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Home My WebLink About94-01985 cv (... . - Q.. & Q.. C- o t ~ J @ -=- ~ ZE ", ::J> C") co - "" ..:tc ..$c> 1 ...(. ~~ ~ 8 D t!) ::r 'iF _ <~..' 0 '. ..r <;1 R. ') U) V) ::r ~ ~- .:;,.. ~l "- I ~,...r. ti~') .~~r _:.I/:.... '_ ,14. (''''l f,J;f :::l~~ ~~ ;I,:'.;~~~ :: ;.';;:t; 1-.'1:4.. ,~ :::> 0(.) \ I I r- a rC) fa '::jl ~ . TOU AlII HUf BY _lQU,lttD TO 'ILl A WltlfUH 1tf'\'OHSl .0 1M'- (NCLOsto WI'"I'" hUH" 1101 PUS nON IUVICE It! ftCO' 0" " JUDGI'4[HT NAl It ["'rnn AU"HST YOU. ., DOUGLAS, DOUGLAS & DOUGLAS '1'" <l5 r<') cr- ~ ':II. ~ ATTonNU5 AT LAW , . " W IHO" .,l1l:r, ,. 0 eo_ If.' WE DO HUn, CUTI" THAT THt WITHIN IS A Tf\U[ ANDco."reTCO" 0' THE ORIGINAL 'ILIa IN THIS ACTICN. ""O'N['( DY A nOltNCY ,';'1 GEORGE F, DOUGLAS, JR. ATIY, 1.0, # 06270 DOUGLAS, DOUGLAS & DOUGLAS 27 WEST HIGH STREET P.O, BOX 261 CARUSLE,PA.17013 717-243-1790 ATIORNEY FOR PLAINTIFF HARRY ELMER CUPP and : IN THE COURT OF COMMON PLEAS OF JUDITH L. CUPP, doing : CUMBERLAND COUNTY, PA. business as CUPP AUTO SALES : : CIVIL ACTION. LAW V. EMPIRE FIRE AND MARINE ; NO. 9'-1-/9 85C1VIL, 1994 INSURANCE COMPANY and MARYLAND CASUALTY COMPANY : ACTION FOR DECLARATORY JUDGMENT NOTICE You have been sued in Court, If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by attorney, and filing in writing with the Court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so, the case may proceed without you and a judgment may be entered against you by the Court without further notice for any money clairned in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you, YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. Court Administrator Fourth Floor Cumberland County Courthouse Carlisle, Pa. 17013 717-240-6200 DOUGLAS, ~~& DOUGLAS By ;~ ~ Attorney for Plaintiff COMPLAINT COUNT 1 HARRY ELMER CUPP and JUDITH L, CUPP, doing business as CUPP AUTO SALES V. EMPIRE FIRE AND MARINE INSURANCE COMPANY 1. The plaintiffs, Harry Elmer Cupp and Judith L, Cupp, doing business as Cupp Auto Sales, have a place of business at 5 Hickory Lane, Mechanicsburg, Cumberland County, Pennsylvania, 2, The defendant, Empire Fire and Marine Insurance Company, has a place of business at 1624 Douglas Street, Omaha, Nebraska 68102-1449. 3, As of November 8, 1993, the plaintiffs were engaged in the business of buying and selling used cars. 4, On November 8, 1993, the plaintiff, Harry Elmer Cupp, was attending an automobile auction. 5, The said Harry Elmer Cupp saw a 1989 Cadillac, owned by Robert L. Coniey and Anna Mae Coniey, doing business as Coniey Motors, which Harry Elmer Cupp was considering buying. 6. Harry Elmer Cupp borrowed the said Cadillac to test drive it, and to get Judith L. Cupp's opinion on buying the said Cadillac for their business of Cupp Auto Sales. 7. While operating the said Cadillac on U.S. Route 15 in Carroll Township, York County, Pennsylvania, Harry Elmer Cupp collided with a vehicle which Holly J, Gerberich had abandoned on the highway, after making an illegal"U" turn, which caused an earlier collision. 8. The said Cadillac, being driven by Harry Elmer Cupp, was damaged beyond repair, 9, The defendant, Empire Fire and Marine Insurance Company, has refused to provide a defense and coverage to the said Harry Elmer Cupp and Judith L, Cupp, doing business as Cupp Auto Sales, in the suit brought by Robert L. Conley and Anna Mae Conley, t/d/b/a Conley Motors, to No, 94-5U-06401-o1 in York County, Pennsylvania, r~T'>"'-"" '>.,~g'l$.'t.1;,~ 10. The defendant, Ernpire Fire and Marine Insurance Company's, policy provides in part: "A. Coverage" "'Garage Operations' - Covered 'Autos,'" "We will pay all sums an 'insured' legally must pay as damages because of 'bodily injury' or 'property damage' to which this insurance applies, caused by an 'accldenl' and resulting from 'garage operations' involving the ownership, maintenance or use of covered 'autos'...." "Description of Covered Auto Designation Symbols"... Hired "Autos' Only. Only those 'autos' you lease, hire, rent, or borrow...," "Non-owned 'autos' used in your garage business. Any 'auto' you do not own, lease, hire, rent or borrow used in connection with your garage." WHEREFORE, Your Honorable Court should order that the plaintiffs are entitled to a defense and coverage with the defendant, Empire Fire and Marine Insurance Company. COUNT 2 HARRY ELMER CUPP and JUDITH L, CUPP, doing business as CUPP AUTO SALES V. MARYLAND CASUALTY COMPANY 11. The allegations of paragraphs 1 and 10 of this complaint are incorporated herein by reference thereto. 12, The defendant, Maryland Casualty Company, has a place of business at 5070 Ritter Road, Mechanicsburg, Cumberland County, Pennsylvania, 13. As of November 8, 1993, Maryland Casualty Company insured Robert L, Conley and Anna Mae Conley, t/d/b/a Conley Motors, the owner of the Cadillac involved in this cause of action. 14, Harry Elmer Cupp was driving the said Cadillac with the permission of the owner. DOUGLAS, DOUGLAS &: DOUGLAS 15, If Harry Elmer Cupp is liable for the property damage to this Cadillac, which he did not own, the Maryland Casualty Company owes him a defense and coverage for this property damage, WHEREFORE, Your Honorable Court should order that plaintiffs are entitled to a defense and coverage with the defendant, Maryland Casualty Company. By ~k~t2 Attorney fo Plaintiffs h:.~:;:_...~;,",,,,",~~.,, :. - , " COMMONWEALTH OF PENNSYLVANIA ) : 55. COUNTY OF CUMBERLAND ) Harry Elmer Cupp, being duly sworn according to law, deposes and says that the averments in the within complaint are true and correct, to the best of signer's knowledge, information, and belief. Sworn and subscribed to before me this /f day of April, 1994. ,~ --rv, () ~ Notary N..;.lIIaJ Seal AmeM,(:~ 'lc8y1'l.tlllc ClrI!lllIIlOIo, c..,~1d C<u1lV MyCommis6lOnE>,. :.uy14.11l97 .,..'~' SHERIF'F"S RETURN CC'M'1ONWEAL'll1 OF' PENNSYLVANIA: COUJIrI"f OF' ClMBERLAND In The Court of Common Pleas of Cumberland County, Pennsylvania No. 94-1985 Civil Term Complaint Action F'or Declaratory Judgment and Notice Harry Elmer Cupp and Judith L. Cupp d/b/a Cupp Auto Sales VS Maryland Casualty Company Michael Barrick ,X~K~or Deputy Sheriff of Cumberland County, Pennsylvania, who being duly sworn according to law, says, that he served the within Complaint Action for Declaratory Judgment & Notice upon Marvland Casualty Company , the defendant, at 10:25 o'clock A .M. >flGll' / EDST, on the 20 day of April , 1994 at 5070 Ritter Road, Mechanicsburg , Cumberland County, Pennsylvania, by handing to Kevin Finn, Adult in charge of Litigation a true and attested copy of the Complaint Action for Declaratory Judgment & Notice and at the same tUne directing his attention to the contents thereof and the "Notice to Plead" endorsed thereon. Sheriff's Costs: Docketing Service Affidavit Surcharge 14.00 7.84 2.00 23.84 Pd. by Atty. 4-21-94 So answers: r~~~ Sworn and subscribed to before Ire R. Thanas Kline, Sheriff , .-; by ~Y-P~/ Deputy Sheriff this tI- .J ? - day of .J:!fd 19 q'l A.D. Ch"- 0. )u,tp___ Prothonotary ~. , IN THE COURT OF COMMON PLEAS OF CUMBERlAND COUNTY, PENNSYLVANIA HARRY ELMER CUPP and JUDITH 1.. CUPP, doing business as CUPP AUTO SALES NO. 94-1985 CIVIL . . vs. CIVIL AcnON -lAW EMPIRE FIRE AND MARINE INSURANCE COMPANY and MARYlAND CASUALTY COMPANY AcnON FOR DECLARATORY JUDGMENT PRAECIPE FOR ENTRY OF APPEARANCE To the Prothonotary: Please enter the appearance of Robert J. Stewart, Esquire, and Barley, Snyder, Senft & Cohen on behalf of the Defendant, Empire Fire and Marine Insurance Company, in the a~ve-captioned matter. . BARLEY, SNYDER, SENFT & COHEN By Ro rt J. Stewart, Attorney 1.0. #074 Attorneys for Defendant, EMPIRE FIRE AND MARINE INSURANCE COMPANY 100 East Market Street P. O. Box 15012 York, PA 17405-7012 Telephone (717) 846-8888 May 3 ,1994 ~ en - "'--, ~,.. _I ~: ~~; ..;~t ~':I:';~';': I.. ot.....~ -':..-.,.. "-, . ....UI .. ....-- ;;,.r _:..1 :-;>"- >- .> ~ ~.<-~ :c 0_ .... N !:::::! -::- ~ f~.....,..,.'--"ot<-C<t'-"""'>"'~"'r""'.i~- ~_'.';. -', '.. -: <>. "~:-'l'".",>,,! . . . .:-:.,,,",~-:-.,'. -"... . '.-- ." _...; T . POST & SCHELL, P.C. BY: ALLAN C. MOLOTSKY IDENTIFICATION NO.: 28923 1800 J.F.K. BOULEVARD 19TH FLOOR PHILADELPHIA, PA 19103 (215) 587-1000 ATTORNEY FOR DEFENDANT MARYLAND CASUALTY COMPANY HARRY ELMER CUPP and JUDITH L. CUPP, d/b/a CUPP AUTO SALES . . COURT OF COMMON PLEAS CUMBERLAND COUNTY . . . . VS. . . . . CIVIL ACTION - LAW EMPIRE FIRE AND MARINE INSURANCE COMPANY and MARYLAND CASUALTY COMPANY NO. 94-1985 : . . ENTRY OF APPEARANCE Kindly enter my appearance as counsel for defendant, Maryland Casualty Insurance Company, in the above-captioned matter. POST & SCHELL, P.C. /thGtl.... ,.(,t~_e~ MOLOTSKY, ESQUIRE FOR DEFENDANT, CASUALTY COMPANY ALLAN C. ATTORNEY MARYLAND - ,.""' ~'~"_""""._'".,w' . ...-......",.., e; - ::c: - ..( =r N en ;'.>-, J...... ..~ r t ,.1 U' ,., :: {~ :~. .~ , .. ..: ~" ..... c-.l ," ,.... .. = ~ " ~, . , ..t. -..... POST & SCHELL, P.C. BY: ALLAN C. MOLOTSKY IDENTIFICATION NO.: 28923 1800 J.F.K. BOULEVARD 19TH f'LOOR PHILADELPHIA, PA 19103 (215) 587-1000 ATTORNEY FOR DEFENDANT MARYLAND CASUALTY COMPANY HARRY ELMER CUPP and JUDITH L. CUPP, d/b/a CUPP AUTO SALES . . COURT OF COMMON PLEAS CUMBERLAND COUNTY . . VS. CIVIL ACTION - LAW EMPIRE FIRE AND MARINE INSURANCE COMPANY and MARYLAND CASUALTY COMPANY NO. 94-1985 ANSWER AND NEW MATTER OF DEFENDANT MARYLAND CASUALTY COMPANY TO PLAINTIFF'S COMPLAINT 1. Denied. After reasonable investigation, answering defendant is without knowledge or information sufficient to form a belief as to the truth of the allegations contained within the corresponding paragraph of plaintiff's complaint. 2. Denied. After reasonable investigation, answering defendant is without knowledge or information sufficient to form a belief as to the truth of the allegations contained within the corresponding paragraph of plaintiff's complaint. 3. Denied. After reasonable investigation, answering defendant is without knowledge or information sufficient to form a belief as to the truth of the allegations contained within the corresponding paragraph of plaintiff's complaint. 4. Denied. After reasonable investigation, answering defendant is without knowledge or information sufficient to form a belief as to the truth of the allegations contained within the ~ ,~ corresponding paragraph of plaintiff's complaint. 5. Denied. After reasonable investigation, answering defendant is without knowledge or information sufficient to form a belief as to the truth of the allegations contained within the corresponding paragraph of plaintiff's complaint. 6. Denied. After reasonable investigation, answering defendant is without knowledge or information sufficient to form a belief as to the truth of the allegations contained within the corresponding paragraph of plaintiff's complaint. 7. Denied. After reasonable investigation, answering defendant is without knowledge or information sufficient to form a belief as to the truth of the allegations contained within the corresponding paragraph of plaintiff's complaint. 8. Denied. After reasonable investigation, answering defendant is without knowledge or information sufficient to form a belief as to the truth of the allegations contained within the corresponding paragraph of plaintiff's complaint. 9. Denied. After reasonable investigation, answering defendant is without knowledge or information sufficient to form a belief as to the truth of the allegations contained within the corresponding paragraph of plaintiff's complaint. 10. Denied. After reasonable investigation, answering defendant is without knowledge or information sufficient to form a belief as to the truth of the allegations contained within the corresponding paragraph of plaintiff's complaint. 11. Answering defendant incorporates its responses to -2- ,-,. ."........-...... ... .. , paragraphs 1 through 10 of plaintiff's complaint as though the same were fully set forth. 12. Admitted. 13. Admitted in part/denied in part. It is admitted that, on November 8, 1993, Maryland casualty Company issued a commercial garage policy of insurance to Robert Conley and Anna conley. However, it is denied that Maryland casualty company provided coverage to conley Motors. Rather, the policy provided coverage to conley Enterprises and to Robert and Anna Mae conley t/a York springs Auto Auction. As to the remainder of the allegations contained in the corresponding paragraph of plaintiff's complaint that Conley Motors was the owner of the Cadillac involved in the accident, after reasonable investigation, answering defendant is without knowledge or information sufficient to form a belief as to the truth of that allegation. 14. Denied. After reasonable investigation, answering defendant is without knowledge or information sufficient to form a belief as to the truth of the allegations contained within the corresponding paragraph of plaintiff's complaint. 15. Denied. This is a conclusion of law to which no further response is necessary. By way of further response, it is denied that answering defendant owes plaintiffs any defense or coverage. NEW MATTER 16. Plaintiff's complaint fails to state a claim against answering defendant upon which relief can be granted. 17. Maryland Casualty Company issued a policy of insurance, -3- '" ." including commercial garage coverage, to conley Enterprises, under pOlicy no. EPA18214248 with a policy period running from February 4, 1993 through February 4, 1994. A true and correct copy of the applicable commercial garage coverage is attached hereto as Exhibit "A". 18. Under the aforesaid policy of insurance, plaintiff is not either a named insured or an insured. 19. Under exclusion B(6) of the aforesaid pOlicy,there is no coverage for "property damage" to "property owned, rented or occupied by the 'insured.'" 20. If plaintiff is an insured under the policy of insurance issued by answering defendant, coverage is precluded since the "property damage" was to property occupied by the plaintiff at the time of the accident. 21. Exclusion B(6)(b) provides that there is no coverage for "property damage" to "property loaned to the 'insured'." 2~. If plaintiff is an insured under the policy of insurance issued by answering defendant, there is no coverage since the motor vehicle being operated by the plaintiff at the time of the accident was "property loaned to the 'insured.'" 23. The 1989 Cadillac in question is not collision coverage under the policy of insurance answering defendant. 24. Plaintiffs have other sources of available to them, which provides coverage precluding coverage under this policy. insured issued for by primary insurance for this claim, -4- ;.-,- - .. .. . 25. Plaintiff has failed to join a necessary party to this action, namely Robert Conley and Anna Conley d/b/a Conley Motors, plaintiffs in the underlying litigation, thereby precluding this action from going forward. NEW MATTER DIRECTED AGAINST CO-DEFENDANT 26. If answering defendant is found liable, then co- defendant, Empire Fire and Marine Insurance company, is solely liable to the plaintiff or jointly and severally liable to the plaintiff, or liable over to answering defendant, or responsible to answering defendant under an indemnity or contribution theory. WHEREFORE, answering defendant requests this Court to dismiss plaintiff's complaint. POST & SCHELL, P.C. L ,(kt~. .<.!,-D:-(!7 ALLAN C. MOLOTSKY, ESQUIRE ATTORNEY FOR DEFENDANT, MARYLAND CASUALTY COMPANYl -5- "" ,- EXHIBIT "A" " , " .. .... . '1," !" ., ' ,.. h, .... . ~ ' ' ':' .Ii :. .', -. '~" . r '" l'.,' '" " . . ' ~~\' 'eti '.' . :MIE'El\CIAL 'IN,S:URANCE '."I:;:f."'~~J;I~;'t'5ft . .~ k~...:ir~~'i(~,~\;~.:!i, "Q'~' "LI"'CY' '1'" . .. .; .;~ ."" "'~' ',::';"._'. . _....;~'"'~~,.1,5~ _.'f"~'-::' " " :. . !'v....';. l.~ . .', .&.l~tf.:~..._",>.,: .,~...,.:.f -r"_! .f'.....'- ,,". ;. . '?')"''''........ ~"'. _. '" \ I (i /" 'c' ,". "-,.>, ' , .,.,-' ~~ ''',' .,' ,,' ' , .' /,1\; _." ._ ' "~' t ..~ ,':~ " '''', . <'.:' ~1' f^. ..L, t. , . I!' ' . . ,....,'). . . I\~ ~"i,J,1. ' '~\1 ";l~~' ~\t .'.. .. 'l.l~' "~.:.;.:..; ~ ,,,'. . .' .' ',,~ :-It:'~~. ,fl1. G \'~~ . "....~,~.,.ttlt, . ;,y( . ,." . . '. ~~"'..~1r;'4~t..~,.,." ot.....,.t.~,.~.,,'.,... 'J, ~~.. .' " ': 'ti\t'" ,,..~,~. ' ," ,.'~ <"1'" ~ ij-.........' ~.i\." ~l~" ,," 11... H. 1.~ .<<iI to . '''tlt. "w. ~''\,..~:.. "" ".t- '. -, .. f r.:~. '.. ,~ ,.',.'<. ,..-"~..;tf!~ r, ,_ ' u.., ~." . -, ,J.., , ", '. "'I V " ".;' ~,,''''.' ~ ~ ,f..' '" <:;~ ' . . > . ,-.,*,,";11'. . '" . ;- .....,6 ,. .... '.. '.1 -:' r I, 1 '.. , _)opl :0)' . .....V'..... " ' ?~. i. . . . ..0('. i _~~ .... . .... r' ~,~:"~':' ',> .~ ~'~- "'~" .:A!, (,.-'. ' ,;t. .. ,....,.(.,<;<!\l.,. :-,/:'" .r.', ,..'t.'; )'.. ,1ft...,:." : "'~l" -~. ,.,1 ~~ftl"'" '..r\.' . ~. '. . ." I" ...~ .. ' . '.. '" 'vA' .,i:f*' I (' ."..':y.,..,~'..."tli,,~,f"'....JI1 :..' , ~.;,..Y '~\.:{..:~",," '.~. .' ,.',i.I...:..~if.~,'.. '.. .-. :1;', ; I:'~ ..~ ~}:t\';~', ,; ":IM':"~~ '~ ",...r..'1 .': ~'.!I>..\;,:~~ .:: ~.7'~'" t, ,; 'Jro ". :;'t ....If'i .~ ..- '!.' '.""'~"';{.~. '. ....! ~ .~"'. ,'" ~, " ..!'I.!.i......~ .~... . ..'Ji' ~.,.," ~." "",,,"..lI ;.....~: ..' .r.".t-I~i~: '..l":1-:t:'''' :.. , ,'''1''' ..t-l......:"'tl-~~I'. .,JO;~.~".iI,. ,~.,'\(~l.... "';,..:.'1!U' ,"'.. ,\",,'~'i~'" '.. . '". ';,'.... -.. .~t...I... .... . ',t. - ~'.J... " . .~. ,\'-""4((' ~. 'l~';"~" ,.'. ~T'~...: ,'.' I; t':"t .Y ~ . ',' ," \1: .:. ....... ......."'.~ of ..... ,u '.." , "r..". . t..,. . .' . ~. :-. I ~. ""~ -~.,r... t'k;" .' "'.': .,....,:t!f..... ~~ J ~'.....:':;A,:; :"~ ",' .,:,.~~.fl,~~~NP~~~~,~.'AL:~Y{j~~O~p~~y;;.,>~:','., ;' ,.t:f5~:" .~\ ;::;:~'~BAtTIMORE,. MARYLAND 21203 ': .' " "",'.' ~:, ~:':..~:~~.;!'- .:.t. .:. ..... ~": " . , . .,' ,: ... ,'. . ',' .~. ... ,; . . ".". NORTHERN INSURANCE COMPANY OF 'NEW YORK ",'.,NEW YORK, NEW YORK 10038, ,,' .....~ : .' -~ \~" ,; ,.,', )l,i. " "..;' I . ~ .. .:.......i, I h~.:'(',':' C1arti~y thet t.h1s .- '" -- 1", r.'. ~'."'" .:~,u Ol't~1.ot. cOP3'~:t..... Poli('~' if ffJR /J'~ I 'l.;;I.7..4 ,~/I~~w ,., , . .U85' Rh. ",-00 .' ,. PO Y NIIMBE, EPA16214246 PROOUCER L ,ER 0c:llloll1329 ACC~...NT NUMBER 000'::29270400100000 000000000-001 PAGE 1 016-HARRISBURG MARYLAND CASUALTY COMPANY .A STOCK COMPANY BALTIMORE , MD 21211 NEW BUSINESS AUDIT CODE: 4 E&SS SIC-S012 COMMON POLICY DECLARATIO~ THIS COMMON POLICY DECLARATION WITH COV~RAGE PARTS AND ENDORSEMENTS, IF ANY, ISSUED TO FORM A PART THEREOF, COMPLETES THE ABOVE NUMBERED COMMERCIAL . INSURANCE POLICY. 1. NAMED INSURED AND MAILING ADDRESS: CONLEY ENTERPRISES <SEE NAMED INSURED ENDT) 10 AUCTION DRIVE PRODUCER NAME AND ADDRESS I INSURANCE & SURETY INC POB 6~a - 1525 CEDAR CLIFF DR. CAMP HILL ,PA 17011 YORK SPRINGS , PA 17372 (717) 763-1141+ 2. POLICY PERIOD: FROM 02/04/93 TO 02/04/94 AT 12101 A.M. STANDARD TIME AT YOUR MAILING ADDRESS SHOWN ABOVE BUSINESS DESCRIPTION: AUTO AUCTION FORM OF BUSINESS: INDIVIDUAL IN RETURN FOR THE PAYMENT OF THE PREMIUM, AND SUBJECT TO ALL THE TERMS OF THIS POLICY, WE AGREE WITH YOU TO PROVIDE THE INSURANCE AS STATED IN THIS POLICY. ---------------------------------------------------------------------.-------- 3. THIS POLICY CONSISTS OF THE FOLLOWING COVERAGE PARTS FOR WHICH A PREMIUM IS INDICATED. THIS PREMIUM MAY BE SUBJECT TO ADJUSTMENT. PREMIUM COMMERCIAL PROPERTY COVERAGE PART $ Ie, S31. ':0 14il,a4t COMMERCIAL GENERAL LIABILITY COVERAGE PART $ 3,044.00 COMMERCIAL CRIME COVERAGE PART $ 696.00 COHHEIl.CWo GARAGE COVERAGE PAlI.'r $ 16.48'.00 I+.aqs TOTAL $ 30~ 3O,4'1lP PREMIUM IS PAYABLE IN INSTALLMENTS: SEE ENDORSE~lENT. DOCUMENT REC'D IN HARIUSBtrRG ----------------------------------------------------------------------------- FORMS APPLICABLE TO ALL PARTS: ffi} ! <) 1993~' IL 00 17 11 6S 47 6S 1 11 90 ~ -----------------------------------------------------------grih~------------ ... ..." I I, , COUNTERSIGNED BY AUTHOR lZED REPRESENTATl VE j" (DATE) 020693200020002000 -----------~~---------------------------------------------------------------- 15177 05 91 OF !NSURr:.NCE 1 .'r: 02/0l:l/93 SERVICES F OFFICE, INC., WITH Nt. 198... CB/sjw 2/19/93 ITS .. " INCLUDES COPYR1GHTED MATERIAL 3724 Ed, 3,04 .." , .. --..---_.----- ----....------. ----- POLtt:Y NUMBEh EPA18214248 PRODUCER N.....BER 02001329 ACCOUNT NUMBER . . 000229270400100000 000000000-001 NEW BUSINESS PAGE 1 018 HARRISBURG MARYLAND CASUALTY COMPANY .A STOCK COMPANY BA~TIMORE MD 21211 AUD IT CODE. 4 MANUSCRIPT ENDORSEMENT NAMED INSURED AND MAILING ADDRESS: CONLEY ENTERPRISES (SEE NAMED INSURED ENDT) 10 AUCTION DRIVE PRODUCER NAME AND ADDRESS. INSURANCE & SURETY INC POB 698 - 1~2~ CEDAR CLIFF DR. CAMP HILL PA 170117707 YORK SPRINGS PA 17372 DATE OF ISSUE POLICY EFF DATE TERM EFF DATE 01/04/93 02/04/'33 02/04/93 POLICYE}(P DATE TERM EXP DATE 02/04/94 0c:/04/94 ------------------------------------------------------------------------------ FORM NUMBER NAMED INSURED ENDORSEMENT: CONLEY ENTERPRISES ROBERT H AND ANNA MAE CONLEY T/A YORK SPRINGS AUTO AUCTION ~'_,-.... ." ~ .. 372< Ed, 3,8< 4'7545 :liS ':'11 02/08/'33 OF INSUFL...~eE ,. "'UE DATE (loIUIllOIYV) , A.~.IUl: ERTIFICA T. ," .....,... . 2'12'93 : 'RODuaR ' j.~,......: IS I AS A MATTER OF INFORMAtION ONLV~A!tD INSURANCE G SURETY INC CONFERS NO RIGHTS UPON THE CERTIFICATE HOLOER. THIS CERTIFICATE DOES HOT AMEND, EXTEND OR ALTER THE COVERAGE AFFORDED BY THE 1525 CEDAR CLIFF DRIVE POLICIES BELOW. POBOX 698 COMPANIES AFFORDING COVERAGE ClIHP HILL PA 17011-0698 (717) 763-1144 COIl.ANY A umaR KARYLl\ND INSURANCE GROUP COIl.ANY B lIItIunm umaR . CONLE!C BIITBRPRISBS COIl.ANY C . ROBBRT H G ANNA MAE CONLBY LETTER C/O YORK SPRINGS AUTO AUCTION COIl.ANY D 10 AUCTION DRIVE LETTER !CORK SPRINGS PA 17372 ~E COVERAGES nlls IS TO CERnFY THAT THE POUCtES OF INSURANCE U8TEO BELOW HAVE BEEN I88UED TO THE INSURED HAMED ABOVE fOR THE POUCY PERIOO INDICATED, N01W1THBTANOING AllY REOUIREMENT, TERM OR CONOlTlON OF AllY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS CERnFlCATE MAY liE ISSUED OR MAY PERTAIN. THE INSURANCE AFFORDED IIY THE POUClES DESCRIBED HEREIN IS SUBJECT TO ALL T1lE TERIoIS. EXCLUSIONS AND CONDITIONS OF BUCH POUClES. UIoIITS SHOWN MAY HAVE SEEN REDUCED BY PAlO ClAIMS. CO n.E OP IIItII/IWICIl POUCY NUMBER POUCY uncnvE POIJCT_notl UIII'II UR DA T1! (loIMIIlDIYV) DA T1! (loIIIIDDIYYI QENIERAl UAlrun QENERAL AQGREGATE . 1,000,000. X COUMERCIAL GENERAL UAlSIUTY l'ROOUCTa.coMPIOP AGO, . 1,000,000. A ClAlUlIoWll! X OCCUR. EPA18214248 02/04/93 02/04/94 PERIONAlI MY'I. INJURY . 1,000,000. OWNER'S & COHnlACTOR" PROT, EACH OCCURRENCE . 1,000,000. FIRE DAJlAQE (Any OM....' . 50,000. .IlEIl.ElCI'ENSI!~""_' 1;,000. AVTOMOIII.2 UAUJTT COUSINtD lIINOU! UUIT . X ANY AUTO 1,000,000. ALL OWNED AUTO' IOQtLY INJURY (Pot_I . X SCHEDUlED AUTOS A X HIRED AUTOS EPA18214248 02/04/93 02/04/94 IOOILY INJURY (Pot_ . X NON,OWNED AUTO' X QARAGE LIABlUTY LEGAL - S40.000 PROPERTY DAMAGE . X GARAGBKEBPER'S Deus UAerun EACH OCCURRENCE . 1,000,000. A X UMBREllA FonM UBA70078499 02/04/93 02/04/94 AGOREGATE . 1,000,000. OTHER THAN UMIIREI.IA '0RI.l WORKER" COM'EHSAnON ITATUTORY UIoIIT. EACH ACCIllENT . 100,000. AND A TC470363669 02/04/93 02/04/94 OIIEASE-POLICY UUIT . 500,000. !UPLOYlRI"UAlnJTY IlISEASE-EACH EMPLOYEE . ."" """ OTHER ')!SCRIPTION OF OPlRATIONIIlOCATlOHINEHIClUIIPIEClAL ITEU. 800 SOUTH CAMERON STREET ~._" " ,~ CERTIFICATE HOLDER CANCELLATION , , SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCEllED BEFORE THE YORK BANK TRUST COHPAN!C EXP1RAnON DATE THEREOF. THE ISSUING COMPANY WILL ENOEAVOR TO 1123 NORTH GEORGE STREET IoIAI~.lL-- DAYS WRI1TEN NOTICE TO THE CERTIFICATE HOLDER NAMED TO THE !CORK PA 17404 LEFT, BUT FAILURE TO MAIL SUCH NOTICE SHALL IMPOSE NO OBLIGATION OR . LIABILITY OF ANY KIND UPON THE COMPANY,ITS AGENTS OR REPRESENTATIVES, AUTHORIZED RIEPRElEHTATlYE ACORD 25.S (7/00) . ------.- ~.__6 ~(F~~~RPORATIQ.~.~ggJl_ AUlllOfllf'f' ----I -,_u~:~-'::;--I-~~T TO A~' r- -- et'::CK B ... ~D ......'Al If UAtllI rn 4::;-: 0 ....... UP MOO .' ,flPM, SCH '"'00 0' SA..3 ".. ....T GlIAD( C/fl oOUC<ft.. O....CE on CA coo< on CA .. ..... uP ""_ coo< COllI! MR 18 4 4 200 02001329 GARAGE COVERAGE PART DECLARATIONS THIS POlICY IS ISSUED BY THE COMPANY IHDlDA TED BY X BELOW: MARYLANO CASUALTY COMPANY BaIUmore, Maryland 21Z1X1 A ~ Company this Coversge Psrt consists 01 this Oeclaratlons Form, the Common Policy Declarations. the Common Policy Conditions, the Garage Coversge Form and the Endorsements Indicated as applicable, [!) o o NORTHERN INSURANCE CO, OF NY Now Y..... Now York 10Cl31 A _ Compo"" ITEM ONE NAMED INSURED Cooley Enterpr1seo FORM OF BUSINESS: o CORPORATION o PARTNERSHIP ITEM TWO SCHEDULE OF COVERAGES AND COVEREO AUTOS ThIa policy provtdea onty thoH cowrag.. where a charge .. ahown In the pramJum column below. Each of ItleH cow'aon will appfy only to thou ......... ahown .. c:overed ..autoe.... "Autoa" Ire ,hown .. covered ".u1oI" tor . particular COYerage by 1M .ntry of one or more of the IYfllboll Irom the COVERED AUTO IecUon of the aarao. eowrage Fonn nut 10 the nama of the cowrage, Entry of a l)'ft\bot neld 10 UABIUTY ptOYkI.. cowraoe tor "garage operatlonl." ASSURANCE COMPANY OF AMERICA Now Y..... Now York 10Cl31 A _ Compo"" POLICY NO. EPA18214248 I!I INDIVIDUAL o OTHER COVERED AUTOS (Entry of on. or more of the aymbola lrom the COVERED UMIT AUTOSoctJon04lloe COVERAGES o.rag. CoYerag. Form IhowI THE MOST WE WILL PAY FOR ANY OHE PREMIUM which autOl are Covered aU1Ot.) ACCIDENT OR LOSS UAIIlUTY EACH "ACCIDENT" AGGREGATE -lWWlE "GAAAClE OPEIIAOONS" OPERATIONS" "AUTO" ..cr.::;,R}~v ":-~v ONLY 21 . 1.000.000 . 1.000.000 . 3.000.000 12.851. PERSONAl. INJURY PRDTEC110N 2S . SEPARATELY STATEO IN EACH PIP ENDORSEMEHT MINUS 60. lor oaulvoJonI _.un Cove....) Dod, ADDED PEIIllONAI. INJURY PROTECTlON SEPARATELY STATEO IN EACH ADDED PIP ENDORSEMEHT (or equivalent Added No-fault Cover.ae) :C:~TV ::IOTECTlON INSURANCE s SEPARATELY STATED IN THE P.P.I. ENDORSEMENT MINUS Mich In on Dod, FOR EACH ACCIDENT MEDICAl. PAYMENTS . UNlNSURED MOTORISTS 26 . 84. UNllERlNSURED MOTDRISTS . ~.':ar:,lnch..sed In Unlnaured Motariatl 26 28. ClARAGEKEEPERS COMPREHENSIVE 30 . EACH LOCAnON MINUS 944. COVEIWIE . Dod, FOR EACH COVEREO AUTO FOR LOSS GARAGEKEEPERS lll'EClFlED CAUSEll OF CAUSED BY THEFT OR MISCHIEF OR VANDALISM llUIIJECT TO LOSS COVERAGE . MAXIMUM DEDUCnBLE FOR AU. SUCH LOSS IN '"""NT GARAGEKEEPERS COWSlON 30 . EACH LOCAnON MINUS 680. COVERAGE . Doc. FOR EACH COVERED AUTO PHYSICAl. DAMAGE ACTUAL CASH VALUE OR COST Of' REPAlR.WHICHEVER IS COMPREHENSIVE COVERAGE LESS MINUS . Dod. FOR EACII COVERED AUTO. BUT NO DEDUCTIBLE APPLIES TO LOSS CAUSED ey FIRE OR UGKTNING 27 See Supplemantary' Schedule lor de.le,. "autos" and "autoa" 448. held for g,. by t'ln.r d.ale,. and non-cle.le,. PHYSiCAl DAMAGE SPECIFIED ACTUAL CASH VALUE OR COST DF REPAIR.WHICHEVER'1S CAUSES OF LOSS COVERAGE LESS MINUS $25 Dod, FOR EACII COVERED AUTO FOR LOSS CAUSED BY MISCHIEF OR VANDALISM, See Supplementary Schedule tor d.,I.,. ".utos" and "autos" held lor ule by 1"lIer deale... and non-de.letl. PHYSICAL DAMAGE COLLISION COVERAGE ACTUAL CASH VALUE OR COST OF REPAIR.WHICHEVER IS .- .- LESS MINUS. Dod, FOR EACH COVERED AUTO, 27 Sea Supplementary Schedul. lor deale'l "autoS" and "autoS" 1,394. "eld lor .ale by traner d..'e,.. and non-d..l.rs. PHYSICAL DAMAGE TOWING AND LABOR . tor each disablement 01 . p'lvate papanger ".uto" (NoI Av.llable In Call1ornla. .. Endorsements Attached To This covor~ PREMIUM FOR ENDORSEMENTS SEE Ar1'At!A"Im EI!lDO S\.;wwul.E II 0021 11/85 - S,oad Form Nuclear EJlcluslon (Not Apphcable in Now York) ESTIMATED TOTAL PREMIUM 16.489. IncluUes COPVlIghlcd mate noli ollnsu,ancc Services OUieo, Inc.. Wllh lis perm.5510n .. ,. EHDORSEHEHT SCHEDULE 46188-1(11/88) 46188-2(11/88) 46188-4(11/88) 46188-5(11/88) CA0005 (12/90) CA0180(7/90) CA2106(7/90) CA2191(7/90) CA2237(7/90) 47851(11/90) ~ ~,...' ....... .' .' ".,..-.-.....',...> ';~,,;'-1 -- '- , .. . THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. POLICY CHANGES Policy Chan.e Number _ POLICY NUMBER POLICY CHANGES EFFECTIVE 3/19/93 COMPANY EPA18214248 Maryland Casualty Company NAMED INSURED Conley Enterprises AUTHORIZED REPRESENTATIVE Insurance & Surety, Inc. 18-02001329 2/4/93-94 GB/sjw 5/21/93 COVERAGE PARTS AFFECTED COHHEII.CIAL GARAGE COVERAGE PART CHANGES In consideration of no premium adjustment, it is hereby agreed Bank of Hanover & Trust Company is added as Loss Payee for veh. '5 per the attached CA9944(12/90). - , DOCUME!,;T REC'D IN HARRISBURG NO CBAHGE m PREHIUH 1m 24 t933 ;r:l U- P.D.C. . . ....-.---. - - .~.... ..,. .. .." .. IL 120111 85 Authorized Representative Signature Copyright, Insurance Services Ollice, Inc.. 1983 Copyright, ISO Commercial Risk Services. Inc.. 1983 ,.. ..~ .. . THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. POLICY CHANGES Pollc)' Chanlle Number _ POLICY NUMBER POLICY CHANGES EFFECTIVE 3/16/93 COMPANY . EPA18214248 Maryland Casualty Company NAMED INSURED Conley Enterprises AUTHORIZED REPRESENTATIVE Insurance & Surety, Inc. 18-02001329 2/4/93-94 GB/sjw 5/21/93 COVERAGE PARTS AFFECTED C()MMF.1ICUL GARAGE COVERAGE PART CHANGES In consideration of $2,194.00 return premium, it is hereby agreed that the following changes apply: Garage Liability Coverage is amended per the attached revised 46188-1(11/88) form. Form 47851(11/90) is added per the attached. . . . $2,194.00 RETDRH PRE!DlR{ - DOCUMENT REC'D IN HARRISBURG tl.\y 2~ 1995 pJ).c1/:d _-.~ _. . - .''"'--- .~.:-.. .' or or IL 12 0111 85 Authorized Representative Signature Copyright, Insurance Services Office. Inc.. 1983 Copyright. ISO Commercial Risk Services, Inc.. 1983 ,POLICY NO, GARAC ':OVERAGE FORM - AUTO DEALERS' SUPPLEMENTARY SCHEDULE .. ITEM THREE LDCAl'l01l1 WHERE YOU COli DUCT C1ARADE OPERATIOHS REVISED . I.oooUH _" ~ II.. llall .... mail __ _ IS locallon No. , 1 10 Auction Dr., York Springs, PA (terr-023) 71 698 S. 13th St., Harr1Bburg, PA 1U 5235 Susquehanna Trail, StriDest~~, PA . 20X 800 S. Cameron St., Harrisburg. PA ITEM NUll UAlILITY COYIRAGI- PIIEMIUMI a-u. IIatIoItI ..... of T_ IldoItI LI*mr - \oIorr "- CIuIOI of o,onton IldoItI UoIIa 1\11 - 1\ t .1.. ... FMlor ...... UoIIa ~1 . "iiI - - Claal-~ 1.00 2 2 --0p0rIlllfI Claa1-~ .40 13 5.2 1 IJ 0Il1n CIaa . fIon.EmjlIo/OOS 1.15 0 0 7.2 4,035. lbtlr III 25 . CIaa II - Non-&npIoyoes .50 0 0 Ago 25 c.... Claal-~ 1.00 2 2 --0p0rIlllfI Claal-~ .40 0 0 7i IJ 0Il1n CIaa . - Non-&npIoyoes 1.15 0 0 2 1,121. lbtlr III 25 CIaa n - Non-&npIoyoes .50 0 0 Ago 25 .. over CIaa I - [mpIoym 1.00 2 2 Rogulor Opmtcn CIaa I - [mpIoym .40 0 0 11i IJ 0lh0I1 CIaa n - Non-~ 1.15 0 0 2 1,121. lbtlr III 25 CIaa . - fIon.fmIiIoyoes .50 0 0 Ago 25 .. .... CIaa 1- [mpIoym 1.00 2 2 Reij,ar Opntcn Claal-~ .40 0 0 2O:i IJ 0lh0I1 Q1ss II - Non-fmployees 1.15 0 0 2 l,12l. . U"""ooe25 - CIaa 11- Non-~ ~oo;.r .. Ago 25 .. over .50 0 0 - Oeflllltions: TOTAL PIIEMIUMS 7,398. - CLASS, Impl.,... II....., op.rotor "'ClIlIIet.... partners and oil.... IClMIIn IIle lOR'. _redon.. uIespetsons, oenenl -.. _ --= My emplayoe __ prtncipaI dutt _ lilt operation '" .....ee1 aut.. .. who Is Iurmhed . _ ._ All 0,1lt.. AI othef employees. HOTE: " r.!,1InIo employees wm1<Ing en ..... ol 20 """" .. men 1 _ I.. 1110 _ '" _ WOOled .. 10 be ""'.leeI IS ,..ling IlIiI each. 2. r.!,1InIo employees -inll en "_ olless lhen 20 """" 1 _ I.. IIle _ ol _ _eel III 10 be COUIlIeeI IS 1/2 ..ling uniI each. CLASS II - Ho...lmploy... Mr oIl1le 1-.0 _ who .. 10lIIl1arty IUfnished with 1 CllVefecl ..\0: 1_ "'_.... partners .. 011...1 and _ ,..._ tncl 1110 ,..._ of anr person descnbfd in Clus I =- .' f .. ;'~':~'~:~,..,~ :-" " ~"':;,'",:n ,POLlCY NO. GARAG' '\OVERAGE FORM - AUTO DEALERS' :aOPPLEMENTARY SCHEDULE . "Ell THREE LOCATIONS WHERE YOU CONDuer GARAGE OPERATIONS Looou. AlHn.. II.. _ _. main ..- ....1Ion IS l.lIcaIIon No. I 1 10 Auction Dr., York Springs, PA (torr-023) 7T. 698 S. 13th St., Harrisburg, PA 11X 5235 Susquehanna Trail, Strinostown, PA - 201: 800 S. Cameron St., Harrisburg, PA ItIII FOUIl UAlIUTY CDVlllAal- .IlEIIIU.. LoodM IloIIIIti II'-of To\oIlloIIIIti UoMIIlJ -....... - CIaoooa .. 0""-' IIotIIIt ulI!Ia r.~~ lu ~ 11" II.. - -- u_ ~117. l - - CIISII-~ 1.00 2 2 RogoAor 0I*IllIrI CIISII-~ .40 ):4, . 9;6 AI 0II1n 1 CIISI II - NafI.&nPilyMs 1.15 0 0 Under 101 25 CIISIU-~ .50 0 0 ~ 6,500. Age 25.._ CIISII-~ 1.00 2 2 RoPr 0I*IllIrI CIISII-~ 71 AI 0II1n .40 0 0 CIISI II - NafI.&nPilyMs 1.15 0 0 Under 101 25 CIISI II - NafI.&nPilyMs .50 0 0 2 1,121. Age 25 II CMf CIISII - &npoyees 1.00 RoPr Opemcn 2 2 CIISII- &npoyees 111 AI 0Illers .40 0 0 CllSlII - NafI.&nPilyMs Under 101 25 1.15 0 0 CIISI II - Non-EmpIoyoes Age 25 II CMf .50 0 0 2 1,121. CIISII- fmPoyoes RoPr 0peq1llS 1.00 2 2 CIISII - empoy.es 20X AI Other, .40 0 0 aus II - N....Employees 1.15 Under 101 25 0 0 aus II - Non Employees . -. , Age 2511 0Yef .50 0 0 2 1,121. Delinllions: TOTAL PREll lUllS 9,863. - CLASS, I Employ... RII.to, Op...'o, 1'Ioprie1.... potl..... and olf"",, active in lhe ...... .p...U.... ......,.,..... generoI -" _ rnanavers; MY empIoyet _ pnndpal duty _ the __'ion of COYeted .ut.. .. """ Is lunished . covered ..1.. All 00... AI olller employees NOYt: l. Patthme employees -inO an __ of 20 """" or mort . week lor lhe numllet of weok. _ed lie 10 be CllUI1led IS I ..tlng uni1 each, 2, 'p"'.hme employees -inO on _ of less lhan 20 h.,,,. . ...... lor lhe numbet 01 Mtks _ are 10 be CXlUnled IS 1/2 ralinO u~I each CLASS 11- N..,Empl.y... Any of lhe loDr:nmQ persons who are fttJUlitly (urnished Wllh I covered auto: lnactrve ptOpttelOfS. partners Of offieers and theif rtlallves and the .dativeS 01 Jny pefSon dtStllbtd WI Class I .' .- poucy Nt o GARAGE COVWGE FORM - AUTO DEALERS' SUPPPLEMENTARV SCHEDULE (Continued) . ITEM FIVE UASIUlY COVEfIAQE FOR YOUR CUSTOMERS In IlCCClI'donCe with -""" a (2)(0) '" WHO IS AN INSURED under SEC110N 1HJAIlIUTV COVERAGE.1.JobIlIty """"'- lot )'OUl' ............. 111imIted ..-Indlcated below by -1IlI", o . thIa box II c:hecked, patIIgIaIlh a (2)(0) '" WHO IS AN INSURED under SEC110N IH.lABlUTY COVERAGE - net apply ITEM SIX QARAGEKEEPERS COVERAGES AND PREMIUMS location No. UmII of __ For Eodt LocoIlon ~ "'.... 01_...... - _11IoI'" _. . ..,.", I1EM TWO'" 01_...... 0jlpI00) S MINUS S llEDUCT1lll.E ~ CO\/ERED AUTO FOR lDSS CNJSEO'BY 1HEFT OR MISCHIEF OR w.NDAUSM SUBJECT 10 ALl LOSS S 40 00 MINUS S 250 llEDUCT1lll.E FOR ~ CO\/ERED AUTO S 00 MINUS S llEDUCT1lll.E FOR ~ COI/ERED AUTO FOR LOSS CAUS BY 1HEFT OR MISCHIEF OR VANDALISM SUBJECT 10 ;, MAXIMUM FOR ALl SUCH LOSS IN NN NT S 40 000 s 250 llEDUCT1lll.EFOR~COIIEREDAUTO s ~ MINUS S _ llEDUCT1lll.E FOR ~ COI/ERED AUTO FOR lDSS CAUSED BY THEFT OR MISCHIEF OR I/ANllAlJSM SUBJECT 10 ~~ F LOSS IN NN S 40 000 MINUS S 250 llEDUCT1lll.E FOR ~ COIIEIlED AUTO S ~ MINUS S llEDUCT1lll.E FOR ~ CO\/ERED AUTO FOR LOSS CAU OBY THEFT OR MISCHIEF OR VANllAUSM SUBJECT 10 MAXIMUM ~ LOSS IN NN sO.OO MINUS S llEDUCT1lll.E FOR ~ COIIEIlED AUTO C<MfagM 1 Spoclllod Ca.... '" Lou CollisIon Ccmptehet....... 77. Speclfllld Cause. 01 Lou CollisIon Coo,"""""'....... 1131 Speclfllld Causes 01 loss CclIIslon c..,.,..hsI....... 20t Spoclllod Ca.... of Lou CoIIlllIan Speclfled Causes 01 Loss Collision " $ $ $ 680. . GARAGEKEEPERS COVERAGE applies en a Iagalllabllity basis unlass ona 01 the Direct eo.e~ OptIons Is Indicated below by "1IlI", . DIRECT COVERAGE OPllONS o EXCESS INSURANCE. . the box Ia checkad. GARAGEKEEPERS COVERAGE Is changed to apply without ~ to your or etri other lnaurad'. Iagalllabllity lor 10.. 10 a COIIIlllld auto end II eJCCeSS over etri other coQeclibIe Insurance regardIass 01 whether the other inIuranCe COYIIfS ycut or etri _ Insurad'.lnterast or the InllllllSt '" the COYllred auto'. ownar, o PRIMARY INSURANCE. . IhIs box Is checkad. GARAGEKEEPERS COVERAGE Is changed to appty without ~ to your 0( etri - Inaurad'.1agsI1labl1ity lor lOll 10 a COIIIlllId auto end Is primary Insurance. . '. _._ .-4'" ~ , 0, ._ POLICY NO._ (J GARAGE COVCAGE FORM - AUTO DEALERS' SUPPLEMENTARY SCHEDULE (CGntlnued) . rrDI EIGHT MIDICAL 'AYllEIITI COVEllAGL IlEFIII TO rrDI TEN FGR COVEIlID AIITGSIIISUIlID 011 A IPGlfllD CAll USIS. ~. ........ Deterv'--"'-- .....- _ llocIcIIl'IyIIWU lHy __~PremLm""'" , III tile UobIty PremLm _ n Opnllons llocIcII .....- n 0peI1llans"""'" ~-1qUIIo ~~~~:..~~ 'Ill tile UobItyPremLm _ n 0pntIaiw n AulD. .....- n 0peI1llans n _llocIcII ~-- llocIcIIl'IyIIWU ....... 'Ill tile UabIIIy _ 1tIII1I11I1 UIIIIISUIlIIIIUIIODlIISUIlID MD10IlIST COVEllAGI - .IlEIIIUMS- IIIRIl TO ItIII TEN FGIlSIFAllAnLY IlIDIITEIlID COVEIlED AIITGS. 11_ of ...... TonI\ooy Ilote .. _ .....1.. 10 023 ,.I,:lo 8. 80. '1 - '.- .....- ItIII TEN ICHIDULI OF COVEllID AIITGS WHICH Alii FUIllIISHID TO SOMEOIIE OTHEIl THAll A CUSS I 011 ClASS II OPEllATOIl 011 WHICH AIlIIIISUIlID 011 A IPEClfllD CAll IASIS. OESCIlII'TIOII TOIlITDIlY ~ Vw. -. TIlIdo ....... Ilocly Typo PUIlCHASID Town&__tIleOMnd AaIto II.. __IS) VoIide__(VIN) 0rIgInII _ ColI & AaIto wi be prh:lpdy gnoed ColI New NEW(N) USED (U) 1. 1980 Chevy Corvecte - 12878AS433742 8,500 York Springs, PA 2. 1987 Ford Mustang - lFABP4DE3HF207651 10,000 York Springs, PA 3. 1987 Chevy Motor Home - 1GBKP37W6D3309979 19,000 York Springs, PA 4. 1989 Ford Rollback - lFDXK84A7KVAY7716 50,000 York Springs, PA ~, lORD T"~I, D_""8_1. '1'..1.- _IU'l'T,:J,O'7~ ~n.nnn ~- ... -' ". Cow..... CUSSIFlCAnOIl EXC5'T FOR IMlg II pIIysIclII ~ loss AaIto II.. _Ill -... 6Izo INN, A/JI PIigy SoalndIry CadI Ispoyalllolayountllelosspoyee_ ~ . - ...... OON Or GIaup RatIng RatIng _._may__lltlle1l11e1ll ,-- VoIide Soollng - - tile loss c - ",(ihlll.dII CIIladIY Uab. Phy, Oom. , 50 6 739] #4-Bank of Hanover & 2 50 6 739. Trusc Co. 3 50 6 790E 25 Carlisle St. 4 50 S Heavy 5 1.10 .75 3119~ Hanover, PA 1-7333 5 50 S Heavv 5 1.10 7~ 111q~ ......---...... ......-.... . .' .- POUCY NO. . o GARAGE CO()lGE FORM - AUTO DEALERS' SUPPLEMENTARY SCHEDULE (ConUnued) . -... -.... COveRAGU _ PHYIU.... UMITI AND DeoucnaLEI (Abeence of . deductible 01 IIml' .ntry In any column below mean' thai the Itmtt 01 deductible entry In the corresponding ITDI TWO column appU.. Instead) PERSONAl. INJURY PROTECTION Um" PremIum UABIUTV AUTO MEOPAY UNINSUR~D MOTORIIITlI LImN PromI.... LImN' LImN PromIurn ....mlurn , I S . I 8. 2 . 21. 35,000 35,000 8. 8. To\ol - -... _on _ ....1111/III, \JMITS AND D4IIlIICT18LU C- aI 0 _1ClI.... .. IImll ""'" In '"' cohoon _ ....... _ ... limN .. MIl .... deducUb~ entry '" 1M cot.tlJl C rid"" 1TD11WO column appI" Ntlad') COMPREHEHSlVE SPECIFIED CAUlIE8 01' LOSS COWSION TOWINO & LABOR Umtlltaled .... Premium limit ..led In It'DI Urn" lilted In rTDI Premium limit Per PNmlum II'IM twO mlnul 1WO twO mInuI Dlllbhment deduQ.. Premium ", '~ deductlblli ahown lIIlIo__ - 28. 28. 44. 174. 250. 250. 250. - -1-;000. 233. 233. 156. 386. -... -.... , 2 S 4 I Po....... _nlzotlon to which ... _ _ .... boon fumlohod (Do not Include Cove" AuIoe which have been furnished to 0... I or Clue II operatol'll lTI!IIonml UAaIUJT _lUll FOR I'ICK UP AND OEUYEllY Of AUTO___ DUUU ONLY 51-200 mil.. Over 200 mil.. ......... of DrIve, Trt,. I 110" I: -- __ J~. .elM.., Ed. t1-M RECORDING COPY Page 5 015 .,. "",;~~:;:-," ';." .t.~ ." . -:~...\ ..... t. > .. '~..~".."...;~::.;{.r~~ '":",:J,:.rt:,..~,:::-. !.iJ~f:a..\ ,'r, "'.~" .~. ,'...... :{':''X,t.~';'}'i:'''') -,' ;';. '''. ~ "."0 ',1 '~"'.":-."'......"nJ'1" ' . ,~~\.~l~.\. ;.-~' "";'" 'f .~ ....( .... .' ':. . ...."JlI~ '" ."..... .... : 4' .. . "J,1.Jt .:'t'.: '... ~'''''..' ..'. " . .' " ;', j\~}Cr#i~~{~~,~~,,:::<.~~.~~~,~.:.~qYERAGE FqflNl :,:' : "~.' '. " ' , ~ ~i~1ovISl~s~n/,~IS'POIlc:v.,l'll.!Iv!~.coverage!'1JeBd the, entire policy carefully to~determ.1nil rights. duties ~re~~,e,'ldlS i1~:c<ol(eredr~.t-~',ii'" " ~:"': ,;b''': I", ,... ". ',:, ~,;, ;,' ':' ":'~ ',:!- ')~ ' .J'Jroijgh~lif:ihl~'.~cill~ t~;;"~di'.;~ri"i'8nd .y~';'-;r8fer td t~e N~med Insured j~6-wh Intlie.!?ecl~rp~ions. The ~Wwt1fet.iu.~~~9,.~~"'{e~JNhef.q'rJ1!!.~,y!p~ov,ldlng,~~I~:ln~url!!\~e:, ,; .'I:;'~.. :! i'~~' ~ ,:-;;..? :iWl'1~" '.;~', . , .., .Qthlir/woil!fl?,:~.~~~~seai.,n~~ .~~iila~'1<q~otat!ci~~erks ha~e IPecl~~ meaQlng. ,~~f~r,.to l>~ctl.O~~V~ D~FI. . : .NJTI9NSlf,U.;rl'."" ~, t, ;_0-1. { ....~t:'J!la. .Cf '.....~. . I: :/; ~ . ,... n .. '''l1 .: ,.,:, ,~. _ I. ~ ..'.'~~~;i:(~~lif:>- :jl~I)~,,',k';'~~";t~S~:J~;';N",i>I' e"'O"~V'ERE'D'A"UT'O'S<'~' ,:~:;.~' ,~,i~;:;:;" ,:,;'< ' -, -'~\&~,trl~~1",1"~\;'i, '~'WJl~t"!';;t.it, . .I:~~~ ';"~'" . " '._., ,. ..;t......, - -:-', ,.,' ..'" ..:;:;' :,'i> , I1;l'Ml.1\"I.O:Of'!Ii~!,~~chira!fo.~.sl~h~Wi,:~f. }'a~t~s,~., 1.,. ,.' ..2~ - OWN,ED "AUTO,S~~SUBJECTT. Or. keo. M. ~re~0'!11!~~~t9".,t6T;~q\:!l.;01""J1~.!t9.Y.t~.\lel'~' ';,:'~.::' P.UUlPRY ,~NI~~I,JR~.D:'.~P ~.R!s:r,~:1-AW... .,~, ":!tfift;,,foILQ~IOgt.il!UI'\l. ~rlc:.aI:~.f'!1~~I,sigl"esc. :n~~tl1!;i;,~:p.,~Y~ ..~IO~.Iv '1hOS~~"U.lQ~~;''(,ill(,8, '.' ~~!:'iiU'6 ot: , '" '~'';@.~c?l/~.'~at/TIIlY~Il,~c.ov!lnid ~autosJllI ,bti:1Vlnb9)!;",>;'~~' . t1i!l,laYf. I~~~;~te, w~e 1',' Y'R~I!Fenlad " :' . ,\\'~~I!.t6.red next to:!1o ~0_":{U'l!gl!.~J1.~l?~D~J8qitlon~;d!';S:l1f :',: :.', . o!prlnclpally,g~tadecr.l!!l! r/KlUlred.\o li8;ve ,!,nd .I " JoI na~~ t~,e,only "alltci~:!th!lt_are,c9.,y,'r~;''1';l!Jo~':'?,::{,~,:,:,:~ r;~;;. csnnot ~eJect.:~~lf1l/11~'~otor!st!I~CQv~ge." ,~.., 'A~' !,J:SeRIPTION':OF"l.!eOVEhED ',AUTO",'DES:', 7,~.t..r..\1 ThlsJncludes'thqlldr~,C1~,~~~u~~iJl~ ~wn. , ~~, \ii!.IGNATION SYMBOLS':,:,'" . :!~.~%".i';:jI"..~;,;~ll '. .. ":'~'ershlp of after1he .poIlCY,begln'~f)5{~aect they;,- , ~~ ,.:(~ SYMBOL -DES'ciuPTION ';:i,'i,'.,. ':~''''' ..;t: , . are subject to t!:'e,sa,m~ state\lnln~~r,el1 mo. , . . ,f\O!.: .: .'..... ...... .': ."\__ .. ..' ..~:. <. .; ~.: tori~ts requir.em~pj..;::'~4';"~:'T..~',," ,./.......:. . ""'~ ~21;1'-;.A~Y,"AUTO~ ';'"'::'" ,:.',<'~'" ':./;'~":~~;': "~ ~" 27 .."SPECIFICAlLY:-:.DESCRIBEDi1"'AUTOS..:" .r~~~' ..:'-OWNEP' "AUio,s.~;ONty.:'Onl#'ihose't,'f;"~.''';. Onlvthosll "autos~'desc~ 1l1';IJ,EM,SEVEN',." '., ' ;,"ali1os.", v~u,own' (aoCl,for L1abllilY,C~verage'."': t'. of the Non.Dealers',and Traller'Dlialers:,Sup.. . :' ,~~anv.;irallers" 'you ,l1ofl't own ,while. BttBc/!!ld', .' , ~. plementary Schedule of 'ITEM; NII\IE of the' , lo'power units you own). This Ine udes tHolll; ,\ '," .' Dealers' SUPPlementary Schedule.for which a "autos" you acquire ownership of after the'. premium chatge is 'shown ' (and 'for L1bbllilY: policy, begins, .' .. ' ',. Coverage any "trailers" ,you aon't own while 23 = OWNED PRIVATE PASSENGER ~AUTOS" attached to a power unit descri~d in ITEM :ONLYl Only thepH~l,Ite.p~ssenger "autos~ you SEVEN or ITE~ NINE).' ~,,' ! '..', ' . 'own. This, includes those private 'passenger 28 = HIRED "AUTOS" ONI:Y. Only those "autos" "aulos' you,'8cqulre 'ownershlp..of after'the you lease, hire. rent or ,borrow, ,This ,does' not policy begins, . include any 'auto" you lease, hire, rent or ,24 = OWNED'"AUTOS" OTHER THAN PRIVATE borrow f(om any of your emplC?yee(or 'pan. PASSENGER "AUTOS" OfilLY" Only those ners or membars of their houseHolds, , ,"autos" you own ,that are not 'of the 'private 29 = NON-OWNED ,"AUTOS" USED IN YOUR passenger IYpe (and for L1abllllY Coverage any GARAGE BUSINESS, Anv. "auto" you, do'not " tralleni' you don 'I own whiIe attached to own. lease. hire,! rent or borrow usQd in con. power 'units you own). Thls'lncludes those nectlon with, your. garage buslness"described "autos" not of the prillate passenger type you In the Declarations. This . Includes'" "autos" acquire ownarshlp of after the policy begins. owned by your' employees. .or 'panners, or 26 =' OWNED "AUTOS" SUBJECT TO' NO- membefS of the,lr householcjs whll~. used in FAULT. Only those "autos",you own that are your garage bUSiness, ..' "';'. requlred,to,have No. Fault benefits In the state 30 = "AUTOS",LEFTWITH YOU FOR,SERVICE, , where,t1iey' ere Ucensed or principally garlllled. REPAIR, STORAGE OR SAFEKEEPING.,.Any . This includes those ~autos" you acquire own. customer's "auto" while left.with your "garage ershlp 'of after the policy begins provided they operations" for service; repair. storage or are required to have No-Fault benefits in the safekeeping. Customers include your employ, slate where they are licensed or principally ees or members of their households who ~ay garaged,' " for the services performed, --or... ::-- " ....,. " , '-f ,. , " , , ", ' . "\ ,- '.: . CA 00 06 12 90 " ~ ,.. --' ~."I,'. , .. Copyright; Insurilllce Seniices Qffice. Inc" 1990 , . . - . ,"'':' -,-j ~- .-'- :Pti9:B'~' of'14" 0 . "'. ,.'f ,'. . . " , .. .... : ,~ 31 _ 'DEALERS .AUTOS.rAND "AUTOS" HELD.' .' b: You tell us within 30 days after you acquire' . ,:"',',~,. it FOR SAL.E.BY NON10EALERS OR'TRAILER" " .:'," 'it that.you want Un? cov~r' It,.ror,.!hst , :, <::'~':!;;t~,:,:~ D,EAI-ERSJ,.(PHYSIC(>.L I,D,AMAGE'..CC?VER. :,J.... '.-;, '....:coveraga. ,", ~'~ r.t, "I~"':.?'~' ~I~.,?, .:'~~!'< ':' ", ; I '~'~;" "',' A9ES); A/ly,.autQ~~ and the !,{ltarests !n'~ese .' ,,C. CERTAIN TRAILERS "AND, "TEN!PO!1ARY-, , , . I ~,..., ".aytQt, ,!lescriba4;J,~..;4TEM;~EV.eNtl,of. the,~ '~',~.. ':SUBSTITUTE AUTOS'~', ,'" ",:~'.',:Il: ,~:., ",1,1... ,r ::1 :::>i;;~:~~ ;; ':~':,~el'liler:s~.S~PPle"'Dentpl!Y;': SChd\ld;r~I!t.~!. xrl.E~: ,\~. '0\" If Liability ~civerilil'8' 1;'pfo~rdeartIy,tl1li'C'civ~rii~ii ,! . . , '~' ',,;"'N ~ 01 tJte Non. ea ees an railer uea era . 'F .... f II I of' iii Ita are" Iso ..." .: 'itJ.'''~' '1.;[-'.SIl r ' is" 'Sch d~le ;.'lHa:.:, <b1,..I!'" ......b, I,U':, orm.....e, 0 ow ng typosl .-4V~ c, ':. . 8, u'~I. '~;1:"/~"'c" , pa~en ry of!, ' '. .," ',' 'cove,red"autos.forLlabllltyCove!8ge: .;!A.,;:"..~j.I,.. ,:':'J; B.-.OWNED A~TOS YOl! AC:~U~,R~ ~r-~~ THE ,;" 1. .~Trallers. ',with a load capacity., 01 :'2,000. " r1..i.1,:'::,P>~L1~v, ~EGIN~..>,.;!.:::~..~f.tiHt!~:\': \'"f'''.~:'.) , '::~i*iUrilt!i 'or less ,~eslgQed ,p,~i~~rl~"f~r .traYI(,:".'l '."r,'Fit ,:"f.,lf ,ayp;1bpll!. 2.,1 , ,22.~~(',24, ~J.~~.~ pref "~-- . '..;. '!! on. public tOSd~~','tl~,I,'I")~",,:,~"i'r1 ii,.,v:t~!t~$'." '~. '7,. :!v~' !;'.J,..tl~1ea.~,e~ 10"a cOY'I!~e \In J 'fi~j!" wv!2j,o t e :. '!f.g,,; A,n' rdutbK yocf'do~fu)t.oYr,!~'U i38'0Miii ,"<0;', ..,' ~ ~P.~lc IirePil.~~." ~:~~'~~~:a~'!!' 'Er~~~c~j~J~ ,: J.;.:{,' ,; .tll'br'PlrtnrsSI~ri"af itS' ',own~~t8il\W~~li]: ~!K~ " :': "~ .b~lic: ~ s ;,tlj I~~. " ~ih'&''''' ,~'" ~':t~~ '~";' "..Il. I stibstlt\lte'for a covenid'~liUjn':yJu"o~ Uiat ,. ~'t?] b~e :.1~, r' ~~J1.~~r.~" 'l~,~~!'Ifl;.P~'~',~'t'~i~' .. :: ".; ., i!3 ,~ :~Is 'o~i.ofi;erVlce becalilfp'of1ti1.!f ,: "/~i" "!l'!",', ,~ .: ~. ~~~~.j./3~ ifSY~A~-71ISIi;8~~Dilt!idl,Mf!~.of'Ji,o~ef~tg~=-'. :, '.: ~'''';;~''B;eakd'O'~n:'';' ..,.,:'; <:-","h "'''~t'i~~ ~;'l'Y,;.'" ~/~~b 4,ni/UM..'m...:o1c! e,,,/IlP,arat,onll.l)i8J):..,,~~ ,0 , '.~~~ o~. :y." (Ul' .:'; ';~': ~ n::OOl.'T."ltPfiz. . ~/",~,::. ~~.~;1 Y9~cQ(,Il(e'.1I'(1U~be.~',~pvll.rei:l{~V.\Q4ifor..that.. J.,:\: -; .~, ~ep!ll~' " ',; ~ \;'j! "'t~ tl,,~tt~~j . ,..N~'" ',,\f.,l'f ,'colillrage.on!lc II:",,: ":; >,': ;'.' '0:1;',:,. .' c Senilcing' ',...,", ,:,.,.:..'..: .'.., .. . ~ .. ~. .. ...... .., . . ~ " r. ."',_" ., ''-' J.. ... 1(,;:,.~ ,:',j,;'We alreadv.',coVer:all'';autos. \1i1lt1vou owri . .' ,. d - "L~ss"' or ':', , ' ';' +~~,'.~ .;,' ..:' "\-: ::""ir:I'1."fo'r(~l:lllticoilerage',or:itreplaC;~\Iri".auto~.. '<'" \, " "\'~'''','" " \~"':":, ' ~-;:li~ '. ",~,~Y.AlI'PTe.v)qu$ly"0~ged..th~r~C/t~hat,c~~,"J ':':'t'.1.'f:!r.",DJls~,ction. ;:~"Ti~.:': ..'*~" ;~:;....: ,~'.,~~ :..-!J.',,~'~i"L._.,~..Q(8b~;.and ...j:...,:..i'tI....::~1Ilir..:-';1~.~...;..J' .~~l,...c:.:.i_l:\. "':" . .l.'t....,....,....t.~... ....:'...., . " .7i:.""':..,~. ....~~ .: .I,;'h... ....: . ',',' .,.... "'~C(":;'~l\t.,... rTY.' ',' ".'.: ..1-:,- ',':' ,.....,'Y:I'.... "~"l" ''', " ~". ~ .... .' &, .' . '.. ' ..' .~.. " CO""....AGE ' . . I..'~;::-~..;.~::;~....t~;!',ti.~ir~.... '",t. . roo,; Se, ~p~II-LlABIL .C' .,!'.~~ .' .... .": ,,~L1,"......-.r=' .. .".... .... .'~ ,'"_'. ," 7 . ., ...' 't.'; ':". .i.,\, '. ..... :',: .... ':,..... ~ii",..",,,,,;, , t,.... '(I ':".- :"':. "'.i.:l.'~ ..~...':,~:'," :,: " .~. :~,;!';.I '.'. "M~:''-'t "--:~l. " :' ' .. ...".' ,":I,I.,.. . .. ...,;i .: ~:.:.:.:.,....:l .'. ...... ...;' ;t... C, .., J'L.,.'c '~, ~.:.,:. 4"'I~t" ...J....\t,. ".-~'~ .' ,"~A. COVER~GE' '. . .,,~ :.,.,,' ..'.:;, ,. ..~ We.'wlli'also.,pay allllUmS,an ,~lnsured":~leilslly ... ,-, . , THAN, :::,i1llist pay ~s a ~~over!,d'p_q.llutl~n!lost 0' expense. t' ; ..~,; ."GARAGE: OPERATIONS~ -' OTHE~ ' ,.. to which1Jlis Insurance ~pphes. caulle\i by an " /..'COVERED ..AUTOS..... 'J,' , " ' ,:.'i'.'...accident..lind resulting from ~,garage,9Iier!ltlons" , "': . We 'will pa{ail sums ~ri ~Insured" lei/ahy must involving the ownership, maintenance or usI! of 'pay' as" damages because 01 .bodlry' Injury. or covered .autos." However, we will only pay 'for .property damage" to which 'this insurance ap' the .covered"pollution cost or:expens'e" II there . plies"caused by' an "accident" and resulting from Is eitlier .bodily Injury" or '"property damage. to '.. " ,'.garage operations' other Ihan the ownership, which this Insurance applies thalls'caused by the 7: ., 'maintenance or'use of coverad "autos." ': , same .accident,~ '. ~,..., ..." ': :', :'We' ti;;y~:th~"rlliht and d~iY'td' defend"ilOV .suit" ", We have'tl1erlghtaQd,(iuty to'defilO'd ~ny .sult. , 'asklnli for thesa dam~glls,..Howeye~;iN~ .~av! no " '..ils~lng for such damages. or, a ."covered p.ollutlon ., duty' to defend .sullS. for .bodlly injUry or 'cost or expense." However, we have no duty to .;..,.prilpertY'damage. not'covered bythls: Coverage ' delend .suits" for "bodily injury. or .property ", ~ Form, We'may Investigate and settle 'any claim, or ; damage" ora "covered pollution cost or' expense. '~.., , ,';:'suit~"as we conslder:apilropriate, Our duly to ' not covered by this Coverage Form. 'We'inay In- ". defend or settle ends, when the applicable, L1abil- ,.."'vestigate a'rid settle 'any claim ot .suit'" as we ... ,,'lty',Coverage 'Limit of Insurance ,~ .Garage Oper- consider appropriate, Our duty'to defend or settle , ations. - Othel' Than Covered. Autos...has been ends when the Liability Coverage Limit 01 Insur- . exhausted by' :payment 01 judgments. or settle- ance - "Garage Operations" -" Covered . Autos" menlS. ,,' has been exhausted by payment of judgment&,or.. "GARAGE OPERATIONS" COVERED settlements, " "AUTOS" ,', We will pay all sums an .insured. legally must - pay as damages because 01 .bodily injUry. or "property damage" to which 1h!s insurance ap' plies. caused by an "accident. and resulting from "garage' operations" involving the ownership. ':'. maintenance or use of covered .autos." ~~g€~~A'~~;l,4.;:-:':- .. ", Copyrigh\j !nsu;ance Servlces'Qlflcej Inc,.1990 ~'!f.~'~"~'; ...., . " "~;4..LS., . C .... ... . ". ", ;.'.," .... ....:, ...... ',,' . .".' . .'" .-., r .~..'.,.'''':1'''' .. .: .' . ~;.:':'(;::,t! ' ~~ OOJlfi 12110 ..' :':'- CAOO 061290'" . .. .- . .' [J 1. WHO IS AN INSURED ",' ' II.' The' following are '.Insureds. ,for covered ~....: ;:~,.I . -alnol,- . ~ (1 fvou for eny covered "sino." (2}J:Anicine elae! wh'li8' using with your ',I," '.c',permllllon.a covered .IIUtO. you own, hire or borrow except:. , , (II) The owner. or, IInyone 'elae from whom you hire or borrow II covered ')1",.~auto." ;Thla excep~!?n"d,oes,not ap' '.' ply If the covared .'l!to.~,1s a.tralls!" t,c .,. f ,I connected to i covared 'auto. you ,..' 1,.- ....... '.J) own. '... t.. '. ,..... ,.' . y"W,. ""(b) 'Your employee if ihsc9vilred .auto. ..Is owned by thet employee or.a ',:',,; , " 'l'~( member;ofrhis or her household. "'(c)'"Someon"uusiiio" 8 ' coVllnid- .auto. while he Dr' ahe .Isworking In a . ,business,ot."selllng" servicing, reo ,- . pairing,. parking or storing :autos. :' ul)less that business IS,your .garage ,c, operations,.., .::, " (d) Your customers. If your business Is shown In, the ,Declarations as an .auto~ dealership., However, if a customer of ,yours:', , (I) Has no other available insurance ,(~hether primaI)'; excess or , 'contingent). ',they are an "in. sured., but only up to the com, pulsory or financial rasponsibllity law limits where the covered "auto" Is principally garaged, (II) Has other available insurance (whether primary, excess or contingent) ,less than thf!l com. pulsory or financial responsibility law' limits where the covered "auto" Is principally garaged. they are an .insured. only for the amount by 'which the compul, sory or ,financial responsibility law limits exceed the limit of their olher Insurance, (e) A partner of yours for a covered "auto" owned by him or her or a member of his or her household, (3) Anyone liable. for the conduct of an "insured. described above but only to the extent of that liability. b. The following are .Insureds" for "garage operations. other than covered "autos": '. I t' " .. :< " .. \. ,., :~: if ., 0' '. " . t ~. '{ if ~ 1, CA 00 05 12 90 CA 00 05 12,90 (1) You. ",." (2)"Your partnars. employeea, director. or . shsreholders but on IV Vlhlle' '1I'*lng ',' .' ~.' yJlthln ,tllA .,C9PUl! tl1l!1~;9J!tlea:;: : 2. COVERAGE EXTE,~SIO~S:r,; ',:,',,1:1". "e. Supplemenlllry:Paymental' In:llddltlon to " '.the Limit of Inallran'ce,we 'will 'PlY for the -Insured-:: ,',:f .. '. ~ j." (rl',. -:~ , , "(,1)':'~I!:exp'el)a~i\~e. il\~.ur.\',;;.';,.: ,:~: (2) Up to .250 for the coat of ,bllll bonda (Including bond, fClt l'llla~va'1lc.law violationa) raqulrelf b8&uie 'ofan "ac. ",.." cldent"we.'coverllWe dO' not have to ,,' furf1lah'theae'bonds. :", ,.'".'i, (3) The cost'PGf'bbi1ij~rto reI8h~e/"tt8ch. " " , "rmenlll'ln al'ly:"ault. we deferid, but only "forbClhd,lImOunlll'wlthln our Limit of ,Insurance',:" i': " (4) Ail reas~ri._!ll~iixp'ehse, ,1ilC:urred by the .'nsured" lil"ou('request, Including ac- '. 1ual~lo" of'1lamlngs'up to".100 a day beceuse,gf tlmli'off fRlm work. (5) AII'coSis'tlixililagairisithil "Insured. in any "sult~ we defend,... (6) All interest. on the full amount of any judgment thst acclUas.after entry of the Judgment In .any ,~sult."we' defend; but our duty to pay interest ends when wa , ,hsve paid. offered tops'l.or deposited in court the part of,tlie Judg!J1ent that is within our Limit of Insurance. b. Out-of-State Coverage Extensions While a covered .auto. Is away from the state where It is licensed we will: (1) ,.Increase the Limit of, insurancll for Li, ability Coverage to ,meet the limits specified by a compulsory, or financial responsibility law of the' jurisdiction where 1he covered .auto.ls being used, This extension does not apply to the limit or limits specified by any law governing motor carriers of passengers or property" , (2) Provide the minimum amounts and types of other coverages, such as no- fault, required of out-of.:J;Jat~.. vel1icJes by the Jurisdiction where the covered "auto" is being used, We will not pay anyone more than once for the same elements of loss because of these extensions, .' Page 3 'of ,14 o Copyright, Insurance Services Qlfice. Inc.. 1990 .CA-.oq 06 12 90 B. EXCLUSIONS " ,Thls,lnsu(ance,does not apply to .any~qf the fol- :.,~i~owlng:... \ "-' '.: ;. t.;..... 1. EXPECTED'ORINTENDED,INJURY .Bodlly Injil,y..or .JiiOper1}i'd8m"il~.:Ilic'pei:ted ,.- or.I,lntendecUrom, the' standROJn~; of the .In- e", ,::sured,r,8ut-.for:~garage operatlons~.other than covered .autos. this exclusion .does nol apply . to .bodlly, Injury. resulting, from the use of reasonable fbree' to ' protei:1 'poiSons or prop- ",.~=,,: erty. :r, .. '0 . ',1 .I:~ "; . '0 :: .t~. ~~~:. "".IZ;iCO.....RAri:14L'.,:. ,,,", ";;,,' -:.U, IlL .nt ...~.T'1!'tr7 .:.If.' :~ ",,~,"-:':' c: . ,:J..lablllty.. assumed, underl:any. contract or agreement. BUHhls~lICluslo/l'~oes not apply ,,',; ~to.'I.pllltyllfo~~~"1a~es::,., ".r!. It' ":" '"C1.,i~umed,fn,a contrac!>.or,agreemant that "; ,'t':J' Is an,:;~~n.ured"contrsc1. ,provided the .bodlly Injury. or .property damage. oc- " , cllrs. s,~b~~quen~ ~C! Ihl' ,e~!.cu~on of the . c;ontract or pgreemenl;',or, , .,' I .' . ~'.:.'. ,- ,..'.' . . L '",' , , "f. b; 'That t1Je,,~lnsured.'would ,have In the ab- ,.aence 'of, the. contract or,agreement. " '3" WORKERS' COMPENSAT.ION . .. Any obligation for which the' "Insured" or the ,. '.Insured's. Insurer mev, be held liable under " any workers' compensation, disability benefits )~.. ': or .unemployment .compensation law or any -. r., similar law. t ,4.EMPLdYEE 'INDEMNIFICATION AND , . . "'EMPLOYER'S LIABILITY' . .Bodlly injury" to: a. An employee of the "Insured~ erislng out of and in the course of employment by the .insurad"; or , ' b:' The spouse, 'child. paren'!. brother or sisler ;,., ,<: of 'that employee' as a consequence of paragraph '0, above, . . , ,'. This exclusion applies: (1). Whether the .insured" may be liable as , ~ an employer or in any other capacity; . . and " (2) To any obligation to share damages with or repay someone alse who must pay damages because of the Injury, But lhis exclusion does not apply to "bodily Injury" to domestic employees not entitled to workers compensation benefits or to liability assumed by the " .Insured" under an "Insured contract." [J Page4.of.;14" 6. FELLOW EMPLOYEE," . /0, .:\,,\! ~ 4] ", ,. !'Bodlly Injury" to any. fellowlomployee of the .Insured" arising out of and.ln:the courae of Ihe fell~w e'!Jplor"e'~ ~mpJor.",p'nf" . ,~. ,g~~E.. C':lSrO,~Y ,<?,l} <?9:~T~q~1 I ~Property damage. ,to,f1)r...~.covered pollullon cosl or axpense.' Involving:,. 31.1 . "'. ,a.: PropertY. owned. rented or qC(lupled by the i ., ( ~insurod.;~' ~"', .iv.' : -, ;~ bi"P.ropertYloanedio' !hii"h;aured'; I ~ . , . t ...' ." If'':.. \, I ..,:. '. c. PropertY held fq(,lIl\la or, being transponed . . by the '.lnSured-; or ";:~:' I ~ .' : . d.. Property In.,t~e::'l!1sur,~d~..(tf!lre. cU810dy '" ,or contr~l. c ~,t' ,'~ .., .' But'this exclusion :does not ,apply to liability assumed under a sld!ltrack agraement. 7. LEASED AUTOS . .,'..,..,. . 'Any'covered -auto. whlle'lsssed or rentad to . . otherS: But this exclusion do'es not apply to e ,',., coiiiired' .auto. you rent to' one of your cus- tomers while Ihelr .suto' Is lelt with you for service or repair, ' I',," ' 8. POLLUTION EXCLUSION APPLICABLE TO' "GARAGE OPERATIONS" . OTHER THAN COVERED "AUTOS" . I .Bodily injury: .propeity dsmage. or loss. cost or'expense arising out of the actusl, al- leged or threatened, dlschsrge, dispersal, seepage, migration. release or escape of "pollutants": a. At or from any premises, site or location that is or was at any time owned or occu. pied by, or rented or loaned to, any .in. sured-; . . b, At or from any premises. site or location thai Is or was at any time used by or for any .Insured" or others for the handling. storage, disposal, processing or treatment of waste; c. At or from any premises, site or locallon on which any .insured" or any contraclors or subcontractors working diractly or Indi- rectly on any .insured's" behalf are per- forming operations: (1) To tes1 for. monitor. clean up. remove, contain, treat, 'detoxify or neutralize. or in any way Jespond to, or assess the effects of the "pollutants"; or (2) If the "pollutants" are brought on or IIi' .- the premises. site or location In con- nection with such operations by such . "insured." contractor or subcontractor; _' m ~ Copyright, Insurance Services Qfflce. Inc" 1990 CA 00 06 12,90' 0 ~.,. ......~' , . ....:~. """':"'-' 'CA 00 06 12'90 t~. , d. That are or were at eny time transponed, hand lad, store,d, treated, disposed of, or processed as waste by or for any "I,nsured" or any peraon or organization for whom you may be legally responsible: ' Lou, coit orixpensij'meinl'thole result- Ing'from'eny:,' ;.,.,. .. , ,,;,:'-c (1) Request, demand or order;that the .In- " lured' or othera'telt for. monitor. cleen '\11 up, remove"conteln. treat"detbxlfy or '.! " neutralize. or In'any_wey reapon4 to, or , , aue..the effects oepollutehts'; , ,:',' (2) Clelm' or~"lul~1by .or"ommehilf of e,' 'i'~ " ,,:"'governmentsl';authorltyi for.: damages ,~,,(, ",";' because 01." test/ngdor.., monitoring, 'i" ;', ~'-.. 'cleinlnll lip.] relnovlngl'contelnlng. "''',~" ~. treetlng.,detoxlfylng,or, neutrelizlrig. or " . , , In:any wa~"reipondlniJ'to or.-e"esslng the effects of 'pollutants.' : .. ,', Paragraphs -8. and c,(2) do not apply .' -". to' "bodily Injury" or !prciperty'damage" arislng"out of heat.':emoke or' fumes :'" . '" from.a hoptlle :flre. !n this exclusion. a hostile fire, means one that .becomes uncontrollallle. or' bre'akS 'out from wh,ere It.was Intended tei be, , . .... ". .". ~ . . 9. POLLUTION EXCLUSION ,APPLICABLE " TO ,"GARAGE rOPERATIONS" " COV- . ,ERED "AUTOS", I , "Bodily injury" or "property dilmsge"' arising . out the actual,'"~ alleged or lhr'eatened dis. charge, dispersal, seepage, migration. release or escape of .pollutants": a. That are, or that are contained in any property that is: . (1) Being transponed or;tQwed by. han- dled, ' or, handled for ..movement into, onto or from, the covered "auto.; (2) Otherwise in the course of transit by or on behalf of the "insured.; or (3) Being stored, disposed of. treated or processed in Of upon the covered -auto.; . b. Before the .pollutants. or any property In which the "pollutants. are contained are moved from the place where they are ac- cepted by the "Insured. for movement Into or onto the covered "auto"; or c. After the "pollutants" or any property in which the .pollutants. are contained are moved from the covered .auto" to the place where they are finally delivered, dis- posed of or abandoned by the .Insured." Paragraph 8, above doea not' epply to fuels. lubricants. fluids. exhaust gasel or other Ilml- ;Ier 'pollutanti!, that' are, needed,'for or result 'from -the normal alectrlcal, hydraulic or me- " chanlcal, functionlngJof, the',covered 'auto" or , IU parts, '(f,the.tipoIlUUnts". eacape; leap. mi- . ,. 'grate;,or ar8.dlscharglds<dllperaed or released dlrec~ from ..n"~auto'" paR designed by IU menufaC1urer to~h9Id. store.. !'8\l8.l"! pr dllpose , : . . ", '~~~;~;~:~~~~:':'. ~ ;~~.i"o; l!i~~~cluslon . :, do r'I~~.apply to l~accldents~,tll~jOCCl!r away "~'I" ;,frq.rn,p~I~,Il.)'llled-~rR~~"Dl8!I,t.9. an "In- ',c ,.., ,~u...#.',ytltlllre.sll8c.ll~" ppliu.14l.rl.t!r,~ot In or '>, '1l1lOn.a :cqll'l,~\.~allt9::>,l,f:N "(1 \,"bQOK " " ',(11 The:"pollutents"" or~..ny..'Property In ;., \" ~.t. whlch\,the~r.pOllutentat'l''';Contelned r.', .,' '. '. it. are:upAlI,OIIertiJmed or, damaged al a '.' " b..; ,result'oflthe:nialntbnance or use of a covered .8uto~rand,; '.~~l!~l/.i K. (2) The discharge. dispersal; ieepdg8; 'mi. ....1 ',' "",.,gratlol1r,,,reles~,, or,. l~p'!',:,of the ','. "... c"P!l!lu~l1ts',Is:~!Iseil,!Ji~,IV,.by such . ',", ,up'set, ovenu11Jior d!lmag~~,""" c' '10.'RACING'-" I ,,<,'., ' '.. . Covered' ,~!Iutos~ 'whlle:' ilSltd ,~,; 8~vprofes- sional or organized raclrlg 'or demolition con, test or stunting activity; ,This ,inaurilliea' also does not apply while the "euto" ,Is beIng pre. pared'for such a contest oi-actiVlty. ' . ...' ..".' 11. WATERCRAFT OR 'AIRCRAFT, Any watercraft or aircraft except watercraft while ashore,on premises .where you conduct "garage operatlons,~ 12. DEFECTIVE PRODUCTS , "Property 'de~ege" to any of \tour "products," if caused by a defect existing In your "pro- ducts. or any pan' of you'r "products: at the time it was transferred to another. , " 13. WORK YOU J:'ERFORMED .Property damage" to "work you' perfonned. if the "property damage" results from any pan of. thl!,work Itself or from the pans. materials or equipment used :In connectIon with the work, 14. LOSS OF USE . . ._~..... .-.-....,.....- Loss of use of other property not physically damaged}fcaused by: " a. A delay,or failure by you or anyone acting on your behalf to perform a contras:t .or ag!eement in accordance with its terms, , . 1\. , ". I CAOO 06'12 90 Copyright. Insurance Services .Qfflce, Jnc.. 1990 Page 6 of14 .' o ,CA 00'05 12 90 b. A defect. deficlencv. Inedequacy.:or dan- ',gerous '~ondltio!1 In ,your, ,'products" or " ,"work you perfonned!: ,But ,this' exclusion. , 14b,,\Ioes:not.llppIV.ifthe loss of use was CBuSed bV sudden .and eccidental damage " ",':toc'o~.,de81rUctlon'lOf~Vollr' :products" or .j.. !!Wofk.VAu,p'erf!lnned~' after they balle been ," ~putto thelf Intended US8.l.. ..,I':I'r.:- 16'; PRODUCTS'RECAfL" '!r,,' ',;" ..:-, . .. -It ;\:.\01, ":. .. j .~...., '\ . " '.. Damages clai,!,ed for, anv I~ss, c~~t ,<<;Ir txpense '.. ".JI'lncurred b1.YOu or others' fl1i.,he!loss of use. , . ' wlthifr'awill, 'i'ecall; 'lnspectloit}'repillr,"replace- . 'menC'adjlis\mlirit.':rillilovlil o(dlij)oril of your I.. l'prodlfCts":16)1l~WOrl(Jy'oitpedifim8d"or other property of' whlcll"tlUiy>fori1f'a "ilif) 'If such , .. ,prodll~,work 0"P10ll8rty)S withd.ra~n or re- f" ,.,",!ClIlled"trol\tflthlli'OIprksti',or,Jrom use bV anv :, 'F. ~P.lIrson, aD Qrga~tiol\) bJlcause of a known ,- . or suspeeted defect" ,deficiency, inadequacy or dangerous condllion'ln,jt, ." ",16"WAR I : "'~:' ,;; ";i,': '"Bodily Injury" or'.propei'ty, dsmage. due to ',warJ'whether'or- nilt declared, or anv act or condition incident- to war. War Includes civil war, insurrection, rebellion or revolution, This exclusion ..applies onlv ,to liability assumed , !In'der.a'contr.a~,C?rapree.me~t.,;' ':,:., C. LIMIT OF INSURANCE ' ,:' 1.' AGGREGATE LIMIT OF'INSUR~NCE - "GARAGE" OPERATIONS" '~"'OTHER THAN COVERED" AUTOS" .. , : For .garage operations" other than the own- ership, maintenance or use of covered "autos." the following applies:, Regsrdless ',of "th'e. number' 'of .Insureds," claims made p.r "suits" bro!ight or persons or organlzstions ,making" ~l8ims' or.. bringing .suits: the' most we will pay' for the sum of all damages. Involvirig .garage operations" other than "auto" is the Aggregate Limit of Insurance - .GarageOpellitlons. - Other Than 'Covered "Autos" for Liability Coverage shown in the Declarations, " Damages 'payable under the Aggregate Limit of Insurance - "Garage Operations" - Other Than Covered" Autos" consist of daniages re- sulting from "garage operations,. other than the ownership, maintenan,ce or use of the .autos. Indicated In SECTION I,of'thls Cov- erage Form as covered "autos: Including the following coverages. If provided bV endorse- ment: '",' a, "Personal Injury" liability coverage; b. . Advertising Injury" liability coverage; :, Page'6 of14' . , c. Host liquor liability coverage; ., \ do" Flre'legallla~1II1'{coveralie;'l,..,,1 ,..'~~. ,l'ctJ~n6ii}{in'ii;@',,~FJiij(.1riciice liability , .. '1 ' .,. ".' ~., -r" !law,. ' ~...., coveragn,,:., "Ill""'" <. ,,~'" '"" .' .-' t":.....I.\ 1,;' ,,-,. ,'" ......... ~.,~ t,:,NC?'l'~~'!~eW~~tc'l!ft,E9ye~9~ g. Broad fonn products{Coverage..'; , ; Damages." pavable.under.:the lEach, . Accident" , . , :Wmloof Insurance ,\fo"GarBge.;Operatlons' . ,;.:,Other :Than .CoveredlAutos" .are not pavable ,:, :und\lrnthe;Eachot'Accident:'uhlmit of Insurance ;~;~Gara~erQperatlonsf f:orCove,18d . Autos.~, ," " SUbj8Ct,to.the'abOVe;th8'most'We(wJII pav for , ' }~meU dainages)rasultingifrom',aUdUlodilv Injury" , 'iQ:and.:'plope/W,uamage' rasultinU'from anv one ..'",.accldent::'Is:the Each 'Accldent. Limit of In- . '1,siJrance, -ll1Q.arilgit..operSticins~,.. Other Than ,,~.covered .AutosHofiUabllity<:Gilerage shown In the Decla/8tlons.;I: f..'; ,.;, !"!. :" All 'bodnV Injury" andcllprop8ny dsmsge~ re- " :1", sulting,1rom continuous'orfifpeatad exposure ," .' to: substantiallo;.the same.,c:oridltlons will be ".consldered as restJltlngrftom'One :'accldent.. ''rhe''Aggregate''L1in1t 'ofllr\'~;~~ailce . "Garage Operations" Other'Tl1ari'Covered .Autos" ap- plies 'sepaiiiielv io 'e'Ii~ti, conSecutive annusl -.perlod' and 'to':anv)i'emslififig7periO(f<'.oHless , than 12" montlis,startlilQl Wrth 'the Illiilinnlng of the policV perlod'~hoWri,lit tne' Declara- tions~.unless ,the,policy. pe~iod.ls e~~nded af- ter,lssuance fOf"fln adc!~tlonal penor:l-.of less than 12 months. In that case, the. additional period will be deemed part of the last preced- Ing period for purposes of determining the Aggregate Limit of l~surance . .Garage Op- erations. - Other Than Covered. Autos." 2, L1MITO'F INSUR~NCE ~,"GARAGE OP- , ERATIONS". COVERED "~OTOS" ,',",\ '., ,.1. .. For "ac;cidents" r!lsulting from .gsrage oper- ations" Involving the ownership, malntensnce or use of covered .alltos," the following ap' plies: ", .' ',: ,; Rega,'dhiss of the number of covered "autos: "Insureds." premiums paid. claims msde or , vehicles Involved In the ,'accident: the most we will pav for the'total of all damages and .covered pollution cost or expense" com- bined. resulting from anv one.accldent" In. . volving a covered....auto~" is ,the Each "Accident" Limit of Insurance - "Garage Op' erations" - Covered,~Autos. for Liability Cov, erage shown In the qeclarations. . _ . ," .... '... . ..<.... " . 'Copyright. Insurance 'Services Qffice. Inc.. 1990 CA' 00 05'12' 90 "...... . t) f) o . I I)'. )Ie " )11. CA OO,06t2 90 , ,qal1!aQ~3al!.tI,~cl!vJlflldPpl,lution"co~'tP.r,.el\.'; I:!r.P,EP'I,J_CTIBL~ .;,,,,, c..., . ,.., .. . pense'i pa'(able . under the, Each "~Ident" We will deduct .100 from the dalTiag~ in any ,,; ,':Llml(cif.' Insu~}ii:,~ -/~8~ge:q~e~tloni"- 1;';S,CjC!d!lnt"~!'Jtln9:Jrom_ "PIlIp,ertv,;!lamage; to .. . '''Covei'lIcPAutos'''are not'psyaole'Junder'the r: liD ~u'O~i"",4Ii[l!Su!1:oJ'~Wp~:you.pertormed on :;.: &ch~Accldent"q]mlt'qf InsUr1lnCB"-'"Garage that "auto."' ',(>IL'I.' .~'~"l':': . ,,, ""Operiltlorfi.'!.'Other'J'liim Covered .A'iatos." .., . . I, ..'....~ '.:ilt"1"\;c:J.:. 1~ . ".J b~f" ,I.:"... ld.li~h.tbc..\Q6' 1.tiluol,..lefl,o lC \...1." . ...~) .~{.~',I. r. ,t.: " .A1I;;.,~IIV;il' {IJuryr~I,.proP<!JW;"smaQ.lI and .' , ' ' ...~CQv.e.~" PQ lI,atloQ C,!!st. ,p'r..lIl;Cpan~~ resulting ." .""",~ ""'J-i ";,,, ..' ~""; ,,1;..",..',': " fr_;Si. ".t:" Ii d .f,,~!,"tlaJ'-, t::r.HH.i:rtQ or!'k!i<!n l!"ous~or,,~~te,'.l!lC{I,qsure, to s\!~n,lally: ~e,lll!~e ,co,I'!!II!lons. .,wlII., be 'I'I b't:!(1ieeb Ir'e"'qilJ"~ (I(1....~ '" 'b:-uiJZ ,,:) "'conslllei1!Q'as resulting from one "accldent."" \'~\... ,,"': ,c,bf;, bned P"_~';i:' '6 .ao !<~" ;..,~; .J,": 'Nt'C'!"O~ 2':" '-i\:,':f.lf-"f..~ ..:1 ;,,:.:;'Uf.l~' ftr:IOf16:l1. '0 ..9nurlqc,I,~ "U..l,;llt~.'1 t;11(1/l,!. : 1:1":J~':"IIl':);J':,~~~,l)f".\'~E~ON'III~A.RAGEKEE9I:RSLC9VemGlil1! ,18v.ie:,,,, ;~lin':Jlf, ,,,.. '~R1G' ~l'..~.1 '. II.., .,..', .,,0'" 8/,1,; '(U'4r.'eb~EIfAti"'I"lfTENSION'Sr;:.L l?ll!' ~:~~)\r.. ..-~ \'~. r,:trl -:"::. . '':JVlf ftr.o \,r,r, (":. ;F'uf:aoa CI~' ;:no:) 'iCif!.u.: cr..: IU or:"ii2oi 1. We Wllhll8Y all sums the""liltlured",~legally ';ml~:>J1I!R ,lIm!ln.tl!ryoRjlvroe"'~t,I~11194~pn to .the ,', ,!."USJ,~v..!!S,~~!I!"l!.g~J!lr r;!<!6l!n:Jg;p",:~v~ UIIl l.?fc~IJ!l,l@n.~,aW~lll'{!II,:RI!v.fqr the In. , euto '" or b auto ~ ,equipment ,mtt,. the . surad L ", 'b' "', . . .. ~ . -I ,...:.-'~.h.-.., , , :~II'."'t/i '~I~ '. . '" .;~ . d . ('"..' f:I~~ ";rl'flf.1:t:'lC' t.f\nIG'.'~ :~,~"~'''-::-I'~::" .:.. , nSl.!""'.~;S1re,,~Il,~, e.. "su1l', c,!,4,p,tten - a. All eXp!!n"-,"'o,lncur. , .... " hJ(I!I!I8~ICIJlg. ~ep'a1nng" parking ~,r.:P.t!!rlng,lt ._~"';'I"'<" ..." I, ,J~, 1n your -gsrane operations", under:. " _ b. The cost, of bonds to release attachments "" ' f', ,;,.. ~ .'"., in any "surr. we defend. but only for bond 8. Comprehensive Cove,rag~. !r~"!. a~~ c~l!se. , ,..' alllounts..wlt/1in our Umlt of Insurance. except: ' " ,.=\1', ~:I ".......~l .~J._~I~\ t-<t.t..."., II".)I,'-':.lo.. ., " , " ,. c. All reasonable expenses i,ncu~" ,by, the (1) The co~red auto s colliSIon with, an- "insured" at our request, Inl:llidltl", 'actus I .,,,/ other.~bJl!CF or ; t" ' ..~ ;" r J:.L"10ss'of'eemlnlis1Jp't~100a day'bec8use ..(2) "The covered .auto's~'overtum.' ~f time off from work.' -, '''''" ;;i' b; SpeCified' 'ciliises" o~ tosY' Coverage. ,- '!,' drrAllcOlrtsocaxed against the. "Insuied~'ln any , CeliseCtby:"" ~..' ' :, ... . . .. "suit" we defend. " ~ .. . .., . J. ':.r~ ~.~ .: .' ~. (1) f.il,ll. )lgh",I,og or explosion; ,i,1 ,,::8; All: interest- on the"'full amount of any (2) Theft; or ..~ , Judgment that'8ccrues,after entry of the , ' judgme.nt,ln eny "BU!t" we defend; but our (3) Mischief or vandalism. duty to pay intereSl. ends when we have c. Collision Coverage. Caused by: 'pald. offered to payor deposited in court (1) The coverad, ".l1uto's" collision with an. the part of the judgment thst Is within our other object; or , Limit of, Insurance. (2) -The~~ve;~ "aulo's"'overturn; " B. EXCLUSIONS 2. We have the right and duty to, defend eny 1. Thls;fnsu~nce'does,not appiy"to any of the "suit" asking for these damages. However. we following, have no' duty to defend "suits" for "loss" not 8. Contraclual Obligations. covered by this Coverage Form. We may in- Liability resulting .from any agre~ment by vestlgateand settle any claim or "suit":' as we 'which/the "Insurcid" accepts responsibility consider appropriate, Our duty ofo. defend or .'.,' . ':for'"losS.-' :' , settle ends. for a coverage when ,the, ,Limit of .. ,~, Insurance fo~. that ~overl!g\l has been ex- b. Theft. 'c . \ " : ' hsusted by payment of judgments or settle. "Loss" due, to .Jheft or conversion caused ments, " In any way by you. your employees or by 3. WHO IS AN INSURED your,share,holders. .,' .~r, ," .c=-- The following are "insureds" for "loss" to c. Defecllve Perts: covered "autos": Defective parts or materials, 8. You, d. Faulty Work, b. Your partners, emplovees, directors or Faulty "work you performed." shareholders while acting within the scope of their duties as such, " .' CA;OO,olijl290: Copyright Insurance Sen/ices Qffipe. l!lc.. 1,990 Page 7. of:14 0 CA:OO 06,12 90 2. Wll will not pay for "loss" t08liFciHhjj~oP C/f..lMIT'OF'INSURANCE ANO,'DEI;>UCTIBLE I I ' ','It_'1~'t,','~.e., 'a,r'~te"ss.'.:"' p'f"~'he"."n~u':,m".'b:'.~,"',;"f".:i;o' vll.rll!'d"""'~utos." ":'!: ,,;O~f)9~i(b or.: In.",1 ((':";" ~~lIh~J"f!i\'.' tWl.' ~ rf,~~.1:lII .~~.. ""l" 'T a l'r.i-lt'ep8"illll:kI' or' Othllh!buiid"\'eprooliClrig f:ll '~iI~,$Uf!,i!sC':c,preml,!1!,IS pa!!l.. claims "made or ~. r" In', eqilrpment'\inle'slf permilnilri!lv ;/risfalled In ,"I;): r,;SIlII$: ~rl?ught,PJ~;!l!Psl'lNe,~1II psv,for each a covered 'suto.' ' ,C,'.'L l.:,1l '. _",loss":.,al.,each.,location..fs.tlill,GaragMeepers b. Tapes. records or other'sound'reproduclng .' Coveiage '.L1in)t"qf..Jiiriurance ,iliown ,In the devices dllslgned for use with sound re- 1;".; 'Diiclar8lliiiisforthat'loiiiJ/on'ii!lnus the ap' ,,:,'~I~:pllcalilii'1feductibliii feirloSli" Ciu'sllCl'bV col, Producing equip. ment. r' .. II' ,""\' th' ft'O.. .' , ""'1 f <l" 'a' II . ',", . ." .... SIOn,' e r miSe.. e Orysn a am.' c. Sound receiving equipment designed for ',d 1i'....L foe "':'I"I"~ <(CU: ,<'" ,:,rr:'~,,'>.<J,J. use as a citizens' band, radio. 'two-wav ',2:.:nl}le,f11I1;XI~um,#~i!,,~}~la sl8~,IMhe Decla- 'mobile redlo or telephone" or scanning rations (or Garagekeepera COverage Compre. monitor receiver lnll1<ldilllP'ld;:a~riIftit?;i:;l.M.;:. bel1,I~e.:9r.~pl!Clfl~d Causes of Lo.. Coverage and oth r, .lit ',r Iinl.,;",;iWinnanently IS tlie most that will be deducted fO{,f.1I "IQ"" I 11_J.~'T\.~tIi!!P.d'h"!i ":l:.",nD:VI" ,0'>1""1 In an'v on" event caused by'thilft'ofmli'i:hlef nata "" In e aSn or cons\l~e QIl8n ng. , ,,-l' (;1 "'l\~lryI u~ildJby'the""'lildll""hYiiiiUfacturer vlib(1~:Or \/and,~lIsr11;r:1 ,-'Me I;l'",v~"" 111';. ,V, . . ..,' sn' fOr t1i~~i1''stall8tio'':ilhrYiaIO!O.~'~:.J ~~?-,~cgoi\t81IIl!".',t!l ~~le;,i:lat0f6.r"iiillt."'rwe may d. Equipment designed ~r ~stId f!lf ~e de.,: ,.:'PI!'f,&lI. o~,sny~~~rt,~f, the deill!~tlbJe:. If this teetion or 10Clitlon'of-radari'''''~ ' . , , hll'ppe~s-,vou m~st ,~eim.tjl!l'Se, us for the ". ' ,'I~!lr.b ~,....',' : :.;, ,(, 'L l>.r,~ .'': " .' thdlidtUw~I,~I~'dor .~~I!t' port, i?n"C!~.J/jll'rd'~u, ctlble , .. ' a II pal .' . , ~r, ' , ...,::-1. ( ....... \,".~ .. ,- " '. ..~!: :" '" 'It:. '::I!. III 'J . ... " . ':.n;:'"er' " ',r',' M';~~CiidN W-PHYSICAL DAMA~E~COVERAGit,) " ,ill.' ;'::::',', ,I, ~"~OV,E~~~~ ;'-~~: " r ";~-"~~f:,;::~. " ""2..T.OWlng;"NoD.Deaie~'<lI)IY;:' .1.: We will peV, for "loss" to a.covered, "auto" or If your business i;'sHown In'1he' Declarations Its equipment under: . :', 'I; " as somethlng,oth8f than an 'auto"dealerahlp, , r,81,:Comprllhenslve Coverage,""roml.8ny cause ..., ,we ~III,Jl,av up to,the,lI!",lt s~!l\,!n In thll Dec, except' " ,.... ' laratlons for towing ani! lsbor costs Incurred , ". "' each time a covered "auto" of Ihe private . '.. (1) 'The covered auto,s, collision With an. passenger tYPe~s dlssb1e(1. Howilver. the labor or " ,other object; or , must be performed at',' the place 01 (2) 'The covered "auto's" overturn, disablement, b. Specified Causes of Loss, Coverage. 3. Gla~s Breaksge ' Hitting a Bird or Animal . Caused by: Falling Objects or Missiles, (1) Fire. lightning 'or explosion; If youcariv Comprehensive Coverage for the (2) Theft; '; : damaged covered "suto: we will p~y for the following' under 'Comprehllnslve C6verage: (3) Windstorm, hall or earthquake; " Gl b k " a. ass res age; (4) Flood; .. b. "Loss" caused bV hitting s bird 'or animal; (6) Mischief or vsndallsm; or . ' ~ ,and ,'.' ' ,(6) The sinking. bum'lng.". collision or c;':~Loss" caused by 'failing objec.. or mis, 'derailment of any conveyance trans. "':.oailes" :' ~ '" porting the covered "auto" " , . ' However. you 'have the option of having glass c. Collision Coverage, Caused by: breakage caused bV a covered "auto's' colli. (1) The covered' "auto's" collision with an. slon ilr overturn considered e "loss" undor other object; or " Collision Coverage, (2) The covered "auto's' overturn, ..-.... " .... Page'S cif 14 ", Copyright; Insurance Senilces'Q,fflcii! llic., 1990 CA 001lB,,~f90'.' 0 4 << ." ... . .' ., . . Dt J; ",. " ':' 4. Coverage extension, If your business is shown ".: "in,the Declaratlons;asi something;other,than ",0.'" an ~auto..,daaI8lShlp..W8.,1N1II paY;JJp to $16 I':'", ~ ,per"day.da.amaximum oU4.50 for,transporta- bil" '.' tion expense sQcurredtbYCYQu::because of the IIi"" r,'tOtal':theftl aJra..c;awred1'auto."of..the private erl; l':passengersl.Yper.,We will paYI,only for those ~":! ','ll:overad,,\autos~, fO[iiwhich,you. cany either Comprehensiv8>;Or.;Speelfled Sa"se, of Loss Coverage.We will.l!8y for :Y.i'.I}'~I1P!:!~~~'J penses, incurred ,d....1nl/ the paHOd Deglnnlng ~b~ f.J48:t1Quri-'aft6rthe t!ill" ancr.iindlng,Jftigardless n~lola of 'thil?p51ic!YiI:l8lclljt8Uo,Q1Whbn" fh6'cO\1!lred flti"~il~iito!lr;s.t!iturf\ii<t'{<9' usa', o~'\Ne 'illI~1~ 'lis b,.bi"o'IoSSl(lI1L~clneo slit ,r/r'l!l~"t>':" l.'t!'::Jt't':." , " . '" ... . I ' ".. B. EXCLUSIONS, , , 'h' " ",'- .. '("'1l'W'.':lllb.ll(t'~'ti:iO!l?f''''I''.il ~\!Jr'~a::'u' s'e;'d.~)bY"dl re- . e WI .no ,payor ass,", " sulllng from any of the following.' S'uch .Ioss. cr.; :'''is~eiccltJdild'rllgardless:Of arW'other:cause or event that contritiutilll:lconCi"r~iitly or in any ; , " ,SBq\lenC;ll ~o.,the...':loss.~m'c " <) .:, .. " N" I' t'H' 'rd -', I""'. "", . ,;', ,.' . Vtl'''' 'ta~.... uc ea. aZ8 .I~.., .. .... - .., Ie ""'"'(1") Thbltx'plO'Ildllidtanv"l,.{J~R'on employ- Ing atomic fission or fusion: or b: ,~~{'::J2).: tJ~~j~lir. reli1!tici~ orn;~iati~~, eN radlo- ..~' "."'~I"~"'" 1~.~iv~~c;,;q!)I!1'l!in~p'o,(l':~<1~eyer caused. 'tI1 OI,b. ,Warior Military Action., ,- ;," ,:c : ..'(1 )"War.lrlcluding undeclared or civil war; ~ - "" ,:' (~) Warlike' ~cti~n ,'by li"mllit8ry force, in- ,\, cludlng action in hindering or defend- ing against an actual or expected attack, by any government. sovereign or other authority using military per- sonnel or other agents; or (3f'lnsurrection, .. rebellion.' revolution, ',' -usurped'power or action 'taken by gov- , 'ernmentiil' authority In hindering or de- fending against any of these, 2. We will not pay for .Ioss. to any of the fol- lowing: a. Any covered "auto" leased or, rented to others unless ,rented to one ,of your cus- tomers whlla their .aulo" Is left wilh you for service or repair, '" b. Any, covered .auto. while used In any professionaror organized racing or demo, litlon contest or stUnting activity. We will also, not pay: for - .'oss., to any covered "auto~ while being prepared for any such event. .. c, Tape decks or other sound reproducing , 'equipment unless permanently installed In a covered "auto." '" '" -~.., '.~'..""" -',"~ CA 00 06 12 90 d, Tapes. racords or other Bound reproducing , ,', devices design.ed, for ,!,e,~ith ~ound reo - producing,eq~lp~e~t. 'l'" - ., , e, Sound .receiving equipment ,designed for use a~' a:cltlzans" bani! radio;. tWo,way niobne radio" or telephone Or~ scanning ""'l1lonitor reCeiver. 'Inclu,ding <its antannas '~ ' 'and 'other accassbries, ulllilss permanently Installed in', the 'dash or"console opening ':,." ,normally Ilsed..bY ,~,,~f1utp~Ll1\a(lufaC1Urer _ ',' fo~,the. 1!I$18l!at)!l.!l of,. radlQ.. '_, c .~ f. Equipment desiitned'O;' us&d'for'the de- ,.. ' v,', tectiofl,qr.lOCjltllln pf rllda~, ,-;,,,;. ',\, "3. Falsef"riltansil. We'wlll nlit Pit,/'for "loss. to -'8 coilered "auto..caused by or resulting from: ~8:' SomeOilii ~~'iln.ii' you,lo iil<<li8iitarilY part .. ," .., . ,witli If bfil!~~ ;~rlO~h~nf~:el;,ltnder false _ pretenses; ot " , _ ~ , c." '..:. ...~ .,:. .' t. ,.-'. ..\<. . , b. Your acquiring an-l'auto~ fromAl seller who ," " did not hsve legal title" . , 'I" 4; 'If your 'business Is shown'in the Oilclarations as an .auto. dealership, we will not pay for: a. Your'eicpected profit. " "'. . . .."....... .. b. "Loss. to sny covered ~auto. displayed or stored at.imv.Joeatlon, not iihown in ITEM ,1:HREE of th"Dilclarl!~lon,s If, the .Ioss" occurs more than 46 ,dsys 'after your use of the location bej:Jlns, . . . . . ..',0 , , c. Under the Collision Coverage.'to any cov- ered .auto. ,while being driven or trans- ported from the, point of purchase or distribution to its destination if such points ara mora than 60 road miles apart, d. Under the Speoified Causes of Loss Cov- erage. to .Ioss. to any covered .auto" caused by or resulting, from, the collision or upset of any vehicle transporting it. 6. Other Exclusions, We will not pay for .Ioss. caused by or re- SUlting from any of the following unless caused by other .Ioss" thllt Is covered' by this Insurance: 1 .,' (:.. ' a. Wear and tear. freezing. mechanical or electrical breakdown; b. Blowouts. punctures or other road dam!lle to tires, .~ ','-- ,-.. . " CA 00 061'2' 90' Copyright, Insurance Services,Qffice. Inc.. 1990 Page 9 of ,14 0 SECTION V-GARAGE CONDITIONS ., -. . . ~ I The,. following conditions epply In addition to the a, Pay its chosen oppralser; ond C;ommo,ii P.iilicy Conditions:, b. Bear the ot!ter expenses. of the appraisal A. LOSS CONDITIONS . ' and umpire equally,'. . 1. APPRAISAL FOR PHYSICAL DAMAGE If we submit to an apprai~al, we will still retain LOSS our right .to deny the claim, , , If you and we disagrea on the amount of 2, DUTIES IN THE EVENT OF AC(OIDENT. "'ass." either may demand an appraisal of Ihe CLAIM. SUIT OR LOSS "loss." In this ev~nt, each pany will, select.a a, In the event ~f "accidenl." claim. "suit" or competent appraiser. T~e two, appral~ers Will "loss." you must give' us or our authorized select a competent and Impartial umpire, representative prompt notice of the acai-_- The appraisers will state separately the actual dent or "loss." Include: cash value and ~mount ?f "I~ss.~ If they fail (1) How, when and where lhe "accident" to agree~ they Will, ~ubmltthelr differences to or "loss" occurred' the umplle, A deCISion agreed to by any two ' will b9 binding, Each party will: r. Page 10 of 14 Copyright. Insurance Services Qffice. Inc,. 1990 CA'OO'061290 C; L1MITS,OF INSURANCE' . .. ,'.. ,', .., ,;; The mo$t ~e w.!ll:p',~)cir "Ios~: 't~ anyone covered "auto"'ls tha:.filsser bf: ,';:' !:.~~~The :~CW.li>>,a~h::~A)'i!8 pf tFo.Jimiigad or ~~~~"~;" l!~ole.!1,p,~df.llrtY ~~oo!:~~J1ti.r:n.e, ot"loss"; or p,snnr,lb. The 1CQl!t~:ot f8Pl'lrlng or ;L\lplacing lhe "r,. ",.,.,.dam,ged, Qr;,slOle[l p~opellY"wlth other h"II~Ilr. IP~ope~.QHi~ldnd ~l1d,quaJity. 'I' "'2}1f'0;'tliose';llusJiie'ssas 'shbwri!'lnl'(lia Declara. tlons as' :lI8uto')fdeaJershfjl,s:J .tha" following ,<I; 6,pro\flslQAlLa\40 app.lYAOl' 'Jr~'''' II :. ,l B. RegilfllJeu'ofr<tliiJ':'iuJinber\;lb' covered Of ',. ,I" :',fJl~~ IlnyolvedAit ,tI1e,!I~lo"'';r;tha ,most ,,,,,;"'llnit<f{~WIIl illIY, fpr,a,lI tiloSll"\ot'.Aa;!y pna 10- o GlItiP.n 'Is tha. amaU'lt sh..oloV{I 11\ the Auto :.'.~'\ ~'~~B~P.II.,!I~n!'.:S\I~pl~en:t,liry"S9.h~~H!e Jor that . ..e. ~. "'JoC8ilbh; .IRegardress: ~Cf~,a~.f1umber of 'covered "autos" 'involved 1" tIlaMloss." the or.'.' " "most we ,will psy for'1I1I,1'../oss"'lo transit is the smount"shown"in the' Auto Dealers c" .,'E ',' ,~up'p'ementary . ~!lI).!!d/lJe. ,fqr '. ,::Ioss~, In ..(":' .:. . ~nsit., e.... ':' .~l. "/-, I. 't. b, Quarterly or, Monthly Reporting Premium Basis, If. oJ! ,the date of your last report. the .. .' lictual value' bfthe'covered -autos" at the , , '"Io~~ io,i;atllin exc!",ds'what you I~st re- portoo;'wlien' a "loss" occurs we will pay only s percentage of 'what we would oth- erwise be obligated td' pay.'We' will deter- mlne.this percentage by dividing your total reported value' for the involved location by the value you actually had on the date of your last report, If the first report' due is delinquent on the date of "Ioss.~ the most we will pay will not axceed 76 percent of the Umit of In' surance'shown in the Auto;Deslers Sup, plementary Schedule for the applicable location. , .. \ ~ c. Non-Reporting Premium Basis, If. when ,"loss" occurs. the total'value of.-your cov- .. ered. "autos'. exceeds tha Umit of Insur- '. ance'showlT In ,the 'Declarations; we will , ' pay onlY'8'.percentaga 'Of what we~ would 'otherwise 'be' obllgal8d to pay. We will ",' determine this peri:entage'by!:dividlng tha , ',lIml(by the total:villues,youlactuslly had '0- ,: 'when'"lo~occurred\, :"I.~' .',' "" D; DEDUCTlB'LE ~ ~ . ",!;. '.": <. ..,., :, For ~~ch;co~ered .i~~i~;(~ut~j)lIg~~PP';to pay :,~,.for.)epalr.,rewm prl.l't\Plac{l,-,!al!1~ll/I~, or, stolen propeny ,will., be,l'f!.luced:,,/ly ,~a'd!ppliC8bJe deductible shown In the Declaratlon~ ,provided that: ,'L:IJ'nllr; '!.8 1; :~I~~;, Deal~rs On!y.. ~P'~ir,!rp~~~~\~le !,ro- .. ,. . ., t i '-;'1''' "11 11"'tII'\: If your,businass Is shown;ln th!li.o!,claralions .,. , as,an'"au!o",c!.e.alership; ,',C ,r" ;:>' ,', a. The Comprehensive 'or'-Speeiflaij',Causes of Loss Coverage dadUc1lble.applles only to "loss" caused by theft or mischief or vandalism. ' :"..,~,.:. . ' .. '(01: ."'.' :,": b. Regardless 9~ -'be nJllJ)ber o,f covered "autos" damsged.or !ltolen. the' per "loss" deductible for Comptllhensive or Specified Causes of Loss Coveraga 'shown 'In tha Declarations is the !1)sxlmum deductible applicable for all "loss" in ~ny, one event caused by' any theft or mischlaf or vandalism, 2. Non-dealers Only Special Deduclible Pro- visions, If your business Is shown in the Declarations as something other than an ,"auto". dealership. the Comprehensive Coverage dpductible does not apply to "loss". ca!lsed by ,fire or lightning, CA' 00 0612 90, . t . .' o ..' , . e.,' .'.' . : f, ,.;' (2) The -iri'siired's'tnilme and addres~; ~nd (3) To the extent possible, the naoies and ,;..'iaddresses' ohany Injuted penions and bm, 's...",T.[.wltn~,. ',,' '''i ':!: i ;, b. AddltlonallV'",yollllndl-Bny~othjjr Involved -;I~b "u:-.. :Jns~~T,IJ.l~~',j-..:;t'~. :J~W\l("':'" l. (1 FAMsume' 'no libllgatlon'. mllka no pay. ",~b\,l 6,1: ,,/lIe,nl09r !Jtcur:nQ),41lWe!ll!8"J!Ylthqut our \,,~:.,,?c~U1S11!1k,el\.c;ep~'.at;thl! "ln8ur~'.s' own cosL, 1 " ~lt~ \"O~I1t~~ (~a':"'Jv(' 't~ I .. (2) IJ1Im..~"WY, !eng U!!:~!lP'!es,of .fIny reo " qullst'ltemanit;\:jrder, nbtlce; summons \Irll, I: ;,"c1or;'legal PaPt!r recehilldlcOneernlng the ~.. clalmlor!sllli~.. ,ttOJC b~,~, iJ . .,'" . (3) Cooperaill 'whh~s:lfl~he lnfestigatlon. .. settlemant or deferisl!s,et.pte c)J1lm or , -suIt.- ',',: ' , ~~~.~~~~~4f;f.~!h~;IZii:~~:\i~~btitr~,mei:iic8I'~ecords Ii'"'' 'ej '~llp.r qttier, P4!~ner:lt,lnfofl'(l"tlont" ' . 2;;(~) Submit to. examinallon , at our expense, 'V~L >J! ..Ll.i'~V.IP.!tY,ll,ICllll!~.I~lf Il,Wsfhll.fce. as often .... . \'-'i.ll:'1 'll,~,~e ~sp'n!l~~v.;:!eq,:,~rt;':, r,'. -'h , iJ~, '; c.flf:there Is ~Ioss'! tii :a;covered~1auto" or its lJ..:: ",: e,.;equlpment'fou,milstalso do the following: .. "~ ';(1) 'ptili!i'pll)l'notltf '~e" pciflcl!.'rr ih,e co~. " " c,,", ei'lid '"autd" or any 'of. its iKjulpment IS -....1 ':'.~.~,.'~~~~ Si~Je~::.. :~'!;;",-,';~'>:::__'~: \.' ...., . ~ , .. , (2) Tske all rel\~nllble' steps. to'ilfotect the . " ':.",' covered ,~~uto. . from, fyJther damage, . , IV" ' 'Also keep a rllcord of YOlir_e~penses for consideration in the settlement of the claim. ~ .... t. (3) Perinit us to Inspect the covered 'auto' o' ," ' arid' re'coros proving lhe "loSs"' before h. . ~, its rapa" or-disposition: ,. .' ..; r. I" . ~.')r'.f"'&_, ...... . _.: '.Jf" . (4h(\gree"to examlnallons under oath at '" ,. ,ollr request and give us a signed state. ,'_' lJ1ent of your answjlrs. . 3. LEGAL ACTION AGAINST US ' .. ....1 ., . _,. . " , 'No ~ne ,may bring a, legal action /lgalnst us ',1 ' unaer this Coverage Form until: .', a, There has been full compliance with all the terms of this Coverage Form; and b. Under Liability Coverage. we agree in writing that the "Insured" has an obligation to payor until the amount of that obli- gation has finally been determined by judgment after trial. No one has the right under this policy to bring us Into an action to determine the "insured's" liability. (- ,........ - CA 00 0612 90 4, LOSS PAVMENT~FHVSICAL' DAMAGE COVERAGES, t,(' ", At oilr option we may:" ,.., , _~~ p~y for" ~pal(~r;~p.lac~l~am~g8d or sto- . r.len pr~perty;.j.". .. .f~\I."=- .';.:,.': " ',: ,b. Return the stolenlproperty. at our expense. : . We will pay for eny,damage.that results to ,',' I' the "81110'1 from the, theft; or.;/ "." "', Ie: . Tallerisll 'or' iirr;:part' 'ol:,n~ ',Clpmaged or stolen p~operty at an agrilel!, or~ apprelsed ~ "'" . (.value...ilh',: ~ ..: .t~!1 ." c:;;C:~).~ ~" , ' , I " &, TRANSFER" OF R~GftY&~'F'RECOVERY "~,' r'AGAINST,OTHI;RSff.o.,uS,:,'l,(<:/ If any person<or bitrar,iia'iJor\ tit or for whom 41Ne make:: peymentt ul1der this' Jeov8rage Form "," ' '.llhes 'r1ghts:to ,rec:d\lllp-dsmages ,~m another, thllse rlghts'ara,transferredto us:T.hat person , "or orgs!lIz4,tI~'!.,"u~t.~o. ~'.~l!!g:n~essary ," to secure ou~.rlghts,ani! mUsl,dil:11qthlng after , ' ~l!.~,lilent" 'or, ~11l~~~ii)IllP~ii-:!lifl!":: B. GENERAL,CONDI1iIONS~[J';" I:, ',;1' ,1. BANKRUp;rCV.,f,::',"':'.:;..' <,.,.;'; ..- Bankruptcy ~rqn!lolvei!iiy ofth'lr.lnsured" or the olnsured's" estate will'Oot relieVe us of eny '. , obligations ,uiider this Colierege Form, , 2.'CONCEALNiENT. ',", MISREPRE$EN- .TATION OR' FIJ~,UD ' , " , This Coverage Form Js. vClid :in ,any case of fraud by you at any time as ~t relates to this Coverage Form, It is also vo)d if you or any other "Insured: 'at' eny time, in,tentionally conceal or misrepresent a material fact con. cemlng:, .. , a. !his Coverage Fo;m; , b. The covered -auto"; :' c. Your interest In lhe covered -auto"; or d, A claim under thls,Coverage Form. 3. LIBERALIZATION " , ' If we revise this Coverage Form to provide more coverage without additional premium charge. your policy will automatically provide the additional coverage es of the day the re- vision is effective In your state. 4. NO BENEFIT TO BAILEE~HYSICAL DAMAGE COVERAGES We will not recognize any assignment or grant any coverage for the benefit of any person or organization holding, storing or transporting property for a fee regardless of any other pro- vision of this Coverage Form, .. c: CA\'ol) 01j1'1~' 90', Copyright, Insurimce'Services Q,ffice. Inc.. 1990 Pege 11 of14' 0 . CA 0006 12 90 , .6.,QTHE6INSURANCE ' , II. For any covered .aulo" you' own. this Coverage Form".provldes, primary Insur- , ance, ,For any, cOI(~red, "auto" you don'l ,.. , ol/Vn,"the 'Insurance prol(l~ed by this Cov. erage Form Is excess over 'any other .'.',' lI' 'C01lec:1lbla" Insuranca: ,However. while a ", ." ':', coverad 'aUlo' which Is a .trallar" Is con- nected ,to', another vehicle. tha Liability , b ~,.,,~lll!lge.,this ,Cqvp'rage FOnn J;lfovldes for t'L. :-\f!I)!",th..' t~ite.'" is: 'c. ,:', l:h'l('. -., t:. ,(1) Excess while It Is connec1ed 10 a motor '.;;;. ,In:l311vlll!lcle VP,!:dq n~\ oW{l,@II,/~'.'; (2), Prinilir\1.wl1i1e,t IseonneCteilitd:e cov- cow,..... K: 'ol!~.;lI\!t,~~,yPu own",'"a'; \ "", '! b.' For:,Hlrild Auto P.hyslcel' Damage 'Cover- ""':,,0" 'ag';'lIny covered "auto~ you 'hire or borrow ,.' -, ,,,.,deemed to ~e a'covered .auto.you own, ." .. . '. "'tr."... ~ ",' .' ..,.. - j , .. " ,~: "~lii!lll!55 of the prp)/Isions of p~ragraph )" . Ii~' above, this' Cpverage ,ForlJl'~ Liability coverage'lli prlmsry for any liability as- sumed under.:an,!liisur'lid conli'act:~ "" d. When this Coverage:Fbim end~llriy other "Coll!lrage FQrm,.,o!.,pQllcy"cover:s ,pn the sama ~Is.- elthllr exceSl! or primary. we . will pay, only our share. Our share is the IlrC?P2rt!on that the LImit at In,suiance of our Coverage Form bears to theto.lal of the limits of all the 'Coverage Forms and poll- " ,.cles coverlnlton Ihe same basis, 6: PREMIUM AUDIT 8. The estimated premium for lhis Coverage ,Form is based on the exposures you laid us you would have when this policy be. gsn. We will compute the final premium due when we 'determine your lIC1ual expo. sures. The eS1lmated totel, premium will be credited sgainstthe final premium due end the first Nemed Insured will be billed for the balance. if any. If the' estimated Iota I pramium exceeds the final premium , due. Il]e .flrst Named Insured will get a re- " , .. fund, . , to . 1:.. . b. If this policy Is Issued for more then one year. the premium for this Coverege Form will be computed ennually based on our rates or ,premiums in effect at the begin- ning of each year of the policy. .... " , ,. C PlIg&,120f,14 7. POLICY PERIOD. I COVERAGE, TERRI- TO~Y, ' .'... ,,':", Under this ,Co~enjge Foiln. we' cover: a. .Bodily Injury: 'propenydamage. l!nd ~Iosaas~ occurring; and ,'V';,;, .; , " b, .Covered pollution cost :or expense. arls- . lng out,of ,.accldents. occ\lrrlng: . ' "during'lIie pollcy'perlod shown'ln the Decla. , ratlonli'and'wllhln the co\lerege terrllory. ... 'J The coverage territory Is: . "', ,;;,'.~.T~~'9.~i~~~~~S:#r~!d~; i~l , b; ..The ..territories 'lInd I PQ.88esslons, of the United States of-America;:t~,.' ,"" ,a.e.P.uerto,Rico;.a,nd., '~jv"";,(.':~d(.l,. 'd': Canada: ~'1l',=,,~ l.' ~n':"~I'.It1~~: '" We also cover .bodily Injury:' .property dam- agilt, ~~!Iliere.4polljj~lcln: cciSt;~nll"llxpense. and 'lo$5es. while a' 'Covered'~auto., Is being .. ,transported between sny ofthl!Se pl~ces. ..., 'l'he coverage: territory 'Is"eirtiinded.,to any- whera In the world If'the' .bOdily injury. or '.', .property damage. is caused' by:one of your '~., .products~ whlchus sold for use in the United , States of A.n\erloe. Its, tarritories, 'or pos- sessions. Piuirto Alco or Ceii,~dlI. The original .suli. for damages resulting trom such .bodily Injury" or .propertydemage. must be brought 'in one 'Of these places:' ' '" :', .. .' . ~. 8. TWo' OR MORE COVERAGE FORMS OR POLICIES ISSUED BY US If this Coverage Form and any other Coverage Form or policy, issued to you by us or eny , company affiliated with u~ ap'ply to the same .accident. ~ the aggregat8 maximum Limit of Insurance under 'all the' Coverage Forms or , policies shall not-exceedthil higheSt applica- ble Limit of Insurance under anyone Cover- age Form or policy. This condition does not apply to any €overage Form or policy issued by us or an affiliated company specifically to apply as excess insurance over this Coverage Form,' I., -.... " Copyright. Insurance Services Qffice. Jnc.. 1990 CA,OO'06:.1.a;90;, 0 :-..... c . ." .... . .' ", " ,J . .~. ".. ,""_ . :~t. ri'~~'~. ~(j\'." .' ~ \'~'a -:.' . ; ; ,.\., .~{.t~_ ....' .1....1 '':. ..~rh'.~,,~;'~lt~.L/...:-<I\ SECTION VI.DEFINITIONS,~"'.. ," " ;",' ,I ..J." -jp"~, ,} '....,' ~., .. !. . , . . . " -:. . ". . '~:~:,,,..~',, .':." "'1 . ~. ~.~.~ ~/~ ~~~:':;:c.,:".~ ,~O: i.;1 . ",,:a.., ,..' _';. . .',' """. S ' . .'" ' '_, . ,',";. ........ .,~. ... :,to . 'l" '~".@~ ..~:., ~ , ~: ,t'~,~AC::lde~i=~(n~iudes co~tlnudJaor '~pi,ated' ex.' ...' ;)1, Par~giaph :~:I.~~g~e ~ri~ . n~i~.~~~KP1~:'fuil~;~~- " > :".:Poiuril to'the lama cOl\dltlona r8iul~lng III ~bodily, " ,:;. lul?rlcant,l,. f)uf4s(1!lIba!l!i1'ga~or,.oth!ii a1'l'lIar.' , . ~; InJlI!1. or ,:p'~oP,8rty d~~age.'.. ' " " ',: \, "po!lutlll;\~~1/1a~,gre,naijQed for ,1;I.r res""k.~om the. . ,:8. JAu~~i,means a land;m. o~".,vehlcle, trailer or '.-\,.,np~al !'J~lf,lqa!,:hydraull~(lr,.m,ec.~~npVy'nc. ..: ',.'~,,;, '",' "s8mItrllIIAr: .' ""-~:" ',;,. ,', ',., ..:.,,~onlllng Pt!'1.~:~a,VJrAAl!"!\Ito'\tP'r,~p!!IU'iiI~f1I.~'~' , .. ...'.'. ,~-' , , .. ., ."~,,' ',f ," p.o utan\ll:"""ape'tseep mgratlk'or.~'u'"[!' ., .c:,"Bodllylnjurf..means bOdily Injury. sickness .or ' ,\)'~"c~l!illed.~~!sPl'is!l!:Or ~al~,~,d ~II' ~~fii?lit:en"I;,' , ,'~-:'I,''dlseese sustained. by, e pe'!on Inc~u~lng d,lla,th .f,;:;.", .e!ltO.:p.art d"-r~"tIl~VIl!I'il1Il!1",fa. ~r;t<<:,h~li!~r.'''', ,~ ;'/ti '~~~: f~~~~:no~U;~; ~;pe' ~~e'.. ~e~'~~ :~~y' , :' {;,stp~r?;'~he~be'~~~d.Ii,,~%eb..~JI~~i~}f~.lli!~19~~;.;t:~ ,'\".., ~.. ' . , ,,-aragraps .an~c..1I0v~'1I0,nohp'py."~t.1I1;~".. , ':]~~or~,~.se:arlsing,o~~,Pf: ":'~1 ','- '~':~: (' ;,~':c:ldents.')hii~l occ':li.~!'~~iiy'~fflinl.~'p!Omlsel~ne(f:~ . ': 1,'An'l raq!l~'demand or ~rder; or ' ~,; f, ': ;;l'.~y.'-b~..;rent~if, !~ ~~!!:: 'mS~!!~~:wnli'ff5~ ~ol!.f. '~. 2.:~v_c18I(n'o.r .sult. by cir:or1 b~half o(e;goy., "~~:.'p':o)!uta~~. n09~',OY'PPr~~r~~~~~';<J:r:!q:;If.'- :',' , l:~~~ ';'.!emJ11Bp.,taJ ;8,uthorlty ~e~~~dirig,.. ',... " '_,~:.,. :..(1) :The ,poll~~_n~ ,:;o~.eny,(lp.rRptlrtvJ ~1n:Y , bdhat--the ~!ns\lrec;!., or',othera t~, for. ml;lnltor, ". ",:,"" ,~hlcjll.the "p91ll!~n~",.arn,~antalnl!c;!~ ." clean up/remove, c!l!ltaln.,tre~l,i.4etoxlfy otnell- , ", ,.. ", l!re,,up~e,t. 9\{el!!lrn~~,<!.r:d~.f11a"I'~,as ,8 ,: trallze or'ln any way respond to or esseSll, the ~'" ..:, ".r~~ul",pJ}lj,e T"Ip.t~!In~~,'9.~~lI\l of.e ..'''effecti.of,.polliitilllti..'..' ~'l, ,,:,,";:: ' ,'.. :'. " I cQyer.e~"au~o,ti'!Inif, ,,:~~~(Y!" :-... ,~ , , .Covered p~Outl~~'c~St ;;r!~~penS~"d~eS'ri~~ I~, . I. (2),1;l1e, dlsc~argo. dl.P'!!JllIJi::siW1age(:m!~, " )" "ctud8'anyc'Ost or exp'ense ,!rlslng'out of the, ac";. ~ratlon. .r~lea,!e .qr, ~pe, rpf:,. the,' tual. allaged or threatened dlscherge, dispersal. . ' ',f pollu~,~ts ,.Is caused (j1~~~I~Y1~~h ;. seepage. . migration. release or escape' of . :', UJlS~,~,.ov~~ilr~..~~~~('?a~~.,,:,,';,,', ,.: ',:. '. ,~pollutants.: ' ,(, E. .Garage operations.' meanli ,the "ownerahlp. ',:;~. That are. or that"enl contained hi any ".malntenance orilse o~l~atlons'fo;'gilrage busl.'~ '., property that Is: :: ',I 'C ness and lha,t, ponlon of.t,~e toadso~ ,o~er ac~", / ",,', ,,', '".: . cesses that 'adjoin these.. locatIons. :Garage ,1. Being transponed or towed by. ~an. operations. includes the owmitsliip. 'malntenence died, or handled for .movement Into, or use of the .autos" indicated In ,SECTION I of onto or from the covered "auto"; this Coverage Form as coverad .aulos,. .Garage 2. Otherwise In the course of transit by or operations" also Include all. operations necessary on behalf of the "Insured.;. or Incidental to e garage business. 3: B~lng "stonld. disposed of. treate!! or F. "Ins~r~d.,. 'means ,any person. or organization processed In or upon the covered qualifying as.an'lnsurad in the Who Is an Insured "auto.;'or provision of Ihe eppllceble coverage. Except with respect to the limit of Insurance, the coverage afforded applies separately to each insured who Is seeking coverage or against whom e claim or . "suit" is brought. G. .Insured contract. means: 1. A lease of premises; 2, A sidetrack agreemenl; 3. An easement or license agreeml\nt..ln con~ nectlon with vehicle or pedestrian private railroad crossings at grade;' , , . , , " , . . . ". b. Before the .pollutants" or any propeny In which the "pollutants. are contained ere moved from the place where they are ac- cepted by the .Insured. for movement Inlo ,or onlo the covared .auto"; or c. Altar the "pollutants" or any property in which the "pollutants" ere contained are moved from the covered "auto" to the place whore they are finally delivered. dis- posed of or abandoned by the .Insured." I .. .. - , . "CA 00i05;2'90~L " "1 . . . .. t;., CA,OO 0512,90 ., -.j 'Copyrigti~ Insurance, S~rvlces Q,fflce. Inc,;, 1990 ..,:" " ,.. .' , , Pag,i-13 of-,ll 4:i [] '''t CA 00 0612 90 4. An obligation, ea required by ordinence. to Indemnify e municipslity. excep~, in con- nectionwith work for e munlclpsll....;. '! , 6. Thet pan of eny other contrect' or egreement pertlllnlng to your garage buillne88 (Including ,,' an li'iditnlliifleetlciri' of i"inunfclpalltY 1ri con. " , ""1' rteCtJon"W1th"y,oHt-peiformec( fo'r ""muillcl. , ., :,: paUtY) " uniter 'w!flch ';filiP' e~ume .l!te ton ,. ,..; lIab1!ItY."of; efloth~no' paY:'for"'bodlly I,~'ury. , , "or '''Property tlame'geoO!'to'ethTrd peny or or. ,(;t. . ~a;,fzetio'ri!'Tonllibillt'l meanse liability thet " r.... 'woUliI bll tm~Oiild by law'1ri>tIieebaence of '''' 1.'8ri1h:b1fti'acf'o"rillmnlll;\t:,tW "".JI," ~~.'I)tJ in!" . n:-u& Hi,. i.".,~..:lJ' t~ ~'. . . ~,.. ,L' ",; ',' lS~lN.',~~~~r,T.aj~tena~~~p'r~~'1-',"~~' ..W d . ".' ,1,." ,TlIit'pe~ O~l!.JlfY ~!.lJ!.8~~..r'.bllf.l!lemente!~terle ,,,,,Infp.,,s ,pen, 0 ,yo\lr gerage U8 ne88, parte n. , ,I, '''c,\i:i~:to. ~.re9~~Pr;}!I~.,by..v,ou,o,r e9Y,9tvour .. ,e,mpJoV!'BI, ,of env, "\Iuto." ,However. such , ,. contract llr allreemont sltall, not be considered ,J'an'.fhsured'ccihrict. 'tolllili emnt that Itob. ';', 'lIgii(lis'You~filliV'of your 'employees to' pay , " ""proPdIW'd'l'ri~iie,:'o a~V:"~\i'o. renled or lessed by you 'or any of yoUr employees. ,.' An"'iit__tiied'corit#ilct.. ooes ntit lnclude thai psn : i'~: ;~f.,an~ .~~~rrcr: ~r ~#~~~~~tt ':'~,,~, :~~: 1. That II\C1em.n!fi4!S"an,.ar.chlt~t.. engineer or ....". survey% for,ln!~'r: or ~!m~~!, ,a.nslng ,o~t of:,:, a. Preparing, ,!Ippro)/Ing or, faillngto prepare ': o,r approve maps, draw)ng.... opinions, re- 0' ,'p.o~. survl!VB, chsnge ordeRl, designs or spegfj!1litions; or . b, Giving directions or Instructions, or falling to give them. If that Is the primary cause of the Injury or dsmage. :".: " .' ", ::" " ! . 'I' ~: '. ,', .... i..~ '. " ......... 2. That indemnlflBl any perean or organization o l..for, ~amage by flra to premises ranted or , Joined to you. ' 3, That pertelns to the loan. lease or rentel of an .auto: to you or an'{ of ~oW er(1p'lo'{08I,lf ~ "''''iiiiio' 'Is 'lb"tiii8i:l:'litai'&1"o~' reMe<lI.wltll' It ,,.1, "drwei'i:.ir":' , '" ;,bnl"" mU2 (.n! 01 ~\"'?()'\ ' 4. That holds a ''p'e;S~if ~r"li~jfJGati~1) '~~b~ge4 ., 'c Iii tlilfbuilrleSSof'1iIihsponlnii'.'PiOMit{ bV .auto. for hire hannless for yourBu'ifi"bf e , ,. "..covered. ~autor, ,ovat...routalo(':1territor9"lhn ,j', t1' perean,or organlzatiort lil8tlthorizeddOlll81V8 by public authority::; ~=' ynli :f1L.,i "f1l1lu.~' H.r .LOss', n'Ieanidirect end'.8ccldint81losa or:tlanlJ. age. But for Garagakeepera Coverege:only;,~o88' also IncludJBI,,',I)~ ~~It!!:"gJ~,lltM~'vo;.l', ,I' I:,., .~oll,uten~:: '1',~an.s,any .sQ)id,JICl!!id!, gal!llo.~1 or \hennallrnt,8nt ,W ,c~I\Il!iJ:tll'a"J. 1".911l,~,II'!J"lmoke, vapor. soot.' fumBl, acllls, alkillil. cliemleels and , 'llivillite; 'WaSte; Inclu'dBl' mat8rialsrtO 1i8,recyi!led. .' 'rel:onifitlilriild or'reclaJrrilld' ,c' 'OIf'e', ,I'. 'If''':' ' ;i:' ';P;Jd~c~" 'jj,~;rn~' iiie:'g~~'i!Rr;;,~pd1iQ,~~YOU made,or sold In a garagebusln888. . K.: ~P7o"~~rtv'~~T.8:gVfu~~1t, ~~ijj~a, f,~i~r~:l~ of i.. use,,~f tangible prolll!!'Yj;~", .., I !l,,',.". :5, l:. .Su~ mesns a civil proceeding- In wl)lch dam- sges because of "bodily injury: '.property.~am. ege:',or ,.cl!vered pollution c9s. or\expe/lse: to which this Insurance' applre~,are a leged. .Sult. Includes an arbitration proce8ding' allQging luch damsges or .covered' pollution C081 or expense. to which you mu'st submit or submit with our consent. ' .- M. "Trailer" Includes semitrailer. ' . ;" " N. .Work you performed",lncludes wQrk,that some. omi 'perfonned=for'you; , '. ;'1' ,,' ' (' . .':,' ,. .1.: I"; " " I, ~~ ;"". ,". '.'1:' I. u~..,". " ': .. :. ~, .. ~" . \ :... -.., . ~ :" . [J Pagll,140t14' Copyright. Inlurance'ServlcBl Qffice, Inc;;~990 CA' 00 0612.90' CJ . . " ~ , . " . " CA 01,80 0790 THIS ENDORSEMENT CHANGES THE POLICY: PLEASE READ IT CAREFULLY. '.. . \." '.' PENNSYLVANIA CHANGES .,u, . ~ 'Thlundolleinentmodllleslnsuranceprovlciedunderthe'fOlibwl~'0: .' "'..' ""::: ,..',.,' :', ';" .. ":,'J ;', '. .: . ~' . "~" . . ...;.) .,': BUSINESS AUTO' COVERAGE FORM : '..'., /: ...., -(. : ,'P GARAGE COVERAGE FORM ' '. "";i""d;f:i.:":,",.',, " " ';, ;' TRUCKERS COVERAGE FORM .,; · . .' "" . , . . " .' ;~ ) "<' . _.,' '.' : "__~:, ,", ~..~'..._ .... ',~');'.1,~1 <.'~". '. . For e coVirect' 'Iuta' IIcsnsed or prlnclpellV glraged In. 'or 'geri~eoPeiiiJon" condIiCteiiln;):oenilavtVenll. thl 'CoVerage Fonn II liftlrigld II follows: . ,';.:;, ";i"" ,;,;l ' ~''.,}.. ,,',". ' e', .,'....". . ':0 ,". . 'I( ":'~ ."';~: ..'':;''. ~..~~..!.' ..,.? :.*..:.... ~..'. . .:.. . ,A..CHANGES"IN,CONDITIONS, . ,.' '..'",' \,:,,:." :.:" ,t,,' }i;-, . "The'followlnglsldded,tothIGENERAl.'CONDITIONSleCtlon:" ,.:-:. "":,''1'' -t.,::;,:: " i ': .. : , CONin1TU'i10'NAi.iTv CLAUSE . ' , ". ';;~:',,' ~i,';, '~' :'::' ':: '::i, , :,.'.'~: . .. " " ";, The pren:;lum for.lnd the ~ove~ge~ 01. thllcoVenige):;;~}~ve~~n"NtIbll.hidln ;'il8ocs upon the ,~' :, ":'.':,, .. p{6vlslonl, !Jf~~;P~nnsvlvlnll MotorVehlcleFlnln!lIl!IR~PO!!,lbll,~"I;a\V..;: r,:" ,..~: '~.' , "''Ii> .In the event I court. from which thlre 11 nO,lppell; dlClel'8l,or ente.1I 1',Judgment, thl effect of which iii to '\, render the provlslonl of lucih ItIltutelnvlUd or uilenforcelble In whQle'or In pert:'We Ihlll hive the right to ~ . i'ecompute the premium plyeble for the Coverlgl Fonn and :ltol~ ~r. i1ni~!Id th, proo.:lllonl ~of .the. Coverage ; . Form. .ubJect to the spproval 01 the Insurance Commlaloner. ' , " ' , ; '. . " . .' ..~ It. . " .. . .' ,~ ....... -(,t, , " . . . .c...... '-;0 r;,.', " .-. . .. ";"'.:' " , '. ~., " .... . '. , " '. ::-:T- ,'" ;;.~ .- .- . .' , ' CA 01 80 O~ 90 Copyright, Insurence Services .Q.ff1ce. Inc.. 1990 . Cl " . . . f...,--~--~.. ,.<c' ,< CA 21 06 07 90 THIS ENDORSEMENT CHANGES THE POLICY, PLEASE READ IT CAREFULLY. PENNSYLVANIA UNINSURED MOTORISTS COVERAGE-STACKED For a covered .auto. licensed or principally garaged In. or "garage operations. conducted In. Pennsylvania. this endolHment modifies insurance provided under the following: BUSINESS AUTO COVERAGE FORM GARAGE COVERAGE FORM TRUCKERS COVERAGE FORM A.COVERAGE 1. We will 'pay all sums the .insured. Is legelly entitled to recover as damages from the owner or driver of en .unlnsured motor vehicle." The demages must result from .bodlly injury" sus- tained by the .insured. caused by an .accl- denL. The owner's or driver's liability for these damsges must result from the ownership. malntensnce or use of an .unlnsured motor vehicle." 2. No judgment for damages arising out of a .sult. brought against the owner or operator of an .unlnsured motor vehicle. is binding on us unless we: a. Received reasonable notice of the pendency of Ihe "suit" resulting in the judgment; and b. Had a reasonable opportunity to protect our interests in the .suit." B, WHO IS AN INSURED 1, You, 2, If you are an individual, any "family member." 3, Anyone else "occupying" a covered "auto" or a temporary substitute for a covered "auto." The covered "auto" must be out of service becsuse of its breakdown, repair. servicing, "loss" or destruction. 4, Anyone for damages he or she is entitled to recover because of "bodily injury" sustained by another "insured." C. EXCLUSIONS This insurance does not apply to any of lha follow, ing: 1. Any claim settled without our consent. 2. The direct or Indirect benefit of any Insurer or self.lnsurer under any workers' compen88tlon, disability benefits or similar law. 3. Anyone using a vehicle without a reasonable belief that the person Is entitled to do so. D. LIMIT OF INSURANCE 1. Except as provided in the following psragraph, the most we will pay for all damages resulting from anyone "accident. is the LIMIT OF IN- SURANCE for UNINSURED MOTORISTS COVERAGE shown in the Declarations re- gardless of the number of covered "autos: "insureds: premiums paid. claims made or vehicles involved in the .accidenL" ' However, if "bodily injury" Is sustained in an "accident" by you or any "family member: and there is more than one covered "auto: our maximum limit of Iisbility for all damages in any such "accident" is the sum of the limits applicable to each covered "auto." Subject to our maximum limit of liability for all damages, the most we will pay for "bodily injury" sus' tained in such "accident" by an "insured" other lhsn you or any "family member" is the LIMIT OF INSURANCE for UNINSURED MOTORISTS COVERAGE shown in the Dec- larations for the covered "auto" the "insured" was "occupying" at the time of the "accident." This is the most we will pay regardless of the number of covered "autos: "insureds: pre- miums paid, claims made or vehicles involved in the "accident." However, no "Insured" will be entitled to re- ceive duplicate payments for the same ele- ments of loss, .-.... ." ....,.... ~. .~ .. CA 21 06 07 90 Copyright, Insurance Services Qffice, Inc.. 1990 Page 1 of 3 0 , C'A 21 06 07 90 2. Any amount payabla for damages under this coverage shall be reduced by all sums paid by or for' anyone who Is lagally rasponslble, Including all sums paid for the sama damages undar this Coverage Form's LIABILITY COV. ERAGE. 3. Any amount paid under this coversge will reo . duce sny amount an "Insured" may be pald,for, .i .' theume damsges under this Coverage Form's ' LIABILITY COVERAGE. E. CHANGES IN CONDITIONS The CONDITIONS are changed for PENNSYLVANIA UNINSURED MOTORISTS COVERAGE. STACKED as follows: .. " . 1; DUTIES IN, THE EVENT. OF ACCIDENT, CLAIM, SUIT OR LOSS Is chsngild by adding the following: . . . "" ..Promptly.notlfy the pollce'lf a hlt.and.run driver Is Involved, and I . b. Promptly sand us coplas of the legal pa- pers If a "suit" Is brought 2. TRANSFER OF RIGHTS OF RECOVERY AGAINST .OTHERS TO US Is changed by adding the following: If we make any payment due to an "accident" involving sn "uninsured motor vehicle" and the "Insured" recovers from another party, the "Insured" shall hold the proceeds In trust for us and pay us back the amount we have paid to the extant such payment duplicates any amount ws have paid under this coverage. 3. OTHER INSURANCE is replaced by the fol- lowing: .. If thara is other applicable similar Insurance available under more than one Coversge Form or policy. the following priorities of recovery apply: First The Uninsured Motorists Coverage applicable to the vehicle the "insured" was "occupying" at the time of the "accident." Second The Coverage Form or policy affording Uninsured Motorists Coverage to the "insured" as a named Insured or family member. b, If two or more Coverage Forms or policies 'have equal priority: (1) The Insurer against whom the claim Is . flral made ahsll process and pay tha cis 1m as If wholly responsible for ell Insurers with equal priority; " (2) The Insurer thereafter Is enlltled to re- cover pro rata contribution' from any other Insurer on the same level of prl. orlty for the benefits paid and the costs of procaulng the clalin;,~!t~: (3) If we are the Inaurer 'against whom the claim Is first made. we will pey, subject to the limit of Insurance for Uninsured Motorlats Coverage show;lln the Dec. '.' laratlons. after !ill contributing inaurers agree' as to: (a) ,whethar the:~in;ured""slegallY en. . 'titled' to recover dsmages from the ownar 'or driver" of an "uninaured " motor vehicle"; and .... (b) the amount of damages. 4. lWO OR MORE COVERAGE FORMS OR POLICIES ISSUED BY US does not apply, 6. The 'following Condition 15 added: ARBITRATION 8. If we and an "Insured" disagree whether the "insured" is legally entitled to recover damsges from the owner or driver of an "unlnsurad motor vehicle" or do not agree as to the smount of dsmsges. elthar psrty may make a written demand for arbltrallon. Each party will select an arbitrator. The two arbitrators will select a third, If they cannot agrae within 30 days, either may request that selaction be mada by a iudge of a court having jurisdiction. Each party will pay the expensas It incurs and bear the expenses of Ihe third arbitrator equally. b. Arbitration, shall be conductad in accord. ance with the Pennsylvania Uniform Arbl. tratlon Act: Unless both parties agree otherwise. arbitration will take place In the county In which the "Insured" lives. Local rules of law as to arbitration procedure and evidence will apply. A decision agreed to by Iwo of the arbitrators will be binding. , , .-.... ... CA 21 06 07 90 Page 2 of 3 Copyright,. Insurance Services Qffice. Inc.. 1990 . " ... 00 D CA 21 06 07 90 . F. ADDITIONAL DEFINITIONS The following are added to Ihe DEFINITIONS Sec- tion: 1. "Family member' meanl a person relsted to you by blood. marriage or adoption who II a resident of 'your housahold. Including a ward or foster child. 2; 'Occupying" meanl' in, upon, getting In. on. out or off. 3. "Uninlured motor ve,hlcle" meanl a land mo- tor vehicle or trallar: e. For which no liability 'bond or policy ap- plies at t1ie lime of an "accident.' . ~.' .\ b.., For which" an Inlurlng. or bonding com- pany: (1) den lei coverage; (2) II or becomes Insolvent; or (3) Is or becomes involved In Insolvency proceedlngl. c. That II iI hlt-end-run vehicle and neither the driver nor owner can be Identified. The vehicle must (1) hit an 'Inlured: a covered "auto" or a vahlcle an "insured" is "occupying"; or (2) cause an "accident" resulting in "bodily Injury" to en "Inlured" without hitting an "Insured: e covered "auto" or a ve- hicle an "Insured" Is "occupying." II there is no physlcsl contect with the hll-and-run vehicle. the facls of the "acci, dent" must be proved. However. an "uninlured motor vehicle' does not Include eny vehicle: a. Owned or operated by a seif-Insurar under any sppllcable motor vehicle law. except a salf.lnsurer who II or who becomes inial- vent and cannot provide the emounls re- quired by that motor vehicle law; b. Owned by a govemmenlsl unit or agency; or c, Designed for use mainly off public 'roads while not on public roads. , , . . .' " , , . "." . ~, . t 1 .---."...~... -~..- ~ .r . CA 21 06 07 90 Copyrighl. Insurance SeNlces Q,ffice. Inc.. 1990 Page 3 of 3 0 , . . . . . .' . ~ . , I . I 1 i , I . . ) CA 21 91 07 90 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ' , .~ . ......:'! PENNSVLVANIAUNDERINSURED MOTORISTS ":"':, .~:" ,:r ::;,'~~~', "COVE'RAGE - STACK.ED "~l:' ."it....i ".' j . ~t ~ .' \ I'. , .. . F!Jr II C.!w.llre\!. .~,~I~;Ji~e.:;t~~d, or.JlIi~clpall.v garaged in. or .g~~ge op~rations~ co~dl.\cted in. Pennsylvania. this e'1~o!1!l\n:'em,1'1od!f'lI!'Jn,,}!~,!ce ~rE',~Ic!.ed under the followllig: . ".. " . .. ':,/ ':,', , ,~. :....,! -l _I':"~";. ,.... ,o,.aUSINESSAUTO'COVERAGE FORM GARAGE COVERAGE FORM ri::;" , TIt~~!<E_R~ F91'~!'tP"!3~ FQft,M, II : fa;t!";'!J. ,v.. 'I;.. ~l':', .'b~l'H ,e;. ..i .......:.. ~ 'COV.ERAGE ;c", lollI: ,'h . ',: 'it-We ~~I:P.!iY'~1l sy!rlnlie'~ln.s.lied. is legally . 'llntitled to recover alt dSfllall.es"rom the owner or'dHV'er'of an '''\Jhderlmiurecimotor vehicle,. ',... ":'/'fte darTtages,niust;result from'':bodlly Injury" 0'; 'll-SUstBlnedlbythe'~1nsurell.,lcaused by an .ac. '. ,cidenL. :The' owner's or'driver's liebility for these damages must result from the owner. ship. malntenance,or.'us" of an ,"underinsured '''1:.1 ...' .. .. ' \ :,;,. T~~~r VfJ.I' ~.I1!'=. . :-.~' '.;.: ~.f' . '2, .~e )/VIII. 'pa,y ,iill ~I,irns the~in,sured" is legally . entitled to recover as damages from the owner or drhilir'of in '.underlnsure'd-motor vehicle" only after all liability bonds iOl'policies have been exhausted by judgmllnts or payments. 3. No jUdgment:'for damag~s arising o'ut of a "sult~ brought,egalnst ,the owner or operator of an'.underlnsured motor,vehicle" is binding on us unless we: ,,- :..,,' " ; a.' Received ' reasonable' notice of the pendency of the .suit" 'resulting in the judgment; a~d ' b. Had a' reasonable opportunity to protect our Interests in lhe .suit." . '. ~ B. WHO'IS'A~INSUREO 'I. , . 1. You. -'- ;,~, ..!!: '.. ' 2. If you are an individual, any ~family member," . . . . J', J . 3, A(lyone else .occupving" a covered "auto" or a temporary substitute for, a covered "auto," The covered .auto" must be out of service because ,of its breakdown. repair. servicing. .Joss" or. destruction., . 4, Anyone for damages he or she 'is entitled to recover because of .bodily injury" sustained bV another "insured," n .,."". , , ' , , " ",J ~) ....... " . ." -:.., " '...' J ", C. EXCLUSIONS:-: ':/ ,.;., :,...j' ,:,~I{J This insursncit..does not apply to any of 'the 101l0w. 'Ingo".' . .':,' , '. 'r' . . ',-.,"!: I 0'" .. '. .'. ".. . .- . 1. Any claim settled wilhout 'our consent. '" . " : "2: The dinlct or lndlrect'beneflt Qf'li~v:liisur~r or · . self. Insurer under any workers' compensation, disability benefits or similar law. 3. Anyone using 8 vehi!lle wit~out a'ressonable belief that the person is'entltled to do so. 0: LIMIT OF INSURANCE I:' , _, 0' #..' 'I 1. Exceptss provided in the follo~il'g p~'rsgraph. the most we will pay for all damages resulting from anyone "accident. Is' thu'LIMIT OF IN. SURANCE for UNDERINSiJRED MOTOR, ISTS"COVERAGEshowri In the Declarations regardless of the number of covered -autos," .insureds," premiums paid. claims made or vehicles involved in the .accldent.. However. if' "bodily injury" is sustained in an .accident" by you or any "family member," and there is more than one covered "auto," our maximum limit of liability for all damages in any such "accident. is the sum of the limits applicable to each covered .auto.. Subject to our maximum limit of liability for all damages, the most we will pay for "bodily injury" sus- tained in such .accident" by an "insured" other than you or any "family member" is the LIMIT OF INSURANCE for UNDERINSURED MOTORISTS COVERAGE shown In the Dec. larations for the covered "auto. the "insured" was "occupying" at the time of the "accident." This is Ihe most we will pay regardless of the 'number of covered .autos," "Insureds," pre. miums paid, claims made or vehicles involved in the "accident." .- .: .' CA 21\91 0790' .c;:oPVright, Ins!lrance Services .Qffice, Inc.. 1 ~90 Page 1 of.3 0 However. no ,"insured' will be entitled to re- i',;, ceiile dUfPlllcate~paymenls for thl!,;sam~ ,ele-' ~~. ,.' ; , ments o. ass. '. ..~ :,f', ,'....j -, '. "'{ , : "2, Any a'!l!lunt payabl~ for damages under'th,is' .' ~ . . , "~'1i coverage -shall be' reduced by all sums paid ..' .,' by' or for anyone, who,' is legally responsible. :,:<;,t'""..;;. I I" inc'luding.all,$ums, paid for the .same damages ~~~;'i"tr k~l urideiithls:~venige,:F~an\~IAB1,LI~ '~Ol(~~i ',;;<..'1,; '...'.', ,',. ERAG.E.. '. r(> ,;, " . ':.. . .. 0" ,_' ':r. "l... " '-.' '."' ',::~:,,:....,,~~ .3. Any amount paid un~er thiS coverage will re.)' :"fI". ~"'..... 'dues anyamount an "Insured~ may be peid for' \i,; t ~7:~ '~:"" the ~'!le,damag\lSui1de~,~~.ls Coverage Fo.rm'~ .,~~~ ,~ .,., L1A.BI~I!Y',fOYERAGE. '.:.. -.: , ~.1:(~~)E;~H~r.aG'ES IN'c;~NDn:ION,!;~;: ':'- :,(;,~., J;l~\oi.; Ttie,,00NDltIONSaritChanged fod~ENNSYL.VANIA " ',. :~'; 'UNDERINSURED' MOTORISTS" COVERAGE ,:' , ,~ ' ST^CI(ED f II" . . .. . . . \ (l ..., ':\,,1,; !I111 0 !l~~; " :'- 1', '. : '::'-\l~" " '~.~., ~;~,~:,;~;,.1:i,Pujlli~(.IN ~JH" EV,~T:, 9f ACCIDENT. . , ':: .' .-.;1:;'11.iCIAI,~ISlflJ};)R .Lg~S Ischanged'bY,adiilng . ., " , Ihe folloViip\!l', ..',..,. ' (. , ", Prpmpyv ~r;id "',5 copies of, the legal pape.rs if . : .", 8. )suit !s .~ro':lght. ~. i';" :-:' '.' . 2. TRANSF.ER . OF' 'RIGHTS:- OF : 'RECOVERY . . 'AGAINST OTHERS TO US is changed ,liv" , ;!, addiriQ t\lli following: '..... : . ,~',' ',' . ,,' , ...,'li,we;~~e'l!nf. payment due to an',"accldent" , -.' ,', ~;Inilolvirigiin "underlnsured motQrvehicle" and ".. ., ': ~r,,,:, t~e "In~ured" rec~liers fr!Jm aj,oth'e~ party. the · " " :' ~lOsured",shall hold theoP-roceeds 10 trust for , : "us and pay' us Qack the amount we,have paid ',' to the extent 'such payment duplicates any amount we have ~ald under this coverage, 3. OTHER INSURANCE is replaced by the fol- lowing: a. If there Is other applicable similar insurance available under more, than one 'Coverage Form or policy. lhe fOllowing priorities of recovery spply: First The Underlnsured Motorists Coverage applicable 10 the vehicle thl! "Insured" was , "occupying" at the time of the "accldent."; . , The Coverage Form or ' policy 'affording' Underinsured Motorlsls Coverage to the "Insured" aS'a named insured or family member, 'CA 21'91 0.7'90. :,1 ' , ' "".1/'," ~:~::~.:,.~ . . , '" ' ,. .. : Second .. '41 f '" : Page 2 0 3 b. If two or more Coverage Forms or policies ' !, hav" eqdal priority: : :"... ,: , (1) The insurer again;t' wh~~' th~ claim is . first, made shall"p!oceSs..'and pay tha ' claim as if wholly' resp'onsible for all insurers with equal prioriiy; .. :' ' (2) ,T~e '!1suret'jh!'w~ftli'i;'iS' entli1.ed t!,r~~ .,. , cover. pro:"rlIta'lcon{nbulion frllrn~f1Y: .: other Insurei' oh '.the same ,Iavel~of: pri-" ,':. oril'( fotthe'beriilflts'paid.and thaCDsts ';;.. ,of proc;esslnli tho'clalm;'and;" . ,\~~" " '-, . . .. ". "''\ ~. .... '''-.' - " " (3),lfwe'lireihe Insureragalnlitwho'm the ~. -. '..... l' . claim Is first made. ,we will pay. sUI1JQCt , ' , ,'to lhe. ',Ilmit\. of: "'lnsur8nce~.,a'N .' ,'!. , ,;, ,!.JJ:lderi(1sur!'#,...,Pt1oiP.!~.. .~~ffl'Qe,. . :" , ,S~O~{1 1~,;~..l)ecla~lrorJp..~41JJerl'all. , ' , -~pnlpb,r,!tlOg !"Jur~rs s,~re!t>~~ ~~,:. '" ; . :' ,,,: ..(a) ',whether.the:"insurogT.i.ls.1eIl6I1y an.- /. :", _ t :.,itt,tItled-ia recovorlpilailliges'froin~\h~: .." owner 'ot:driver tit'ah' "underinsured ... motor vehicl,e-: ~rid "',~)..., ~,,; !.: ..:., . '(b): the ?m.oii~{6fd~m~~~<;:::~~ I" ,:" ~, . TWO OI:l'';MORE..COVI:'Rt-G'e' FO!l~,S. OR, . ." POLICIES 'ISSUED BY. US d!ies notappl"." . , .....: .;" .:. i..-.:' ct ~~. '",6. The 'ollow!ng.co/lqitlon Is.e~ded: . .. ARBITRATION,: " ,r. ;.'....:.: ", ,;: a. If we and: an ::in'sured...'l:llsagree.'whether , the'insured" is ,legallY enlltled to recover damages from the 'owner or'driver of an "underinsured 'motor vehicle" or do not agree as to the amount of damages. either party may make a written demand for ar. bitratilin, Each pany will select an arbilrator, The two arbitrators will select a Ihird, If they cannot agree within 3D days, either may request that selection be made by a judge of a coun having jurisdiction. Each party will pay the expenses it Incurs and bear the expenses. of tha third arbitrator equally, . , . ' b. 'Arbilrlltion shall be' conducted in accord, ance with the Pennsylvanie Unlfo'rm Arbi, tratlon Act. Unless both' panies agree otherwise. arbitration will take place In the cbunl'( in' which the "insured" .Ihills,. Local rules of law as to arbitration procedure and evidence will apply, A decision agreed to by two of.the arbitrators will be binding, " , . 't') I I '. . eo ',' -~ .. 'Copyright. Insurance Sdrvices Qffjce, Inc" 1990 CA'Z1 91, 07'90 ", . '. .. ~ " o , \ F. ADDITIONAL DEFINITIONS " However. an, ~underjnsured motor vehicle", 'does' . . The following ere 'added to the DEFINITIONS See' not,lnclude any"vllh~~le: . , ,,". ,,'? ..: tion: ,'. ,". " " "a. o,wned or operated by a self.insurer unde( ~}..it. ".'," 1" "Faniliy m~mber" 'means a. persp'ri releted to' ' any app~c;:ab'e motor v.hlcle,le~) .'. . i' :, :' ,. ~.',.,' ':' you by blood, 'marriage or. edoption who is. a .' " : ' : '! b:':Ow!led, by a governmentar; ~I)i,t or agency;';' J' {, .;~:' .:"';;:":.Rlsldentof your household. including a ward ,,',', 'Qr ..: . '"";,, ,:~ ':, ,,:J~ ' i:" ~ ',I;, ,~,~ ,"orfoltBrc:I1i!d",: ,', ' "~'I'~" ;'0, Dosl911edfor'u.e mslnly'off~i1bllc; roa'ds, '~'4 r~:,~~::':., , . 2~:~Oc;(:u~lng"'meiins l!l. upo';' gettlng.in....on.. , .' while. not on public rosds.: " .:,;.;~ ~. (';:.' ,'. out or off.~ :. {." " .". ., . . ." ., .',,::",!.. . ';j,~ ~::...', :. " .:~.,::FU~deri'riiuriidri1otor vetilci~" means a ~ithlcle .,~ :'~~... .,' '.:- .' .<" ";E; ;,' ,'. , for Whlch.....he sum of all lIablllty bonds or '.':; ,'... ;', ..~'h: . ....' ..', poIIcIOSthar~ppJyatthetlmeof:,n"accldenr.", ' ... ~:~:\":,,,.,,~Ar', ' . :~,; ~!:,~. ~ , . do.,not, proylde at l~a81.the'amOu'1t an "in., '. ~,:;, :-t:l1.:. ,," ~~"',', .,ti', .',;" ..:,'....~ ,,:\~ ". sured~: III legally entitled ,to,rl!Cover os delT!' ,:;" ': ';, ". '/-' "":: :;:': (\,.....' , . J'''' ....". . .... . ageS.. ~ . . f ~.'.' . ..... ,.f'. . -/-.. r,.. 1''-' ",'.,;, .:,.'F~~; . '. .f. ;. . .:'" . . .'~,'" .' , ','.....).:<t,.,..;..., ,( .. .. .~." .... . . ;~-. '. :' it.: . ' ,.,.r;. c': .' . , ..:".... ;.. .-. "~'r;.. :t::, . ',. ," ~,;i, . :..;'};,:, '. ~. ". f.r' .;.,~....... .... ~.o;'.~ -, .,'" -I ", ,. ~f., . ..' .1 . . .....-.., ....., :;. """\.1 ~. ~..: '. \ t" " ~ .:! .' .. .'\. . - ..~..; I'. ~ ,"\ , " . ' " ,',., ~,.. ~ i~' . ;~;. " . " ,',;" '1 "". '; ,t " ,.<4.., .' : " " , , ~..' :' . .,. , .. .' " . '. /. !. " " . " . , ,:( I. /.!.: ,.. , .. " ... ,,\,, CA 21.9107 lio '. ; " .1.. '.;' ;1." __.. Copyright. Insurance Services .Qfflce. In~:. 1990 ' ., .' .. 't', . ." :'"'(-' ;.:.. ,0" ',r' ;..' c;A 21 91 07 90 " ;.~. ' . .0; .....1. ;_~.. ."~. f-:: :....;.. '-.. . \'" I.. ,,'~ l.~' ,.;. ",Uff'; ~".....~... 1/ , '.~. '. ".'i1'.' :tj{ :'_:.~:' 't", ':""~' " '. \. .'"'-..' . , ....~. ..:~~ '" ...:<-~~~.' .~. . .\.~ ...:9.:u" ".,1(, ~".,...fi""(1I"j":;1""'~'f,;f.."': :.'.,' ':"~~:' ~;~.I:;.;,~~'.f~ I' i'. 1 .... ....'t-.../". ';Jr- . ...... .. :.'-;.' .. .,'.'.. .. :.:'. .' . ..:'..,. .... 'J~... ~\J~' , 'II" '~,I'''' ..... 'J .,. y;. "l:( ~ ;. .. "'\'~'':'o ~'.' i '-, :-'1 ,t(,~ .. "~, ',~' . .. ': ;":': . -it.' .: .:' ....... . '~ . .t~ '. ," -.J>' ._.. -~. , , , , ," " PJlie3 of 3 Cl ...." ,', ." , . . . . ~a." . . ....' :.;: ;,.:" ..' .~f.:. : . . It. '.. ~.~f:~f .~...Ij:\:h ,~. ~~, ~'. ."..f'.... .,-:~.~ :'1:: J.~~~;~:," . ", : :'.:.i . ,.. ; ;'" .'.... .~~.. '.~.. :" . ~ :t' ~".. ..:..~.., ;'";Mt.. ~.. ;:.,".L .,:'~;:'f; r" ','vo . . ". . . ;";. ...c. . . '. .' . _.,.. t" ,. This endorsement does not apply to coverage provided for empl!lYee dlshones!y' (tc)yerag~ r:OQn A)'or ~i~,:: llubllc employee dishonesty (Coverage Fonns 0 and p). ' ."'. '. .' , .' . ...) ;;jao..' A. The CANCELLATION Common Policy Condition c. A condition, factor or loss experienCe ma" . Is replaced by the lollowlng: terlal to Insurability has changed'.liubsian-: CANCELLATION tlally or a substantial condition, factor or , , loss experience material to Insurability 1. The first Named Insured shown In the Decla- has become known during the policy pe-. rations may cancel this policy by writing or rlod. Notice of cancellation will be mailed giving notice of cancellation. or delivered at least 60 days before the 2. CANCELLATION OF POLICIES IN EFFECT effective date of cancellation. FOR LESS THAN 60 DAYS d. loss of reinsurance or a substantial de- We may cancel this policy by mailing or de- ' crease In reinsurance has occurred, which 1I'/erlng to the first Named Insured written loss or decrease, at Ihe time of cancella- notice of cancellation at least 30 days before tlon. shall be certified to the Insurance the effective date of cancellation, Commissioner as directly affecting In- 3. CANCELLATION OF POLICIES IN EFFECT force policies, Notice of cancellation will FOR 60 DAYS OR MORE be mailed or delivered at least 60 days If thl II h b I belore the effective date of cancellation. s po cy as een n effect lor 60 days or more or II this policy Is a renewal of a policy e, Material failure to comply wllh policy we Issued, we may cancel this policy only lor terms, conditions or contractual duties, one or more of the following reasons: Notice of cancellation will be mailed or delivered at least 60 days belore the el- a, You have made a material mlsrepresen- lectlve date of cancellation. tatlon which affects the Insurability 01 the risk. Notice of cancellation will be mailed f. Other reasons that the Insurance Com- or delivered at least 15 days belore the missioner may approve. Notice of can- effective date of cancellation, cellatlon will be mailed or delivered at b Y h ' II d t I h least 60 days before the effective date of . ou ave ,s e 0 pay a prem um w en cancellation. due, whether the premium Is payable dl- ' . rectly to us or our agents or Indirectly un. This policy may also be cancelled from Inception der a premium finance plan or extension upon discovery that the policy was obtained of credit. Notice of cancellation will be through fraudulent statements, o.m!sllt~n~..E~, mailed at least 15 days belore the elfec- concealment of facts material to th'e' acceptance tlve date of cancellation, of the risk or to the hazard assumed by us, BOILER AND MACHINERY COVERAGE PART BUSINESSOWNERS POLICY COMMERCIAL AUTO COVERAGE PART COMMERCIAL CRIME COVERAGE PART" , COMMERCIAL GENERAL LIABILITY COVERAGE PART , ,COMMERCIAL PROPERTY COVERAGE PART " , COMMERCIAL INLAND MARINE COVERAGE PART FARM COVERAGE PART LIQUOR LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS/COMPlETED OPERATIONS LIABILITY COveRAGE PART , , ' . .'. "'I~ ~'(:'.!~. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. .,. . ' . ~ '. 'l; ,," ",~: ':~,:",' ,:t~~I-:i ..,..,. .... ,.... :'.t''''' .... '".,~ . '.'l:" r """'" ",~,.'!~::~("~~ . ;' "..... .1,:,' "~"~ '. 'It.. ,.., "l'!'i ; 1., . ."'.' i~~:.. . ".: .,... '. , " PENNSYLVANIA CHANGES. CANCELLATION AND NONRENEWAL ~i , ',' It.... ...;.~. .'1;;' , This endorsement modifies Insurance provided under the following: " ;;':.. " .. . ' " .~ -;. :; ,'.. (t. ~, I. ~', ~. . I' ' (~ '. '. " , 1,-., . , , .. .'. .,' ~:}, . " '. : ~ . . ..- .- . ~~" IL 02 46~06 89 Copyright, Insurance Services Office, Inc., 1986, 1989 Copyright, ISO Commercial Risk Services, Inc" 1986,1989 Page 1 of 2 '"0 .., . .,.. ~ I:" .,. " ... .'. ".": 4. We will mall or deliver our notice to the first Named Insured's last mailing address known to us, Notice of cancellation will state the specific reasons for cancellation, 5. Notice 01 cancellation will state the eltectlve date of cancellation, The policy period will end on that date. ' 8. If this policy Is cancelled. we will send the first Named Insured any premium relund due, II we cancel, the relund will be pro rata and will be returned within 10 business days aner the errectlve date 01 cancellation, If the first Named Insured cancels, the relund may be less than PI1:l rata and will be returned within 30 days aner the errectlve date of cancella- tion. The cancellation will be errectlve even II we have not made or altered a refund: .- .-.... 7. If notice Is ",ailed. It will be by registered or first Class mall. Proof of mailing will be'suffi- " clent proof of notice, 8, The following are added and supersede any , proVisions to the contrary: 1. NONRENEWAL , . . ". .... . '.~": '. Ilwe decide noUo renew this policy. we will mall or deliver wrillen notice olno/lrenewaJ,--statlng the specific reasons for nonrllnewal. to Ihe first Named Insured, atleas~ 80, d!l~ before t~. expi- ration date 9lt~e pollw.;" . ~''',-' " 2. INCREASE-OF PREMfuM / II we In'crease your .renewal. premium.. we will mall or deliver to the 'first.Named ,Inlured:,', .- , ., .,...,. '1" ~ a.' a. Wrillen neltlce'of our Inlen.t to'lricreaie the , premium at'!e,i1st ~}lay.;bef9nt', the, et- 'Iectlve date of th, p,remlulliJntreaae: and . '. ~ . '. ". ., 'J '. .1, I .' "1 '.. '. ;b. An estimate of; the Incre~.e, at least- 30 . days before the erreCtlve 't;late 'or premium Increase. ' . .... ..~ "." .. ':l'~~;."-'''' .~". ~ Any,notlce of nonrenewal.or,l'1lnewal prel"h.\mln. crease will be mailed or 'delivered to the first fol'amed 'Insured's last known address~ II'notlce .Ii mailed. 'It will be by registered ol"llrst claii'mall. Pr06f of mailing will be sufficient prool QI notice, ":: . ~. ., . J ... ~ . '.' " ,< , .' , , ' " ~.J .... ~ ~~. ..... Page 20f2 . Copyright, Insurance Services Office. Inc,. 1986,,1989 Copyright, ISO Commercial Risk Services, tnc" 1986, 1989 IL 02 46 06 89 . , . '. . c , . .' ~ . 0,' ,. , to,' " ". l.. I,,' "'.,. ~;t . .~~..~ .\... . ...:." " ......~. 1t. . ',,' .,....1 " "So'. :11 " '... t', ~ " , \' .JB1. PENNSYLVANIA NOTICE IL 09 10/KO 291 i .m~ @) .0.. An Insurance Company, Its agents, ~mployees, or service contractors acting on Its behall, may provide services to reduce the likelihood 01 Injury, death or loss. These services may Include any 01 the lollowlng or related services Incident to the application lor, luuanee, renewal or continuation 01, a policy 01 Insurance: " .' 1. surveys; 2. consultation or advice; or 3. Inspections. '" th The "Insurance Consultation Services Exemptlon'Act" 01 Pennsylvania provldes that the Insurance ComPa,ny, Its Igents, imp\oytes or service contractors Ictlng on Its behall; Is not liable lor damages lrom Injury, death or loss OCCUlli,ng es I result 0.1 any act Dr o!"lulon by any person In the lurnlshlng 01 or the lallure to lurnlsh these servtces. . . ,.,' ~ , The Act does not apply: " . . ;.:. :. 1. II the Injury, death or'loss occurred durtng thnctualperformance 01 the servtces and,was ~u~ by the negligence 01 the ' Insurance Company, Its agants, employees or servtce contractors; " ' ':.. . "'0 ..... . to Consultation services required to' be Perforinacl'under I written servtce contract not related' to I poilcy ol.lnsUrance; or I . ...".. .~."'" ..::...' . . . . ." II any Icts or oinlulons 01 theJilsuia~ce CompallY, Its Igents; e~ployees or service con~ctors ,ire J~~IIY ~e\in:nlned to constitute a crtme, actual malice.. or gross negligence. ' .' .: .!"" , . " . ; ': , .' ,. .. ;" . 0" ' iI ~/... . . .' ,'" .~.' . ..... ,\';' .. :"\',", 2. 3. ; ..... . '". .' . - " , " '. " ;:-,- ':":' Instruction ,. PollcJ Wrltm AI\Jdt the hMsylvanll NoUco I. an now and nnewal poIIcIts and ItflIWII certlflcalls Insutfn, rlsb locaIod In PonnsyIyanil. l t if I I; .- It 09 10/110 291 (Ed, 01 81) THIS POLICY CONSISTS OF - . DECtARA TIONS, e COMMON POLICY CONOITIONS. . ONE OR MORE COVERAGE PARTS. I A Cover.ge P.tt consists 01 - . a Coveralle Form. . applicable endorsements, , COMMON POLICY CONDITIONS AI Covnge ParIs Included In this policy 8IIl subject to the following condltlons. A. CANCELLATION 1, The flrs1 Named Insured shown In the IleclaratIons may cancel this policy by maIIlng or delivering to us advance wrlllen notice of cancellation. 2. We maY cancel this policy by malting or delivering to the flrs1 Named Insured wrIllen notice 01 cancellation at least L 10 days belOl\l the effecllve date of canceIIalIon If WI cancel for nonpayment of premium: or b. 30 days belOl\l the effecllve date of canceIIalIon If WI cancel for BtrI other reason. 3. We wID mall or deUver our notice to the first Named Insured's last malting address known to us, 4, Notice 01 cancellation will state the effecllve date 01 cancellation. The policy period win end on that date. S. II this policy Is cancelled, we Will send the first Named Insured any premium refund due. II WI cancel, the relund win be pro rata II the first Named Insured cancels, the refund may be less than pro rata The cancellation wlU be effectl\'ll even If WI have not made or offered a relund, 6, II nollce Is maJIed, prool 01 maftlng will be sulllclent plOOf 01 no1lce. B. CHANGES This po6cy contains aft the agreements between you and us concerning the Insurance afforded, The first Named Insured shown In the Declarations Is authorized to make changes In the terms 01 this poUcy with our consent This policy's tenns can be amended or waived only by endorsement Issued by us and made a part 01 this policy, C. EXAMINATION OF YOUR BOOKS AND RECORDS We may examine and audit your books and records as they relate to this policy at BtrItlme during the policy period and up to three years allerwanl. D. INSPECTIONS AND SURVEYS We have the right but are not obllgated to: 1. Make InspectJons and surveys at BtrI time; 2. GIve you reports on the condhlons WI find; IIld 3. Recommend changes. Arrt inspections, surveys. reports or rec:ommendalIon relate only to Insumblllly and the premiums to be charged. We do not make safety inspections. We do not undellake to perform the duty of BtrI person or organlzalion to provtde for the health or safety 01 workm or the publlc. And WI do not warrant \hat conditions: 1. Are safe or healthlu1; or 2. Comply with laws, regulations, codes or standards. This condition applies not only to us, but also to BtrI rating, advisory, rate service or similar organization which makes Insurance Inspections, surveys, reports or recommendallons. Eo PREMIUMS The first Named Insured shown In the Declarations: 1. Is responslble for the payment of aft premiums; IIld 2. Wdl be the payee for any return premiums WI pay, F. TRANSFER OF YOUR RIGHTS AND DUTIES UNDER THIS POLICY Your rights and duties under this policy may not be translerred without our written consent except In the case oj ,~eat,~, 01 ,80_ _ Individual named Insured, - II you die, your rights and duties will be transferred to your legal representative but only while acting within the scope 01 duties as your legal representative. Until your' legal representative Is appointed, anyone having proper temporary aJstody 01 your property will have your rightS and duties but only with respect to that property, tnclud" copyrighted m.terl.' of Insurance s.rvkea Oftice, Inc.. .,11h lis ~rml..kHI. Copyrlgh1. Insurance Servkfl OffICe. Inc.. 1084. (Attach Declarations/Coverage Part(s), Coverage Form(s) and Endorsements Here) . ..~.:%".. .';=-:" ." TltE FOLLOWING ENDORSEMENT APPLIES WilEN INDlCATEU IlY lNIJOIISEMlNf NUMUEII ON TilE DECl.AIIATIONS: THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. IL 00 21 11 85 _ NUCLEAR ENERGY LIABILITY EXCLUSION ENDORSEMENT (BROAD FORM) . , , , ,,' .. .(~.. tf-l;" 8~/1la{!ftkwl I. The InsurallCll does not apply: A. Under I/'rf liability Coverage, to "bOdily Injury" or "property damage:" (t) WIth ~ to wlIIch an "Insured" under the policy Is also III InsUIlId under 8 nuclear energy llabllily poUcy Iaued by Nuclear Energy liability Insurance Association. Mutual Atomlc Energy IJabllIty Underwriters. Nuclear Insurance Assodatlon at Canada or any of their .~. ..~ or would be an InSUred under any such poley but for Its tennJnatlon upon exI1austlon of lis Urnlt 'oIl1b11\y: or (2) ~ tram Ihe "haZaIdOUS properties" of "nudear Inal.nar n wl1l1 respect \0 wIIIch (a) any person or a.~.bJIlon Is requlred to maintain flnanCtai protection JxnuanI \0 Ihe AtomIC Energy Ar:I of 1954, or any law ,NtdatDry 1henlOf, or (b) Ihe "Insured" Is. or had this "1ioIcY not been Issued would be. enUUed to indemnity Irom the United States at America. or any agency IhnoI. under I/'rf agreement entered into by the United j;Jates of AmeriCa. or 8/l'1 agency thereof, with any , penon or organIza1lon. I; IJndej: rnt MedIcal Paymen\S coverage. to expenses Incurred 'c d'raspecI \0 "bodIy Injury" resulllng from \he "hazardous ./ ploplllles" of "rMJCIear material" and arising out of the operation of 8 "nudear laclIily" by any person or organization. C. InW ItI'f UabIIity Coverage. to "bOdily Injury" or "property dnIge' resulllng from the "hazardous properties" of "nuclear mDtaI." If: (V The "nuclear material" (a) Is at any "nuclear facility" owned by, or operated by or on behalt of, an "Insured" or (b) has been discharged or dispersed therefrom; (I) The "nuclear material" Is contained In "spent fuel" or "WaSte" at any lime possessed, handled, used, pro- cessed, stOled, transported or disposed of by or on behaIl of an "insured;" or (lithe "bodily injury" or "property damage" arises out of \he fumlshing by an "Insured" of services, materials, paIlS or equipment in connection with the planning, construction, maintenance, operation or use of any "nuclear facility; but U such facility Is located within the United States of America. lis territories or possessions or Canada. this exclusion (3) applies only to "property damage" to such "nuclear facility" and any property thereat. III~ISS WHEREOF, Ihis Company has executed and attested 1hese presents; bul this policy shall not be valid until countersigned -bi the' duly ~ Agent 01 this Company at the agency hereinaller mentioned, .:.'. 2. As used in this endorsement: "Hazardous properties" include radioactive, toxic or explosive properties; "Nuclear materlar means "source material; "special nuclear matertar' or "by-product material;" "Source material; "speclal nuclear material; and "by-product material" have \he meanlngs given them In the Atomic Energy Act of 1954 or In any law amendatory thereot; "Spent fuel" means any fuel element or fuel componen~ solid or liquid. which has been used or exposed to radlallon In a "nuclear reactor;" "Waste" means any waste material (a) containing "bYilfOduct matertar' other than Ihe tailings or wastes produced by \he extractJon or concentrallon at uranium or thorium from any ore processed pr1martly for lis "source material" content, and (b) resulllng from Ihe operallon by any peISOfI or organization of any "nuclear facirlly" Included under \he first two paragraphs of \he definition of "nuclear facility: "Nuclear facility" means: (8) Arry "nuclear reactor," (bl Arry 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;" (01 Any equipment or device used for the processing, fabricating or alloying of "special nuclear matertar' 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 conslsls of or contains more than 25 grams of plutonium or uranium 233 or any combination thereof, or more than 250 grams at uranium 235; (d) Any structure, basin, excavatJon, 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 01 fissionable material; "Property damage" includes all forms of radioactive contamination of property. ~ ~~'..~'nl Include. COPYfighlttd malorlal of Insur.nco Services onica, Inc., wilh its permission. Copyright, Insurance Services OfflCO, Inc., 19&4. : : : . PRIORITIES OF POLICIES We will pay First Party Benefits in accordance with the order of priority set fonh by the "Act." We will not pay If there Is another Insurer al a higher level of priority, The "First" category listed below Is the highest level of priority and the "Fourth" category listed below Is the lowest level of priority, The priority order Is: First The Insurer providing benefits to the "Insured" as a named Insured. Second Tha Insurer providing benefits 10 tha 'Insured" as a fsmlly member who Is not a named Insured under another policy providing coverege under the" Act." Third The Insurer of the "aulo" which the 'Insured" Is "occupying" st the time of tha "accident." Founh The Insurer providing benefits on any "auto" Involved in the "accident" If the "Insured" is: 8. Not "occupying" an "auto"; snd b. Not provided First Party Benefits under any other policy, If two or more policies hsve equal priority within the highest applicable number in the priority or- der: 1. The insurer against whom the claim is first made shall process and pay the claim as if wholly responsible; 2, If we are the insurer against whom the claim is first made. our payment to or for an "in- sured" will not exceed the applicable limit shown in the Schedule or Declarations; LA 22 37 07 90 CA 22 37 07 90 3. The insurer thereafter is entitled 10 recover pro rata contribution from any other insurer for the benefits paid and the costs of processing the claim, If contribution Is sought among insurers under the Founh priority. proration shall be based on the number of Involved motor vehl, cles; and 4, The maximum recovery under all policies shall not exceed the amount payable under the policy with the highest dollar limits of bene, fits, F. ADDITIONAL DEFINITIONS 1. The definition of "auto" in Ihe DEFINITIONS Section is replaced by the following: "Auto" means a self. propelled motor vehicle operated or designed for use on pUblic roads, However, "auto" does not Include a vehicle operated: a. By muscular power: or b, On rails or tracks. 2. The follOWing sre added to the DEFINITIONS Section: 8, The "Act" means the Pennsylvania Motor Vehicle Financial Rasponsibillty Law. b. "Family member" means 8 resident of your household who is: (1) Related to you by blood. marrisge or adoption; or (2) A minor in your custody or in the cus- tody of any other "family member." c, "Occupying' means in. upon. gening in. on, out or :Iff. ,: ..- .' Copyright, Insurance Services Qlfice, Inc.. 1990 Page 3 of 3 0 CA 22 31 07 90 C. EXCLUSIONS We will not pay First Party Benefits for .bodlly injury": 1. Sustained by any person injured while inten- tionally causing or attampting to cause Injury to himself or hersalf or sny other person. 2. Sustained by any person while committing a felony, 3, Sustained by any person while seeking to eluda lewful apprehension or arrest by a law enforcement official. 4, Sustained by any person while maintaining or using an .auto. knowingly convened by that person, Howevar. this exclusion does not ap- ply to: a. You; or b. Any .family member." 6. Sustained by eny person who. at the time of the .accident:" a. Is the owner of one or more currently reg- istered .autos. and none of those "eutos" is covered by the flnsncial responsibility required by the. Act.; or b. Is "occupying. an 'auto" owned by that person for which the financial responsibil- ity required by lhe . Act. Is not in effect, 6. Sustained by any person maintaining or using sn .auto. while located for use as a residence or premises. 7. Sustained by any, person injured as e result of conduct within the course of the business of repeiring. servicing or olherwise msintaining "autos." This exclusion does not apply if the conduC1 is off the business premises, 8. Sustained by a pedestrian if the "accident" occurs outside of Pennsylvania. This exclusion does not apply to: e. You; or b. Any .famlly member." Page 2 of 3 9. Sustained by any person while .occupying": a, A recreational vehicle designed for use off pUblic roads: or b. A motorcycle, moped or similar type vehi, cle. 10. Caused by or as a consequence 01: , a, Discharge of a nuclear weapon (even If accidental); b. Wer (declared or undeclered); c. Civil war; d. Insurrection: or B. Rebellion or revolution, 11. From or as a consequence of the following whether controlled or uncontrolled or how- ever caused: a. Nuclear reaction: b. Radiation; or c, Radioactive contamination. D. LIMIT OF INSURANCE 1. Regardless of the number of covered "autos," premiums paid, claims made, "autos" involved in the "accident" or insurers providing First Party Benefits. the mall we will pay to or for an "insured" as the result of anyone .acci, dent' is the limit shown in the Schedule or in lhe Declarations, 2. Any amount payable under First Party Benefits shall be excess over any sums paid. payable or required to be provided under any workers' compensation law or similar law, E. CHANGES IN CONDITIONS The CONDITIONS are changed for FIRST PARTY BENEFITS as follows: 1, TRANSFER OF RIGHTS OF RECOVERY AGAINST OTHERS TO US does not apply. 2, The following CONDITIONS are added: NON-DUPLICATION OF BENEFITS No person may recover duplicate benefits for lhe same expenses or loss under this or any other similar automobile coverage including self- insurance. : : .. Cooyright, Insurance Services Qlllce, In=.. 1990 CA 22 37 07 90 . . I .. CA 22 37 07 90 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. PENNSYLVANIA BASIC FIRST PARTY BENEFIT For a covared "auto" licensed or principally garaged In. or "garage operations" conducted In. Pannsylvanla, this endorsement modifies insurance provided under the following: BUSINESS AUTO COVERAGE FORM GARAGE COVERAGE FORM TRUCKERS COVERAGE FORM This endorsement changes the policy effective on the inception dste of the policy unless another date ia indi. cated below, Endorsement effective Named Insured Countersigned by Beneflta SCHEDULE (Authorized Representative) Medicsl Expense Benefits Limit of Liability (per Insured) Up to $5,000 (If no enW appears above, information required to complete this endorsement will be shown in the Declara. tions as applicable to this endorsement.) A.COVERAGE We will pay the Basic First Party Benefit in ac- cordance with the "Act" to or for an "insured" who sustains "bodily injury" csused by an "acci- dent" arising out of the maintenance or use of an "'auto" BENEFITS Subject to the limit shown in the Schedule or Declarations. the Basic First Party Benefit con- sists of Medical Expense Benefits. These benefits consist 01 reasonable and necessary medical ex- penses incurred for an "insured's": 1, care; 2. recovery; or 3, rehabilitation, This includes remedial care and treatment ren- dered in accordance with a recognized religious method of healing, Medical expenses will be paid If incurred within 1 B months from the date of the "accident" caus, ing "bodily injury." If wilhln 1 B months from the dats of the "accident" causing "bodily injury" it is ascertainable with ressonable medical proba- bill\'( that further expenses may be incurred as a result of the "bodily injury," medical expenses will be paid without limitation as to the time such further expenses are incurred, B. WHO IS AN INSURED 1. You, 2. If you are an Individual. any "family member," 3. Any person while "occupying" a covered "'auto.'" 4. Any person while not "occupying" an "auto' if injured as a result 01 an "accident" in Pennsylvania involving a covered "auto," ~__. _,0 __ If a covered "auto" is parked and unoccupied, it is not an "auto" involved in an "accident" unless it was parked in a manner as to create an unreasonable risk of injury, .' CA 22 37 07 90 Copyright, Insurance SeNices Qlfice, Inc.. 1990 Page 1 of 3 0 '~ . I I .. VERIFICATION ALLAN C. MOLOTSKY hereby states that he is the attorney for Defendant, Maryland Casualty Company, in the within action and verifies that the statements in the foregoing Answer & New Matter to Plaintiff's Complaint are true and correct to the best of his knowledge, information and belief. The undersigned understands that the statements made therein are made subject to the penalties of 18 P.S. section 4904 relating to unsworn falsification to authorities. /"1 /) ,{, /? /' , ',~"-, " -" I'~~ AL~ C. MOLOTSKY, ES . DATED: May 20, 1994 . .. I .. CERTIFICATE OF SERVICE ALLAN C. MOLOTSKY, attorney for Defendant, Maryland Casualty Company, hereby certifies that a true and correct copy of the foregoing Answer & New Matter to Plaintiff's Complaint, was served by First-Class Mail to the fOllowing: George F. Douglas, Jr., Esq. Douglas, Douglas & Goudlas 27 W. High Street P.O. Box 261 Carlisle, PA 17013 Robert J. Stewart, Esq. Barley Snyder Senft & Cohen 100 E. Market Street P.O. Box 15012 York, PA 17405-7012 .i.:kcz,., ~C~ ALLAN C. MOLOTSKY DATED: May 20, 1994 en < ~ ...:l< Q..P. z ~~ go <..:I "'u...:l> ::;:o'u Ozz C)<O~ ~..:IE='" O~C)'i' E--liJ<ci'; Il::::a...:l . Pp-O Ou~z C) C) ~~ ;t:0 E-- Z - . "~. .. ..~, ~ - >-,.. ~- ,,',.r:.., .... ..'I ~-. O;:.t-'J I:: 9 c.: .~; '~ I~-~; ~I , .1~:: . ,t~2l~ . . :'~.1 ~.J I. :1:C.. :..> 0(,.') :::r.:: .:0 <D II'> 5:! -:::r C-.I - od :z:= ~ C 'C .~ C:J:J CIlb/) Q..cen Q..'-~ p.g...:l C) .< Q..en Il::Q..O ~PE-- ::;:Up ..:I ..... ~..:I.... ><;t:Q.. 1l::E--Q.. Il::-P <OC) ...p >< z < Q.. ::;: ~'CO ZcC) _Ill Il::><>< <ZE-- ::;:<:;1 QP.P zZ:en <0< ~UC) Il::~Q -UZ ~Z< ~<...:l Il::~>< P:PIl:: ::;:00< Q ~~~ =<~~ ~~<~ <Cl::EQ.. ::Ej;:lQ~ ~r>o~tJ ~Olll~ =!e!Z ~~~~ =~e!~ 1Il0~l!l ~llI:lIl ~U < Z ill - o N U i5 ... ell ~ .. ... W 0 '" ~ ~ t!_ o z .. ~ .. ill I:i 0 :5 ~~~;~ .. a: i 2 :I o ill ,>- ~ Cl lii 0 III )>-~o:z Z w z en 8 ~ ~ - ~ ~ g a: >- < III . > y. "'!- .,. ;....~..~. "",'~':~' ..:~~~f0~~';;::;:!,lL " ... - ~ . ,. ." ... ...- .., .. '.. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENI-iSYLVANIA HARRY ELMER CUPP and JUDITH L CUPP, doing business as CUPP AUTO SALES NO. 94-1985 CIVIL CIVIL ACTION" LAW v. EMPIRE FIRE AND MARINE INSURANCE COMPANY and MARYLAND CASUALTY COMPANY ACTION FOR DECLARATORY JUDGMENT NOTICE TO: HARRY ELMER CUPP and JUDITH L CUPP, doing business as CUPP AUTO SALES and MARYLAND CASUALTY COMPANY YOU ARE HEREBY NOTIFIED TO FILE A WRITfEN RESPONSE TO THE ENCLOSED NEW MATfER AND CROSSCLAlM WITHIN TWENTY (20) DAYS FROM SERVICE HEREOF OR A JUDGMENT MAY BE ENTERED AGAINST YOU. BARLEY, SNYDER, SENFf & COHEN By R ert J. Stewart qUire Attorney I. D. # 439 Attorneys for Defendant, EMPIRE FIRE AND MARINE INSURANCE COMPANY 100 East Market Street P. O. Box 15012 York, PA 17405-7012 Telephone (717)846-8888 ..- .. .. . ...... '-. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA HARRY ELMER CUPP and JUDITH L CUPP, doing business as CUPP AUTO SALES NO. 94-1985 CIVIL CIVIL ACTION - LAW v. EMPIRE FIRE AND MARINE INSURANCE COMPANY and MARYLAND CASUALTY COMPANY ACTION FOR DECLARATORY JUDGMENT ANSWER WITH NEW MAnER AND CROSSCLAIM OF DEFENDANT EMPIRE FIRE AND MARINE INSURANCE COMPANY Defendant Empire Fire and Marine Insurance Company, by its attorneys, Barley, Snyder, Senft & Cohen, files the following Answer With New Matter and Crossclaim to Plaintiffs' Complaint in Declaratory Judgment: COUNT I HARRY ELMER CUPP and JUDITH L CUPP, d/b/a CUPP AUTO SALES v. EMPIRE FIRE AND MARINE INSURANCE COMPANY 1. Admitted in part; denied in part. Mter reasonable investigation, Defendant Empire is without knowledge or information sufficient to form a belief as to the truth of the averment that Plaintiff Judith L CUpp does business as CUpp Auto Sales; the same is, therefore, denied and strict proof thereof is hereby demanded, if relevant. Defen- dant Empire's named insured under the policy which is the subject of Plaintiffs' Complaint is Harry E. CUpp and Barry A. CUpp dba CUpp Auto Sales. On information and belief, 1 --~ . t;;r,~-;:'"""""....::'tc:r*':'~ ".- .,. .. . ...- .., Defendant Empire admits that Plaintiff Harry Elmer CUpp does business as CUpp Auto Sales and has a place of business at 5 Hickory Lane, Mechanicsburg, Pennsylvania. 2. Admitted. 3. Denied. Mter reasonable investigation, Defendant Empire is without knowledge or information sufficient to form a belief as to the truth of the averment that as of November 8, 1993, Plaintiff Judith L CUpp was engaged in the business of buying and selling used cars; the same is, therefore, denied and strict proof thereof is hereby demanded, if relevant. Defendant Empire's named insured under the policy which is the subject of Plaintiffs' Complaint is Harry E. CUpp and Barry A. CUpp dba CUpp Auto Sales. On information and belief, Defendant Empire admits that as of November 8, 1993, Plaintiff Harry Elmer CUpp was engaged in the business of buying and selling used cars. 4. Denied. Mter reasonable investigation, Defendant Empire is without knowledge or information sufficient to form a belief as to the truth of the averments con- tained in paragraph 4 of Plaintiffs' Complaint; the same are, therefore, denied, and strict proof thereof is demanded. S. Denied. Mter reasonable investigation, Defendant Empire is without knowledge or information sufficient to form a belief as to the truth of the averments con- tained in paragraph 5 of Plaintiffs' Complaint; the same are, therefore, denied, and strict proof thereof is demanded. 6. Denied. Mter reasonable investigation, Defendant Empire is without knowledge or information sufficient to form a belief as to the truth of the averments con- tained in paragraph 6 of Plaintiffs' Complaint; the same are, therefore, denied, and strict proof thereof is demanded. 2 c . It .,. ~ . ... . '. 7. Denied. Mter reasonable investigation, Defendant Empire is without knowledge or information sufficient to form a belief as to the truth of the averments con- tained in paragraph 7 of Plaintiffs' Complaint; the same are, therefore, denied, and strict proof thereof is demanded. 8. Denied. Mter reasonable investigation, Defendant Empire is without knowledge or information sufficient to form a belief as to the truth of the averments con- tained in paragraph 8 of Plainers' Complaint; the same are, therefore, denied, and strict proof thereof is demanded. 9. Admitted. 10. Denied as stated. The language quoted in paragraph 10 of Plaintiffs' Complaint constitutes language out of context of the policy issued by Defendant Empire. Defendant Empire avers that the policy of insurance issued by Defendant Empire, Garage Coverage Form, contains the following liability coverage exclusion at page 4: B. Exclusions This policy does not apply to any of the following: 6. CARE, CUSTODY OR CONTROL ... d. Property in the I insured's I care, custody or control. In further answer, Defendant Empire avers that the policy of insurance issued by Defendant Empire, as evidenced by the policy declaration sheet attached hereto and made a part hereof as Exhibit A, provides collision coverage designated by symbol 23 in said policy, which designation read~ as follows: 3 ,.- .,. " . .. . '. A. Description of covered auto designation symbols 23 OWNED PRIVATE PASSENGER "AUTOS" ONLY. Only the private passenger "autos" you own. . . . WHEREFORE, Defendant Empire Fire and Marine Insurance Company prays your Honorable Court to enter a judgment in its favor and against Plaintiffs, denying that Plaintiffs are entitled to a defense and coverage under the aforesaid policy of insurance. COUNT II HARRY ELMER CUPP and JUDITH L CUPP, d/b/a CUPP AUTO SALES v. MARYLAND CASUALTY COMPANY 11. Defendant Empire incorporates by reference paragraphs 1 through 10 above. 12. Admitted on information and belief. 13. Admitted on information and belief. 14. Admitted on information and belief. 15. Admitted. WHEREFORE, Defendant Empire Fire and Marine Insurance Company prays that your Honorable Court enter declaratory judgment ordering Defendant Maryland Casualty Company to provide a defense and coverage to Plaintiffs. NEW MATIER 16. Empire Fire and Marine Insurance Company issued policy of insurance number SG20S070 to Harry E. CUpp and Barry A. CUpp doing business as CUpp Auto Sales, 4 II. . '. ~ . with a place of business located at 5 Hickory Lane, Mechanicsburg, Pennsylvania, effective 6-14-93 to 6-14-94. 17. The aforesaid policy ofinsurance provides Uability Coverage at Section n of the Garage Coverage Form number CAOOOS, which reads as follows: A. Coverage 'GARAGE OPERATIONS I - COVERED 'AUTOS I We wiIl pay all sums an I insured I legally must pay as da!lages because of I bodily injury' or I property damage I to which this insurance applies, caused by an I accident I and resulting from I garage operations' involving the ownership, maintenance or use of covered 'autos I . 18. The aforesaid policy of insurance states that cer- tain Exclusions to coverage apply, as stated at Garage coverage Form CAOOOS, at page 4, as follows: B. EXCLUSIONS This insurance does not apply to any of the following: 6. CARE, CUSTODY OR CONTROL 'Property damage I to or I covered pollution cost or expense I involving: d. Property in the 'insured's I care, custody or control. 19. The aforesaid policy of insurance provides collision coverage designated by symbol 23 in said policy, which designation reads as follows: A. Description of covered auto designation symbols 23 OWNED PRIVATE PASSENGER "AUTOS" ONLY. Only the private passenger "autos" you own. . . . 5 f . ~ .. I. " .. . '. 20. The 1989 Cadillac vehicle which Plaintiff Harry Elmer CUpp was operating on November 8, 1993, when involved in a collision was owned by Conley Motors and was not owned by Plaintiffs or either of them at the time of the collision. 21. At the time of the collision of November 8, 1993, the 1989 Cadillac automobile was in the care, custody or control of Plaintiff Harry Elmer CUpp. 22. According to the provisions of the aforesaid policy of insurance number SG20S070, no coverage is afforded to Plaintiffs under the circumstances of the accident of November 8, 1993, as related in Plaintiffs' Complaint. WHEREFORE, Defendant Empire Fire and Marine Insurance Company prays that your Honorable Court enter declaratory judgment in its favor, denying coverage and a defense to Plaintiffs. NEW MAnER IN THE NATURE OF A CROSSCLAIM PURSUANT TO PA. R.C.P. 22SUd) EMPIRE FIRE AND MARINE INSURANCE COMPANY v. MARYLAND CASUALTY COMPANY 23. Defendant Empire incorporates by reference the factual averments of Plaintiffs' Complaint for Declaratory Judgment and paragraphs 1 through 22 above. 24. This action was brought pursuant to the provisions of the Declaratory Judgment Act of July 9, 1976,42 Pa. C.S.A. ~~7S31, et seq. 25. On information and belief, Defendant Empire avers that the 1989 Cadillac automobile involved in the November 8, 1993, accident, as described in Plaintiffs' Complaint was a covered vehicle under a policy of insurance issued by Defendant Maryland Casualty Company, policy number EPA18214248, effective 2/4/93 to 2/4/94. 6 f . 'I .. , .. . t. 26. On information and belief, Defendant Empire avers that Plaintiff Harry Elmer CUpp was operating the aforesaid 1989 Cadillac with the permission of the owners when it was involved in a motor vehicle accident on November 8, 1993. 27. Defendant Empire believes and, therefore, avers that Defendant Maryland Casualty Company is solely liable to provide a defense and coverage for any claims arising out of the accident of November 8, 1993, as described in Plaintiffs' Complaint. 28. In the event it is determined that Defendant Empire owes a defense and coverage on account of any claims arising out of the accident of November 8, 1993, then Defendant Maryland Casualty Company is liable over to Defendant Empire on account of any such defense or coverage provided, or is jointly and severally liable with Defendant Empire on account of any defense and coverage provided. WHEREFORE, Defendant Empire Fire and Marine Insurance Company requests this Honorable Court enter a declaratory judgment in its favor and against Defendant Maryland Casualty Company. Respectfully submitted, BARLEY, SNYDER, SENFT & COHEN By ert J. Stewart, Attorney I. D. #0 39 Attorneys for Defendant, EMPIRE FIRE AND MARINE INSURANCE COMPANY 100 East Market Street P. O. Box 15012 York, PA 17405-7012 Telephone (717) 846-8888 7 . . ~ . . ... . , . . . VERIFICATION I, Robert J. Stewart, Esquire, counsel for Empire Fire and Marine Insurance Company, hereby verify that the facts set forth in the foregoing Answer With New Matter and Crossclaim are true and correct to the best of my knowledge, information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa. C.S.A. f4904 relating to unsworn falsification to authorities. Dated: MIIY 23. 1994 8 ." . . .. .0. "~"Ufl~'QIot"'-'LO.I""." "'D" IIIt.QID W . . . .- ., -.-- -_.. .. . / ., . (1:0MMON POLlGY ~ DECLARATlO" .~ . . - '. Renewal of Number C SG 20 25 50-90 ) Policy No. C SG 20 50 70 ) Named Insured and Mailing Address lNo.. s-. ""'" .. Citr. CounIy. SUll. lip CodII HARRY E aJPP & BARRY A OlPP DBA aJPP Al7IO SAW) . 15 W WINDING HIlL RD ~IEQWUCSBURG PA 17055 INSUlWCa: IS '"000[0 BY!H[ COllMlfl AS O[SIGN'I[O BY Mill ~ EMPIRE FIRE AND MARINE INSURANCE COMPANY OMAHA, NEBRASKA o EMPIRE INDEMNITY INSURANCE COMPANY OKLAHOMA CITY, OKLAHOMA Agent INI'ERCXlNl'lNENI'AL INS SEll\' 5801 PO BOX 3236 SHIREMANsro.'N PA 17011 Policy Period: From ( 06-14-93 ) to ( 06-14-<]4 ) 12:01 A.M. Standard TIme at your mailing address shown above. (Unless otherwise endorsed) Business Description USED CAR DEALER INSTAlLMENT IN RETURN FOR THE PAYMENT OF THE PREMIUM, AND SUBJECTTO All THE TERMS OF THIS POLICY, WE AGREE WITH YOU TO PROVIDE THE INSURANCE AS STATED IN THIS POLICY. THIS POLICY CONSISTS OF THE FOLLOWING COVERAGE PARTS FOR WHICH A PREMIUM IS INDICATED. THIS PREMIUM MAY BE SUBJECT TO ADJUSTMENT. COVERAGE PART COVERAGE PART OECLARATIONS (FORM NUMBER) PREMIUM Commercial Property Commercial General Liability $ $ $ $ $ $ 2JliS. $ $ $ TOTAL $ 238S. Commercial Crime Commercial Inland Marine Commercial Auto - Business Auto Commercial Auto- Garage JDl 19C(12)9 A(6 89) Commercial Auto - Truckers THIS POLICY DOES NOT COVER COLLISION DAMAGE TO ANY AUTO YOU RENT. Premium shown is payable: 0 at inception (j Per Payment Form Attached Audit Period: Annual, unless otherwise stated Form(s) and Endorsementls) made a part of this policy at time of issue': PJP 'Om,ts .ppl.ClDI. Forms .nd End....ments II "'own in lpt(llic eo...erage P&r1ICcM"ge Form DeeI"..iDns. Dale of Issue: 07-15-93 js Countersigned By AuthOtlltd RepresentatIve _ _ '" _ _ _.... . _' .. _." a.. ~...,.. _,.. .... ~a. a.. ,. - , ... (~MMERCIAL AUTO COVERAGE PAF" , GARAGE DEtL.ft:RATIONS CODING . . ~ 20 2<' ';(',..c;o Renewal of Number' ~~ ~ This Coverage Part is effective the inception date of the policy unless another date is indicated below. (The following information is required only when this Coverage Part is issued subsequent to preparation of policy.) Pol' N SG 20 50 70 Effective Dale: NOTE - THIS POLICY ICY 0.: CONTAINS A STRICT Named Insured: HARRY E aJPP & BARRY A cupp RADIUS OF OPERATION DBA CUPP At1IO SALES Countersigned by: RI=STRICTION Additional Premium: Authotized R.presentati.. (From .nd....m.nl dat.,o Endorsement No.: Policy upi,atlon) Form of Business: 0 Individual IE Partnership 0 Corporation 0 Other nru lWD SCHEDULE OF COVERAGES Thil policy provides on~ lholl CO\""11S whllt a Chill' Is ihowftln tile pI.mium column bllow. tach of tllell _ailS will lPP~ on~ to ..~ -AND COVERED AUTOS lholl "aulos" lhown II CO'Itfod "autos-, "Autos- lit sllown al COVlIld -autos" lor a pa~kulll CO'ItIll' by IhI lnlry of one .. mora of tile symbolslrom tile COVERED AUlOS Sedion olllll nllll' CMt'I' Fom nut 10 tile nlme of IIllCOWIIll. Entry ola l)'I11bo1 nut 10 UABIUlY "nMdes CMrll1 for "lIrl I oomlions" CDVEllED AUTOS 11CtI~......."......... UIlIl PREMIUM COVERAGES ... II COVElli AUtOS s.. II 1.-. ':.~... c....1t r.- Each "A(cid"I" AUltl"l- "nll;';.OOlllbons" "n..jii OPllllions" UABIUlY "AuIO" OIhtl Than 01"" Th.n O~;:; -AulD" oiii< "AulD" On~ 23 27 28.29 s lSl~O/5 s 300.000. S SGO oeD. S 1021. PERSONAllNJUPY PROTECTION IPl.P.ltt ?" SEPARATELY STATEO IN EACH HP. EIlO. MINUS S 17 DEDUCTIBLE S ~2 ADDED ?JP. 'ar fl'.II.DI .odeo Ilc-f.ull COYl SEPARATELY STA:EO :N [,ICH ADDED P.I.P. ENDORSEMENT S PROPERTY PROTECTION INS. lP.W SEPARATElY SiATED IN TllE P.P.!. EIlDORSEMENT MINUS S lMichiun onlY) S DEDUCTlBl! FOR EACH ACCiDENT AUTO MEDICAL PAYMENTS S S I MEDICAL PAYME!frS .-- S 1 i)(~' _ :::.". ,-1?c;nc;(t;.Q ) S .." l UNINS~RED \lDi~RISTS IUMl I ,? S ,i;J~" _ <:j:'F C'..1),QC;/7_,',n S ~..: , . UNDERINSURED "'DTORISTS ,:'l'.\ :P..;"'- ?? s-,,,'nn _ c:~.. (,~'1C';'(7.cr.' S un .;\ COMPREHENSIVE COVERAGE S EACH lOCATION MINUS S DED. fOR EACH S m ! SPECIFlEDCAUSESOFlOSSCOVERAGE COVERED AUTO FOR LOSS CAUSED BY TllEFT OR MISCHIEF S I i OR VANDALISM SUBJECT TO S \lAXIMUM DEDUCTlBl! ! ... FOR AU SUCH lOSS IN AllY ONE EVENT \ ~ i COlUSION COVERAGE S EACH lOCATION MINUS S DED. FOR EACH S ,I COVERED AUTO 1--1 ! COMPREHEIlSIVE COVERAGE ActUAl S ,"'l'\.. CASH vmE SEE SUPPLEMENTARY ..,c::.? OR COST OF i ~ SPECIFIED CAUSES OF lOSS COVERAGE \ REPAIR. SCHEDULE FOR LIMITS S \\lt1CHEVER AND DEDUCTIBLES IHISS I rnf UtlDN cnVfRAGf , .,., , MINUS t t ,.. ;nWINr. oIND LABOR ~.... S for m~ disablement of a orival. oamn".r aulD S FORMS AND EIlDORSEMENTS APPLYING TO TllIS COVERAGE PART AND MADE PART OF TllIS POUCY AT TIME OF ISSUE t: C'ACCC5(;i-SoZ) ,CA9\i,:)8(1-,:;7 ~li:'N0165(1.a8) ,ElIOGG8(1-<j3) p.176(1-,l7), CA134(o-9Z),CA0157(10.83 ~D180(7-90) IL024o(6-~9i O'~17(12-'?2),IW910(1-;;1~,.:.\2192(7-90~ CA2193(7-90~ I PREMIUM FOR ENDORSEMENTS S I IESilMATED TOTAL PREMIUM S .,.,u~ IIlor tll,,,.I.nt ".Iault cOYI TllIS DEClARATIONS IIUST IE CDIlPlIlED IY TllE AnACHIlOO DF . SUPPlEIlENTARY SCHEDULE 'Enby OQIioNl if s/Iown in Common Plllicy Dec..rahon.. tf""""nd E""""_Is apphCol~e to lll~ eo.eral' Pa~ amined ,I s/Iown .1_ in tile po/q THESE OECLARAlIONS ANO THE COMMON OEClARATlONS TOGETH(R WITH THE COUMON POLICY CONOITIONS. COVERAGE FORMISl ANO FORUS AND ENDORSEMENTS. IF ANY. ISSUEO TO fORU A PART THEREOF. COMPLETE THIS POLICY, I",(',U":!~ coovr,....,ff'S mJltr~,' 01 lflW'3nCr Strt1crs OttICt In(' . w\1'" ts otom'UIOl'l Cox7r"(flt lnsural'l:' Str.'lces OHICt, Inc. 1988 "i,.~: .t~~~1t CA 00 07 :2 90 PART I OF 2 - ; POLICY.NUMBER: SG 20 50 70 GARAGE COVERAGE FORM-AUTO DEALERS' . IlEM"lHRiE-LOCATIONS WHERE YOU CON!:,r- GARAGE OPERATIONS. SUPPLEM~~T4RY SCHEDULE ~: \1 Address-!!~:e ~r ~in':lusir.ess location as locatio" ,,0. 1 HICKORY lANE ~mWUCS&JRG PA ? 0[11 FOUR-lIABllIlY COVERAGE-PREMIUMS. IDe. Nc. Classes of Operators Nurr.cer Rating Total Rat,ng Fersonal Injury Prcpert/ Raling Faclor l~i'i~1 P,e~j~m Prottction Protecxn 01 Peos;r,s Units Un,ts Pr mi m P rni ,., 2.70 1021. 32. .50 1 .50 2 C:assl- E-: t:..'!es C~ull- NonoE "TIcl es C'ilS i- Em:1o s Class 11- Non.E llpioyees T~TAL PRE\liUMS ! RlIUIIr OperatDr _ P:oprietcrs. ~a~,~'5 a~: dfocers actil\! in tt.e 'garage operations: salespe!5Cns. general manage'$. seNicI mar2ief5; any empl~ Nhose pr;ncipal duty ilMllves the operation of covered 'autos' or who Is furnisr'ld a CM,e: 'aullf. All Others All other emp,oyees. NOTE: :, Pan.time employees working a, M'aie of 2" hours :r more a ."el~ 'c' ::'e 1umber of weeks worked are 10 be :c~..led as ! rating ~Oil each. 2. Oa:Hi",e empl0l"le5 wer'Jn. ao a.lrage of ess than 20 hcws a week ':t:he number of weeks worke~ are to jl! cC'.1ted as L2 r.ting unit eac~, Any d :~~ ~ollcw:r:g cerscr:5 IIno !'; '!i..a~ : '.;r~ls:-;: "J::~, .1.;~e!~: 'a~~c.: I"a~j-ie c~pr;e::rs. partrlers or cffice~ a!':o :''1e.r '! a:ives and the re!a:~es c: any person Oll:~;te:: n C:a5s .. OEII FI'IH!ABllIlY COVERAGE FOR YUUR C~S1O~E~S.. ._ _ . __. . .. . . . . r. !:~!':! Mth parairapn 1.{2Ud) CI W,.,O I~ .:..INS~REJ unce. ,::.:7 ... \ '-lo',l.= _.~ ';:'I:.~).'3:.,.. a:::itl CC',E:ai! ':: Jo..t :..S~:r:'!'!,~ 'i~'tec .;rl!!; r.:'ca:!::e!cYt :'I.X:~ = :, ~-s ~Cl< ;5 :;,e:~ec, oarai":~ 3.:21Idl tj, WHC S ~~ .t.;:':~;~' . ":1' SEC7:~N :l-.:~ellf')' COl:~J~: :oes net apply. 0[11 SIX-GARAGElEEPERS COVERAGES AND PREMIUMS. I , Defl:lltlDnl: CIIIII-lmplayeel CIIIlII-!lDn-Emplayell "':2:'Cr: .:. :Jierai!S Com:r!~ensive S SotC:I;~ ea.!!S oIlZSI i $ ::,:! :'" Compre;,ensrte IS 2 S~;fled Causas :' t:f! :$ eo.l~n 1$ L!mlt "J lnS'JPo..:t ::~ ~:"': :.Oati:", ,~t5t..C! iJ a 'i:""lt :r ~~:...e::~ :! ~ I"".ear.s ~:-L: ::', ;:~O!!::r:: r ITEM TWO ~;: ':~ ':!:t;::~le !c:~!l' M'NU~ .; D~OI.::T'aLE tCR EACH CMREO 1lJ1C .OR tOSS c."I.'S!: :v .....;E:-: :;P ',!;S:i"hEF :)R 1~~jC:'L'SM Si..9;E'::'!O MAY,IML~.~ :e:...:-:- :~: r:C? .iL~ $i..':~ :.CS! \ .i'of' :\E r,:....... :t"!:"".'..~ .:' 1,' ,::!.:..! COIl'c~"e-l \t; S ~A'.ojiJS : :DLC! ai.: :.:~ :)CH :~j\EO :'UiC. MINUS 5 :':~..:7.a~:: ::? EACh ::'/E.~Ea lUiC :.:it LOSS C1"SEQ 5Y :-.m OF. \lISC~iE= OR \I\~l~AL:SM ~Ue.E:; 10 MAXIM"f.' =E~~C: 2LE FOR 1LL SUCH LOSS ;N ANY :lNE riE~T. Specie: Ca.leS :;j :':11: S Collis en; MINUS 5 OEDI.CT ,BLE ~:R EACH CCVERED 'UJO. i CAllAGEXEEPERS COVERAGE applies on a Igalliao,,;:) :.5;5 uniess l~e :' :~c ;ire:: C:'Ie'aie ':otions is 'ncicata: te':H :y ':X;: DIRECT COVERAGE OPTIONS = oms I~SURAHCE. :f !tis t:ox is c-et,eo. GAF.~~:~E~PERS C:oJE~G; is changed 10 apply ,"theul regare :: :.;lur :r any other 'Ins"rl:~' Ise' hac:'ty 'or "loSS. :c a covered -autO- and is excess u'ler 3ny Otr.c' :cllec: c'! .r:..r!"C! "eg3': ess :,i ...netne- :::: ::r.e~ :U~,'3:':=! :o\ers your or anI ott'er .lns...rec's' .ntarest or the ~:e:est of the COIIered "a~tcs' ""ner. C PRIIlARlINSURANCE. If this POX ,5 c~ec!l<!:. 3ARAGEKEEi'E;;; :::-,.;':3:: . ::.";1: I: apply ...,L~('IJt 'eia'd 10 yOUr or any other 'Insureo's' ,eia, "ec',l}' for 'OS5' t: a covered "auIO' and Is Cflmary ins~rance. REIl SEYEJ-PHYSICAl DAllAGE COVERAGE-TlPES or COVERED AUlOS AND IN1EREm IN THESE AUTOS-PREMIUMS-mORlING OR NONREPORTlNG BASIS. ~:~ ct 'tie ':,:OIilni OI1VSlCAL C,\M.lGE :=,t~i!S :~a~s :ndiCalej:r ITEM TWO l::';t!:~ 1 to :~e ~:t\ a)..lOS' 1r.: ~.te"ei:S inoiCJ:~::eIO<< r1f .OO~ 'F es of .~utos' Ir.:erests Covered NPIo Uwd .a:J::i', Jtrror.s:'1' "bur lr:ter!!1 :-. ;:-.- ',:,,~ n:'Ot5: :,,:) :r. Your .n:!"es~ l~~:t'If ~:~~ts: tI .Jutcl' IC'S ar.d !!.._ .tt ,t.. ;~!: ~.!'~ 'J..::5. :,:.. :,.," . ":. :!-: ;:-,f'!: 'l..:~f ~ JIt, :"t: ::0 .3:~'l: JS.! :15 :)a,U , , ~..:'t.,~.S',f ICe :......,........ "I" '.II'LL1 c : ;~~;.. -... .-.. LQ.....I ~ Qg ~ I ~'\:3t~1'" '.~ I Cc-It~ !S U,:,,::t ".S..''''''! re' t3':" lDc3l,~n . MINUS) :!:. -':.: ~:~ !:':.. ::,".~~~: :.t.... :~: LOSS C1L5~: a.. ~~Eri e;;. ~,I'SCH1Er OR ""~,::"L,SM s.Je~t:: m 2,SOC.1,\1"M~': :,:'.:' 3L~ .C' ~Lt SU:~ tCS3 ~ ~N' C\E r.!~" 'J1NJ:: ~E:..:ileLE r.j~ [1(1.0 :~JE~E~ :-U"~ ::A lOSS O..-st: 3' "-1E:- :;: ./ S':"!t= 0" .Jt.f.::'l ~'.' 5'w8.::- ..c C':-'f"1i!S ComDreht!'lsrve Soeof.ed ea,s.. " l<11 ComDre..c..).... , . ... . - ~ 0 .... . ~~ ~ ", ~.ns.' .n ,"t, 1/.:0 ".:; ,:"'"1: :"'t ,t'lJ ~!,.. ::.t:"e't,"~" :.'~:nm:".:'" :::"U.._~",.. ';f ~ ... R.lle5 :"'-:II".~ 252. I; , "! ..to ' .. o. .":':':-"":: ~"",""..,:"," 'OLlCY lIUMBEI: SG 20 SO 70 RDlimK (ColltilludJ IDeation No. ClMlrages All CoIIisian GAR:.~:: COVERAGE FORM-AUTO DEALERS' SUPPLEMENIARY SCHr".lE-IContlnuedl limit oIjn~urance rOt Each lDcation "" MINUS' DEDUCTIBLE FOR E.\CH ClMRED AUTO ~ BLANKET ANNUAL COLLISION RATES FlI:3 ':v.oollO 5100.000 IMr 5100.0OO CAOO07I290 ruT UF 2 .. . Premium Our limil d insura",e 101 'IOu' at IOcat.,ns DIller than those st.slt~ .n 111M llI.IL S 20 000. AddItional Iocat,""s wllere you stOle CMred 'auIOS' , 20 000. PIlIJUIWI$-Ia/OllllIIIUlr1lrfl OII"tlllrl 01 'Oll/lportlq (Indicate BaSIS ,lgr~ Upon by 'ril1. ' o .E'ORTIN; WIS IQua"erly ar Manthly as Indicated belC>Y by '!Kj1, lbu must report to US on our 101m lI1e IOcatian d your C(Mr!O 'aulos' and the' ~::al ,a'ue at each such lOcation. For your main sa'ts .ocalJOlllden~1ee as lOcatiOn no. L you must include the total value d all coveted 'aulas' you I1a>1! lur""hed 01 made available to yoursell, your execu~ jeur emplojees 01 fa".. .,. members ana )ther Class II-Na".[mplojees. and coveted 'aulos' thai are temporanly displayed or stend at lOcatiOns ather then these staled in ITDII1IIa a~. For your main sales lOcatIOn you must include the IOtal value d all se"'iC! '/Ohleres. lOUR RE'OIlING WIS IS: 0 lUARTERIJ-lbu must give us your first report by Ihelilleenth d the Iourlh month aller the policy beains. lbur sub,",,~ reporls must be given to us by the rilteenth d INery third month. lbur reports must cantain the values 101 the last business day d Mry third month comIng within the polic'1 per;oo. . 0 IOHTHIJ-lbu must give us your reportS by the filleenth d .....ry month. \bur reports will contain :te IOIaI values you ~4: on the last business day d the preceding month. Premiums will be calculaled pro rata d the annual premium 101 the ..pasures contained in each reporl. Althe end d each policy year ~ will add the lren:!"1 premiums 01 the Qua"erly premiums to determine your final premium due 101 the entire policy year. Tile estimaled total premiums shown a~ will be =~~: against the final premium due. ~ ION.E'OR"NG WI$. Stated limit d insurance shc>yn a~ a olies. IIss PaJle-Aollo1S II plJIbl. Illntllt.t mar appear to IOU end: S TOTAL PREMIUM S 1280. In trans4 ITEM EIGHT-NEDICAl PAYMENTS COVERAGE-REFER TO ITEM NINE FOR COVERED AUTOS INSURED ON A SPECIFIED CAR BASIS Covera e Premium Determination 1 Premium Aulo Medical Pa ments Onl Auto Medical Pa ments Premium e uals % S Premises and Operations Medical Payments Premises and Operations t.1a~~'i\ye lDoes not a : 10 bodi in'u caused a autol Medical Pa ments Premium e uals 1.72 % s 32. Premium PreP1ises ane Ooerations and Auto Medical nls Premises and Ooerat'cns ane ~~to Medical Pa menls Pre"ium eouals % S nDI liNE-SCHEDULE OF r.OVERED AUTOS WHICH ARE FURNISHED 10 SOMEONE DlHER TIlAN A ClASS I OR ClASS II OPER.l1ORS OR WIlICH ARE INSURED ON A SPECIFIED CAR BASIS eo..r.d DESCRIPTION PURCHASED I - ..... Model; bde IWr<; 80cly 'tPt AcIvol NtwlNl TERRITORY: bwn & Sta:e Where the Covn:I No. _ Null'bo1lSl; Itlldo ld.,_.NumtIer MNI ~rCDSlN.. Coll & USEDlUl hno will be gnncipa,~ garagea 1 1Q~.Tt~~ ?7 InW PA I 2 I 3 ClASSIFICATION Ucept 101 toNing .. physial damai! loss ,S :',JC'f:: ,ou and the loss eu-d I!adou\u ............. 50:. rNW. GC/I Pnmar'/ Alllnl Sec~'::l1"; "., Doe.."", S-MMCt QtYttllC1e ~ r :....; Rlu", coa. pa,ee named 3'CM' IS inttrHts may appear aI tne :imt rJ d1e loss r..ttlJ Gnluo No. (inM,~ '_COIl\ll'<<lIl So.n.. c.o.oty lJm ~,::'I'N. r""" 1 1""'- C 2 I 3 I CMRAGE5-l'R[MIUMS, LIMITS ANO DEOUCTIBLES IAbsence a a OtOuctibie 01 rim.t enlry in any column beIC>Y mear. :t.atll1e .imlt or dedUClltre en:/) n;ne ;:7uporC"i I ITEIIWD COlumn appl;es ,nsteadl lIABILITY P.I.P. ADDED P.P.I. IMiCn. on~1 AUTO MED PAY COMPREHENSIVE Sl'(C C\US( COLLISION It'.\ ~G & _'=:' P.I.P. DFlOSS I e lJmlI L>oor ..... Llnu' -- -- I Un ...... "'"' Umir -- "'"' (In Pr.. """'" Pte- UnutM """" ..., 1.1.< Thou- - - nwm Premium ......"', .~.ou. mium ...~ Premium ........ """"" ...... ,.....,,- : ...... ..... ~ll,j~ ..... moum ...... ~ ....411 - - sands) - - ....... 1 ........ n.n 1 n.n I 2 I 3 I I 1:UI Premium n";"; 00 ....... 001 1 XXX 1>.rf XXX XXXX XXX I .a;: c:e'~l!:st.~em~umT~' OfljucM>>e; """" WltO Il'l t.kflIOC)l<.lDol PI.P 01 PPI. tr.:a:n.I~, -...m: a:',H' .. ntI ~ I ~ ~'SOn 01 OIiln,uloon 10 wh(h the ec.e.ed 'Auto' has teen funushe<l IDo nc1 .nc~ua. eo....a 'AuIOS' when nave l>een fum~hed 10 c:.us ; 01 C' ass II :>aerators: . .. 1 i 2 I . , nDI m-lllBllIll PREMIUM FOR PICIUP AND Damn OF lUTDHONFRANCHISEO DEAlERS ONLY SEE 00165 , I ~ r~ ~ . ... ~, - ( ~w t' . .. ., .....:: <;.' -:J .. ,"l '.' EMPIRE FIRE AND MARINE INSURANCE COMPANY - EMPIRE INDEMNITY INSURANCE COMPANY EXECUTIVE OFFICES: 1624 Douglas Street, Omaha, Nebraska 68102-1406 PENHSYLVANIA - OTHER pJUmUK REDUCTION OPTIONS NAMED INSURED: POLICY NUMBER: C{.~/S 1990 Pennsylvania Law 6 haa reduced the required amount ot coverage tor medical expenses trom $10,000 to $5,000. Furthermore, wsge loss coversge and a tuneral benefit are now optional coverages. You have to decide it you want to lower your medical expense coverage to the minimum required. It you have health insurance coverage through your employer, you should know that most group health insurance does not cover rehabilitation expenses. Rehabilitation expenses are covered under your auto poliCY. Keep in mind that your health insurance company will pay benetits only after you have exhausted the medical benefits of your auto insurance. Wage loss coverage provides reimbursement tor loss wages due to an auto accident. The tuneral benefit provides money to pay for a funeral, where the death is the result ot an auto accident. 1. Do you wsnt to lower your medical coverage to the new $5,000 minimum? pa- Yes O-No 2. Do you want to drop your wage loss coverage? @-Yes O-No / ,. Do you want to drop your funeral benefit? 0-Yes O-No , . It /i ~i.5 Date EM 11 11 (06-90) '..:~.~':" . ,.~'..."l!,:..,:,.' . ':.:'1.'.,' ',. ~'.b~....t:,.,," . ...',...' I . ~.f r, ..::;~:.t"'i~.\A):""" ~# ",\":-;'.~I~:i'f~~ ..... '.. .... . ,'/~:;..~.~,.'~'" . '. "",' '...r IRE FIRE AND MARINE INSURANCE COMPANY - EMPIRE INDEMNITY INSURANCE COMPANY '.;';:\ :.,\;" EXECUTIVE OFFICES: 1624 Douglas Street, Omaha, Nebraska 68102-1406 '::~.~:;':~.~:.~' . '..,....-.) ,'';'',II'(ti ',t ...." . ,-, NAMED INSURED: ..... f \ . , ''''' "" .. .....' '. PENNSYLVANIA UHIllSURED/UNDERINSURED MOTORIST COVERAGE LIMITS WAIVER OF STACKED LOOTS {~~.fpb {}&. ( , POLICY NUMBm: Section 1738 of the Pennsylvania Insurance Code states that "when mora than ona vehicle is insured under one 'or more policiea providing Uninsured or Underinsured Motorist coverage, the stated limit of uninsured or underinsured coversge shall spply separately to each vehicle so insured. The limits of coversges avsilable ... shall be the sum of the limits for each motor vehicle as to which the injured person is an insured." However, for a reduced premium, the nsmed insured who purchases uninsured or underinsured motorist coverage for more than one vehicle under a policy may waive the stacked limits of coverage by signing the form(s) below: UNINSURED COVERAGE LIMITS By signing this waiver, I am rejecting stacked limits of uninsured motorist coverage under the policy for myself and members of my household under which the limits of coverage avsilable would be the sum of limits for each motor vehicle insured under the policy. Instead the limits..ct coverage that I am purchasing shall be reduced to the limits stated in}he policy. I knowingly and voluntarily rejectsd the stacked limits of cov~age. I .vnd stand that my premiums will be reduced if I reject this coy . age. ~/ /// I "l /, 7 .j' '- s1~at;te ~ First Named nbured / ~hk,$ Date UNDERINSURED COVERAGE LIMITS By signing this waiver, I am rejecting stacked limits of underinsured motorist coverage under the policy for myself and members of my household under which the limits of coversge available would be the sum of limits for each motor vehicle insured under the policy. Instead the limits of coverage that I am purchasing shall be reduced to the limits stated in the pelicy. I knowingly and voluntarily reject the stacked limits of coverage. .I understand that my premiums will be reduced if I reject this coverage./ , ~/ . _~" ."L/ /:# )('r kJ;. , 7' -,,f Signature of iTs~m --- / Date EM 10 36 (04-90) ..... en - ,. ". >- . >- . - ~~ E ~:' ~~; = l"_ ,., '" "J . -. .:', '0,); ;';. ~: ..; ....., " ' ~." ". '"= ~ ,1"",. II. -: CI) << >< I;llll~~ ~Q, >< Z Q, . ll:: !:l < e=UO< :z: z>< 0 Q, Q,ZIli:..:l III .... .... Ql ::0 ::E~U><>< ::: o Z...:l < C 0 N :aO>C:: 'C .~ III 'CO III Ili:Ili:Z u i5 ZCU t:~~~:: III t; r:- ::OOt5<.... C.J:J _OS .. OU ...:lZ OSb.Q ll::><>< t: lit 0 UCl",UIIl Q,CCl) <Z.... <i!i<t:::E ~ :z: Iii r!f ~ 00 1Il- Q..'-~ ::o<...:l ClIll::E<O ~ZC>Cl"" p.g...:l e lJl s ~ ~ O<i' 0 U .< ClQ,~ ~~~ClU .......:l..,.ll::Cl Ili:Q,CI) Z::OCl) i:ro IIlZ>< Elii~~ ll::ll::C>oP <0< IIl<ZI;l~ o III pill .~~ 1Il!50 ;; IIlUU Q::EOi:ro iI; Q ... ci ~ OClOZ ::OUb !:sQ....~t:l :5 >- ~ .: z Ili:IIlQ :Z:" z U::OzO ...:l .< -Uz z>< CI) VI 8 ~ P - 1Il...:l ~z< IIlU .... ><:cQ, ~<Z!:S~ ~ - " =~ t) 1li:....Q, 1Il<...:l III a: ....0 < ll::-P ll::1li:>< Q,1Il<::E -l 0 QU -Pili: 1Il1li:Q,:c: a: .. Z :;:P"l Q,CI) 1li:1i:~...:l < - ~z:; Itl oU , IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA HARRY ELMER CUPP and JUDITH L CUPP, doing business as CUPP AUTO SALES NO. 94-1985 CIVIL CIVIL ACTION - LAW v. EMPIRE FIRE AND MARINE INSURANCE COMPANY and MARYLAND CASUALTY COMPANY ACTION FOR DECLARATORY JUDGMENT REPLY OF DEFENDANT EMPIRE FIRE AND MARINE INSURANCE COMPANY TO NEW MAnER CROSSCLAIM OF DEFENDANT MARYLAND CASUALTY COMPANY 26. Denied. The averments of paragraph 26 of Defendant Maryland Casualty Company's New Matter constitute conclusions of law to which no response is required. To the extent a response may be required, it is specifically denied that Defendant Empire is solely liable to Plaintiffs, or jointly and severally liable to Plaintiff, or liable over to Defendant Maryland Casualty for indemnity or contribution, and it is averred to the contrary that Defendant Maryland Casualty is solely liable to Plaintiffs. WHEREFORE, Defendant Empire Fire and Marine Insurance Company requests judgment in its favor and against Defendant Maryland Casualty Company. BARLEY, NYDER, SENFT & COHEN By obert J. St a t, Esquire Attorney I. D. #07439 Attorneys for Defendant, EMPIRE FIRE AND MARINE INSURANCE COMPANY 1 ~ -. '. VERIFICATION I, Robert J. Stewart, Esquire, counsel for Empire Fire and Marine Insurance Company, hereby verify that the facts set forth in the foregoing Reply to New Matter Cross- claim are true and correct to the best of my knowledge, information and belief. I under- stand that false statements herein are made subject to the penalties of 18 Pa. C.S.A. ~4904 relating to unsworn falsification to authorities. Dated: June 2, 1994 L:- '-'~:"'''''.~. OOT 0 3 199~(!.. , POST & SCHELL, P.C. BY: ALLAN C. MOLOTSKY IDENTIFICATION NO.: 28923 1800 J.F.K. BOULEVARD 19TH FLOOR PHILADELPHIA, PA 19103 (21S) S87-1000 ATTORNEY FOR DEFENDANT MARYLAND CASUALTY COMPANY HARRY ELMER CUPP and JUDITH L. CUPP, d/b/a CUPP AUTO SALES COURT OF COMMON PLEAS CUMBERLAND COUNTY : VS. CIVIL ACTION - LAW . . ~lPIRE FIRE AND MARINE INSURANCE COMPANY and MARYLAND CASUALTY COMPANY NO. 94-198S . . : : REPLY OF DEFENDANT MARYLAND CASUALTY COMPANY TO NEW MATTER OF CO-DEFENDANT EMPIRE FIRE & MARINE INSURANCE COMPANY 23. Answering defendant hereby incorporates by reference its responses to the factual averments of plaintiffs' complaint. 24. Denied. This is a conclusion of law to which no further response is necessary. 2S. Admitted in part/denied in part. It is admitted that defendant Maryland casualty Company issued a policy of insurance under policy no. EPA18214248, effective February 4, 1993 through February 4, 1994. That policy of insurance provided coverage to Conley Enterprises and to Robert and Anna Mae Conley t/a York Springs Auto Auction. It did not provide coverage for Conley Motors. By way of further response, it is denied that the 1989 Cadillac automobile was a covered vehicle under the policy of insurance issued by defendant Maryland Casualty Company. 26. Denied. After reasonable investigation, answering defendant is without knowledge or information sufficient to form a belief as to the truth of the allegations contained within the corresponding paragraph of the crossclaim. 27. Denied. This is a conclusion of law to which no further response is necessary. 28. Denied. This is a conclusion of law to which no further response is necessary. WHEREFORE, defendant Maryland Casualty Company requests this Court to enter declaratory judgment in its favor and against defendant Empire Fire & Marine Insurance Company. Respectfully submitted, POST & SCHELL, P.C. .../ dcc ../(c ,~e-~// ' ALLAN C. MOLOTSKY, ESQUI ATTORNEY FOR DEFENDANT, MARYLAND CASUALTY COMPANY -2- ""'_,.""....~.".',,.J\,q,'_"'"""',__ . .. VERIFICATION I, ANDY HILL, verify that I am an employee of the Defendant, MARYLAND CASUALTY COMPANY, and that the facts Bet forth in the foregoing Reply to New Matter of Co-Defendant Empire Fire & Marine Insurance Company are true and correct to the best of my knowledge, information and belief. I understand that statements therein are made subject to the penalties of 18 Pa.C.S. section 4904 relating to unsworn falsification to authorities. '. . _' "r . ," ',<. ~.,..."."""!' ~~,--v''';~'';:fl.~q .,_,~~'-;_'"..,,2~:":j::lC__' ,.-- . '1.,. r.r;: ~ . . CERTIFICATE OF SERVICE ALLAN C. MOLOTSKY, attorney for Defendant, Maryland Casualty Company, hereby certifies that a true and correct copy of the foregoing Reply of Defendant Maryland Casualty to New Matter of Co- Defendant Empire Fire & Marine Insurance Company, was served by First-Class Mail to the following: George F. Douglas, Jr., Esq. Douglas, Douglas & Goudlas 27 w. High street P.O. Box 261 Carlisle, PA 17013 Robert J. stewart, Esq. Barley Snyder Senft & Cohen 100 E. Market Street P.O. Box lS012 York, PA 1740S-7012 / de. c. _~.(.t..,..e~ c. MOLOTSKY ALLAN DATED: 07/rr'l ~1'~~,,,,,,"-'e'. ",,"..,. ~ --:r ~ ~.:>- " .. In .." .:0 ".,-,) ..- .-> = c" ~ . f " -~---" ~~~i(>i. ~~" .'" , ',~ ,.' l1f~ "' : .. -. r.J -----------...-------------------------------- Cupp, doing business as Cupp Auto Sale In the CoU" of COInIILlIn' Plaa of Cumberlaad Colll1cy, PCIIJIIl'Inm.. _____~~t~~_~)~~~_g~PR__~~_~~~i~~_~~._._____ VI. Empire Fire and Marine Insurance ___.~C?'lIl!~l'.Y.J1m_tliDJJ!.~_~!l'.l'.J!.lli~.i'.mPJl~ Nil. 94-1985 CIvil. :9______ --.----------------------- ---------------------.-..---------------------- ----------------------------- ------.....- ____a. '.. .__.. ________.._____________ ---------------------..-------..------------------------------------.--..------------------------ Sir: ..-.- ------------------------------------ .------------..--- .. --. ..----------------------- Please mark this case settled and discontinued. ,..--.----------------------------..-------------------------------------..-..---..--------------- _.____________________________________________M__________________________________________________ .------------------------------------------------------------------------------------------------ ~---------------------_._-_._-----------------_._.---_._-------_.-------.------------------- --------------------- -. ---------------------------- ------------.,.----. -- ,--------------- To Lawrence Welker ----------------------------------------- --... ------------------ Prolhonotazy 94 19_____ Oct. 20 ~glas. 1 ~jI Do~~\as. & Douglas r..J:-~~-1________ ~fo'r Plaintiff. ,. \. ~ . ---,- ,.ft , ~)f~~;f4 '~"'.. -.... , :,:",~ '1>1 ~ , ~ .... 1(0. _________..___________ 1renn, 19______ ---------------------------.-.----------- Ocr 2'1 2 Stl PH 'g~ 'VI. " d ----------------------------------------- PR.'ECIPE pr~ed ___________________________ 19______ __________________________________, AIry, ----------------------------------------- " " \ , I' --