after notice to the mortgagee of such cancellation and shall then cease. The Company shall have the right to cancel this agreement on ten days notice to Ihe mortgagee. When Ihe Company shall pay Ihe mortgagee any sum lor loss under this policy, and shall claim thai, as to the mortgagor or owner, no liability therefor existed, Ihe Company shall, to the exlent of such payment, be thereupon legally subrogaled to all the rights of Ihe mortgagee to whom such payment shall have been made, under Ihe mortgage debt. In lieu ol laking such subrogation, the Company may. at ils option, pay to the mortgagee the whole principal due or to grow due on the mortgage, with interest accrued and shall thereupon receive a lull assignment and trans- fer of Ihe mortgage and of all such other securities. However, no subroga lion shall impair the right of the mortgagee to recover the full amount of said mortgagee's claim. 20. Recoveriei. In the event the Company has made a payment lor loss under Ihe policy and a subsequent recovery is made of Ihe lost or dam- aged property, the insured shall be entitled to all recoveries in excess ol the amount paid by the Company, less only Ihe actual cost ol elleclmg such recoveries. 21. Loss Clause. Any loss hereunder shall not reduce Ihe amount ol this insurance. 22. No Benefit To Bailee. This insurance shall not inure directly or in- directly to the benefil ol any carrier or other bailee. 23. No Control. This insurance shall not be prejudiced: (a) by any act or neglect ol Ihe owner of any building il the insured is no! the owner thereof, or by any act or neglect ol any occupant (other than Ihe insured) ol any building when such act or neglect of the owner or occupant is not within the control of the insured, or (b)by failure ol the insured to comply with any warranty or condi lion contained in any endorsement attached to Ihis policy with re gard to any portion of the premises over which Ihe insured has no control. MP 00 90 (Ed. 07 77) Pa[e 3 ol 6 CONDITIONS APPLICABLE TO SECTION II ementary Payments. The Comoany will pay. in addition to Ihe e limit o! liability: I expenses incurred bv the Omoanv. all costs taxed against the eti in any suit defended by ir.e ComDany and all interest on the ; amount of any judgment tnerem wmch accrues alter entry ol udgment and beiore tne Comoany has paid or tendered or de- ed in court that part ot the judgment which does not exceed the 01 tne Company s liability thereon: remiums on aooeal bonds required "i any such suit premiums andi to release attacnmenls in any sucn suit lor an amount not cess ol the applicable limit ol liability of this policy, and the ol oail bonds required of the insured because oi accident or iralhc /iDlation arising out of the use of any vehicle to which this policy es. not to exceed J250 per bail bond, but the Company shall have jiiganon to apply for or furnish any sucn bonds: xoenses incurred by the insured for first aid to others at the oi an accident, lor bodily injury to who this policy apolies: easonable expenses incurred by the insured at the Comoany s est in assisting tne Company in the investigation or deiense of ciaim or suit, including actual loss ot earnings not to exceed S25 :av. nium. Premium Designated in this policy as 'advance premium" icsit premium omy which shall be credited to the amount ol the oremium due at the end ol the policy period. At the close of each i or part thereof terminating with the end ol the policy period) ;ea m the Declarations as the audit period the earned premium computed tor such period and. upon notice thereof to the named snail become due and payable If the total earned oremium lor icv oenod is less than tne premium previously paid, the Comoany turn to the named insured the unearned portion paid bv Ihe named >ured shall maintain records ot such information as is neces- r^_«Tiium comoutation and shall seno copies ot such records to Tioany at tne end of the policy period and at such times durme the lenod as the Company may direct. ancial Responsibility Laws. When this policy is certified as proof ncidi responsibility lor the future under the provisions oi any motor unancial responsibility law. such insurance as is allorded by this tor bodily injury liability or for property damage liability shall com- h the provisions ot such law to tne extent of the coverage and limits ihtv reauired by such law. The insured agrees to reimburse the Com- or any payment made by the Company which it would not have oeen ed to make under tne terms ol tnis policy except lor tne agreement neo m tnis paragraph iured's Duties in the Event of Occurrence. Claim or Suit. ) In the event of an occurrence, written notice containing particulars inoent to iQentiiy tne insured and also reasonably obtainable in- •mation wiln respect to the time, place and circumstances thereof d tne names and addresses of the injured and ol available witnesses all DC given by or tor Ihe insured to the Company or any ot its tnonzed agents as soon as practicable. i Ir claim is made or suit is brouent against the insured, the insured 'all immediatelv forward to the Comoany every demand, notice, mmons or other process received bv him or his representative. ) Tne insured shall cooperate with Ihe Company and. upon the Com- inv s reouest. assist m making settlements, m the conduct ol suits id in emorcing any right ol contribution or indemnity against any irson or organization who may be liable to the insured because of iiurv or damage with respect to which insurance is afforded under us policy: and tne insured shall attend hearings and trials and assist i securm? and Eivme evidence and obtaining the attendance ol wi! esses The insured snail not. except at his own cost, volunlaniv maKe ny payment, assume any obligation or incur any expense otner man •i aid to otners at the time of accident. I Reports: Proof and Payment of Claim. As soon as practicable ^swec person or someone on his behalf shall eive to tne Company sn 3'Ojl ol claim, under oath il required, and shall alter eacn re- t IroT, tne Comoan/. execute authorization to enable tne Comoam Ham meoicai reoorn and copies of records. The miureo person Shall •.it tc physical examination by phvsicians selected by tne Company wnen and as often as the Company may reasonably require. The Corr,;a~y may pay the iniured person or any person or organization rendering tr.e services and tne payment shall reduce the amount payable hereunoei io f such injury. Payment hereunder shall not constitute an admission oi lia- bility of any person or. except hereunder. of the Company 6. Action Against Company. No action shall lie against Ihe Company y less, as a condition precedent thereto, there shall have been lull CCT- pnance with all ol the terms of this policy, nor until the amount o: th» insured': obligation to pay shall have been finally determined either ov judgment against the insured after actual trial or by written agreement ol the insured, the claimant and the Company. Any person or organization or the legal representative thereof wnr r.as secured such judgment or written agreement shall thereafter be en;.tied to recover under this policy to the extent of the insurance afforded t. tn:s policy. No person or organization shall have any right under this poi>;y tc join the Company as a party in any action against the insured to determine the insured'; liability, nor shall the Company be impleaded by the insured or his legal representative. Bankruptcy or insolvency of the insured or o! the insured': estate shall not relieve the Company ol any of its obligai-ens hereunder. 7. Other Insurance. The insurance afforded by this policy is onmar. in- surance. except when stated to apply m excess ol or contingent upor tne absence of other insurance. When this insurance is primary and It 1? in- sured has other insurance which is stated to be applicable to the las on an excess or contingent basis, the amount of the Company s liability unoer this policy shah not be reduced by the existence of such other insurance When both this insurance and other insurance apply to the loss c"> '.ie same basis, whether primary, excess or contingent, the Comoan> ;na.i not be liable under this oolicv lor a greater proportion ot the loss than ma! staled in tne applicable contribution provision below: (a) Contribution by Equal Shires. II all ol such other valid ana cc'ie:: ible insurance provides for contribution by equal shares, tne Corrcaru shall not be liable tor a greater proportion ol such loss than would o* payable if each msuier contributes an equal share until the sna'E o' each insurer equals Ihe lowest applicable limit of liabunv unoe- any- one policy or the lull amount of the loss is paid, and with resoe:t to any amount o! loss not so oaid the remaining insurers then continue to contribute equal shares of the remaining amount of the loss unti. , each such insurer has paid its limit in lull or the lull amount :' the loss is paid (b) Contribution by limits. II any ol such other insurance dcs; no: provide lor contribution by equal shares, the Companv shall r-- be liable lor a greater proportion ol such loss than the applicable nm,; of liability under this policy for such loss bears to the total appn:aoi° limit ol liability of all valid and collectible insurance against sucn ess 8. Annual Ajtrejale. If this policy is issued for a period in excess n' one year, any limit ol the Company s liability stated m this policy as a-: gregate" shall appiy separately to each consecutive annual period. 9. Nuclear Exclusion. I. This policy does not apply: U) Under any Liability Coverage, to bodily injury or property oamajt (liwilh respect to which an insured under this pohcv is aK? an insured under a nuclear energy liability policy issued by Nuciea: Energy Liability Insurance Association. Mutual Atomic [nercy Liability Underwriters or Nuclear Insurance Association ol Canada or would be an insured under any such policy but lor its termma lion upon exhaustion of its limit of liability: or (2) resulting from the haiardous properties ot nuclear material and witn respect to which (i) any person or organization : r? quired to maintain financial protection pursuant to the A;;mic Energy Act ol 1954. or any law amendatory thereof or < !r-j insured 13. or had this policy not been issued would be. e r! tieo to indemnity from the United States ol America, or any j.-?nc\ thereof, under any agreement entered into by the United Sla:;s oi America, or any agency tnereol. with any person or orgam;a:ion (b) Under anv Medical Payments Coverage, or under any Supo'?men tary Payments provision relating to first aid. to expenses mi'.rrec witn respect to bodily injury resulting from the hazardous properties ol nuclear material and arising out of the operation oi a nuciear \i cility by anv person or oreamzation nf fi (c) Under any Liability Coverage, to bodily injury or property damage resulting from the hazardous properties o! nuclear material, il (1)the nuclear material (i) is at any nuclear facility owned by, or operated by or on behall ol. an insured or (n) has been dis- charged or dispersed therefrom; (2) the nuclear material is contained in spent fuel or waste at any time possessed, handled, used, processed, stored, trans- ported or disposed of ly or on behall ol an insured; or (3) the bodily injury or properly damage arises out of the furn- ishing by an insured of services, materials, parts or equipment in connection with the planning, construction, maintenance, op- eration or use of any nuclear facility, but if such facility is located within the United Slates ol America, its territories or possessions or Canada, this exclusion (3) applies only to properly damage In such nuclear facility and any properly thereat. II. As used in this exclusion "hazardous properties" include radioactive, toxic or explosive prop- erties; "nuclear material" means source material, special nuclear material or byproduct material; "source material", "special nuclear material", and "byproduct ma- terial" have the meanings given them in the Atomic Energy Act of 1954 or in any law amendatory thereof: "spent fuel" means any fuel element or fuel component, solid or liquid, which has been used or exposed to radiation in a nuclear reactor; "waste" means any waste material (1) containing byproducl mattriil and (2) resulting from the operation by any person or organization of any nuclear facility included within the definition of nuclear facility under paragraph (a) or (b) thereof; "nuclear facility" means (a) any nuclear reactor, (b) any equipment or device designed or used for (1) separal ing the isotopes ol uranium or plutonium. (2) processing or utilizing spent fuel, or (3) handling, processing or packaging waste, (c) any equipment or device used for the processing, fabricat- ing or alloying of special nuclear material if at any time the total amount of such material in the custody of the insured at the premises where such equipment or device is located consists ol or contains more than 25 grams of plutonium or uranium 233 or any combination thereof, or more than 250 grams of uranium 235, (d)any structure, basin, excavation, premises or place prepared or used lor the storage or disposal ot wist«, and includes the site on which any of the foregoing is located, all operations conducted on such site and all premises used for such operations; "nuclear reactor" means any apparatus designed or used to sustain nuclear fission in a sell-supporting chain reaction or to contain a critical mass of fissionable material; "properly dimaje" includes all lorms of radioactive contamination ol property. MP 00 90 (Cd. 07 77) Page 5 ol 6 DEFINITIONS APPLICABLE TO SECTION II i' ~ed in the provisions applicable to Section II of this policy (mclud- sements forming a part hereof): uftjmtibile" means a land motor vehicle, trailer or semitrailer designed • travel on public roads (including any machinery or apparatus attached ereto). but does not include mobile equipment; odily injury" means bodily injury, sickness or disease sustained by any rson which occurs during the policy period, including death at any time suiting therefrom; ollapse hazard" includes "structural property damage" as defined rein and property damage to any other property at any time resulting erelrom. "Structural property damage" means the collapse of or slruc- ral injury to any building or structure due to (1) grading of land, ex- vating, borrowing, filling, back-filling, tunneling, pile driving, cofferdam ark or caisson work, or (2) moving, shoring, underpinning, raising or :molition of any building or structure or removal or rebuilding of any ructural support thereof. The collapse hazard does not include property ama[e (1) arising out of operations performed for the named insured / independent contractors, or (2) included within the completed opera- ons hazard or the under(round property damage hazard, or (3) lor which ability is assumed by the insured under an incidental contract; completed operations hazard" includes bodily injury and property dam- It arising out of operations or reliance upon a representation i' warranty lade at any time with respect thereto, but only if the bodily injury or prop- rly damage occurs alter such operations have been completed or aban- oned and occurs away from premises owned by or rented to the named nsured. "Operations" include materials, parts or equipment furnished in onnection therewith. Operations shall be deemed completed at the earliest I the following times: (1)when all operations to be performed by or on behalf ol the named insured under the contract have been completed, (2) when all operations to be performed by or on behalf of the named insured at the site ol the operations have been completed, or "'i when the portion of the work out ol which the injury or damage .es has been put to its intended use by any person or organization ^^^tfier than another contractor or subcontractor engaged in performing operations lor a principal as a part ol the same protect. Operations which may require further service or maintenance work, or correction, repair or replacement because of any deled or deficiency, but which are otherwise complete, shall be deemed completed. The completed operations hazard does not include bodily injury or prop- ' erty damage arising out of (a) operations in connection with Ihe transportation of property, un- less the bodily injury or property damage arises out ol a condition in or on a vehicle created by the loading or unloading thereof. (b) the existence of tools, unmslalled equipment or abandoned or unused materials, or (c) operations lor which the classification slated in the policy or in the company's manual specifies "including completed operations"; "elevator" means any hoisting or lowering device to connect floors or landings, whether or not in service, and all appliances thereof including any car. platform, shaft, hoistway, stairway, runway, power equipment and machinery; but does not include an automobile servicing hoist, or a hoist without a platform outside a building il without mechanical power or if not attached to building walls, or a hod or material hoist used in altera- tion. construction or demolition operations, or an inclined conveyor used exclusively for carrying property or a dumbwaiter used exclusively for carrying property and having a compartment height not exceeding four feet: "explosion hazard" includes property damage arising out ol blasting or explosion. The explosion hazard does not include property damage (1) aris- ing out ol the explosion of air or steam vessels, piping under pressure. prime movers, machinery or power transmitting equipment, or (2) arising out ol operations perlormed lor the named insured by independent con- tractors. or (3) included within the completed operations hazard or the underground properly damage hazard, or (4) lor which liability is assumed 'he insured under an incidental contract; ^ contract" means any written (1) lease ol premises. (2) ease- ~7nenl agreement, except in connection with construction or demolition operations on or adjacent to a railroad. ui unuerukmg tu indemnity ,i municipality required by municipal ordinance, except in connection with work for the municipality. (4) sidetrack agreement, or (5) elevator mamle nance agreement; "insured" means any person or organization qualifying as on insured in the "Persons Insured" provision ol Ihe applicable insurance coverage The insurance allorded applies separately to each insured .ijainsl whom claim is made or suit is brought, except with respect to Ih? limits ol Ihe company's liability; "mobile equipment" means a land vehicle (including jny macmnery or apparatus attached Ihereto), whether or not self propelled. (I i not suuiect to motor vehicle registration, or (2) maintained lor use exclusively on premises owned by or rented to the named insured, including the ways immediately adjoining, or (3) designed lor use principally til public roads, or (4) designed or maintained for the sole purpose ot affording mobility to equipment ol the following types forming an integral part of or per manently attached to such vehicle: power cranes, shovels, loaders, diggers and drills: concrete miters (other than the mix in transit type): graders, scrapers, rollers and other road construction or repair equipment: air- compressors, pumps and generators, including spraying, weld me and building cleaning equipment; and geophysical exploration and well servic ing equipment; "named insured" means the person or organization named in Mem I ol the declarations of this policy; "named insured's products" means goods or products manulaclured sold, handled or distributed by Ihe named insured or by others ti.iom? under his name, including any container thereof (other man a vemciei. but "named insured's products" shall not include a vending m.icnine 01 jny property other than such container, rented to or located lor use ot otheis but not sold: "occurrence" means an accident, including continuous ui repeated i:« posure to conditions, which results in bodily injury m properly damage neither expected nor intended from the standpoint ol inn msurea: "policy territory" means (1) Ihe United States ol America, its lemiunts or iiosseiiiuns or Canada, or (2) international waters or air space, provided the bodily injury nr property damage does not occur in the course ol travel or tnn'.poiia tion to or Irom any other country, stale or notion, rr (3) anywhere in the world with respect to damages because ol bodily injury or properly damage arising out ol 3 product which .vas sold lor use or consumption within the territory descnoed in EjragraDh (I) above, provided the original suit for such damages is hroutght within such territory: "products hazard" includes bodily injury and property dama;e arising out ol Ihe named insured's products or reliance upon a representation nr warranty made at any time with respect Ihereto. but only if Ihe bodily in- jury or properly damage occurs away Irom premises owned bv or icmed lo the named insured and alter physical possession ol such product; h.is been relinquished to others: "property damage" means (1) physical m|ury to or destruction ol tangible properly which occurs during Ihe policy period, including tne loss ol use thereof al any time resulting Iherelrom. or (2) loss 01 use ol tangible prop- erly which has not been physically injured or destroyed provided bucn loss of use is caused by an occurrence during the policv periua. "underground properly damage hazard" includes underground urouerly damage as defined herein and property damage lo any other property at any time resulting therelrom. "Underground properly jamaee means property damage lo wires, conduits, pipes, mains, sewers, tan«s. tunnels, any similar property, and any apparatus in connection therewith beneath Ihe surface of the ground or water, caused bv and occurring dunne Ihe use of mechanical equipment for Ihe purpose of granine t.ind caving, ex cavalmg, drilling, borrowing, lilting, back-lillmp or pilo <lnvinp the under- ground properly damage hazard does not include properly damage (I) arising out ol operations perlormed for Ihe named insured ov independent contractors, or (2) included within the completed operations nazaid. ui (3) lor which liability is assumed by the insured under .in incidental con- tract. MP 00 90 (Ed. 07 77) Pate 6 nf 6 '24 O COINSURANCE CONTRACT SPECIAL MULTI-PERIL POL' ' SECTION I— GENERAL BUILDING ,-ORM (Ed. 0777) I. PROPERTY COVERED BUILDING(S): Buildmg(s) 01 struclure(S) shall include attached additions and eiicnsions: futures, machinery and equipment constituting a per- manent part ol and pertaining to the service ol the buildmg(s): materials and supplies intended for use in construction, alteration or repair of the buildmg(s) or structure(s): yard fixtures: personal properly of the insured used lor the maintenance or service of the building(s). including lire ex- tinguishing apparatus, outdoor furniture, door coverings and appliances lor relngeralmg, ventilating, cooking, dishwashing and laundering (but not including other personal property in apartments or rooms furnished by the named insured as landlord), .ill while at the designated premises This policy does not cover: II. PROPERTY NOT COVERED C. Outdoor signs, whether or not attached to a building or structure A. Outdoor swimming pools: fences: piers, wharves and docks, beach or diving platforms or appurtenances: retaining walls not constituting a part ol a building: walks, roadways and other paved surlaces. B. The cost of excavations, grading or filling: foundations of buildings, machinery, boilers or engines when such foundations are below the un- dersurlace of the lowest basement floor, or where there is no basement. below Ihe surface of the ground: pilings, piers, pipes, flues and drains which are underground: pilings which are below Ihe low water mark. D. Lawns: outdoor trees, shrubs and plants except as provided in the Extensions of Coverage. E. Property which is more specifically covered in whole or in part by this or any other contract ol insurance, except lor Ihe amount ol loss which is in excess ol the amount due from such more specific insurance. III. EXTENSIONS OF COVERAGE Except with respect to Extension D. Replacement Cost: (A) Each of the limits of liability specified for the following Exlen...>...., ol Coverage applies as an addition)! amount of insurance. (B) The Coinsurance Clause shall not apply to loss under the Extensions ol Coverage. The total amount recoverable under the Extensions of Coverage in this form and Extensions of Coverage in any other form made a part of this policy are not cumulative and shall not exceed Ihe largest amount recoverable under any single form made a part of this policy. When, in accordance with the Other Insurance condition, there is Contributing Insurance. Ihe Company shall not be liable lor more than its pro rata share ol Ihe limits set forth in the following Extensions of Coverage. A. Newly Acquired Property: The insured may apply up to 25% ol Ihe ' limit of liability specified for Building(s). but not exceeding $100.000. to cover direct loss in any one occurrence by a peril insured against to the following described property: C. Outdoor Trees. Shrubs and Plants: Ihe insured may apply up to {1.000 to cover outdoor trees, shrubs and plants at Ihe designated premises against direct loss in any one occurrence by the perils ol fire, lightning, explosion, not. civil commotion or aircraft, but only to the extent such perils are insured against herein. The Company shall not be liable lor more than $250 premises lor purposes ol cleaning, lepairing. reconstruction or restora lion. This Extension of Coverage shall not apply to property in transit nor to properly on any premises owned, leased, operated or controlled by the insuied. 1 New buildings and new structures being constructed on the described premises and intended lor similar occupancy, when not otherwise covered by insurance. This coverage shall cease 30 days from the date construction begins or on Ihe date the values of new constiuction are reported to the Company, or pn the expira- tion date of the policy, whichever occurs lirsl. 2 Buildings acquired by Ihe insured at any location, elsewhere than at the designated premises, within the territorial limits of this policy and used for similar occupancies or warehouse pur- poses This coverage shall cease 30 days Irom the date ol such acquisition or on the date values ol Ihe buildings are reporter! to the Company, or on the expiration date of Ihe policy, whichever occurs first. Additional premium shall be due and payable for values so reported Irom the dale construction begins or the property is acquired. B. Off-Premises: The insured may apply up to 2% ol the limits ol liability spccilied for Buildmg(s). but not exceeding $5,000. at a described loca- tion to cover direct loss in any one occurrence by a peril insured against to Ihe property covered under Buildmg(s) while removed Irom aesignaled on any one tree, shrub or plant, including expense incurred lor removing debris thereof. D. Replacement Cost: In the event of loss to a building structure covered under this policy, when the full cost of repair or replacement is less than $1.000, the coverage of this policy is extended lo cover Ihe full cost ol repair or replacement (without deduction for depreciation). Coverage shall be applicable only to a building structure covered hereunder, but excluding outdoor furniture, outdoor equipment, floor coverings, awn- ings, and appliances lor refrigerating, ventilating, cooking, dishwashing and laundering, all whether permanently attached to the building struc- ture or not. The Company shall not be liable under this Extension ol Coverage unless the whole amount of insurance applicable lo Ihe building structure lor which claim is made is equal to or in excess ol the amount produced by multiplying Ihe co insuiance percentage applicable (specified in the Due laralions) by the actual cash value ol such properly at the lime ol the loss IV. PERILS INSURED AGAINST This policy insures against all direct loss to the property covered under this form caused by: A. FIRE. B. LIGHTNING. C. WINDSTORM OR HAIL, excluding loss caused direclly or indirectly by liosl or cold weather, or ice (other than hail), snow or sleel. whether driven by wind or not. 1 fhis Company sh.ill not bi! li.ible loi luss lu the interior ol the buildmg(s) or the property covered therein caused: MP 00 10 (Ed. 07 77) (a) by rain. snow, sand or dust, whether driven by wind or not. unless Ihe buildmg(s) covered or containing the prop erty covered shall first sustain an actual damage to rool or wjlls by Ihe direct action ol wind or hail and then shall be liable for loss lo the interior of Ihe buildmg(s) or Ihe prop crty covered therein as may be caused by ram. snow, sand or dust entering the buildmg(s) through openings in the rool or walls made by direct action of wind or hail: or (b) by water from sprinkler equipment or Irom other piping, unless such equipment or piping be damaged as a duect result of wind or li.nl Pate 1 of 2 2. The Company s.MI not be liable lor Wi :m or Hail damage !o (he following properly: (j) Windmills, wind pumps or then lowers: ib) Crop silos; -— (cj'Melal smokestacks: or (d) When outside ol buildings. (1) Trees, shrubs or plants: (2) Awnings ol fabric or slal construction, canopies of fabric or slat construction, including Ilicir sup- ports: (3) Radio or television antennas, including their lead in wiring, masts or lowers. . EXPLOSION, including direct loss resulting from the explosion ol ac- jmulaled gases or unconsumed fuel within the firebox (or combustion hamber) ol any lired vessel or within the flues or passages which conduct le gases ol combustion therefrom. 1. This Company shall not be liable lor loss by explosion ol steam boilers, steam pipes, steam turbines or steam engines, if owned by. leased by or operated under the control ol the insured. 2. The following are not explosions within the intent or meaning of these provisions: (a) Shock waves caused by aircraft, generally known as "sonic boom". (b) Electric arcing, (c) Rupture or bursting ol rotating or moving parts ol machinery caused by centnlugal lorce or mechanical breakdown. (d) Waler hammer. (e) Rupture or bursting of water pipes. (I) Rupture or bursting due to expansion or swelling of the contents ol any building or structure, caused by or resulting from water. ^- (g) Rupture, bursting or operation ol pressure relief de- vices E. SMOKE, meaning sudden and accidental damage Irom smoke, other than smoke from agricultural smudging or industrial operations. F. AIRCRAFT OR VEHICLES, meaning only direct loss resulting Irom actual physical contact ol an aircraft or a vehicle with the property covered or with the buildmg(s) contain^ properly covered, except that loss by aircraft includes direct loss by Ou,..Js falling therelrom. This Company shall not be liable lor loss: 1. by any vehicle owned or operated by an insured or by any tenant ol the designated premises: 2. by any vehicle lo fences, driveways, walks, or when outside ol buildings, lo trees, shrubs or plants: 3 lo any aircrall or vehicle including its contents other than slocks ol aircraft or vehicles in process ol manufacture or for sale. The word "vehicles" means vehicles running on land or tracks but nol aircraft. The word "aircraft" shall include sell-propelled missiles and spacecraft G. RIOT. RIOT ATTENDING A STRIKE OR CIVIL COMMOTION, including direct loss by acts of striking employees ol the owner or lenant(s) ol the buildmg(s) while occupied by said striking employees and shall also include direct loss from pillage and looting occurring during and at the immediate place of a not. riot attending a strike or civil commotion The Company shall not be liable lor loss resulting Irom damage to or de- struction ol the property due to change in temperature or humidity or interruption of operations whether or not such loss is covered by this policy as to other perils. H. VANDALISM OR MALICIOUS MISCHIEF, meaning only (he willful and malicious damage to or destruction ol the property covered. This Company shall not be liable lor loss: 1. lo glass (other than glass building blocks) constituting part ol a building, structure or an outside sign: 2. by pilferage. Ihelt. burglary or larceny, except that this Com pany shall be liable for willlul damage to the building(s) covered caused by burglars in gaining entrance to or exit Irom such build- ing(s) or any part of the building(s). 3. by explosion ol steam boilers, steam pipes, sleam turbines or steam engines, if owned by, leased by. or operated under the con- trol of the named insured: or by rupture or bursting ol rotating or moving parts of machinery caused by centrifugal lorce or me- chanical breakdown: 4 from depreciation or deterioration: nor. unless specifically endorsed, lor any loss resulting from change in temperature or humidity: 5. if the buildmg(s) had been vacant or unoccupied beyond a pe nod of 30 consecutive days immediately preceding the loss, whelh er or nol such period commenced prior to (he inception dale ol this policy. V. EXCLUSIONS This policy does not insure under this form against: A. Loss occasioned directly or indirectly by enforcement of any ordinance or law regulating the use. construction, repair, or demolition ol buildings or structures including debris removal expense. B. Loss occasioned directly or indirectly by any electrical injury or dis turbance lo electrical appliances, devices, lutures or wiring caused by electrical currents artificially generated unless lire as insured against ensues, and then this Company shall be liable lor only loss caused by the ensuing fire C. Loss caused directly or indirectly by the interruption ol power or other utility service furnished to the designated premises il the interrup- tion takes place away Irom the designated premises II d peril insured against ensues on the designated premises. Ihis Company will pay only lor loss caused by the ensuing peril. D. Loss caused by. resulting Irom. contributed lo or aggravated by any ol the following: I earth movement, inciuuing but no) limited lo earthquake, land slide, mudllow. earth sinking, earth rising or shilling: 2. Mood, surface water, waves, tidal water or tidal wave, overflow of streams or other bodies ol water, or spray from any ol Ihe lore- going, all whether driven by wind or not: 3 water which backs up through sewers or drains: or 4. water below the surface ol the ground including that which exerts pressure on or Hows, seeps or leaks through sidewalks, driveways, foundations, walls, basement or other floors, or through doors, windows or any other openings in such sidewalks, drive ways, foundations, walls or floors: unless fire or explosion as insured against ensues, and then this Compnny shall be liable lor only loss caused by Ihe ensuing fire or explosion VI. VALUATION The followint bases are established for valuation of property: properly at actual cash value at the time ol loss, but nol exceeding Ihe junl which it would cosl lo repair or replace the property wilh material ol like kind and quality within a reasonable lime alter such loss, nor in any event lor more than Ihe interest of Ihe named msuied MP 00 10 (Ed. 07 77) Pate 2 of 2 COINSUHA'rNCC CONTRACT flff'e SPECIAL MULTI-PERIL POLId SECTION I—GENERAL PERSONAL PROPERTY FORM I. PROPERTY COVERED MPOO 12 (Ed. 05 81) PERSONAL PROPERTY OF THE INSURED: Business personal properly owned by the insured and usual lo the occupancy of Ihe insured, including the insured'; interest in personal property owned by others lo Ihe extent of the value of labor, materials and charges furnished, performed or incurred by the insured: all while (I) in or on the building(s) or (2) in Ihe open (including within vehicles) on or within 100 feel ol the designated premises. This coverage shall also include Tenant's Improvements and Betterments. meaning the msured's use interest in lixlures, alterations, installations or additions comprising a part ol the building(s) occupied but nol owned by the insured and made or acquired at Ihe eipense of Ihe insured exclu- sive ol rent paid by the insured, but which are not legally subject lo re- moval by the insured. PERSONAL PROPERTY OF OTHERS: This insurance shall cover for Ihe account of the owner(s) (other than the named insured) personal prop- erly belonging lo others in Ihe care, custody or control of Ihe insured, while (1) in or on the building(s). or (2) in Ihe open (including within vehi- cles) on or within 100 feet ol the designated premises Loss shall be adjusted with Ihe named insured for Ihe account of the owners of Ihe property, except that Ihe right lo ad|iist any loss with the owners is reserved lo Ihe Company and the receipts of Ihe owners in satisfaction thereof be in full satisfaction ol any claim by Ihe named insured for which payments have been made. II. PROPERTY NOT COVERED This polic, does not cover: A. Animals and pets, aircraft: watercralt. including motors, equipment and accessories (except rowboats and canoes, while out of water and on Ihe designated premises): and automobiles, trailers, semi-trailers or any sell-propelled vehicles or machines, except such properly nol licensed lor use on public thoroughfares and operated principally on the premises of Ihe insured. This provision does not apply to Ihe following types ol property when held for sale or sold but nol delivered: 1. Animals and pets: 2. Motorcycles, motorscoolers and snowmobiles: 3. Trailers designed lor use with private passenger vehicles for general utility purposes or carrying boats: or 4 Watercraft. including motors, equipment and accessories, while not afloat. This provision does not apply lo Ihe following types of property when manufactured, processed or warehoused by Ihe insured: 1. Aircraft: motors, equipment and accessories. 2. Watercraft. including while not afloat: or 3. Automobiles, trailers, semi trailers or any sell propelled vehi- cles or machines B. Personal properly while waterborne. C. Outdoor trees, shrubs and plants, except when held for sate or said but not delivered, or as provided in the Exlensions ol Coverage. 0. Household and personal elfecls contained in living quarters occupied by Ihe insured, any officer, director, stockholder or partner of Ihe insured or relatives of any of the foregoing, except as provided in Ihe Extensions of Coverage. E. Accounts, bills, currency, deeds, evidences of debt, money and securi ties. F. Outdoor signs.whether or not attached to a building or structure G. Growing crops and lawns. H. Properly which is more specifically covered in whole or in part by this or any other contract ol insurance, except for Ihe amount of loss which is in excess of Ihe amount due from such more specific insurance. EXTENSIONS OF COVERAGE Each of Ihe limits of liability specified for Ihe following Extensions of Coverage applies as an additional amount ol insurance. The Coinsurance Clause shall not apply lo loss under Ihe Eilensions of Coverage. Th 'otil amount recoverable under Ihe f (tensions of Coverage in this form and Extensions ol Coverage in any other lorm made a part of this policy are not cumulative and shall not exceed the largest amount recoverable under any single form made a part of this policy. When, in accordance with Ihe Other Insurance condition, there is Contributing Insurance, Ihe Company shall not be liable (or more than its pro rata share of the limits set-forth in the following Extensions of Coverage. A. Properly at Newly Acquired Locations: The insured may apply up lo 10% of the limit of liability specified lor Personal Properly of the Insured. but not exceeding $10.000. lo cover direct loss in any one occurrence by a peril insured against to such property at any location (except fairs and exhibitions) acquired by Ihe insured for similar occupancies or ware- housing purposes, elsewhere than at Ihe designated premises within the territorial limits ol this policy. This coverage shall cease 30 days from the date of such acquisition or on Ihe dale values at such locations are re- ported lo the Company, or on Ihe expiration date of the policy, whichever occurs fust. Additional premium shall be due and payable lor values so reported from the date Ihe property is acquired. B. Off-Premises: The named insured may apply up to 2% of the limit ol liability specified for Personal Property of the Insured, but not exceed- ing {5,000, nor less than $1,000, at a described location lo cover direct loss in any one occurrence by a peril insured against lo Ihe property ccmuoil iiinlcr Piirsonnl I'rnpurly ul the liisuiod (nlhur linn niiiicliamllso or slock) wlillo iniiiuvttil from ilmnmiluil |>imiiliiu. Ihlj I xlwnlon ul Cuvuriigu shall nul apply lo properly in transit, nor lo properly on any premises owned, leased, operated or controlled by the insured. C. Personal Effects: The insured may apply up to {500 lo cover direct loss in any one occurrence by a peril insured against lo personal effects while located on the designated premises, belonging to the insured, offi- cers, partners or employees thereof, and limited lo 1100 on personal ef- fects owned by any one individual. This Extension ol Coverage does nol apply if Ihe loss is covered by any other insurance, whether collectible or not. or which would have been covered by such other insurance in the absence ol this policy. At Ihe option of Ihe Company, loss under this Ex- tension of Coverage may be adjusted with and payable lo the insured 0. Valuable Papers and Records: The insured may apply up lo $500 to cover direct loss in any one occurrence by a peril insured against lo valu- able papers and records consisting ol books ol account, manuscripts, abstracts, drawings, card index systems, film. tape. disc. drum, cell and other magnetic recording or storage media lor electronic data processing, and other records, all Ihe properly of Ihe insured at designated premises This Extension ol Covnragi! r.nvcis only Ihr rrr,l nf ir'.raidi ,im| nllu-i m |ii;ir.ii IKK iv,'.,inly mi nun! hy the nr.iiml In irpinilnii'. n<|i|.iu> m n1 •.linn Miill v.ilil.lhln |>.i|n:r. .mil in mil', Ilir lnl.il .iiiiiiinil p.ly.ililr in .my IHII' in i iiiii'in n niiiliM Ihr. I ilriiMim nl IJiviMiitfr '.lull mil rurnl |hc limit '.petilicil .ihuvt!. n:g<iidlcu ul Hit number ol (iiumiMi', dcvgnjled in Ihe Declarations. MP 00 12 (Ed. 05 81) Outdoor T.i*es, Shrubs and Plants: The insure 'y apply up to $1.000 cover outdoor trees.'shrubs and plants, exci. .hen held tor sale or ild but not delivered, at the designated premises against direct loss m any le occurrence by the perils ol fire, lightning, explosion, not. civil com- r ir aircraft, but only to the eitent such perils are insured against 5 he Company shall not be liable lor more than J250 on any one efr-jrtrub or plant, including expense incurred lor removing debris icreol. . Eitri Expense: The insured may apply up to {1.000 to cover the ecessary extra expense incurred by the insured in order to continue as early as practicable the normal operations ol the msured's business mmediately following damage by a peril insured against under this lorm o the buildings or personal property situated at the designated premises. 'Extra expense" means the excess of the total cost incurred during the >enod ol restoration chargeable to the operations ol the msured's bust- less over and above the total cost that would normally have been incurred o conduct the business during the same period had no loss occurred. \ny salvage value ol property obtained lor temporary use during the period jl restoration, which remains alter the resumption ol normal operations, shall be taken into consideration in the adjustment ol any loss hereunder. "Period of restoration" means that period ol lime, commencing with the date of damage and not limited by the date ol expiration of this policy, as would be required with the exercise ol due diligence and dispatch to re- pair, rebuild or replace such part of said buildings or personal properly as have been damaged The Company shall not be liable under this Extension ol Coverage lor. I. lossol income: 2. the cost ol repair' -'replacing any ol the described propeny, Of the cosl ol resear,. ,r other expense necessary to replace or restore books ol account, manuscripts, abstracts, drawings, card index systems, film. tape. disc. drum, cell and other magnetic recording or storage media for electronic data processing, and other records that have been damaged by a peril nol otherwise excluded, except cost in excess of the normal cosl ol such repair, replacement or restoration necessarily incurred for Ihe purpose of reducing the total amount of extra expense. In no event shall such excess exceed the amount by which Ihe total extra expense otherwise payable under this Extension ol Coverage is reduced: or 3. any other consequential or remote loss. G. Non-Owned Personal Property: The insured may apply at each loca- tion up 16 2% ol the limit of liability specified for Personal Properly ol Ihe Insured at such location, but not exceeding $2,000. as an additional amount ol insurance, to cover lor the account of the owners thereof (other than the named insured) direct loss by a peril insured against to personal property, similar to that covered by this policy, belonging to olhers while in the care, custody or control ol the named insured and ill while (1) in or on the buildmg(s). or (2) in the open (including within vehicles) on or with- in 100 leel of the designated premises. Loss shall be adjusted with Ihe named insured for the account ol Ihe owners ol the property, except that the right to adjust any loss with the owners is reserved to Ihe Company and Ihe receipts of Ihe owners in satisfaction thereof shall be in lull satisfaction of any claim by the named insured for which payments have been made. As respects personal prop- erty belonging to others, this provision shall replace any loss payable provision ol this policy. IV. PERILS INSURED AGAINST This policy insures Jtainst all direct loss to the property covered under this form caused by: A. FIRE. B. LIGHTNING. C WINDSTORM OR HAIL, excluding loss caused directly or indirectly by or cold weather, or ice (other than hail), snow or sleet, whether . by wind or not. 1. This Company shall 'not be liable lor loss to Ihe interior of Ihe buil Jmg(s) or the property covered therein caused: (a) by rain, snow, sand or dust, whether driven by wind or nol. unless the building(s) covered or containing the prop- erty covered shall first sustain an actual damage to roof or walls by the direct action of wind or hail and then shall be liable lor loss to Ihe interior ol Ihe buildmg(s) or Ihe prop- erly covered therein as may be caused by ram. snow, sand or dust entering the building(s) through openings in the rool or walls made by direct action ol wind or hail; or (b) by water from sprinkler equipment or Irom other piping, unless such equipment or piping be damaged as a direct result of wind or hail. 2. The Company shall not be liable for Windstorm or Hail damage to the following property: (a) Windmills, wind pumps or their lowers: (b) Crop silos or their contents; (c) Metal smokestacks; or (d) When outside ol buildings. (1) Gram, hay, straw or other crops; (2) Trees, shrubs or plants: (3) Awnings of fabric or slat construction, canopies ol labric or slat construction, including their sup- poits; (4) Radio or television antennas, including their lead-in wiring, masls or towers. D. EXPLOSION, including direct loss resulting Irom the explosion ol ac- mulated gases or unconsumed fuel within the firebox (or combustion iamber) of any fired vessel or within the Hues or passages which con- duct the gases of combustion Iherelrom. 1. This Company shall not be liable lor loss by explosion of steam boilers, steam pipes, steam turbines or steam engines, il owned by. leased by or operated under the control ol the insured. 2. The following are nol explosions wtlhm the intent or meaning ol these provisions: (a) Shock waves caused by aircralt. generally known as "sonic boom". (b) Electric arcing. (c) Ruplure or bursting of rotating or moving parts of machinery caused by centrifugal force or mechanical breakdown. (d) Water hammer. (e) Rupture or bursting ol water pipes. (I) Ruplure or bursting due to expansion or swelling of the contents ol any building or structure, caused by or resulting from water. (g) Ruplure, bursting or operation ol pressure relief de- vices. E. SMOKE, meaning sudden and accidental damage Irom smoke, other than smoke Irom agricultural smudging or industrial operations. F. AIRCRAFT OR VEHICLES, meaning only direct loss resulting from ac tual physical contact of an aircralt or a vehicle wilh Ihe properly covered or with the buildmg(s) containing the properly covered, except that loss by aircralt includes direct loss by objects (ailing Iherelrom. This Company shall nol be liable for loss: 1. by any vehicle owned or operated by an insured or by any tenant ol Ihe designated premises; 2. by any vehicle to fences, driveways, walks, or when outside ol buildings, to trees, shrubs or plants: 3. to any aircraft or vehicle including its contents other than stocks of aircraft or vehicles in process ol manufacture or lor sale. The word "vehicles" means vehicles running on land or tracks but not aircraft. The word "aircraft" shall include sell propelled missiles and spacecraft G. RIOT. RIOT ATTENDING A STRIKE OR CIVIL COMMOTION, including direct loss by acts of striking employees ol Ihe owner or lenanl(s) ol Ihe building(s) while occupied by said striking employees and shall also in- MP 00 12 (Ed. 0581) Pate 2 of 3 elude direct loss Irom pillage a, jotmg occurring during and at the immediate place of a not. not attending a strike or civil commotion. The Company shall not be liable lor loss resulting Irom damage to nr destruc- tion ol the property due to change in temperature or humidity or interrup- tion of operations whether or not such loss is covered by this policy as to other perils. H. VANDALISM OR MALICIOUS MISCHIEF, meaning only the willful and malicious damage to or destruction ol the properly covered. This Company shall not be liable lor loss: 1. lo glass (other than glass building blocks) constituting part ol a building, structure or an outside sign: 2. by pillerage. theft, burglary or larceny, encepl that this Com- pany shall be liable for willful damage lo the building (s) covered <-;useo ;•;.••-'•>": m gaining entrance lo or exit Irom such build- ing(s) or any part ol the buildmg(s). 3. b/ eiplosion ol steam boilers, steam pipes, sleam turbines or sleam engines, if owned by, leased by. or operated under the con- trol of the named insured: or by rupture or bursting ol rotating or moving parts ol machinery caused by centrifugal force or me- chanical breakdown: 4 from depreciation or deterioration: nor. unless specifically endorsed, lor any loss resulting Irom change in lempeialure or humidity; 5 il the buildmg(s) had been vacant or unoccupied beyond a period of 30 consecutive days immediately preceding (he loss, whether or not such period commenced prior to the inception date of (his policy V. EXCLUSIONS This policy does not insure under this form ijimsl: A. Loss occasioned directly or indirectly by enlorcement ol any ordi- nance or law regulating the use. construction, repair, or demolition of property including debris removal expense. B. Loss occasioned directly or indirectly by any electrical injury or dis- turbance to electrical appliances, devices, fixtures or wiring caused by electrical currents artificially generated unless fire as insured against ensues, and then this Company shall be liable lor only loss caused by the ensuing lire. C. Loss caused directly or indirectly by the interruption ol power or other utility service furnished lo the designated premises il the interruption lakes place away from the designated premises. If a peril insured against ensues on the designated premises, this Company will pay only lor loss caused by the ensuing peril. D. Loss caused by. resulting from, contributed lo or aggravated by any ol the following: 1. earth movement, including but not limited lo earthquake, land- slide, mudllow. earth sinking, earth rising or shilling; 2. flood, surface water, waves, tidal water or tidal wave, overflow ol streams or other bodies ol water, or spray from any ol (he lore- going, all whether driven by wind or not: 3. water which backs up through sewers or drains: or 4. water below the surlace of the ground including that which eierls pressure on or flows, seeps or leaks through sidewalks, driveways, foundations, walls, basement or other floors, or through doors, windows or any other openings in such sidewalks, drive- ways, loundations. walls or Moors: unless lire or explosion as insured against ensues, and then this Company shall be liable lor only loss caused by the ensuing fire or explosion VI. VALUATION The followini bases are established for valuation of property: A. The value ol all slock actually sold but not delivered shall be the price at which it was sold, less all discounts and umncurred expenses. B. Tenant's Improvements and Betterments: 1. If repaired or replaced at the expense ol the named insured within a reasonable time after loss, the actual cash value ol the damaged or destroyed improvements and betterments. 2. II not repaired or replaced within a reasonable time alter loss, that proportion of the original cost at time of installation ol the damaged or destroyed properly which the unexpired term ol the lease or rental agreement, whether written or oral, in effect at the time ol loss bears to the periods from the dales such improve- ments or betterments were made to the expiration dale of the lease. 3. If repaired or replaced at the expense ol others lor the use of the named insured, there shall be no liability hereunder. C. Valuable Papers and Records: 1. Books of account, manuscripts, abstracts, drawings, card index systems and other records (eicepl film, tape, disc, drum, cell and other magnetic recording or storage media lor electronic dala processing) lor not exceeding the cost of blank books, cards or other blank material plus the cost of labor incurred by the named insured for transcribing or copying such records. 2. Film, tape. disc, drum, cell arid other magnetic recording or storage media lor electronic data processing for not exceeding the cost ol such media in unexposed or blank lorm. 0. All other property al actual cash value at the lime ol loss, but not exceeding the amount which it would cost to repair or replace the prop- erty with material ol like kind and quality within a reasonable time alter such loss, nor in any event for more than the interest of the named insured. MP 00 12 (Ed. 05 81) 4* Pate 3 of 3 TO^*» ,UPPLEMENTAL DECLARATIONS END iEMENT MP 11 (Ed. Designation of premises, as stated in the Declarations, is extended to include the following and insurance is provided willi rcsprrl In llmsn |>i described below and with respect to those coverages and kinds ol property lor which a specific limit of liability is shown, sulijccl lo .ill (lu of this policy including forms and endorsements made a part hcrenl: loc. No. 1 1 1 Bld(. No. 1 1 3 DESIGNATED PREMISES (Address. City, Stale) ONE STORY BLDG OF STEEL, FRAMI & STEEL ROOF LOCATED AT #405 ANNA'S RETREAT, ST THOMAS, USVI SAME AS ABOVE ONE STORY BLDG OF CONCRETE WITH GALVANIZE ROOF AT #405 ANNA'S RETREAT, ST THOMAS, USVI l OCCUPANCY AUTO PARTS STORAC & REPAII BAYS SECTION 1 COVERAGE BLDG E & DWELL I SAME OFFICE NG CONTENTS BLDG Forms and Endorsements Applicable MP 0010 MP 1041 MP 0331 MP 0012 MP 1041 MP 0331 HP 0010 MP 1041 MP 0331 Coinsurance Percental* Applicable 80% 00% 80% limits o liability (J) 60,000 100,000 20,000 MP 12 05 (Ed. 07 77) SMP EARTHQUAKE EXTENSION ENDORSEMENT MP 10 4] (Ell 12 79 Subject to all the provisions applicable to Section I ol this policy ol which this endorsement is made a part, except as otherwise provided, this policy is extended to insure against direct loss by Earthquake only at those designated premises am1 limit ol liability shown in the Policy Declarations, but this extension applies only to those designated prem- ises and property shown in the Schedule below and indicated by an "X" in the boxi.es) (IJT]) in the Schedule. II more than one Earthquake shock shall occur within any period ol seventy-two hours during the term ol this endorsement, such Earthquake shocks shall be deemed to be a single Earthquake. Tins Company sli.ill not be liable lor any loss caused by any Earthquake shock occurring before the effective dale and lime of this endorsement, nor occurring alter the expiration date and time ol this policy. SCHEDULE Deti(niled Premises (Sliecl Address. City & Slate) Detitnited Properly Deductible Percenlite Premium #405 ANNA'S RETREAT, ST THOMAS, USVI [ft Building(s)01 & 3 gj Personal Property ol the Insured Q PetsoWTtoperly ol Others Q Building(s) Q Personal Property ol the Insured Q Personal Properly of Others Q Building(s) [~1 Personal Property ol the Insured Q Personal Property of Others 250 i deluded Indicate by "X" in box il Masonry Veneer Clause is VOID. DEDUCTIBLE CLAUSE Ihis Company shall no) be liable for loss unless such loss eiceeds the Deductible percentage (specified in the Schedule of this endorsement) ol the actual cash value of such premises at the time when such loss shall happen, and then only lor its proportion ol such eicess. Ihis deductible shall apply to: (a) each separate building or structure, (b) the contents of each separate building or structure, and (c) properly in the open at each premises. This Deductible shall supersede any other Deductible in this policy as respects the peril ol Earthquake. Ihis Deductible shall not apply to insurance covering Business Inlemip lion, luilion Fees, Eitra Expense, Additional living Expense. Rent or Rviilal Value or Leasehold Interest. GENERAL EXCLUSIONS 1. OTHER INSURANCE CLAUSE: This Company shall not be liable loi loss by Earthquake lo properly which is more specifically covered,in whole or in part by this or any oilier contract ol insurance, except lor the amount of loss which is in eicess ol the amount due Irom such more specific insurance alter application ol the above Deductible Clause lo (he entire loss 2 MASONRY VENEER CLAUSE: Ihis Company shall not be liable lor any loss to eitenor masonry veneer (other than stucco) on wood Iraine walls and the value of such veneer shall not be considered in the de- termination ol the actual cash value when applying the Deductible and Coinsurance Clauses. This Clause is not applicable (a) where less than 10% ol the total exterior wall area is laced with masonry veneer, nor (b) when voided in the Schedule above or by endorsement. 3. PERILS NOT INSURED AGAINST: i. This Company shall not be liable by this Earthquake Extension En dorsemenl lor loss caused by, resulting from, contributed lo or ag gravaltd by lire, explosion, flood, surface water, mudslide, mudllow waves, tidal water or lidal wave, overflow ol slre.ims 01 other bodies ol water, or spray Irom my of the foregoing, whether or not alliihul able to Earthquake. b. Nuclear Exclusion—(Not applicable in New York) loss by nuclear reaction or nuclear radiation or radioaclive contamination, all whether controlled or uncontrolled, or due lo any act or condition incident lo any ol the loregoing, is not insured against by Ihis endorsement, whether such loss be direct or indirect, pionmate or remote, or be in whole or in part caused by, contributed lo. or aggiavaled by Eailhquake OTHER PROVISIONS I. APPORTIONMENT OF LOSS CLAUSE: In the event of loss lo any unit ol insurance in eicess ol the Deductible amount, this Company shall be liable lor no greater proportion ol such eicess than (a) the proportion of liability ol this Company lor loss under Ihis Earthquake Extension Endorse- ment as determined by the Co-insurance Clause attached lo this policy, or (b) lor 9 greater proportion of such eicess lhan the amount provided by this Earthquake Eitension Endorsement shall bear lo all Earthquake insurance, whether collectible or not. 2. This Earthquake Extension Endorsement does not increase the amounl(s) ol insurance provided in this policy. 3 PROVISIONS APPLICABLE ONLY WHEN THIS POLICY COVERS BUSI- NfSS INIERRUPIION TUITION FEES. EXIRA EXPtNSE. ADDMIONAL IIVING EXPtNSE. RENI OR RENTAL VALUE, LEASEHOLD INILRES1 OR OIIIER CONSEQUENIIAL LOSS: (a) The term '•direct", as applied lo loss, means loss, as limited and conditioned in Ihis policy, resulting Irom direct loss to described properly by Earthquake. II the business of the owner or leninl(s) ol the described buildtng(s) is interrupted by a slnke at the described location, this Company shall not be liable lor any loss due lo interference by any person(s) with rebuilding, repairing or replac- ing the property damaged or destroyed or with the resumption or con tinuation ol business. (b) Wailing Period Deductible: The following Deductible Clause applies to building(s) over lour (4) stories in height. No liability shall eiist lor any loss from interruption ol business, or un lenanlabihly ol the premises unless the determined period ol interruption or untenantability exceeds IG8 hours, and then liability shall eiist only lor such par! ol the loss that is incurred lor the deleiimned period in ei cess of such 168 hours. rf This Endorsement musl be attached to Change Endorsement when issued alter the Policy is written. MP 1 0 4 1 (Ed. 12 79) SMP DEDUCTIBLE ENDORSEMENT M P 0 3 3 1 Oil I? ?')i In consideralion ol the premium. Ihe provisions ol this deduclible endnrsrniuil apply at the location number and builrtmf! niimhri In IMMII.IIHT .illoidc"! under Building(s) and Personal Properly ol the Insured ol Section I ol this Policy only when designated by an "X" in the boi(e:l (I.X'J) in Iho Scltnlnlr ol this endorsemenl. SCHEDULE Hem Desi[nited Properly loc. No. Bldj. No. Deductible Ainiiuiii GO Buiiding(s) n & 3 #104 ANNA'S RETREAT 250 _______ [X] Peisonal Properly ol Ihe Insured #1 ———5^_jflr(QM^5__y5y^——————————————— J ____________ 2 D Building(s) ______ Q Personal Properly ol Ihe Insured _—.—.—————————————————————————— J——.——— ——.— 3 D Buildmg(s) ______ Q Personal Properly ol Ihe Injured ——————————————————————————————— J _______________ 4 O Building(s) ______ Q Personal Properly ol Ihe Insured ——————————————————————————————— i ___________ 5 n Buildmg(s) ______ Q Personal Property ol the Insured ——————————————————————————————— J—————— —— — 6 Q Building(s) _______ [~] Personal Property of Ihe Insured ———————————————————————————————— $—————_____ 1. Ihe Company shall be liable lor loss to property designated in any item ol Ihe Schedule ol this endorsement at the location shown lor sncli pmprily only when Ihe whole loss lo such properly exceeds Ihe "Deductible Amount" specified in said Schedule and then only lor Ihe amount of MKh rur<;<; In Ihe even! there is other insurance (whether collectible or not) covering the property (or which would have covered Ihe properly except for Ilir (•listener ol this insurance) against the peril(s) which caused the loss, Ihe conditions applicable to Contributing Insurance and Specific Insurance undfi Cundi lion 8. Other Insurance ol Ihe provisions applicable lo Section I ol this policy shall apply. 2. Hie "whole loss" as used herein is defined as the amount which would be recoverable under this policy and any other contiilmlinp, insiiiaiirc (whether collectible or not) covering Ihe properly (or which would have covered the properly except lor the existence ol this insmnncn) ag.imsl the peril(s) which caused Hie loss in any one occurrence, disregarding this deduclible endorsemenl and any other deductible provisions in this policy or in such other insurance policies. 3. Ihe provisions ol this deduclible endorsemenl shall apply separately to each ilcm ol the Schedule ol this endorsement. 4. Ihe provisions of this deduclible endorsemenl shall nol apply lo any loss by eailhquake or volcanic eruption, il such perils are insuied against by this policy. _• This Endorsemenl must be attached to Change Endorsement when issued alter the Policy is wrillen. en ««?nm ifih:ll! :^13i'H i«;|;«ji, M|:«l!«i * il-Sj.sit HE!?: • 1 *_ i 111 Mi "1m •i* «il i!H«!! i *{ iiSi!rril | j«j. i|{] Unpin ? !!?« l?l.!i 'N rOoo D I- SSIi ODD £|il " f f r i i ' l £|l! !|I||!!|S -i|l- al!'«i!«S*S siiff f i»s«"i! IT K —fP'pilH^B1' iiil « IJi! r t:.. risfiH iliisffi rsis fiii 1^ l!M ITT: l i l U i l i J }U jju^in?» i-itc i!r si III riiji Ilil! ' i » i f ; 1 \ I I * =1 I = *'•* I- n-UHl SB • S'S; IS! i I jiz • i-lh! "'«"S » C. » »i-» - **« g I! P ;n HI I 1S.J J iii S fln Ii SOB S J t ; ' ENDORSEMENT , endorsement effective 1-1-86 • formn a Part of Policy No. SMP 5/100 (12:01 A.M., Standard Time) v _ .sued to: RAMI.SY MOTROS INC, HOLIDAY RENT A CAR & R&R PROPERTIES INC I •: GUARDIAN INSURANCE COMPANY,INC COMBINED SINGLE LIMIT ENDORSEMENT i consideration of the premium charged, it is agreed that the total liability of the mpany for all damages, including damages for care and loss of services sustained by ie or more persons or organizations as the result of any one occurrence shall not cx- ;eil the limit of liability for bodily injury and property damage stated in the schedule ; applicable to each occurrence. .ibject to the above provision respecting "each occurrence", the total liability of lie company for all damages because of 1) all bodily injury included within the completed operations hazards, and 2) all bodily injury included within the products hazard, an 3) all property damage arising out of premises or operations rated on a renumeration basis or contractor's equipment rated on a receipts basis, including property damage for which liability is assumed under any in- cidental contract relating to such premises or operations, but excluding property damage included in subparagraph (A) below, and A) all property damage arising out of and occurring in the course of operations performed for the named insured by independent contractors and general supervision thereof by the named insured. Including any such property damage for which liability In assumed iitulur ;iny Incidental contract re- • Inting to such operations, but this subp.-iraf.raph docs not include property damage arising out of maintenance or repairs at premises owned by or rented to the named insured or structural alterations at such premises which do not involve changing the size of or moving buildings or structures, and 5) all property damage included within the products hazard and all property damage included within the completed operations hazard. Shall not exceed the limit of liability stated in the schedule as "aggregate". SCHEDULE COVERAGES LIMITS OF LIABILITY BODILY INJURY LIABILITY AND $ 100 ,000 each occurrence PROPERTY DAMAGE LIABILITY $ 100 ,000 aggregate ___________________________________ Y2 ________ All other terms and conditions of this policy remain unchangetl/ AUTHORISED REPRESENTATIVE BE 24 ENDORSEMENT ^ This endorsement, effective policy No. SMP 5408 by EMPLOYER'S LIABILITY STOP-GAP COVERAGE ENDORSEMENT forms a part of 1-1-86 10 RAMSEY MOTORS INC, HOLIDAY RENT A CAR & R&R PROPERTIES INC II is agreed that such insurance as is afforded by the policy with respect to Dodily Injury Liability applies also to the liability of the insured for damages because of bodily injury by accident or disease, including death at any time resulting therefrom, sustained by any employee of (lie insured arising out of and in the course of his employment by the insured in a state named below, or in operations necessary or incidental thereto, subject to the following provisions: 1. A. The insurance applies only provided the insured (1) has, where required, filed acceptance of the Workman's Compensation Laws of ST THOMAS. USVI______________________ and will not file notice of rejection of the provisions of such laws during the policy period, (2) has insured all employees required to be insured under said laws(s), and (3) duly reports all payrolls and pays all premiums due thereunder. B. The insurance docs not apply to bodily injury, including death at any time resulting therefrom, sustained by a master or member of the crew of any vessel or by any employee of the insured in the course of an employment subject to the United Slates Longshoremen's and Harbor Workers' • - Compensation Act, U.S. Code (1946) Title 33, Sections 901-49, or the Federal Employers' Liability Act, U.S. Code (1946) Title 45, Sections 51-60, or sustained by any member of the flying crew of any aircraft. C. The insurance does not apply to bodily injury by accident or disease, including death at any time resulting therefrom, sustained by any employee with respect to whom the insured is not required to contribute to an Insurance Fund. 2. Solely with respect to the insurance afforded by this endorsement, the limit of the company's liability shall be as stated herein and not as stated elsewhere in the policy: LIMITS OF LIABILITY - The words 'damages because of bodily injury by accident or disease, including death at any time resulting therefrom,' include damages for care and loss of services and damages for which the insured is liable by reason of .suits or claims brought against the insured by others to recover the damages obtained from such others because of such bodily injury sustained by employees of the insured arising out of and in the course of their employment. The limit of the company's liability under this endorsement is $ 100,000_________ for all damages because of bodily injury by accident, including death at any time-resulting therefrom, sustained by any one employee in any one accident; and, subject to the foregoing provision respecting each employee, the total limit of the company's liability is J 100.000____ for all damages because of bodily injury by accident, including death at any time resulting therefrom, sustained by two or more employees in any one accident. The limit of the company's liability under this endorsement is $ 100,000 for all damages because of bodily injury by disease, including death at any time resulting therefrom, sustained by one employee, and subject 'to the foregoing provision respecting each employee, the total limit of the company's liability for all damages because of bodily injury by disease, including death at any time resulting there- from, sustained by employees in operations in a state named below or in operations necessary or in- cidental thereto is $ 100,000____ . The limits of liability herein stated shall not be cumulative with any limit of liability stated elsewhere in the policy. The inclusion herein of more than one insured shall not operate to increase the limits of the company's liability. 3. The provision of the policy as respects premiums applies separately and in the same manner to the premiums for this endorsement. S C H E D U L E Slate ST THOMAS, USVI Estimated Total Annual Remuneration ON FILE Rate per $100.00 of Remuneration ON PICE" 1 Estimated Premium 2254 COVERAGE PART PREMISES MEDICAL PAYMENTS INSURANCE L 6421 UJ I Mi attachment to Policy No.....SMP 5408 — -_——......_... ._, lo complete said policy. SCHEDULE The insurance afforded is only with respect lo the following Coverage indicated by specific premium charge or charges. The limit ol Ihe company's liability agjinst such Coverage shall be as stated herein, subject to all the terms of Ihis policy having reference (hereto. Advance Premiums X X X * Included j J Limits of Liability 1.000 dollars each person $ Included S Total Advance Premium! 25.000 dollars each accident Coverage E— Premises Medical Payments la) Premises and operations Ib) Escalators (c) Sports activities Form numbers of endorsements attached at issue I. COVERAGE E—PREMISES MEDICAL PAYMENTS The company will pay lo or for each person who sustains bodily Injury caused by accident all reasonable medical expense incurred within one year from Ihe date of Ihe accident on account of such bodily injury, provided such bodily In- jury arises out of (a) a condition in Ihe insured premises or Ib) operations with respect lo which Ihe named insured is afforded coverage fur bodily injury liability under this policy. Exclusions This insurance does not apply: (a) lo bodily injury (1) arising out of the ownership, maintenance, operation, use, loading or un- loading of (i) any automobile or aircraft owned or operated by or rented or loaned lo any insured, or lii) any oilier automobile or aircraft operated by any person in the course ot his employment by any insured; but this exclusion does not apply to the paiking ol an automobile on Ihe insured premises, if such automobile is not owned by or icntud or loaned to any insured; (2) arising out of li) the ownership, maintenance, operation, use, loading or unloading of any mobile equipment while being used in any prearranged or organized racing, spued or demolition contest or in any stunting activity or in practice or preparation lor any such contcsl or activity or lii) the operation or use ol any snowmobile or trailer designed lor use therewith; (3) arising out of Ihe ownership, maintenance, operation, use, loading or unloading of li) any wateiaalt owned or operated by or rented or loaned lo any insured, or (ii) any other watercrafl operated by any person in the' course of his employment by any insured; but this exclusion dues not apply to wjtcfcralt while ashore on the insured premises; or (41 aiising out of and in the course of Ihe transportation of mobile equipment by an automobile owned or operated by or rented or loaned lo any insured; (b) to bodily injury (1) included within the completed operations hazard or the products hazard; (2) arising out of operations performed for the named insured by independent contractors other than li) maintenance and repair of Ihe insured premises or lii) structural alterations at such premises which do not involve chang- ing the sue of or moving buildings or other structures; (3) resulting from the selling, serving or giving of any alcoholic beverage (il in violation ol any statute, ordinance or regulation, lii) lo a minor, (iii) to a person under the influence of alcohol or liv) which causes or con- tributes to Ihe intoxication of any person, if the named Insured is a person or organization engaged in the business of manuUcliiiing, dis- tributing, selling or serving alcoholic beverages or, if not so engaged, is an owner or lessor of premises used for such purposes but only part li) of this exclusion (b) (3) applies when the named insured is such an owner or lessor; 14) due to war, whcllitr or not declared, civil war, insuricclinn, rebellion or revolution, cr lo any act or condition incident lo any of the foiegoing; (c) to bodily injury II) lo Ihe named insured, any partner therein, any tenant or other person regu lady residing on the insured premises or any employee ol any of the foregoing if the bodily injury arises out ol and in the course of bis employ ment therewith; (2) to any other tenant if Ihe bodily Injury occurs on that part of the Insured premises rented from the named insured or lo any employee of such a ten- ant if Ihe bodily injury occurs on Ihe tenant's part of the Insured premises and arises out of and in the course of his employment lor Ihe tenant; (3) lo any person while engaged in maintenance and repair of the insured premises or alteration, demolition or new construction at such premises; (4) lo any person if any benefits for such bodily Injury are payable or required lo be provided under any workmen's compensation, unemployment compen- sation or disability benefits law, or under any similar law; 151 to any person practicing, instructing or participating in any physical (rain- ing, sport, athletic activity or contest unless a premium charge is entered lor sport activities in Ihe policy with respect to Premises Medical Payments Coverage; (dl to any medical expense for services by the named insured, any employee thereof or any person or organization under contract to the named Insured to provide such services. II. LIMITS OF LIABILITY The limit of liability for Premises Medical Payments Coverage staled in the schedule as applicable to "each person" is Ihe limit of Ihe company's liability for all medical expense for bodily injury to any one person as Ihe result of any one accident; but subject to the above provision respecting "each person", the total liability of the company under Premises Medical Payments Coverage for all medical expense lor bodily injury lo two or more persons as Ihe result of any cne accident shall not exceed the limit of liability staled in Ihe schedule as applicable to "each accident". When more than one medical payments coverage afforded by this policy applies lo the loss, the company shall not be liable for more than the amounl of the highest applicable limit of liability. III. ADDITIONAL DEFINITIONS When used in reference to Ihis insurance (including endorsements forming a part ot Ihe policy): "insured premises" means all premises owned by or rented lo Ihe named insured with respect lo which Ihe named Insured is afforded coverage for bodily injury liability under this policy, and includes the ways immediately adjoining on land; "medical expense" means expenses for necessary medical, surgical, x-ray and dental services, including prosthetic devices, and necessary ambulance, hospital, professional nursing and funeral services. IV. POLICY PERIOD; TERRITORY This insurance applies only to accidents which occur during the policy period within Ihe United States of America, its territories or possessions, or Canada. V. ADDITIONAL CONDITION Medical Reports; Proof and Payment of Claim As soon as practicable Ihe injured person or someone on his behalf shall give to the company written proof of claim, under oath if required, and shall, after each request from the company, execute authorization to enable Ihe company to obtain medical reports and copies of records. The injured person shall submit to physical examination by physicians selected by the company when and as often as the company may reasonably require. The company may pay the injured person or any person or organization rendering Ihe services and the payment shall reduce the amount payable licreundur for such injury. Payment hereunder sUAII not con- stitute an admission of liability of any person or, except hereunder, of the company. ||AUTMENTlC|l AVERAGE PART PERSONAL INJURY LIABILITY INSURANCE L 9287 (Ed. 1-73) Ft. ..achment to Policy No. SHP , to complete said policy. SCHEDULE Limits ol Liability LOO thousand dollars aggregate 10% Insured's Participation Coverage P—Personal Injury Liability The insurance afforded is only with respect to personal injury arising out ol an ollense included within such ol the lollowing groups ol offenses as are indicated by specific premium charge or charges. __ Advance Premiums ji fhcTutfed Include!! Included Croups •( OHenses A. False Arrest. Detention or Imprisonment, or Malicious Prosecution ?1 ^i!1 Slander, Defamation or Vitiation ol Rjghl o[ j'rivac y_ _______ C. Wrongful Entry or Eviction or Other Invasion of Right ol Private Occupancy firm numbers ol endorsements attached at issue fmflufletf Total Advance Premium_ Minimum Premium It 1s hereby understood and agreed that exclusion "CM Is deleted. COVERAGE P—PERSONAL INJURY LIABILITY ,e company will pay on behalf of the insured all sums which (he insured shall •TK-orne legally obligated to pay as damages because ol injury (herein called "personal injury") sustained by any person or organization and arising out of one or more of the following offenses committed in Hie conduct ol Hie named insured's business: Group A—lalse arrest, detention or imprisonment, or malicious prosecution, Gioup B—the publication or utterance of a libel or slander or of othe'r defama- tory or disparaging material, or a publication or utterance in violation of an individual's right ol privacy^ except publications or utterances in Ihc course ol or related to advertising, broadcasting or telecasting activities conducted by or on behalf ol the named insured; Group C—wrongful entry or eviction, or other invasion ol the right of private occupancy; if such offense is committed during the policy period within the United Slates of America, ils territories or possessions, or Canada, and the company shall have the right and duly to defend any suit against the Insured seeking damages on account of such personal injury even if any ol the allegations of the suit are groundless, false or fraudulent, and may make such investigation and settlement of any claim or suit as it deems expedient, but the company shall not be obligated to pay any claim or judgment or to defend any suit after the applicable limit of the company's liability has been exhausted by payment of judgments or settlements. Exclusions This insurance does not apply: (a) to liability assumed by the insured under any contract or agreement; Ib) to personal injury arising out of the wilful violation of a penal statute or ordinance committed by or with the knowledge or consent ol any insured; Ic) to personal injury sustained by any person as a result of an offense directly or indirectly related to the employment of such person by Ihc named insured; Id) to personal injury arising out of any publication or utterance described in Group B, if the first injurious publication or utterance of the same or similar material by or on behalf of the named insured was made prior lo the effective date of this insurance; (e) lo personal injury arising out of a publication or utterance described in Group B concerning any organization or business enterprise, or its products or services, made by or at the direction of any insured with knowledge of the falsity thereof. It. PERSONS INSURED Each of the lollowing is an insured under this insurance tp the extent set forth below: (a) if the named insured is designated in the declarations as an individual, Ihc person so designated and his spouse; (b) if the named Insured is designated in the declarations as a partnership or joint venture, the partnership or joint venture so designated and any partner or member thereof but only with respect to his liability as such; Ic) if the named insured is designated in the declarations as other than an indi- vidual, partnership or joint venture, the organisation so designated and any executive officer, director or stockholder thereof while acting within the scope of his duties as such. This insurance does not apply to personal injury arising out of the conduct of any partnership or joint venture of which the insured is a partner or member : and which is not designated in this policy as a named insured. III. LIMITS OF LIABILITY; INSURED'S PARTICIPATION ' Regardless of the number of (I) insured! under this policy, (2) persons or organizations who sustain personal injury, or (3) claims made or suits brought on account of personal injury, the total limit ol the company's liability under this coverage lor all damages shall not exceed the limit ol personal injury liability stated in the schedule as ' aggregate". If a participation percentage is slated in the schedule lor the insured, the company shall not be liable for a greater proportion of any loss than the difference between such percentage and one hundred percent and the balance of Ihc loss shall be borne by the insured; provided, the company may pay the insured's portion of a loss lo effect settlement of the loss, and, upon notification of the action taken, the named insured shall promptly reimburse the company therefor. IV. ADDITIONAL DEFINITION When used in reference to this insurance: "damages" means only those damages which are payable because of personal injury arising out of an offense to which this insurance applies. |]AUTHENTIC|] (Ih« AlUchlm Clauit need be completed only when thlj tndofiement li Usued subsequent to prepjritlon ol the policy.) LIABILITY-AUTOMOBILE GL21 07 (Ed. 1169) A52I3 —6334 EXCLUSION (Escalators) GU9236a (Ed 11-S9) This endorsement modifies such insurance as is afforded by the provisions ol the policy relating to the following: GARAGE INSURANCE MANUFACTURERS' AND CONTRACTORS' LIABILITY INSURANCE OWNERS'. LANDLORDS'. AND TENANTS' LIABILITY INSURANCE PREMISES MEDICAL PAYMENTS INSURANCE This endorsement, effective issued to by (12:01 A. M , itlndird time) . forms a part of policy No. Aulhonied Repie>cnUti»i The insurance does not apply to bodily Injury or pnperty damage arising out of the ownership, maintenance, operalion, use, loading or unloading of any escalator at premises owned, rented or controlled by the named insured; but this exclusion does not apply to an escalator at premises which the named insured owns, rents or controls only in part unless the named insured operates, maintains or controls the escalator. T'tj r r.u 2111 (Ed. 1 1 - 7 7 ) IL 00 01 (Ed. 11-77) AMENDATORY ENDORSEMENT Punilivo or Exemplary Damages Exclusion Regardless of any oilier provision of this policy, Ihis policy does not apply to punitive or exemplary damages. Tills endorsement must be attached to Hie Change Endorsement when issued alter the policy Is written. r.u 201 (Ed. 1 1 - 7 7 ) Uht Allichlni Cliuti ncfd bi completed only nhen Ihli cndoutment ll Inutd iub.teo.uent lo prcpirillon el Ihe pollcr.) I h XttiJU :,AK 1 . tfiv,- n!s I NIINBU' I O .N M J. SO >:. r-iSh :.;Ai. i.. 31 ! HUMS' ',' : I;ARI«HLAN INI: BUX a,MO SAIN1 MM'-,, V . I . IMK'IIUNI. : /•'•! ; /,i(. U/Oii Hi:iif.l A II I) II H : GIS. / POUND!. I'HODDU mm s.oo i-a.osooo miuur.is KM:I ivii) in GOOD CONIIH v;. ; i, .1, (IIMK : (HHI-K : O00037 C 0 C PI R I B B E tt M 1 N C V 0 I C E 0 7 I J. O 9 I -' !•:; C C O S H S O L E S THonns v i CUSTOfIEK ilTE CODE 0/92 61000 ; o o u c T •: BRflNO DESCRIPTION ORDER NO. TERMS CflSH DIST TERttlNOL 82 TEXflCO CARIBBEAN INC. BOX 3740 sniNT Tiionos, v.i. TELEPHONE = 774-3139 / 774-1931 PROCESSED 7/10/92 1005:55 CODE PflCK NUMBER OF PACKAGES A n 0 U N F GLS. / POUNDS PRODUCT PRICE T 0 T R L 173.50 219A HJWOL1NE FORHULfl 3 201150 12001 II) 30.00 17.35000 iUERED BY EMERGENCY TELEPHONES' FIRE OEPT 921 POLICE DEPT 915 flnBULftNCE 922 US COflST GUftRD 774-3497 COSH : T U I fl L 173.50 PRODUCTS RECEIUED IN GOOD CONDITIONS BY CHECK }<&'. OTHER : ^-<? S-- :.XACO - - c o n p A R T 1 | 2 1 E N T S 3 1 4 i v«y Official Sponsor |992 T^^j^l Olympic Summer Games is^1 1 1 . - -i ... 5 1 i 1 1 , . I. - - - 7 8 - - - 1 - ... | ... 1 ROQ0038 T (TV':Z: £00 mi 1 H d H 1 'J V <J M (.1 : HSVJ mt ->//. itb 1.11(1 dJI lUd I a. IdJiJ d»IJ J 111 OS Ul 1 « 1 0 1 OUO'il ' I \ 1)0 '01 01 \Wi\ fUM VINIHM ' I'l , I'l'HJV'i X IVrt ni|i|IJ.vJd 1 N II U H tf dU HJHHIIH dUUJ (» ,'t: HSVJ OSrtO< t V'lflHHUd dNUOftVH Vbl/T '-i 1 .1 II (1 U OOUIV iCb.'Vl. IU.I-V// / bV.H'-»// : dNOHrtdldl I A :SyWUHl i N I V S Of/l XOH JNl l •: w M I hi HI I N -I J L I.) /'. •JNI N f -) a ft i o . < > / CUSTOMER :, I f * nBRA»0 If I rPHllHf . / 7 4 - U W I ORDER NO. TFRMS OI C i n i A i T O 1 A I fVERED BY : PRODUCTS RECEIVED IN GOOD rOHDITIONS RV niHFR : . . TUT OO3 2262 TEXACO CARIBBEAN INC T N V O I C F NUMBER M I S C CASH SAI..FS ST THOMAS v i TEXACO CARIBBEAN INC. POX 3740 SAINT THOMAS, V.I. TELEPHONE : 774-11.19 / 774-1911 PROCESSED : :)/30/92 11:42:4S DAIF .V10/9? P R n ASS ««—-f,7 0 P BRAND 219* 1RS4 CUSTOMER CODE MOOO ORDER NO. n r T DESCRIPTION HAVflllNE HAV AFT FORMULA 3 20HSO MERCON/DEXRON 11 TERMS CASH fOOF PACK 1?OOI 17001 DIS1 1FRHINAI ft? ft? NUMBER OF A M 0 PACKAGES filS. / 10 10 1.1 N 1 POUNDS 30.00 30.00 PRODUCT PRICE I 0 1 A 1 17.1SOOO 171. SO I7.SOOOO 17S.OO T O I A I. .SO OFI IVFSFft fiY : PAYHFNT -fEXACil TAR FMERfiFNPY 1FI FPHONFS: FIRE DFPT 971 POI.ICF DFP1 9IS AMRULANCF 9?? ''US TOAST GUARD 7 7 4 - CASH : CHF« PRODUCTS RFCFIVFD |N Omin CONDITIONS nintw : ! C O M P A R T M E N T S '• N1IMRFP ! | ! ? ! 1 | * ! S ! * | 7 ' - - - - - ' - - 1 1 1 1 < ' M I 1 1 1 1 '• ' 1 i 1 iinncri i I i i i t i R TUT 003 2263 100042 TUT O03 2264 * n c: o R i B B E n N :L H c U C) I M u n R ;:• R c n s H <;; n L. E s ; u i HX'iUi CfiUEIufiM i'iC E.C.-: 5 7-10 MUNI THCMS. v'.l CUSTOi'iEf: ilOOO •3 C U C T SRflND DESCRIPTION NO. TERHS CP.SH TfRfilML fRCi.li5l.L- ?/!:.'?? COi-E PflCK W<f\! rK V t 11 1.5 I 1 H T f.L5 FflUNi 1!; 'T.'Ofijn T 0 1 A L 2194 HflVOLlNE FORMULfl 3 20W50 1200! 1854 HAV flFT MERCOH/OEXROK 11 1 2 0 0 1 50 On 17.5^000 '•'J.O 1'' r'.5000C 17V50 I,". 00 I C) .'.5 4 ij . 5 0 - :LKED 5V ; EttERCENCY TELEPHONED FIRE CEPT 921 POLICE OEPT plf. flPPULflNCF W lii COflST GUftRD 774-J497 FSUDUCTS -ECUVE9 IK tOOH LO^CITIONS CHECK : -•>. = XACO '-: T n E M T S I ? I 'i - - - i- - - -I - - Oflici&l Sponsor] 1992 Olympit'Summer 'Games -I 100043 - « ''< c Ak I HBFAN 1 N«: . N v n T r F **- M T s r. r '•• '.\ \w\n- N11MRF IV H ? 1 O R r-> 774 M !' mi. p R MOOO n n 11 r i RRANf) INSCRIPTION HAVOLINE FORMULA ^ 20U.SO HAV AFT MERCON/OFXRON |l IFRH (. l?0il! HRFft Of in A M n il l< 1 OPliriliri M ' .' t'lillNlr-. ' • ' i .' i Ift.OO 17 1SOOO 10.00 r .MIOOO 1 1, 1 4 i 171 SO 17S 00 T (I T A I 8 ..SO riFJ IVEREP ?-1 • \YHFNT REf.FJVFO RY : EHF.RGEMCY IF.I FIRF OEPI POI IfF PFPT AMB]ILANfF GUARD I'HKX flTHPR RF.R l I 2 1 1 1 ; 1 a : s ' ; ; 1 ; i i : i i t R100044 2266 < A C O C A R I B B E A N INC V 0 I r 5 O V O O O ic CASH HOHAS V I IE CUSTOMER CODE 2 MOOO 0 0 U C T BRAND ..MlHi DUMAS, V . I . TELEPHONE : 774-3)39 / 774-1931 PROCESSED 3/06/9? 13=00:37 ORDER TERHS CASH DtSt 8? TERHINAI fl? CODE PAf.lt NUMBER OF PACKAGES A M O U N T fil.S. / POUNDS PRODUCT PRICE T O T A L 173.50 HAVOLJNf FORMULA 3 20H50 12001 10 30.00 17.3SOOO T O T A L 173 .50 LtVEREO 3AWEHT RECEWEO ENER6EHCT TELEPHOHFS: FIRE OEPT 921 POLICE DEPT 115 AMBULANCE 922 COAST GIJARO 774-3W '4 : ii _t _ _ i _ PRODUCTS RECEIVED IN GOOD CONDITIONS BY CHECK : (..... .?.'.-A. OTHER : ./ 17 (•) R I B (.•; r rt N T M C o i it 2 1.ti.3 y 6 ; c: c n •- CM 140 <m \ a P i CMHD 219* 1J54 CODE 61000 .'.'''... ' U C T INSCRIPTION HflWLlNE HflU «FT FORflULfl ? 20«50 MERCON/DEXRON 11 ). COSH CODE PflCK 12001 JZ001 'ii 'T H/ /'UMBER 3F PflCKWtS 10 '0 H.RMIHiU 82 d fl 0 GL5. / U H T pnuiios *o. id ,00 .00 PRICE 17. 55 000 17.50000 ; o r 173 175, ft L .SO ,00 T 0 T 0 L iECEIV EMEStEHCV TELEPHONES: FIRE OEPT ?Z1 POLICE OEPT Vi5 OTlULDNCE 922 !JS COflGT GUARD 774-!4> CflSH •• C 0 f 'A R T n E H T 5 1 2 | 3 | A " CJfficla^Spbnsor" \9~92~ " ' Olympid Summer (feames L. I CHECK : 4 I KEtLUEO lit G?00 COHOJTKlHS BY i'THEx = 6 9 So £00 ..Lfll oo\r '•' 266*1 JOSiiodgliepDJO ' r * s ; M ] u' V Ji H .j i & j U.':'i ' f <• U'l . I1 o^r.o- j b ] n c soc:^ s ::i 'i u;.-; i -i fi u ::.i ::) v. :f-(CO Cm\'J. BE.', EflN 1N(.. NO. TC.SMS i!' tlOUC TUT 003 I • I - -S3WBEJ 3ll S 1 K 3 !0 OOVX5 '.!• c.;i>!0!i!QMn'i 50OS Nl i/!i<i3:>l!) •I'J.'Vli: 1! ISbfl] Si) i-130 33HO.J Id3fl l '3NI Kb Oi ,;'] i-"i><iv .. I !!ii ('•-. 'M K'lKl Uarili i 0 '.ilUHllJ jHMUftfH i \) i o : :;j:.j,j i'nnniij • vu: ^3!)«i'.rid '''.iiio woiiJiH353Q .jniJ.Sd : H :' '' i-! « JO U3!IUiW Jfli'i'J ! 3 tl 79 ;B H5U3 00019 'UKiWni lUfl 5Uy3l 'OH 3003 76'.: '] 0 Zt 3 Ot-.i V.C? :;'..';.'' .-r:'.! .'.'i-SiJ 7.1.0 0 l T Z. B i fi seu; s :;;n u s i-isu::) :.) i o ;j M i H u 3 a !:;i i ,\i y 3 o 3 u R 4 AUTOMOTIVE, INC. P.O. BOX 5230 iST. THOMAS, U.S. VIRGIN ISLANDS 00803-5230 (809) 776-0382 FAX: (809) 775-5566 ACCOUNT #oS7£5 SHIP TO: BILL TO: RAMSAY MOTORS, INC. RNNfiS RETREAT *4i?5 ST. THOMAS, , VI SOa- INVOICE DATE CHECK NO. IF.O NUMBER P.O. DATE SHIP VIA SHIPPING DATE | SEO. « , i SEi t I 1.. i 1ii • i ORDERED .: "-V- : OUR - . ... . 120 *•' - • - - • .„. - .- - 7 SHIPPED .. ,.. . ... GREJ 120 .--.. ,... . '•(to.' - *'. '• ••-•=•»• ^T~W . - iZ! ": ' .-. •-.r- --. "'ONE'' . ————— ;.. r^r^""' EEKL ~, — 0.1 V ; -r-r- . . „_ „. . •-.•..-.- - ... •., ;-«- . -- T. ^ PART NUMBER 7 - !•»- - V SPECIALS _ - Dirlo - •- -. ....... TERMS . „ . ._ ^ _. _. .., DESCRIPTION SAE £3W53 .- to mercnanose mure wil tie accepted withal a copy ol hs invoice. No returns on special oroeis or efccaul parts. Ihc setet hereby expressly disclaims al MoanMs. eflher cxpretstd or irvfed. warranty ol mercnarittMty or , Mess lor a pamulv purpose. The sel* nemer amines nor authoraes any other person n assume lor t any bMly in comectan with Die sale ol tos machinist t mx ttMCE DUKE tu IE OSOUt m Ul f»ST 1- \ \- ^(- b BE UlWCCi " ' " " ~ ! ,;SOVE ITEMS HAVE BEEN CHECKED ^^7 s~** ^f . & RECEIVED AS BILLED UNLESS Rec'd ttv S—s' /JCf ^H*f'\.,^——r^ —— — — ——— — " < OTHERWISE NOTED (Full N^Sl y? /^ ^ -a f^-~^-~ . UST £. 7S SALESMAN • COUNTERMAN » Ii .1 ,- .- i PRICE - • ,..- 1. 35 ... ....... EXTENSION | 1 1 1 ... iS2.se j I i ... i i • • i i i • >. -..- . TOTAL - - ...16£. 03 i .-. ,-i -T- ^ V •'•;'"?. i aO I HA - - . - - . . f «_• . ftMNT TO PAY 162. 33 ! 1 ' CSDin 'M VOICE: NO. DATE YOUR ORDER NO. OUR ORDER NO. ;., . . . . . J " ' • ' TO: 8t,. Thomas ;0 SHIP TO: JEREQ SHIPPED 1."' I 'V-> TERMS HATE SIHPPEM [ SHIPPED VIA^-^/^ />, / .... ..J_..._3 OE:..CRII-'II(IN o/c) r-1 'I-' -A/3-^^ •SALESMAN PRICE O.P.7 PER -4- AMICKJNT 177.00 . 00 63.00 16.20 7.0" 4,4^- / <>___I. -Jp <-.! •S——H-r—^-u ,' • ;O •-VKOHM oou LltHUIHIJ' TUT OO3: 2273 cv* TU TU TEXACO SERVICE STATION INC. ^^^^^^ Estate Annas Retreat #1 ^c_ frixAcol st- Th° mas' us' v|- °° 802 -, H \**^g^^ 775-2910 '-y NAME / / / / • — —— _ !\^r.':<*^~* ! ' *-'jr-.'r ADDRESS s" " | -- PH. NO. DATE '—£/>'•> I ^'i.>v/:--\. •' 7— '', •'.— &L QTY. b-- 3 CASH CO.O CHARGS ON «CCT. VD3E RETD. LAVAVVAV DESCRIPTION PPICE AMC'L1':* ^ ^<- 4'/: •fJ.jtV) 1 ": ! •v.— ' \ \\\\"" ! A " ' f,/i'rt:' S ; \ ' * ' , ,^\Nf ^ ; ! A : (-. ! Me——- - —— ! 1 IT,, ' 1 RECE'VEDBY |TOTA^- .J". ..^ Rl . ALL CLAN'S A\O HETUFiNEa GOODS 1^0)^ , MUST BE ACCOMI'AN'En 3Y TKIS BILL TU TU TEXACO SERVICE STATION INC. Estate Annas Retreat #1 St. Thomas. US. VI. 00802 775-2910 >/L+ • 1 jVj Q Al 1. CLAI-.'S ii^P RtTUH.'JEP GOODS MUST BE ACCOMfAMLP t" T l ' ^ B ' l l ooo <r TU TU TEXACO SERVICE STATION INC. Estate Annas Retreat #1 EXACO 1 st ThomaSl US' Vl' °°802 ALL CLAIMS ANO/RETLJRIM'=.C,GCOOS MUST BE ACCOMPANIED BY THIS BILL TU TU TEXACO SERVICE STATION INC. Estate Annas Retreat #1 FTP yarn! st- Thomas, us. vi. 00802 [TEXACD] ^^ j r - r - , inoo |0 1C" NAME ;'/&'?.>s^ <<•* '->-:-.^< 5DRES QTY. ECflVEDBY ECflV No. PH. NO. DESCRIPTION PRICE i AMOUNT TAX TOTAL ALL CLAIMS AND RETURNED GOODS MUST BE ACCOMPANIED BY THIS BILL TU TU TEXACO SERVICE STATION INC. ^^^^^^ Estate Annas Retreat #1 (TEXACO) st- Tn° mas- us- V|- °° 8° 2 ^^fe^^ 775-2910 /•~\ NAME.,' / ** ,_' -/ • •' ADDRESS •'' i •' ''•'"'• , ' " \ QTY. ! £> \ I * CASH • • • --V c.o.o. •-."'-.r.~ " Pp. NO.,- / ,''(' DATE^^., '- ; CHlHGE ON ACCT. DESCRIPTION •* '• : . . / /. ^', • - ' • ..--' •' ' ^ } • t /o/^- RECEIVED BY No. MOSE RETD. PRICE 1 '*• • ' )' TAX ^ TOTAL!5] LAYAWAY / AMOUNT s- ' K s- ' ~/ ^ '!' ALL CLAIMS ANti RETURNED GOODS MUST BE ACCOMPANIED BY THIS BILL. TU TU TEXACO SERVICE STATION IN§? ^^^^^^ Estate Annas Retreat #1 , (TEXACO! st- Th° mas' us- vi- °° 8° 2 ^^g^^ 775-2910 NAME / • -.^•i/ ADDRESS \ SOLD BY QTY. "7'<" CASH c.o.o. '<_< ' l.i —' /' > V -i £H._N( CHARGE D,<? _ -^ ON ACCT DESCRIPTION M.'w- / >• ^ f ' \ \ \ - \ i RECEIVED BY No. / / ' D#E '-v'/'/ MDSE REfD PRICE '/ TAX TOTA- LAV AWAY AMOUNT / / • / /f j;;^ ^•-2 ALL CLAIMS AND RETURNED GOODS MUST BE ACCOMPANIED BY THIS BILL TU TU TEXACO SERVICE STATION INC. ^^^^^^ Estate Annas Retreat #1 (TEXACO! st- Tn° mas' us- Vl °° 802 ^^j&^^ 775-2910 NAME r••/ /•>•' <^> i,- A^C' TL r< i ADDRESS / | \ SOLD BV QTY. / ^jl_PH.NO. CIS" C.OD. CHARGE ON ACCT DESCRIPTION --' " -/<• ' I j ! . RECEIVED BY / s / .' 3>- DATE MDSE RETD. PRICE .C TAX TOTA^ LAYAWAY AMOUNT -, .r- •"* \ | J "?: •LI ALL CLAIMS AND RETURNED coops [^ Q^ MUST BE ACCOMPANIED BY THIS BILL CTJTcO / TU TU TEXACO SERVICE STATION INC^ ^^^^^^ Estate Annas Retreat #1 ^ (TEXACD! st- Thomas- us- V|- °°802 c li^s^yil 775-2910 ^ NAME /I • , /?/Z^/~^ '' ADDRESS SOLpBY 3___ QTY. ——— ~^ CASH C.OD. ' PH. NO. CHARGE ON ACCT. DESCRIPTION ^<^^5" / ^___^^ \ "^ XE^EIVtD^^ ^Qj^^ No. D^kTE MDSE. R6TD. PRICE j/52 ' TAX /; jcn/fjf LAYAWAY AMOUNT ^" ^ ' 6' j ' I dt /ALL CLAIMS AND RETURNED GOODS /MUST BE ACCOMPANIED BY THIS BILL T'J' TU TEXACC SERVICE STATION INC. ^^^^^^ Estate Annas Retreat #1 iTFYAPnl St- Thomas, US. VI. 00802 -./- l^§£2J 775-2910 #% NAME /J nj /rma.,-r /^^; ADDRESS • / • - - - ^ '-r— -7 —— i_L22_n/4.ir7£<(2. sorb BY QTY. Jf CASH c.oo.^ fH. NO. ••CHARGE ON ACCT. DESCRIPTION Lfiu^ } St \ I / '^-/ '/I, / u.mu»s /, / / ' 7 U RECEIVED BY No. DATE 7r;~f 7 MDSE RETD. PRICEj rY '/ TAX TOTA^J LAYAWAY AMOUNT 7. 7' w w ——————————— ,/ ———————— • — - — . ALL CLAIMS AND RETURNED GOODS MUST BE ACCOMPANIED BYJHIS BILL TU TU TEXACO SERVICE STATION INC. j ^^^^^^ Estate Annas Retreat #1 [TEXACOI st- Thomas- us. vi. 00802 ^^^^^ 775-2910 \^dSrt->^H $fJ^<A /A//* 0 ' .- ; . -^/Q&*> L •4-'.\Ju>*-.- ^ QTY. !'\5> ——— L k^-. J B«. NO NL^^ CHARGE ION ACCT H- DESCRIPTION ^a-/, \ s • "^. 'V — — X^— . X " -rtfv? \v> j^ . \ ', RECEIVED BY No. DATE / ; ,&// *?>!JT/ "DSE R£TD PRICE f LAY/WAY i AMOUNT ^' 1 1 1 1 1 TAX TOTA^g V \w • 1 '>n ALL CLAIMS AND RETURNED GOODS MUST BE ACCOMPANIED BY THIS BILL ^ « •^ o-- TEXACO SERVICE STATION INC. Estate Annas Retreat #1 NAME ADDRESS /- No. PH. NO. ON ACCT. DESCRIPTION BY C DATE IOSE. RETD. LAYAWAr PRICE TAX TOTAI|K .AIMS AND, AMOUNT Q ALL CLAIMS AND.RETURNED GOODS MUST BE ACCOMPANIED BY THIS, BILL r- »^% < < TU TU TEXACO SERVICE STATION INC. c ^^^^^^ Estate Annas Retreat #1 ^^^^^ 775-2910 NAME ,,;^7^ ADDRESS soLftar QTY. ?.. 5 CASH ii C.O.D. »• ///, ^d ' PH..W CHARGE '-^\ /V' /' X ON ACCT DESCRIPTION .. .. / / , .RECEIVED BY -c-j-\-^_;A_, »\ _ JB ' V' s ^ ••<*• - '*v* v No. \ I *£f/ ^77? UOSE. RETO. 1 PRICE • ^ TAX 1 j ! LATAWAY AMOUNT .'I zT' . i ^> ALL CLAIMS A*JD RETURNED GOODS MUST BE ACCOMPANIED BY THIS BILL D D D » ^ TU TU TEXACO SERVICE STATION INC. ^^^^^_ Estate Annas Retreat #1 iTEXACOl st' Thomas- us- Vl- 00802^" ^^^ 775-2910 NAME .. ' - .. ^_i_. ADDRESS -•-?~ scjcosy QTY. 5.'^ I CASH C O D / PH. NO. CHARGE ON ACC- DESCRIPTION '•" " : .- / ~^j= fticF-"! RBCEIVEDBY f— f -J — £^t ———— c^j — ^-AX' ————————— r ——————————— _ ~^ DATE MDSE. BETD. PRICE .,/ " —— ' TAX TOTAl1? CAVAWAY AMOUNT 3 ^d ^; lki._ ALL CLAIMS AND RETURNED GOODS f\| O. MUST BE ACCOMPANIED BY THIS BILL TU TU TEXACO SERVICE STATION INC. ^^^^^^ Estate Annas Retreat #1 [rev A rn] St. Thomas, US. VI. 00802 Li^ffyiJ 775-2910 NAME /^v^S^4^^^^ ADDRESS ^ / /^^2£7l*'^'-- __ '- 3f 6.TY. ^•r~-- / PH. NO. . G^-^' CASH C.O.O/ CHARGE S^ ON ACCT. DESCRIPTION <??^ / REfCIVED BY sL- \k'^Vv<7a>?* No. ft ' ?^%7 /$ii MDSE. RETO PRICE fy TAX 1 ' TOTA^ LAYAIMY AMOUNT U-' k% C£ 1 I ALL CLAIMS AN*D RETURNED GOODS MUST BE ACCOMPANIED BY THIS BILL SSOOOi/V , CO TU TU TEXACO SERVICE STATION INC. Estate Annas Retreat #1 ^y [re Y Ami st- Thomas, US. VI. IICAHUUJ 775-2910 RECZWED . No. PH. NO. DATE -2 7 CHARGE ON ACCT. DESCRIPTION PRICE TAX TOT/ AMOUNT ALL CLAIMS AND RETURNED ooobs MUST BE ACCOMPANIED BY THIS BILL RECEIVED BY ^ /.J/,f^ Na ALL CLAIMS AND RETURNED GOODS -• --. men RY THIS BILL TU TU TEXACO SERVICE STATION INC. ^^^^^ Estate Annas Retreat #1 frCYfirnl St. Thomas, US. VI. 00802-^-'" H^JJI 775-2910 Otfty S~> - Lr- NAME ,'///';; ADDRESS ^//4&i// ' *&>/ ~>7~-4- — T'T * QTY. 6*7 CASH C O D . /' /r/o/M't PH. NO. CHARGE ON ACCT DESCRIPTION ^.4?'/ / /2^^- RECEIVED BY^/^^ DATE -, ,, _ •?^/^"^ MDSE. R6T6. PRICE/• TAX TOTAJt^ LAY AWAY AMOUNT '& . 10- V & 111 i/ ALL CLAIMS ^ND RETURNED GOODS I^Q^ MUST BE ACCOMPANIED BY THIS BILL. TU TU TEXACO SERVICE STAT'f/n inr. Estate Annas Retreat #1 St. Thomas, US. VI. 008C2 775-2910 ALL CLAIMS AN0 glTUKNtD GOODS MUST BE ACCOUf AMIf 0 ItY THIS BILL TU TU TEXACO SERVICE STATION INC. Estate Annas Retreat #1.: St. Tnomas, US. VI. 00802" 775-2910 —to NAME ^ ADDRESS \.^JJl .'GU-,-'. SOLO BY ! QTY !/ 5 CASH 4.^0V 1. ' > —J siXO. I 007*. < PH. NO. CHARGE ON ACCT DESCRIPTION <&2>1? S i RECEIVED BY ^V^'''> No" 'i^Sfcfr 1 DATE J^ZfrV* MOSE RETD PRICE CAY AWAY AMOUNT -S'\ < -^ ' l) * 1 1 ! I 1 j I ii TAX TOTAI^ ^~r £> 1 1 £b ALL CLAIMS /NO RETURNED GOODS MUST BE ACCOMPANIED BY THIS BILL. TU TU TEXACO SERVICE STATION INC. Estate Annas Retreat #1 Thomas, US. VI. 00802 775-2910 _ ALL CLAIMS /&D RETURNED GOODS MUST BE ACCOMPANIED BY THIS BILL CD COoooc ALL CLAIMS AND RETURNED GOODS MUST BE ACCOMPANIED BY THIS BILL. TU TU TEXACO SERVICE STATION INC. ^^^^^ Estate Annas Retreat #1 frPYAPn) St- Th°mas, US. VI. 00802 liSJgiSU 775-2910 NAME ' . . -.-../ .J' .-;•,. . // / /',?,+.-.• . ADDRESS (\-. , I. SOLD BY QTY. •*"•. / 1 1 CASH /" . i ; •* C.OD. ' / /:r. c PH. NO. CHARGE ON ACCT. DESCRIPTION —— r— - — i ! i ! ! 1 ' ——— RECEIVED BY 1Y-.M- 1 —— ^ —— I < v ••• <^-H- i •/3i.-C DATE / ' •• y- (' ~< c MDSE. RETO. PRICE LAYAftAY AMOUNT f - i ———— 1 i i 1 ! i 1 1 i l: f ! ; i ! i 1 i TAX TOTAL ; Jljll CM CD Oo O No. ALL CLAIMS AND RETURNFD !-;CC5 MUST 8E ACCOMPANIED BY T-J 5 BiL. ! TU TU TEXACO SERVICE STATION INC. ^^^^^^ Estate Annas Retreat #1 ITEXACOi st- Thomas' us- Vl- °0802 L-^flft^ 775-2910 NAME , • / ADDRESS fpj-V-^ SOLD 6V I <~L, CASH QTY. ] K"-/ i _ lf J-/?e^x C.OD. ./ '^Wr-'^ ' - V. PH. NO. CHARGE |ON ACCT — -H 1 DESCRIPTION r,v-'-_3 Y Aj^-% /\ ?---v^' 2^S& i —— ' ^.'O^^ D£p_#-9^ VDSE. HETD. PRICE LAYAWAY AMOUNT ,^- i -+-> 1 1 ; TAX TOTAL ^. 0<> • l , ALL CLAIMS AND RETURNED GOODS W Qm ' . MUST BE ACCOMPANIED BY THIS BILL. TU TU TEXACO SERVICE STATION INC. ^^^^^^ Estate Annas Retreat #1 [TEXACO! st- Tn° mas. us- V|- °° 8° 2 l-vj£^ 775-2910 NAME p ^ <? 7^ ADDRESS t— \ SOC.O BY *\J/ QTY. 2r£ %-, CASH coo (<a^' /tf&i/^s, //Vf, i / i£/"?>7t \ PH. NO. DATE 1 CHARGE t^ ON ACCT. DESCRIPTION -fi^o ^T..T£^._ , ^ESX^S^y^ No. / MDS£. RETD. PRICE LAYAWAY I 1 AMOUNT s, Q- -^ 1 i GO rt& | \ i i 1 TAX 1 TOT/S3T ———— ^ i i | 90 ALL CLAIMS AND RCTUKMEO GOODS MUST BE ACCOMPANIED pv THIS ~".^ CO O O O c. -0 ED TU TU TEXACO SERVICE STATION INC -—. «• Estate Annas Retreat #1 St. Thomas, US. VI. 00802 775-2910 ALL CLAIMS AND RETURNFD ;--CDS -1JS. B; ACCOMPANIED SY T-i; 5|LL I TU TU TEXACO SERVICE STATION INC. Estate Annas Retreat #1 st- Thomas. US. VI. 00802 775-2910 NAME --. • • •'.,: • - . . . . •-• ADDRESS r > -~/ • ,~)r'> >*5// SOLD BY QTY. ; -• CASH •/& , c.oo. PH. NO. CHARGE -—• - ON ACCT. DESCRIPTION DATE _ . / *" MDSE. RETD. PRICE LAY AWAY AMOUNT . ' i ! I I I " ' / RECEIVED BY -\ . { f.4-Vv>S ^A\-.,'- 1 - TAX TOTAL ' !i i ii i ii 1 1 ! . •• • ' —— 1 1 ii --' t 1 » 1 ALL CLAiMS AND RETURNED OCODS |^ Qw MUST BE ACCOMPANIED 5V TH' r ~'UL COooo C IN TU TU TEXACO SERVICE STATION INC. ^^^•^^ Estate Annas Retreat #1 ITPYflCOl St- Thomas, US. VI. 00802 Ui^JU 775-2910 ^'LtoLuU frhfttL^: /#& (? ^ /uJ) Q AJ -A-" P^NO. DA ^en,J^..^:' 'Y-e °/- SOLDSY 4> QTY. CASH COO CHARGE O^ACCT MDSE.RETD. DESCRIPTION : PRICE ^ :7\ (JLa 7/^y/fe / LAYJ(WAY AMOUNT !T- • i i. i | : i I . i I | / >! ' • , } / ;' ' ;^/y " _ •' ./ /i ( RECEIVED BY / / 1 TAX TOTALf^ / 5-- ^7 i — 1 &-, • 1 ALL CLAIMS A^rf RETURNED GOODS |\O. MUST BE ACCOMPANIED BY THIS BILL TU TU TEXACO SERVICE STATION INC. Estate Annas Retreat #1 st- Th° mas- us- v|- °° 802 775-2910 VIE ADDRESS QTY. R.7 PH. NO. DESCRIPTION DATE PRICE i AV.OUN.T — ^ —————— / ^ Oft,' 7^- /I ' _f — -b/^T ^r7 ^^ ' ^ RECEIVED BY No. 1 i; i TAX TOTAL ^* V ALL CLAIMS AND RETuB^f MUST BE ACCOMPANIED BV CO CDoo <r CO CO o TU TU TEXACO SERVICE STATION INC. ^^^^^ Estate Annas Retreat #1 [TEXACO] st- Th° mas- us- v|- °° 8° 2 L^^gJ 775-2910 NAME < ADDRESS Cs>r /'. GTY. (r~ "3 >'J "*>& p *\ a /r\ #sJ Cx? V •^ / PH. NO. CH^spe/c1- ACCT DESCRIPTION 1 II I .-. -rT- "9 • ^ «?ji- .-^-• . t "-^ / / K '"""^sL * \ \ ii x-p "^>^.-<^7> c RECEIVED BV No. MDSE RE DATE \V-/' ~C* >> TD L A V A V V i v i PRICE I AMOU'.T 'O /o^r^ I ii' • U'! i I I i i i I i ! 5 -— ~— — ^^•^ TAX TOTAL i ! : — - —— ^x • ?•,,*> 1 ^T (^ ALL CLAIMS AND RETURN' V;os MUST BE ACCOMPANIED E> I'LL - o cT ^ TU TU TEXACO SERVICE STATION INC. ^0*^^^ Estate Annas Retreat #1 (TEXACO! st- Tn° mas- us- VL °°802 V^^^J 775-2910 I NAME /? /— in' / ! A/£m5&\s //<&^f^> m* ' <3*jf/ 1 i i SOLD BY *=&*- i QTY. CASH PH. NO. 1 00 C--~RG£ DESCRI 0\ iCCT FTiON | S-5 i :'';>'' ,,_ i i i ; ! ™t/'7^ VDSE ^ETt. PRIC E $ \ | i i LAY AWAY AMOUNT o? 1 1 / i i i i i i ! No \i 1 i i! . OL r\ 1 i i i i i i i 1 1 1 1 i ji RECEIVED BY, 1 ^ u, ^<fc . /- -/^ *r itlXSs- TAX TOTAL I s5 & \ * fi'U ALL CLAIMS AND RETURNED GOODS UST BE ACCOMPANIED BY THIS BILL TU TU TEXACO SERVICE STATION INC. Estate Annas Retreat #1 St. Thomas, US. VI. 00802 ' 775-2910 NAME ADDRESb QTY. RECEIVE PH. NO. DATE. c.oo. CHARGE IONACCT DESCRIPTION MOSE SETD I LAYAWAY PRICE I AMOUNT TAX .TOTAL No. ALL CLAIMS AND RETURNED GOODS MUST BE ACCOMPANIED BY TH \L.p CO O O <r TU TU TEXACO SERVICE STATION INC. Estate Annas Retreat #1 t. Thomas, US. VI. 00802 775-2910 n .. i> TU TU TEXACO SERVICE STATION INC. Estate Annas Retreat #1 flEXACOl st ThomaSi us" VL °0802 QO CD CD CD O <T ALL CLAIMS AND RETli = MED GOODS MUST BE ACCOM'1'*' V> TM'S BILL TU TU TEXACO SERVICE STATION INC. ^^^^ Estate Annas Retreat #1 [rexACol st- Thomas- us- Vl- °0802 ——— \ ———— I * AME ^ Kao^-^J TYyMrCTC" ADDRESS ! ^Jj SOLO BY t QTY. I ii ———— I -Y' CASH / C.O.D |PH. NO. CHARGE ON ACCT. DESCRIPTION £)fC>-^/^ rk-& 0 /3// r , i R€C€IVED BY QlQyV^-vr\^&&Wo DSE. RETD. PRICE E ——— ' ———— LAYAWAY ——— AMOUNT ^M^ TAX TOTAL . ^( 1 1 ] - ALL CLAIMS AND =.=TURNED G<.^- OJ r> TU TU TEXACO SERVICE STATION INC. Estate Annas Retreat #1 st- Th° mas- u^- v|- 00802 775-2910 NAME ADDRESS • . ( rrt^ S- PH. NO. DATE .'?-, CASH C.O.D. CHARGE ON ACCT. MOSE. RETD. QTY. DESCRIPTION PRICE AMOUNT I Q1 11 RECEIV^BY • li,_L|- TAX TOTAL ALL CLAIMS AND RETURNED GOODS MUST BE ACCOMPANIST >(|SB|L|- TU TU TEXACO ^^^^ Estate (jEXAcoJ st ^ NAME SERVICE STATION INC. Annas Retreat #1 nas, US. VI. 00802 775-2910 rl 6#uy-S VTlA/A-LS; 2*C ADDRESS /^/ SOLD BY ^ 'QTY. •2 '' 'fa.'**. CASH 1 C.O.D. PH. NO. CHAR06. ON ACCT. DESCRIPTION : A. • 1,.J > :'/t s> i ! s . / • X- j^v. ./.^'V/ -- - ' ( ' \ \\r — ^^\ ' ?/- / ^ L %TE-^-^ JOSE. RETD. PRICE fr AMOUN ^ «: / / I •. ) V L~' - / ^\_^-^ ; RK!!22^^yA4^ No. 10« 4 S gR*£ \\ _ ———— II TAX TOTAL ^ T ti # ALL CLAIMS AND RETURNED GOPD MUST BE ACCOMPANIED BY THIS BIL ^ - > L. ) O 1 ———————— F- TU TU TEXACO SERVICE STATION INC. ^^^^^^ Estate Annas Retreat #1 [TEXACOI st- Th° mas. us. vi. 00302 ^^j^*** 775-2910 1 ••' ADDRESS .- . - . /' QTY. PH. NO. ——— CHARGE d. ON ACC UtSUHIPTION RECEIVED BY — — —— No. DATE MDSE RETD PRICE J L A Y A H A Y AMOUNT i y • i ! I i TAX TOTAL \ \ / - . . - I i l i I \ I l / - ALL CLAIMS AND RETURNED GOODS MUST BE ACCOMPANIED BY T( \i ————— —— __ r_ O O 0 <r^ ! •3- TU TU TEXACO SERVICE STATION INC. Estate Annas Retreat #1 St. Thomas, US. VI. 00802 775-2910 NAME I ADDRESS QTY. CASH c.o.o. CHARGE PH. NO. IDATE ON ACCT DESCRIPTION MDSE RcTD. PRICE AMOUNT TAX TOTAL No. ALL CLAIMS AND RETURNED GOODS MUST BE ACCOMPANIED BY - L.. o^ TU TU TEXACO SERVICE STATION INC. ^^^^ Estate Annas Retreat #1 ITFYHCOI st- Th°mas, us. vi. 00302 \££&2* 775-2910 NAME SI T^/f'/^Lj ADDRESS ' ' / &.'"SA>,{'^ $* QTY. i-^- CASH C.OO. •^2f^f x, - PH. NO. DATE W-^-i/'J CHARGE ON ACCT. DESCRIPTION V^3^/.A. for 9kofi /?r -6 ; • tt\ t 1 ' Y/ / / n^ ,!/]/ ^ K ,I L// ( v' \r/ \ V w RECEIVED BY No. MDSE.RETO. PRICE *V k(& TAX TOTAL LAYAWAY AMOUNT p <r 11 ! 1t- \\ Jt tf 1 1 1 - ,f) ALL CLAIMS AND RETURNED GOODS MUST BE ACCOMPANY" HY THIS BILL. <?JL J..Q /,.. >* TU TU TEXACO SERVICE STATION INC. ^^^*^^ Estate Annas Retreat #1 [jEXACOl St. Thomas, US. VI. 00802 l^^J 775-2910 NAME ADDRESS r- \y- \lfr^ I QTY. fife l^on fa* ) »rf,*,; ??&&« PH. NO. ON ACC" DESCRIPTION 4.L\ //( i J i / i i , i r'{, ^ r^6 f , 'I (. v\1 _ ^ M \ j\r\) rxA V^H\L ol ^^ \\ RECEIVED BY No. ^ MOSE RE DATE /£.< - f- ?3 TD PRICE i.AVAWAY AMOUNT if Ml 7 I ; /' TAX TOTAL / \\ /7. ALL CLAIMS AND FT MUST 3E ACCOMPAN ^ 2> \ED GOODS / THIS BILL TEXACO SERVICE STATION |NC ALL CLAIMS AND ' MUST BE ACCOMPA CO in fX. C-4 TU TU TEXACO SERVICE STATION INC. Estate Annas Retreat #1 St. Thomas, US. VI. 00802 775-2910 NAME / •- JV»/-#~, -?t<'A; . ADDRESS / szottff • -~~~ PH. NO. DATE «4V,> ///. ... ^ j/'i/"' /.'- v--?;< AJ ^ QTY. r- •s CASH C.O.d. CHARGE ON ACCT. » <L^" DESCRIPTION <£T / /- xx , /;x ^ ,/^ ^ ———————— ~~— ' RECEIVED BY . 40SE. RETO. PRICE / TAX TOTAU / AMOUN X /• . '• Y T X5 I CO IMP, ions MUST BE ACCOMPANIED BY THIS BILL Oo c TU TU TEXACO SERVICE STATION INC.^ ^^^^^^ Estate Annas Retreat #1 [TEXACO] st Thornas> us- V|- °o802 ^^^J 775-2910 NAME l7 +.4/7- / A a- /v\. Scv.v r'foCc* / ADDRESS T^i-r? SOLD BY ^ QTY. •?.£ CASH c.o.o. / PH. NO. CHARGE ON ACCT. DESCRIPTION Q*-s Ue^sL / <LXdff ^^ oit&z. "^^^^^f Nb. 10274 DATE /A//, 7*Z_| MDSE. RETD. PRICE 3 TAX TOTAL 6 LAYAWAY AMOUNT I ? C-i^e ) V5~ i I I d>^ ALL CLAIMS AND RETURNED GOODS MUST BE ACCOMPANIED BY THIS BILL i> TU TU TEXACO SERVICE STATION INC. i^^^^^ Estate Annas Retreat #1 ITEXACOI st- Thomas- us- VL °0802 ^^^^^ 775-2910 /? £Un 5' <V Wo n'fa V ADDRESS /a h. SOLJJJ"' j &-\ QTY. CASH C.O.D. f PH. NO. DATE _ ;/ - / ^ 9i CHARGE ON ACCT. DESCRIPTION S. / i G-^ \ f'O' ^>i^& \ fo . i _ — - I (•(•< 71 '' V ( .--^ ).i Wfj \^K r\ "f V / i ivr- —— RECEIVED BY ^—^1 NO. 10399 1 / MOSE. RETD. PRICE LAVAWAY AMOUNT N 9- - TAX TOTAL ^ 1 i 1 <3ch 1 ! i ^7 1 6 C. ALL CLAIMS AND RETURNED GOODS MUST BE ACCOMPANIED 8Y THIS BILL. o ^fo <r TU TU TEXACO SERVICE STATION INC. ^^^*^fc Estate Annas Retreat #1 ^y [TEXACO] st- Thomas- us- V|- °0802 ^^g^^ 775-2910 NAME ADDRESS f !'.///£. .t— ) & QTY. .•5 7 ^' CASH Xk C.O.D. /{ J^s'a,- */<. C-:./^ PH. NO. DATE //- -J /.--?.'' CHARGE ON ACCT DESCRIPTION '7t! S'l/.^ ~> RECgJk!Sl^.Y S ~-?s ^^yfe^-^V/ Nb. 10516 MDSE. RETO. PRICE TAX TOTAL LAV AWAY AMOUNT /"<? !//'. / ! / i / ! 1 i V ! \ 1 M / I 1 H t fa ALL CLAIMS AND RETURNED GOODS MUST BE ACCOMPANIED BY THIS BILL. TU TU TEXACO SERVICE STATION INC. Estate Annas Retreat #1 St. Thomas, US. VI. 00802 St. Thomas, US. VI. 00802 775-2910 SOLD BY ] CASH | C.OO DESCRIPTION ALL CLAIMS AND RETURNED GOODS MUST BE ACCOMPANIED BY THIS BILL in ooo (T TU TU TEXACO SERVICE STATION INC. Estate Annas Retreat #1 1 00802 775-2910 C.0.0. I C H A R G e l o N A C C T l M D S E S ALL CLAIMS AND RETURNED GOODS MUST 86 ACCOMPANIED BY THIS BILL Estate Annas Retreat #1 frCYAPIll St. Thomas, US. VI. 00802 IICAMUUJ 775-2910 NAME n ADDRESS SOLD BY QTY. CASH I C.O.D. PH. NO. CHAR tJN ACCT. DESCRIPTION DATE MDSE RETD. PRICE AMOUNT r: ~i TAX TOTAL - -°-3 No. ALL CLAIMS AND RETURNED GOC''/S MUST BE ACCOMPANIED BY THIS B-I.L ooo <r -y TU TU TEXACO SERVICE STATION INC. ^^^*^^ Estate Annas Retreat #1 [TEXACO] st- Thomas- us- VL °°802 Li^^^il 775-2910 NAME / , ADDRESS SOLD BY QTY. ; , , CASH C.O.D. s' PH. NO. CHARGE ON ACCT. DESCRIPTION * -•-" W ./- , MDSE. RETO. PRICE / LAYAWAY AMOUNT I I •~ii i RECEIVED BY No. TAX TOTAL , ' - ALL CLAIMS AND RETURNED GOODS MUST BE ACCOMPANIED BY THIS BILL. 775-2910 CD O O (T TU TU TEXACO SERVICE STATION INC. ^^^^^^ Estate Annas Retreat #1 frCYflrnl st- Thomas, US. VI. 00802 li^SJ 775-2910 NAME *s? ^^ -~^ ' Wt^^Lsss s7&"fi?7^ ADDRESS '**^ .A^/ #tfLOB!r QTY. s;,6 CASH / c.o.o. PH. NO. CHARGE ON ACCT DESCRIPTION <?<r^> / ' /' , r~ i ^,<*)&/fl'% \ : /- \ , / 1 ' I 1 ,; . \ i /// 'V / Re 1 lAr —— f~, fa iM- 1 ^ CEIVED BV No. °y/x#/ MOSE RETD PRICEif \ \ f LAYAWAY AMOUNT ?• \ \ I j TAX T°TA^ 9 f? i iii 1 i — .T7 ALL CLAIMS AND RETURNED GOODS MUST BE ACCOMPANIED BY THIS BILL. TU TU TEXACO SERVICE STATION INC ^^^^^ Estate Annas Retreat #1 ——— - 51 Th«i'«— ' "* ' " , , r^r/V SbtDBV CASH C.O.D. CHARGE I ON ACCT I UOSt. RETD. I / LAVA&AY /,x: /_•<•• | I '' COr-ooo c TU TU TEXACO SERVICE STATION INC. ~ Estate Annas Retreat #1 s, US. VI. 00802 775-2910 . ^ ________^V 6. ALL CLAIMS *66 RETURNED GOODS MUST BE ACCOMPANIED BY THIS BILL. TU TU TEXACO SERVICE STATION INC. ^^^^^ Estate Annas Retreat #1 [rrYftrOl St. Thomas, US. VI. 00802 Ui2£-S 775-2910 /n NAME /*/ (^TY^I-r—, ———— /( Qyr?? .A~, i ; WT3v3/)v( ADDRESS ~- <^J ^ ^ / ' PH. NO. DAJJ. /. / , C^(t— - 2///$ / QTY. r-A rA.. CASH C.O.D. CHARGE ON ACCT. DESCRIPTION <?^ / /9s O /JAj^r/ ^ c_^/y ^ / I/ n JU a/ / :^>^ /// j/.V 71 r b '11 RECElV-EI' BY mOSE. HETO / / PRICE .^ A /ZP <• l 7 / / A/ ti/tl' ^y TAX ^ .«^ ^ AMOUNT 5^r / 7 ' <T reJ .? c. . CD !> CD O Oc »| |\|O. MUST BE ACCOMPANIED BY THIS BILL. TU TU TEXACO SERVICE STATION INC. ^^^B^H Estate Annas Retreat #1 ITPYflCOl st- Thomas, US. VI. 00802 11*^22 775-2910 ^^ NAME /? _-, ^ fii^m^yf^^ ^>/£>r^ ADDRESS /!« pp- QTY. 5-U _^2 CASH -./ C.O.D. PHJvlO. /- /'*' 7/rZ- CHARGE ON ACCT. DESCRIPTION «M t) •/ ^^rEDBV-"^- :^^' DATE ^ J>- V~ <?' MDSE. RETD. PRICE <# TAX TOTAL LAYAWAY AMOUNT *, <£, y * . O\ — ' fa l^l ^. ALL CLAIMS AND RETURNED GOODS 1 X O. MUST BE ACCOMPANIED BY THIS BILL. TU TU TEXACO SERVICE STATION INC. aii^ ^a Estate Annas Retreat #1 [rcYArnl St. Thomas, US. VI. 00802 lii2&SS 775r2910 ... NAME j' fc ' • \ ,.>v.i-\ ADDRESS ''A*v- SOLE BY ^ i _ QTY. -1 . - f | | | I I / CASH '*% C.O.D. \ ~* . ' * ^ ' T-" ^ PH. NO. CHARGE »..-- ON ACCT. DESCRIPTION ^••iv--. I ' ,*-' \ / . - - ' - ' / / ''~~" ' .- - 'i '''- ' ~"~"~ i. RECEIVED BY DATE _ ,. ~* ' '- MDSE RET(/ PRICE* TAX TOTAL''; LAY AWAY AMOUNT •"' I i i ! i j i ! i »l ALL CLAIMS AND RETURNED GOODS [^ Qm MUST BE ACCOMPANIED BY THIS BILL oc-ooo <r O O O CO TU TU TEXACO SERVICE STATION INC ^0»*^^^ Estate Annas Retreat #1 TEXACO^ Sti Thomas- us- V1- ooeoa ^ ii -t -~j« ALL CLAIMS AND RETURNED GOODS MUST 86 ACCOM?ANIcO Bv THIS BU.L TU TU TEXACO SERVICE STATION INC. Estate Annas Retreat #1 ^TTS St. Thomas, US. VI. 00802 TEXACDj 775-2910 k No. J03V oo O 00 TU TU TEXACO SERVICE STATION INC. Estate Annas Retreat #1 St. Thomas, US. VI. 00802 775-2910 NAME ADDRESS PH. NO. IDATE / i .X /'"./••- i QTY DESCRIPTION i - P R I C E | AMOUNT /LAYAWAY ' i i ! i I •'" "> ! ' . / x ! •i r^- -z/i " 'I •^ ' "" ^x-^ / ^ RECEIVED B*' ' I / ! ''/ ,-t ^^ 1 -TAX ——— TOTAL c. y — • — ~ -^ — f-n" —— ;~ —— ^^fef? ii 1 vf? •ki^T ALL CLAIMS AND RETURNED GOODS |>|O. MUST BE ACCOMPANIED BY THIS BILL TU TU TEXACO SERVICE STATION INC. ^^^^^^ Estate Annas Retreat #1 ITFYarni Sl- Thomas, US. VI. 00802 1 ' ™ ^\9^ W v 1 - _ _ , k^g^^ 775-2910 NAME sW „,, X -- £t<////^ 'Y<r/&t*z*s ADDRESS ' / ;1^ D ^ ^ ^ CASH •?? C.O.D. --• ,PH. NO. i CHARGE ON ACCT. "^TY. DESCRIPTION 7-9 ! V X ^* —— Q ^ (T "~""--. v"^!. ^ si ^ U U\l r L.>A -, 0 7> \^ - — — .__—••• RECEIVKO'ter' , , .. tfj&r- flt'-Jts '- f/ • Nof^ °a<#»^ MOSE. RETO., PRIC E i^ TAX TOTA^ ^ tX^AWAY AMOUNT J D / / / I \ \-i-{ 1 & ^D ALL CLAIMS AND RETURNED GOODS MUST BE ACCOMPANIED BY THIS BILL. 7* -D Oo O 00 TU TU TEXACO SERVICE STATION INC. i 11111^*^ Estate Annas Retreat #1 ilEXACol st- Thomas- us- Vl- °°802 L^^i^-J 775-2910 NAME ADDRESS - : SOLO BY QTY. CASH C.oo. PH. NO. CHARGE ON ACCT. DESCRIPTION RECEIVED BY No. ' s / / ' ' ' ' , DATE UOSE RETD. PRICE - TAX TOTAL LAYAWAY AMOUNT ALL CLAIMS AND RETURNED GOODS MUST BE ACCOMPANIED BY THIS BILL. f TU TU TEXACO SERVICE STATION INC. ^^^^^^ Estate Annas Retreat #1 iTEXACol st- Thomas' us- Vl- °0802 ^X^jL^r-^ 775-2910 NAME f~) KC*^rn^ ADDRESS' «Nt»ri. *°A^~~ QTY. B. Jo . CASH Sl~— C.O.D. $/^-^-^' /'brtt ^ PH.NI CHARGE ON ACCT. DESCRIPTION £^" //l^Z- / ^ k'^Q'tf ±>ffl 'V ^_, RECEIVEDB^- ^--y^^ No. " ^.su ^?-?\s( yxj?^/ MOS6. RETp< PRICE y ff 1 TAX / TOTA^ y*«*-s AMOUNT cr o ^9\ & ALL CLAIMS AND RETURNED GOODS MUST BE ACCOMPANIED 3V THIS BILL. o 00 TU TU TEXACO SERVICE STATION INC. ^^^^^^ Estate Annas Retreat #1 [rcyftrnl St- Tnomas. us- Vl- °0802 L-^jfrT^ 775-2910 NAME •• S 2 ^,i<c . / ^ ADDRESS (_^O'~) r/3.\ S> -iv SOLDJUr QTY. JTJ CASH c.oo. r , ' PH. NO. CHARGE-- ON ACCT. DESCRIPTION \ / -' * _ ." 1 • \ * ' h\~ ' - \ ^ j ^ N. / r . / / ,/ RECEIVED?*/ /^/^ DATE __ _£--. MOSE. RETD. PRICE TAX TOTAL LAYAWAY AMOUNT '^T:- ^ , <& d6 », ^J^ ALL CLAIMS AND RETURNED GOODS |^Qe MUST 86 ACCOMPANIED BY THIS SILL TU TU [fix AC" *£3£** NAME / TEXACO SERVICE STATION INC. ^ Estate Annas Retreat #1 g| St. Thomas, US. VI. 00802 ^ 775-2910 - ;,'.?«3 ,_, ADDRESS _ f SOLD BY QTY. CASH •'-r- C.OD. /"//MM-: PH. NO. CHARGE ON Acer DESCRIPTION q -J 0 « -——N 1 1 \ ^r \ / ,S^ n / I , Vs ^ 1 n ^; /". ^ iT j 1^_ 7 /i ,/^ RECEIVED BY^ fafify No. / . i. n/ / / °Ar^27/^i MOSE. RETD. PRICE TAX TOTAL /LAYAWiY AMOUNT <y_ ^ n • 77 TV ALL CLAIMS ANO RgTUSNEO GOODS MUST 86 ACCOMPANIED BY THIS SILL QTY.'VSf' r7 RODRIGUEZ AUTO PARTS," INC. P.O. Box 2576;-#'"*•••••"•' ST. THOMAS. U.S.V.I. 00801 (809) 775-1545 '••> (... . * 'f-K -*- i--? YJ/3G/ i ' V-'':V.-.-. ' ;• •"•".T:Ci;J..S:jj'.jjt ! • ,i'l ^lOJi'iS «0^*.f-S.V- ., \ •• /r.^«t--.jftfcg? :?:<•. DESCRIPTION . ;r PRICE ' >••' AMOUNT --..TAX RECEIVED TOTAL 56605 Wll claims and returhed • floods • MUST b« accompanied by this bill,- OQOOB5 ••i'-! V'r- ROJDRIGUEZ AUTO PARTS, INC. P.O. Box 2576 "/•••' ST. THOMAS, U.S. V.I. 00802 (809) 775-1545 20056 All claims and returned ooo'da :''-!'" • MUST ba accompanied by this bill. C7' I- „ _ 1L, CTV^jj - 100086 * TL)T 003 2303 QTY. RODRIGUEZ AUTO PARTS, INC. P.O. Box 2576 ST. THOMAS, U.S.V.I. 00802 (809) 775-1545 DESCRIPTION • • : • • • • ' - . < > '" PRICE . AMOyNT *.' '& ff. — ^--*itt " •! CO Tl'^U;;:- 1 T~T All claims and returned goods MUST b- ^ 000087, RODRIGUEZ AUTO PARTS, INC. P.O. Box 2576 •?#••'•'?.?. ST. THOMAS, U.S. V.I: 00802 (809) 775-1 $45 .•;.! •~\ -., - V-J TAX RECEIVED BY . ' \ • 21437 -• • ., . . All claims and returned goods" _j- •••• •'•'. ?^'- '. •; • MUST be accompanied by this bill. **/JifiJi1r ^"Y£>»f ' ' 000088 RODRIGUEZ AUTO PARTS, INC. P.O. Box 2576 ST. THOMAS. U.S. V.I. 00802 (809) 775-1545 X~ CUSTOMER S ORDER NO. - 1 . . NAME V. ADDRESS SOLD BY QTY. CASH • • t . C.O.D. PHONE DATE / "\ y? I f" / , , ... ^ . A. .' * -• y, — . ^«_ ~t t CHARGE ; ON.ACCT. MOSE-RET-D DESCRIPTION 1 i ...... i RECEIVED BY ^ •• .X : . '.••' ,' ... •'' >' -.S'tf s PAID our PRICE TAX TOTAL ^ff-}^r AMOUNT ••/;,"-' i All claims and returned goods MUST be accompanied by this bill. OQ0089 RODR1GUEZ AUTO PARTS, INC. P.O. Box 2576 bT. THOMAS, U.S. V.I. 00802 (809) 775-1545 ^.A\ CASH C.OD. • CHARGE. ON ACCT.- MOSE.RErD , PAK) 001 QTY. DESCRIPTION PRICE AMOUNT CLXOL. .!f^rv....J3k 3.75 TAX .Jtt RECEIVED BY / ^ —* A 'l/r* TOTAL n 28712 All claims and returned goods MUST be accompanied by Ihls bill. '•'?"/• - i t ) ' £100090 TUT OO.:> RODRIGUEZ AUTO PARTS, INC. P.O. Box 2376 ST THOMAS. U.S. V.J. 00802 (809) 775-1545 S~ CUSIpMEn'S ORDCP NO. , '' ^S> ' "v "/ NAME -n / /x ' / S' / .• ADDRESS /5P':' 'bfv. - "5 ; .CASH .!;,... .'.'•''.. f/ C.O.D. PHONE x;-j CHARGE. A r ONACCT. DAT 6 '/<'>;c--' '/rvc " MOSE.RErD DESCRIPTION x£ ' RECEIVED BV V " •' ' . ,• . / s ' ;:u; .— i . ' s"'.i^ ^ PAID OUT PRICE ^,- TAX TOTAL 1- '-' • AMOUNT ."I..."". .. £d -. ) A4175 All claims and returned goods MUST be accompanied by this bill. '. /~?i ( l/ '• ti. A 100091 TUT 003 2313 RODRIGUEZ AUTO PARTS, INC. P.O. Box 2576 iil THOMAS. U.S.V.I. 00802 (809) 775-1545 ADDRESS 'S SOLP'feY , , CASH C.O.D. CHARGE ON ACCT. MOSERET'O . PAID OUT DESCRIPTION PRICE AMOUNT -•- ••• TAX ECEIVED BY TOTAL 1563 All claims and relumed goods MUST be accompanied by this bill. 000092, TUT GO3 2314 RODRIGUEZ AUTO PARTS, INC. P.O. Box 2576 - ST. THOMAS, U.S.V.I. 00802 (809) 775-1545 All claims and returned gopds MUST be accompanied by this bill. 1087 ^00093 "!"U "I" GO 3 231 5 RODRIGUEZ AUTO PARTS, INC. P.O. Box 2576 • . " • • - ST. THOMAS, U.S.V.I. 00802 (809) 775-1545 *W.t.u.X/t|.._............_.y./..t.i.:...l..5A/Za J .••'}!• DESCRIPTION' / r N ^00094 QTY. RODRIGUEZ AUTO PARTS, INC. P.O. Box 2576 ST. THOMAS, U.S. V.I. 00802 (809) 775-1545 ' DESCRIPTION' " ' ' W W r . T A X .rfOTAt •. * t i T~ I if ?• •• * V- 20001 All claims and returned goods ^-»_. '•- :'., .i-i v • MUST be accompanied by this bill. //|/? fl *T ff)l / !"UT (JO 3 2317 RODRIGUEZ AUTO PARTS, INC. P.O. Box 2576 ST THOMAS. U.S. V.I. 00802 (809) 775-1545 f CUSTOMER'S ORDER NO. ADDRESS -*" ,/; .;- 1 sqtjMBYx' QTY. ::^ I™/" ?;..'. CABfJ.., ^ :''°'^%«> PHONE • J ^CHARGE '< 6 /.< w*4' OATE 1 S ~> / •- 1 f 1 .,......=-......,................ M03E.RET-D W$R? :••:•- -i'ffSS DESCRIPTION & *2?iveD BY ^^ V 15991 i '^£ " S, V* t.... ^Z^ •^ 6S at PRICE 2j3-&6 7 TAX TOTAL IPPIIfl AMOUNT --""?? 5"d ^ 5 .1 1 ' / All claims and returned goods MUST be accompanied by this bill. CT^L -^ /_ CT^j- - R OQ0096 TUT 003 2318 RODRIGUEZ AUTO PARTS, INC. PO F3ox 2576 SI. THOMAS. U.S.V.I 00802 (80?*) 775-1545 f CUSTOMER'S OHOER NO L-# i ADDRESS A/A/ /'CASH; QTY. • C.OJ5. -••' ON ACCT,' MDSE.RET:D DESCRIPTION .. ' ' PRICE AMOUNT 1 0 "7 4 OQ0097 RODRIGUEZ AUTO PARTS, INC. P.O Box 2576 ST. THOMAi. U.S.V.I 00802 (809) 775-1545 QTY. 7 » ••/ CASH . DESCRIPTION RECEIVED BY PRICE TAX TOTAL AMOUNT 7 10 "7 4 /L All claims and returned goods __ MUST be accompanied by this bill. C7~t nf^Jr (~\rn 1 ' I 000097 TUT O03 y 3 •?( RODRIGUEZ AUTO PARTS, INC. P 0 Box 2576 ST THOMAS. U S.V I 00802 (tJ09) 775-1545 S ORDER NO. /£ L_, QTY. ;CASH ECEIVED BY C.OB.. CHARGE , ON ACCT.' DESCRIPTION . «»••>••• H..........C?... PRICE ' AMOUNT TAg, TO All claims and returned goods _ __ C O C O MUST be accompanied by this bill. CJ~t „ 1L CT^j. f (2,000098 2321 / RODRIGUEZ AUTO PARTS, INC. P.O. Box 2576 ST THOMAS, U.S. V.I. 00802 (809) 775-1545 f CUSTOMER'S ORDER NO. CHARGE' tfei pf4,ACCT; ftert QTY. DESCRIPTION PRICE AMOUNT //•' " > r TAX RECEIVED BY £L I TOTAL 20445 All claims and returned goods MUST be accompanied by this bill. ^00099 RODRIGUEZ AUTO PARTS, INC. P.O. Box 2576 ST. THOMAS. U.S. V.I. 00802 (809) 775-1545 QTY. DESCRIPTION PRICE AMOUNT TAX RECEIVED8Y \ TOTAL All claims and returned goods 23964 MUST b°accompBnled by lhl9 b1"' ^lank c^bu A ^00100 "UT RODRIGUEZ AUTO PARTS, INC. P.O. Box 2576 ST. THOMAS, U.S. V.I. 00802 (809) 775 1545 CUSTOMER'S OHOER NO. ADDRESS I ' CASH';. C.OJ3. .' .CHAROEI ON ACCT. MDBEiRErD QTY. DESCRIPTION' PRICE AMOUNT TAX RECEIVED BY TOTAL All claims and returned goods ^^^ -. . ^ ,, _ MUST be accompanied by this bill. •-/"?,,.,, /,- 21.194 indim 01 TUT OO3 2:374 RODRIGUEZ AUTO PARTS, INC, P.O. Box 2576 ST. THOMAS. U.S.V.I. 00802 i (809) 775-1545 f CUSTOMER'S ORDER N NAME ADDRESS &* SPS OTY. . y ................................. ffixfy o. (S.u.iJ.:., \i jjt jjjp T*jJt -* *' PHONE xf%2?rfts DT6 /6/vi ): \ «7oUrS / ' ' f^fllffiB^HMfflHBIr^' DESCRIPTION ....... //" '(. t. ..';.. vl^.^. 1.3LD..........:.............. RECEIVED BY I A' ' V * | . v V" PRICE ....................... .^ TAX TOTALi AMOUNT 1 ........................... ..|............ .... f V • '3^ ..........7...............|....... ........... -————,---—•• .............................4..................... 1 1 1 ...........................1..................... 1 ........................ ...| .................. 1 ..... ........ ..I................. 1 1 1 f/r,,- Ij^O -,. ' j All claims and returned goods 9T?/ MUST be /accompanied by this bill. CTTfj o f| f»- ^^Yf)* I ^00102 RODRIGUEZ AUTO PARTS, INC. P.O. Box 2576 ST. THOMAS. U.S. V.I. 00802 (809) 775-1545 i /3^3- NAME ,--> PHONE y'. >«<. DATE ^ Sf. //'. / T / / / AD'DRESS I \s i,'-"'>S*S ^£PP* ^i T *fr OTY. ____/__ ^^ovtaHJi $ffi.'mlsIll:^4^S /i. •VWf***?!Wir DESCRIPTION </rc rO Y-; ,y - J3.6,:. ^.-. ic/ '-.. t: ' o .....dec-.' -f- ....................!.... RECEIVED BY •* ..'.'/ / 22332 J.T; PRICE foft y/ TAX TOTAL i^BH^ r IWH'*7w''^*n^WT^*T'r. AMOUNT #V?- ~>( *<J$- 71 1 'All claims and returned goods ,- MUST be accompanied by this bill. ^'jh'frilf ^VJSf f OOQ.J,03 TUT RODRIGUEZ AUTO PARTS, INC. P.O. Box 2576 :•'•*:• ••$:&&* ST. THOMAS. U.S.V.I. 00802:^1-*; V--:-.r£ <809) 775-1545';: • • ;:-*$ '•%* .. ' ' " " AM claims and returned gooda ." ' MUST be accompanied by this bill;-. . 100104* TUT O03 2327 ^•'RODRIGUEZ AUTO PARTS, INC. P.O. Box 2576 ST. THOMAS, U.S.V.I. 00802 775-1545 1 $ -b».«ecomp«nl«d by thle TUT 'OOTOOoV RODRIGUEZ AUTO PARTS, INC. P.O. Box 2576 ST. THOMAS. U.S.V.I. 00802 (809) 775-1545 claims and returned- goods accompanied by this bill. RODRIGUEZ AUTO PARTS, INC. P.O. Box 2576 ST. THOMAS. U.S.V.I. 00802 (809) 775-1545 AMOUNTMf ifiacusji^r^g Alt claims oVfd/returno^ Wwwua MUST bo accompanied by this bill! 000107 RODRIGUEZ AUTO P R T I N G . P.O. Box 2576 ST. THOMAS (809) 775-15,45 : All claims and returned goods MUST be accompanied by this bill. '•'• 000108 ROELi AUi J MOTOR P.O. BOX 5494 ON. PUERTO RICO 00621-8041 INVOICE N U M B E R DATE Oil) IO: CUSTOMER'S,ORDIK NO. ^ // S l l l l ' l ' l I ) l ( > : DUR ORDER NO. SAfjjSPERSON - i ' : ^ ' TERMS • F.O.8. SHIPPED VIA QTY. ORDERED OTY. SHIPPED STOCK NUMBER/DESCRIPTION PRICE ——r PER AMOUNT r O / / /£<? 109 DC DUPLICATE o o • Cctbonlt!• • UAOC IN V.1 5 TUT' 003 <)l L) 1O: /- INVOICE N U M H E K DATE / ' -•'-; ~ / '/ CUSTOMER'S ORDER NO. JTY-PttHRnj C=>b "r+ — ,-t — "' ^ :QTY.-SKIPPED '3*.* k^ f-- ' •" '• > ::• ^ .,' .''-•* ' ' ,; , . . ' • • • - • ' • /" ' - 7'. , / "••'•' / •- • " ""/'" ' •-.-'..' t • > , <-.' ••'';'<'/'S',t.. ' ' - '•• '.'••", -T-^ ' W-'Z'' '•>CJO<]° '• ' '/-^ . ' % ? / ' / ' '^ -V <"> ' 7 K ''/-- Vo ::o * / "~ ^ f) /77 -c-tf c- ( /7^ ••/_-"'•- 0011 ^ f-. -• ^ y T i^» Q U A D R U P L I C A T E o WII»onJon«« • c»t>°>M..i • M«OC »' u s TUT O03 2331 ROELI AUTO MOTOR P.O. BOX 9494 8AYAMON, PUERTO RICO 00621-8041 INVOICE N U M It I K DATE CUSTOMER'S ORDER NO. o:|,,,ir' A. i 1 V I, « * J )UR ORDER NO.. ... 00130 SALESPERSON TERMS f.O.B. ay o 1991 OCLA JTY. ORDERED QTY. SHIPPED STOCK NUMDER/OESCRIPIION 120 o-J ! 2 :> (') 0 JUAIMtUI'l K All \ \ o ooiii 003 IDLMNU P.O. BOX 51*0 - SUB BASE 17 ST. THOMAS. U.S. VIRGIN ISLANDS 00801 - 5110 TEL. 774-8420 - FAX - 775-4480 I L/L.1.1 « L.I I I -JL.II '111 ¥ ,-| ll_V ST-2179231 T O / OMER NUMUEIi I 100 s r SALESMAN I IgrMMENt DELIVERED VIA || PURCHASE ORDER NO. PICK UP D OUR TRUCK D uT H I )J 1 (7 HMBB8&H i^T^pT™01' ' ' SHIPPING NAME & HAZARD CLASS ACETYLENE • FLAMMABLE GAS ACETYLENE • FLAMMABLE GAS ACETYLENE • FLAMMABLE GAS ACETYLENE • FLAMMABLE GAS 8.CETYLENE • FLAMMABLE GAS 3XYGEN • NON FLAMMABLE GAS 3XYGEN • NON FLAMMABLE GAS DXYGEN • NON FLAMMABLE GAS 5RGON • NON FLAMMABLE GAS JITROGEN • NON FLAMMABLE GAS IITROGEN • NON FLAMMABLE GAS / ;ARBON DIOXIDE LIQUIFIED JSlnm« 0« / U ANT • NON-FLAMMABLE GAS / lEFfcnrfRANT • NONFLAMMABLE GAS REFRIGERANT • NON-FLAMMABLE GAS IEFRIGERANT • NOt -FLAMMABLE GAS REFRIGERANT • NON-FLAMMABLE GAS REFRIGERANT • NON-FLAMMABLE GAS .IISSINGCAPS D£ / L^^r*^ \, T Y A-40 A-70 A- 190 A-250 A-380 M H T T / T 65 ' R-12 R-12 R-12 R-22 R-502 R-S02 STNO VOl - ——— no 220 33py /33« 205 300 301 50 I 145 f 25 « ISI 251 IDENT. NO. UN III/ UN UN UN UN UN UN UN UN UN .'I-! UN Jfi UN Uli UN UN 1001 TTI 1001 IUOI tooi loot 1072 1072 1006 IOGG 1066 •>:37 102B lo.-a 1028 ;in» 19^0 1956 PROOUC 1 S A C I Y F H E OXYGEN OXYGEN OXYGEN ARGON NITROGEN •* ' i.. i IT ' ,' ii • NITROGENJ i CO} KHKEIMII! MFKCMUir WFMCCIUHT HEFRICCIUIII RUHGtlUItT REFIKCMin < 1 ! 7^ f/Cl ^-^, — r i i i . , \ ^J^O^^lJ^'^^h^'|^/^<y ^^/^'<6v/ o i i i i , 1 1 1 9 a ORDERED BY I',*".. '-iiAin.r ; .'nv-trr*: i -n .\?.-»^i MI pur ' i 't ft •o" - 0 f~1 0 L. . \> 0 I 0 0 0 0 0 9 0 Ol ; i iii 1 1 u 0 0 0 0 0 v 2 2 ? 2 1 1 •• 4 .il 4 4 4 1 3 /.I i 0 n L. .T 1 0 0 ^ S| 4 4 j 5 0 * 1 5 4 •? 2 (i 1 T ..5 0 u 5 0 ° 0( i.} 0 M 0 t) 0 0 JD , 0 2 0 3 '' L" !:' 0 0 t '0 o c 0 T 1 1 1 1 1 0 i I ^'% "t.f a- / X ,,,, -J\- :' 1 a- ) •' PE'WING B'O \ CASH CD CREDIT y PAYMENT INCLUDED / $ TOTAL VOLUME s 1 ; \ I £^-^ . • 1 1 UNIT PRICE ^ 'o^Oy f 1' K CHARGES ...„ — ....... o? Z / ^7^ ' ^ l&Q>l)O / / _/ 1 1 / )om \ ANObEFICIENf RECEIVED w->;;•;- DENTED BROKEN VALVES DURNEO '..' I A\L OXIDISED 'TED ABOVE THE FOLLOWING CYLINDEfi -CTEO \ GREASED OR OILED [CONTAMINATED]) MISSINfr CARg na NO EMPTY TANK AVAILABLE AT PICKED UP POINT TRUCK DRIVER DID NOT HAVE TIME TO COLLECT THEM vvritrr MOT Acrr-^ini |- TO TRUCK nnivrn nn mr mn W P.O. BOX 5140 - SUB BASE 17 ST. THOMAS, U.S. VIRGIN ISLANDS •00801 -5140 TEL. 774-8420 - FAX - 775-4480 NO ST-2180982 MONTH / 4LESMAN DELIVERED VIA PICK UP^6 OUR TRUCK Q t PAYMENT TERMS: L ^tfJJIHi SHIPPING NAME & HAZARD CLASS ETYLENE • FLAMMABLE GAS ETYLENE FLAMMABLE GAS ETYLENE • FLAMMABLE GAS ETYLENE • FLAMMABLE GAS ETYLENE • FLAMMABLE GAS YGEN • NON FLAMMABLE GAS YGEN • NON FLAMMABLE GAS YGEN • NON FLAMMABLE GAS CON • NON FLAMMABLE GAS ROGEN • NON FLAMMABLE GAS ROGEN • NON FLAMMABLE GAS RBON DIOXIDE LIOLflFIED ^"UM««a <M FP 'T • NON-FLAMMABLE GAS =RI^_^IT • NON-FLAMMABLE GAS =RIGERANT • NON-FLAMMABLE GAS FRIGERANT • NON-FLAMMABLE GAS FRIGERANT • NON-FLAMMABLE GAS FRIGERAHT • NON-FLAMMABLE GAS SSING CAPS {J lj f ^ *3fT~7v_X JSSZZ^f*: / \ A-40 A-70 A- 190 A-2SO A-310 M H T T H T 65 R-12 R-12 R-12 H-22 fl-502 R-502 STND «X 110 220 330 336 205 300 301 50 1 1451 1251 15 f 25 1 PURCHASE ORDER NO. O&O&Z^ ORDERED BY • rp''.'.; it:".'1!' •'• "'• • •' "pi '''• •'.?'• ' ' '•! " "rs CM AMOUNT nun V ,., ' . . , . •• • • • • i '«:i :.:•/• •!( i '. IDENT. NO. UN UN UN l;i<! UN .;,, UN (111 UN IjU UN UN UN U 1 UN oil UN M 1 ) - ,/f" / / i~l s\v* *4-<£iE>~f?j ^fe- i ! i : i ; 1001 ,M. 1001 ! 1' .' 1 1001 .„';. 1072 I'Ji. 1UOG IOGC 1066 2187 1028 lOJfl 1028 lUld I9S6 •J'JO ' i%t pnooucis ; r t •, ji oi./ 1 i- v v.yLr_ %> A 1 [o 1 0 j 2 5 j 0 j 1 ET i 'i • t ' i , • i .; . .1 V'f 1 0 |_1 0 | 2 1 0 E i i y l u i' .••••> 1 0 1 0 2 2 1 0 OXYGEN , . i. , j . . 11 . i. OXYGEN 1 0 [ 1 0 1 1 1 1 I 0 OXYGEN ' j.! ARGON 1 0 1 0 7 4 0 NITROGEN' ; ;i i 1.1 j ~\ ; o NITROGEN 1 0 1 ... ,0 3 ;1 0 C02 1 0 1 ' 0 5 0 0 KFncEMKt i (j 4 b | 4 5 0 : 1 0 ' 0 ' 0 0 0 0 0 1 KFHGERAlir 1 1 | U <1 1 0 1 : (, 1 '1 1 1 tunauum ) I' 0 l ^ l s l ^ j s i o l 1 REFncEJum i | j 4 j , .1 j o II REFBIttllAM 1 L 0 | 4 | 0 5 | 6 2 J ) REFRICER'NI . „ ' , . , . . ; ! , 9 9 1 5 0 0 3 fTt I k&rl\& £>lcl Oj3j7 ^ i i 1<£LC ^/5^4C^S" •^/- • (A 6<^0 ' ( 2+7 '2~ i. ; nil i i^ i i 0 JC2 *r ~? Sf ; : _ __ -J_i ^\ i i : > i i i • • 1 . • ^^^^^M •^•••1B HAGEDANDbE ilNDER RECEIVggg^g FiClE^T X^l^^^^fl ^''''^^alBB^^^B -:,.,. . . .. ,.„ , ,,.,. ,,,.. *"\o , ... . |;' • ' -p $ f 'H PENtWG B / O CASH CH CREDIT |V PAYMENT INCLUDED ' $ TOTAL VOLUME i / i-SIi eW- =?Mf — l \ 1 ii v\ \ OTAL — * * UNIT PRIQE onr CHARGES 1 -. I <^S» S~ / Q u( 4^^ vv^Vk ==aOOTK ~>d?/x» • *v * /^ 113 * * ** — -- ^^-7C IBROKEN VALVES BURNED OXIDISED GREASED OR OILED II CONTAMINATED j "^| ———— MISSING CAPS ————— j ———— <LD NOT BE COLLECTED ' " \ NO EMPTY TANK AVAILABLE AT PICKED UP POINT .:. Q AMOUNT TYPE TRUCK DniVEn 010 NOT HAVE TIME TO COLLECT THEM / WERE NOT ACCESSIRLE TO TRUCK DRIVER On THE TRUCK f~ I INUUb ISLAND UAb, IIMU —P.O. BOX 5140 IsUB BASE 17 Si-2181082 ST. THOMAS, U.S. VIRGIN ISLANDS 00801 - 5140 NUMULH i too R A K S E Y MOTORS 40S AMNA'S RtTREAT TUTU ST. THOMAS. VI 0080! ^^ 5AL^S« M /) {ti ^ ^___ _______ .. ——————— -___ •/ DELIVERED VIA II PURCHASE unu/tn ,-,^. PICK Uf^f]) OUR TRUCK D | Q £> O ^T^-/ fe' PAYMENT TERM^J ;^f .^j|||j|g|i|||||^|||||||f|||g|||||gg|^ SHIPPING NAME & HAZARD CLASS vCETYLENE • FLAMMABLE GAS iCETYLENE • FLAMMABLE GAS ACETYLENE • FLAMMABLE GAS \CETYLENE • FLAMMABLE GAS 5CETYLENE • FLAMMABLE GAS DXYGEN OXYGEN OXYGEN ARGON • NON FLAMMABLE GAS NON FLAMMABLE GAS • NON FLAMMABLE GAS NON FLAMMABLE GAS NITROGEN • NON FLAMMABLE GAS NITROGEN • NON FLAMMABLE GAS CP ' DIOXIDE LIOUIFIED SI,...,, Ms Rfc^ ^ANT • NON-FLAMMABLE GAS REFRIGERANT • NON-FLAMMABLE GAS REFRIGERANT • NON-FLAMMABLE GAS REFRIGERANT • NON-FLAMMABLE GAS REFRIGERANT • NON-FLAMMABLE GAS ^~ REFRIGERANT • NON-FLAMMABLE GA"-^7 Yp f A -40 A-70 A- 190 A-250 A-380 M H T T H T 65 R-12 R-12 R-12 R-22 SINO V(X 110 220 330 336 205 300 301 501 1451 1251 IDENT. NO. UN UH UN II, -i UN OH UN • II J UH ijjj UN 'ID UN Mil UN UH 1001 101). 1001 !lu' t 1001 K..JI 1072 1006 1 '_".'.' 1066 PI87 1028 IU2!) 1028 mlb pnooucis ; /• T-T'! \LiJ EI i i ' ' I OXYGEN , OXYGEN j 1 OXYGEN : ARGON 1 NITROGEN ! NITROGEN 1 C02 KrncEiUM 1 REFBOEBANI | | R£FHCtRAM[ ) RfFHCEIUIIT ! i |"*-| ——— ^~^~^-————^ —— ———— - —————————————— UA -1 MISSING CAPS ' _, •) ! • =-X."VTV, I 4tL. • • I* : ! !.- ! J^L( \ -5 /.^ .ji^y^/ > . ^ ~.\) i 1 i ! ; yC^/O*•^ V- \^ /6<?r ( tf^, & . X 1 \ '• \ "** — "" UVLINUEF? WILL HAY A iVlONTHl. r n-i T>^-«fATE INDICATED ABOVE THE FOLLOWING CYLINDER JULD NOT BE COLLECTED ] INDETERMINATE AMOUNT AM°UNT TYPE GAG IY .M J> - i - D| 1 | c j j | 2 | 'i ' 1 ' L* : • ' °[l[0 2I •J j 1 Ml /I 4i.Lo-.UJ o i . , -J | I o h j o i t i 0 I 1 0 7 •;|- u 3 0 j 1 1 0 3 M 1 1 0 l «• 0 4 0 ,4_ U it 0 4 0 4 5 4 u * I •.' •* 0 A<£--£- - /^30^ \ \- * j; ;<j :i ? " ± 4 0 .1 r. 5 U 0 R O ORDERED BY t /l^L 0 l! J. w u •- (1 o 0 0 » \± 0 0 « v* <^^S /&£ &/~<y/\ I I I ; 1 - 1 ; j i i ' l \ 1 Ai \ _ . \ \ i - \ BURNED «'\ s / 0 / W / <? 1 \f ( 3 :it" o - >o 1 l ; 0 0 0 1 0 • .i V 1, t o0 0 n i 1 1 1 ! 1 0 7 i / o\ s \ ! xini< X • -iL T ——— 7- ^ / / • < PEIONC B'O .1 CASH CD CREDIT^. PAYMENT INCLUDED $ TOTAL VOLUME — rx *«*• ———— rr^tV- ! !/ . ' &V/ ———————— jiff*! - — ; <7 , i i£V/- / —————— t TOTAL 5ED II GREASED ^ UNIT PRICE /V^A ^m CHARGES i- / tsijt. . ~r- 31,-sc /^•3$ <r/^>x ——— r HbW— ~~* <^# /• 1C DROILEollcONTAMINATFnll uicciwr; ,~AOC- : —— ——————— =i NO EMPTY TANK AVAILABLE AT PICKED UP POINT TRUCK DRIVER DID NOT HAVE TIME TO COLLECT THEM WERE NOT ACCESSIBLE TO TRUCK DRIVER OR THE TRUCK • ————————— : ————— ____ .. LT *D LI •IS IS TO CEHTlfV THAT ItJp AflO'/E NAMED MATFRIAI S Anr Pnorrilt V ClAMinn' THIirO I'ACKAGri) UAMKf |) AMD I AUtlEU AND ARf IN fnOITH CdNOlMOW lO'I U ,H I AllUU ACUO^Cinn 1^ TUF AP^r ir A m r. nrs-..,.-,-..-'-- - / OTHER REASONS SERVI$TAR. ANTILLES OVERSEASS§j|^^fe^ •. ^_ ., HOUSE & HOME ' '' • ^:.> V^$$$j^CCB\n1^TAB ....-.-« cv „ ^nppmQ.C^^^^^ffWMn^ (809) 775- email RAMSAY MOTORS 495 ANNAS RETREAT ' BRUSH, BLACK BRISTLE GLOSS WHITE 1/2PT flHTl- THAWS Foil SHOPPING HJUSE t HOME HE APPRECIATE YOUR ..VA———^_________ RECfelVEO IN GOOD CONO.1.5-N BY R ^00115 VENTO DISTRIBUTORS CORPORATION CALLE F NO, 40, AMELIA INDUSTRIAL PARK, GUA^NABO. P.R. 00965 PO BOX 363051 SANJUANJ •....'... , TEL. 783-1074- FAX ( i r J VVOKING '^^g^^ ••^yy RflMSRY MOTORS INC. 405 RNNflS RETRERT ST THOMOS VIRGIN IBLflND ROMSRY MOTORS INC. 405 ONNfiS RETREflT ST THOMOS VIRGIN ISLRND 06 >1KD1£0 Rl£ 1£50£ S££77 6156 06/£6/3£ £0 5 £ 5 4 i 30 DRYS NET BOMBILLRS HRLOGENO PRO MET FORD PRO MET TEMPO GRS FREON 1£ oz. IGLOO LIQ.FRENO CRSTROL l£/l£oz SILOO-BRRKE CLERNER 19 oz TOTRL UNITS 8. 30' 10. 95 11.£5i IB. 95 £0. 50 Thank You! Your Patronage is Aoorec.ialed. >\ 166. 00 54. 75 56. £5 ££0.00 37. 90 10£.50 ue - :p IN GOOD CONDITIONS DY^ ^f^ A / ' D A T E A U T H O n i Z K D •|Oy?ATVnB 1 MO. l u A V ] VR. PLEASE k PAY THIS A AMOUNT V 637. 40 orO DISTRIBUTORS CORP. Ave. De Diego 321 Puerto Nuevo, P.P. 783-1074 -.-# 9 Veedol rcinw KOBE i / I'^IIH^tA^ Fcclia ' 1—^ \ 0 T<UAA/] &£' (U,{ /YlffW^ ' €& CUST. / , __/• NO. Or? / o r^ ^ — i — i — -^ . i ~"^ ——— • " ' s~i i _ ' i \ • ^i r i r \ "S J K^x ITIOAO NOIDO 5* ' 1^1 2> — * ~~~ ^- -\ CANTIOAO ENTHEGAOO • PIE2A NUMERO ,5"0 A £?3»3>. J O \ £>O &P (2.11 rviu'io jio M00 II OESCRIPCION Mci^e cfottoj.!^. ^^^-^^^ C^l.C'ioLf'AA.viT' <X^ c^vLfvxcM cxXL- 2m CD, ^ |-v2i)^,. f- CJI^C-J. Jl-;lf,U- *^ ^OO <-, A <r:v c^r? ^^ " ^ s 4 , ^ PRCCIO 3 — tf.Xo 3<P™ //. 4? /<?.<?J" /c?.9r 000 IMPOHTE ' 117 , .., -Carbonless VENTO DISTRIBUTORS CORPORATION CALLE F NO. 40, AMELIA INDUSTRIAL PARK. GUAYNABO. P.R. 00965 PO BOX 363051 SAN JUAN PR 00936-3051 TEL 783-1074 - FAX (809) 792-0774 IPAMK PLU9X WOKING -/^TW^TO^^ ' ••••'-• • ROM': ••*K'I ::» '•.i •> •- 1 :i RI • f-lY ri.QTGRS INI'. r IN IMP-l 3 RET RE HI 'HO WHS • IN TBLP-1ND RHIMGHY I'lGIGR!, INT. 'ltf5 HNMf-iy M: f REd 1 ST THQMOSj VIRGIN ISLAND - ^.^r-v.-^ K^.^-fjjT'f ni^'f ^^jws^i i-rF? w'JV? iXifL 1 i/y.:ji^67 1 1 f^V^!iV>--.-.-r;.^ f^^J^^Ti^^-m^'J^iM^-!- ':.'••'• '::-' "-;- •' "\ 1 I •££$?. -iT^'^'-r^;^^ : ••/:..• .IB ' £« PIBRf-rZftDERAB DE MPNGRS . c'3 '..i-i/i ^1 i/i ;::'0 P^BRPVZODL'RHS DE MHMGHS . ,v'3 i.. r. i. li'i i f,i/iBP 1. PRMGROL.L Si? 01:. 12/1 A 7 . :::,Ci V/ .. '.a-. nKE CLEHNER r-1 RENETRPlNTE rJ o:;. TOTRL UNITS ESTHREMQS CERRHDG DIG. 31 V ,:.! ENERG •K- -K- K- * K- -K- •»!• -K- >• -K- -X -K- K K- K- >r * > K * <PRGSPCZRG 1993) ,^-f. C I V C D IN GOOD CONDITION) BY: ' ° » T tt PLEASE PAY THIS AMOUNT Thank You! Your Patronage is Appreciated. ^^001.18 VENTO DISTRIBUTORS CORP Calle F No. 40, Amelia Industrial Park (Sector Buchanan) Guaynabo P.R. 00965 • Tel.(809) 783-1074 • Fax: (809) 792-0774 eedol WOKING -—— >*• r/g/ FecK P. 33> 69 i h rV 3. > . oc 000119 TUT 003 2342 '/TV • H T- CARIBBEAN HYDRO-TECH. INC. P.O. BOX 2070 • KINGSHILL • ST. CROIX • U.S.V.i. 00851-2070 (809) 778-6551 • FAX 778-5375 Attorney Jack Dema Esq. April 15, 1993, 1236 Strand Street Christiansted, St. Croix U.S. Virgin Islands Re: Four Winds Test Well Logs Dear Attorney Dema, Enclosed you will find copies of a description of a shallow PVC sump ("WO Well") installed and well logs for test holes drilled on Four Winds Plaza Partnership Property (Four Winds Shopping Center) by Caribbean Hydro-Tech, INC. >;CHT) duuing 19S2. WO Well was installed in the alley on the north side of the Splash and Dash Car Wash. MW 1-4 are shallow wells drilled to less than 30 feet around the northern, western and southern perimeter of the Tutu Esso Service Station. Deep Test Well #2 is located east of V.I Furniture. Deep Test Well #1 is located south of the Splash and Dash Car Wash near the sidewalk. Please contact me with any questions or comments. Sincerely, Bruce K. Green Vice President TUT 003 2343 CARIBBEAN HYDRO-TECH. INC. P.O. BOX 2070 • KINGSHILL • ST. CROIX • U.S.V.I. 00851-2070 (809) 778-6551 • FAX 778-5375 Ric h Smi t h >.aw Officer, of John K . <* T' A - 4':', S t v a r i<j S treat. ' '"- is'. iarrsted , St . Croix 3/26/91 ? '• Meet in-:: at Tutu "Splash and Oash" i Marc I; 21, 1991, Rruce Gree ,HT ) met w i t h Rich Smith and 111 o t r u c t i o i": oite. T h e p u r P ~ .>ii located approximately >rner of the new cistern by The f. o r: t r a c t o r s r. t a t. e; d ' . " C' i .1 T.a t u -.' ,-• t ed a r ea " wh i. 1 • • .•j n o t i c e a ID 1 c rat e a nd " rn a P -TV ice Station t. hat boi der . . h ink was : -. :p'...'i ts-ibly di airied, whi '<.- - i o 11- ' w a :.; bU i i I a II(J Lja«.. r, ' .. Ulash Caribbean Hydro-Tech , INC. or the rav ,-jarh at the o zone of contaminated surface at the northeast of 1 he soil for analysis. . s. Monda/, t h'-v encountered T !-,,-. ;otified an, was ooz n< On J'.Jay , March 21 , the ;-••-] ^.IIDK- i i i -'m o i l " saturated zont ap|M ,jx ima tel y >ticeable i r; the soil near the corner of the c irface and extending laterally for the full ex very strong petroleum odor was noted and any >i1 increased the smell. Marcella Jennings of iboratoiy was contacted to analyze soil sample ;t.,j the "oily" zone approximately 10 inches. :erilized jar , cooled and shipped for volatil ••'drocarbo: analysis. As of this date, no anal .-' a i 1 a b 1 e . <EI r-,»jif«r U.)Au_ The Esso an underground consi derably. i nd L ; :1 visited t he site o n e foot w i d e ; s t i 1 J. icto-rn, six feet below land tent of the excavated area. d i s t. u r b a n c e o f the saturated Caribbean Safe Water s. A hand auger was driven The sample wcrs- placed in a e organic chemical and y t i e a i results were V'P' JL AT Innovative Water Systems TUT 003 2344 MW-1 LITHOLOGY LOG 0 Land larlac* 10' 20' 30' 40' 0-2' till 2-3' hard (boalder?) 3-4.fi' fill 5-10' tan to brown natural loll SSffl 10-16' tan to brown natural toll 13.6-16' 83*2 17* formation chaug* to hard 19' bard — bit d*itror*d 20-24' no r«tarn 24-28' v«rr bard 28.6' ••! caitng WITH OR TUT 003 2345 MW-2 LITHOLOGY LOG Land 10' 20' 30' 40' 0-4' 1111 boulderi, no ralarn 4-6' hard 6-9' toll, easy drilling, no r«larn 9-10.6' 9-14' clay 14-16.6' S3#2 14-19' SS*3 (with odor) 19-24' w«l with slight odor 24-29' chang* to tan clay; slight odor 29-29.6' S3#4, soil water InUrlaco 29-34* begin hard drilling, 32' 36' to hard to drill ru 2346 MW-3 LITHOLOGY LOG Land inrfac* 10' 20' 30' 40' 0-4' r«ddlib-ian toll (fill?) 4-9' tarn* 0-14' 14-16' tarn* 16-19' bll chatter, vary hard 20' eon 20-20.6' 33. 20.6-24' very little recovery 24-24.6' S3. 24-29' ar»«nl»h-gray gravtl with •andy clay 29-29.6' 33. 29-34' gr06D-aray Bandy clay 34' bit chatter. DO recovery TUT OO3 2347 MW-4 LITHOLOGY LOG Land 10' 20' 30' 40' 0-4' moiliy mi, hard at 2' 4-9' hard drilling 9-14' gray to rsddlih brown clay 13-14' reddlih brown clay 14-16' raddlib tan clay. S3. 16-19' graf-gr*«n clay 19-19.6' S3. 29' tlop drilling TUJT 003 2348 Gassett LITHOLOGY LOG .. ,^_. o .' ." • tf * 1^*^^ 'Bfi Land mrface 20' 30' 40' 0-4' Qtttj-gtumu clay wllb p«bbl«s 4.C-6' 93. 4-9' tarn* 9-9.5' 33. r«d clay wtlb land 9-14' tame 13' Iraclarsd rock 14-16.6' 33. lractor*d rock 14-19" r«ddlib brown clay 19-2Q.6' 93. 21' hard 24-26.6' S3. fractured rock 24-29' fractured rock 29-30.6' S3. 29-34' lame 34-36.6' S3. 34-39' fractured rock 39-40.6' S3. 40-48' very hard Iractared rock 44-44.6* 39, TUT O03 2349 WELL AND DRILLING LOG DEEP TEST HOLE 1 4W-4 H t>m_Lnrtv - 6 green, clay Ilk* and 1111 none - 10 reddlih brown to green lome ciay rite * 8 1 0 - 2 5 redd lib brown native moiit dry rod heavily <r 25 - 32 - 42 - 30 c'*»n rock; formation heavily l'-3/4* chano* 32 40 52 62 - 62 clay color to r*ddlib 62 - 82 92 - 102 106 - 124 118 - 119 124 - 131 131 - 134 134 - 144 heavily very little •ome vliable pr*t*nt larger tban above -I' major. dry damp 1-2 0pm (5 60 apm l*n than above preienl pretecl ' 30 gpm TUT O03 235O WELL AND DRILLING LOG DEEP TEST HOLE 1 11 thnlnrrv f rrrrrt Trr 0 - 8 - 10 - 26 - 30 - 32 - 42 - 8 gr«*&, clarilk* and fill none j 10 rtddiih browa to ?r»»n tomo ciay ii t» 26 r*ddl«h brown nailv* hoavlly <!'! rock 30 ar«»n rock, formation b»avily l'-3/U change r 32 40 52 62 - 62 clay color to rsddlih 62 - $2 92 - 102 106 - 124 118 - 119 baavlly v«ry 111110 tome vliable present larger tbao above -1- major 124 131 134 131 134 144 leu than preaenl present above mpiit y d •2 t mp pm <S i pm jpm frpm WELL AND DRILLING LOG DEEP TEST HOLE 2 rfanth 0 - 1 0 FILL; HARD » 4 FT 10 - 20 VERY SOFT NO RETURN 20 - 30 WEATHE^ff^ATERIAL iiSS^S^S?::^? mmmmm® 30 - 40 40 - 60 60 - 60 60 - 70 70 - 80 80 - 84 JU - 04 94 - 104 104 - 124 SAME AS ABOVE PROD ICI 2 o pi INCREASING WITH DEPTH HARD ALTERNATING ZONE BROWN STAIN ALONG FRACTURES POSSIBLY THE SAME N ) H I I P R D E Uc4 M "ER ION TUT GO 3 235'.:'' FF,;;-, T: 19097^3^944 p.02 CERTIFICATION OF ANSWERS TO REQUEST FOR INFORMATION State of New Jersey : : SS: County of Essex : I certify under penalty of law that I hav« personally examined and am familiar with the information submitted in this document (response to EPA Request for Information) and all documents submitted herewith, and that the submitted information, to the best of my knowledge and belief, is true, accurate and complete and, to the best of my knowledge and belief, all documents submitted herewith are complete and authentic unless otherwise indicated. I am aware that there are significant penalties for knowingly submitting false information, including the possibility of fine and imprisonment. I ajn also aware that I am under a continuing obligation to supplement my response to EPA's Request for Information if any additional information relevant to the matters addressed in EPA's Request for Information or my response thereto should become known or available to me. ANTHONY T. CQLASANTI________ NAME (print or type) ATTORN Sworn to before me this 1st day of June, 1993 7 Notary Public ELIZABETH D«l N«8« NOTARY PUBLIC OF NEW JERSEY tty CMMUSS.M Expun Aug. w, 1935 FOUR WINDS PLAZA PARTNERSHIP'S THIRD SUPPLEMENTAL RESPONSE TO UNITED STATES ENVIRONMENTAL PROTECTION AGENCY REGION II REQUEST FOR INFORMATION 11. Identify the location of each of the following on a plot plan of the facility, to scale, if available: b. all outfalls and discharges; SECOND SUPPLEMENTAL RESPONSE TO # 11. b. Attached is the water quality data report from monitoring wells, production wells and other sub-surface locations at the Four Winds Plaza in St. Thomas. In the appendix are additional sampling analyses from the Gassett Test Hole and the Harthman Wells. Included in this report are tables summarizing these results, a diagram indicating the approximate location of the sampling locations and copies of the complete laboratory analyses. Also attached, under separate cover, are the well logs for the four shallow and two deep monitoring wells installed by Caribbean Hydro-Tech at Four Winds Plaza. Included in this information is the well log for the shallow monitoring well installed at Gassett and a description of a shallow PVC sump installed in the alley between the car wash and Esso Tutu. TUT OO3