A Driver Agent
Resume:
Seattle WA 98118
Information as of October 9, 2020
Policyholder(s)
Epifanio Magbal
Policy number
Your Allstate agency is
Strong Ins Agency
********@********.***
ADFDDAFAADDFADFDDAAFAADFDTTFDFDDTAADTFTDTFDAAFFFTTFTTTTAFADATFAAA EPIFANIO MAGBAL
138 NE 161ST ST
SHORELINE WA 98155-5728
Important information about your policy
Thanks for being an Allstate customer! I'm happy to offer to renew your automobile policy for the next six months. I've also included a guide to what s in this package and answers to some common questions. Changes may affect your policy at this renewal
We ve added exclusions or reduced protection in some sections of the policy, but have also made other changes that may broaden your coverage. The changes that affect you depend on the specific coverages you ve selected. For your convenience, I've enclosed a Notice of Policy Changes that describes them in detail. In addition to the reductions in coverage mentioned above, we ve introduced a new product feature, changed several optional coverages and introduced a new optional coverage. We ve summarized the changes here for your convenience. Once you look through your renewal materials, I can answer any questions, review your protection and add any coverages you need.
The new Bundling Benefits feature works like this: If you have an Allstate property policy and your property and vehicle are damaged in the same event, you ll only be responsible for the property deductible. Plus, if you have an Allstate property or life policy, we will automatically renew your auto policy (in most circumstances).
Auto Replacement Protection (formerly New Car Expanded Protection) will now replace any car up to 15 years old that is totaled in a covered collision or other loss with a newer car of the same make and model, with lower mileage.
Transportation Expense Coverage (formerly Rental Reimbursement Coverage) now also pays for alternate transportation expenses you incur while your damaged car is being repaired (for instance, bus, taxi or ridesharing services).
(continued)
Policy number: 817 138 752 Page 2 of 3
Policy effective date: November 10, 2020
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Portable Electronics and Media Coverage (formerly Tape Coverage) now also covers personal electronic devices (like phones, tablets and laptop computers).
Custom Equipment Coverage allows you to purchase higher limits of coverage for your car s custom equipment (for example, spoilers).
Please review your renewal policy for the full terms and conditions. Renewing your policy is easy
Keep an eye out for your bill, which should arrive in a couple of weeks. Just send your payment by the due date on your bill to continue your coverage. If you re enrolled in the Allstate® Easy Pay Plan, you won t receive a bill we ll send you a statement with your payment withdrawal schedule. Questions? Please contact us
Give me a call at 206-***-**** if you have any questions about these changes or your insurance protection in general. Remember . . . You re in good hands with Allstate®. Sincerely,
Strong Ins Agency
Your Allstate Agent
RA1015
Page 3 of 3
Policy number: 817 138 752
Policy effective date: November 10, 2020
Your Insurance Coverage Checklist
We re happy to have you as an Allstate customer! This checklist outlines what s in this package and provides answers to some basic questions, as well as any next steps you may need to take. A guide to your renewal package
£ What s in this package?
See the guide below for the documents that are included. Next steps: review your Policy Declarations to confirm you have the coverages, coverage limits, premiums and
savings that you requested and expected. Read any
Endorsements or Important Notices to learn about new policy changes, topics of special interest, as well as required communications. Keep all of these documents with your other important insurance papers.
£ Am I getting all the discounts I should?
Confirm with your Allstate Agent that you re benefiting from all the discounts you re eligible to receive.
£ What about my bill?
Unless you ve already paid your premium in full, we ll send your bill separately. Next steps: please pay the minimum amount by the due date listed on it.
You can also pay your bill online at allstate.com or by calling 1-800-ALLSTATE (1-800-***-****). Para español, Ilamar al 1-800-***-****. If you re enrolled in the Allstate® Easy Pay Plan, we ll send you a statement detailing your payment withdrawal schedule.
£ What if I have questions?
You can either contact your Allstate Agent or call us 24/7 at 1-800-ALLSTATE (1-800-***-****) para español, Ilamar al 1-800-***-**** with questions about your coverage, or to update your coverages, limits, or
deductibles. Or visit us online at allstate.com.
Proof of
Insurance
ID Cards
Your insurance
cards are legally
required, so
please keep
them in your
vehicle at all
times.
Policy
Declarations*
The Policy
Declarations
lists policy
details, such as
your specific
drivers, vehicles
and coverages.
Policy
Your policy is
your insurance
contract; it lists
all of the terms
and conditions of
your coverage.
Policy
Endorsements
If changes are
made to your
policy, these
documents will
include your new
contract
language.
Important
Notices
We use these
notices to call
attention to
particularly
important
coverages, policy
changes and
discounts.
Insurance Made
Simple
Insurance seem
complicated?
Our online
guides explain
coverage terms
and features:
www.allstate.com/
madesimple
Espanol.allstate.com
/facildeentender
* To make it easier to see where you may have gaps in your protection, we ve highlighted any coverages you do not have in the Coverage Detail section in the enclosed Policy Declarations. 027 010 046
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Thank you for choosing Allstate
Please use the printed Insurance Cards below. Please use the printed Insurance Cards below. Please use the printed Insurance Cards below. Please use the printed Insurance Cards below. Please use the printed Insurance Cards below. Please use the printed Insurance Cards below. Washington Motor Vehicle Liability
Insurance Identification Card
Washington Motor Vehicle Liability
Insurance Identification Card
Allstate Fire and Casualty Insurance Company
Epifanio Magbal
138 Ne 161st St
Shoreline WA 98155-5728
Allstate Fire and Casualty Insurance Company
Epifanio Magbal
138 Ne 161st St
Shoreline WA 98155-5728
POLICY NUMBER
817 138 752
EFFECTIVE DATE
11/10/20
EXPIRATION DATE
05/10/21
YEAR / MAKE / MODEL
2018 Honda Cr-V
VEHICLE ID NUMBER
2HKRW6H34JH210225
POLICY NUMBER
817 138 752
EFFECTIVE DATE
11/10/20
EXPIRATION DATE
05/10/21
YEAR / MAKE / MODEL
2018 Honda Cr-V
VEHICLE ID NUMBER
2HKRW6H34JH210225
This card must be carried in the vehicle at all times as evidence of insurance. This card must be carried in the vehicle at all times as evidence of insurance. IDWA
Proof of Insurance Card
For your convenience, two insurance cards have been included for each vehicle. State law requires that one of these cards be kept in each vehicle. Please place them in your vehicles by the effective date. Policy number: 817 138 752 Page 2 of 2
Policy effective date: November 10, 2020
027 010 046
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1000000A001006027WA00020101007351700037900302600462111 Please use the printed Insurance Cards below. Please use the printed Insurance Cards below. Please use the printed Insurance Cards below. Please use the printed Insurance Cards below. Please use the printed Insurance Cards below. Please use the printed Insurance Cards below. If you have an accident or loss:
Get medical attention if needed.
Notify the police immediately.
Obtain names, addresses, phone numbers (work & home) and license plate numbers of all persons involved, including passengers and witnesses.
Call 1-800-ALLSTATE (1-800-***-****),
logon to allstate.com or contact your Allstate agent as soon as possible.
Strong Ins Agency
5959 Mlk Way S
Seattle, WA 98118
If you have an accident or loss:
Get medical attention if needed.
Notify the police immediately.
Obtain names, addresses, phone numbers (work & home) and license plate numbers of all persons involved, including passengers and witnesses.
Call 1-800-ALLSTATE (1-800-***-****),
logon to allstate.com or contact your Allstate agent as soon as possible.
Strong Ins Agency
5959 Mlk Way S
Seattle, WA 98118
Page 1 of 4
WA010RBD
Platinum Gold Standard Value Plan
Renewal auto policy declarations
Your policy effective date is November 10, 2020
Information as of October 9, 2020
Summary
Named Insured(s)
Epifanio Magbal
Mailing address
138 Ne 161st St
Shoreline WA 98155-5728
Policy number
817 138 752
Your policy provided by
Allstate Fire and Casualty Insurance
Company
Policy period
Beginning November 10, 2020 through
May 10, 2021 at 12:01 a.m. standard time
Your Allstate agency is
Strong Ins Agency
5959 Mlk Way S
Seattle WA 98118
********@********.***
Some or all of the information on your
Policy Declarations is used in the rating
of your policy or it could affect your
eligibility for certain coverages. Please
notify us immediately if you believe that
any information on your Policy
Declarations is incorrect. We will make
corrections once you have notified us,
and any resulting rate adjustments, will
be made only for the current policy
period or for future policy periods.
Please also notify us immediately if you
believe any coverages are not listed or
are inaccurately listed.
Total Premium for the Policy Period
Please review your insured vehicle and verify its VIN is correct. Vehicle covered Identification Number (VIN) Premium 2018 Honda Cr-V 2HKRW6H34JH210225 $788.34
Additional coverages
If you pay in installments* $788.34
If you pay in full (includes FullPay® Discount) $740.66
* Your bill will be sent separately. Before making a payment, please refer to your latest bill, which includes payment options and installment fee information. If you do not pay in full, you will be charged an installment fee(s). If you do not pay your bill by the due date shown on your billing statement, you may be charged a late fee. If you paid in full during your last renewal, and continue to pay in full, your decrease from your last premium is $31.21.
If you paid in installments during your last renewal, and continue to pay in installments, your increase from your last premium is $16.47.
Discounts (included in your total premium)
Allstate Easy Pay
Plan
$28.84 Safe Driving Club® $163.85
Multiple Policy $35.00 Responsible Payer $65.56
Early Signing $74.78 Allstate eSmart® $28.87
Antilock Brakes $55.94 Electronic Stability
Control
$44.52
Drivewise® $0.00
Total discounts $497.36
Policy discounts $396.90
Allstate Easy Pay
Plan
$28.84 Responsible Payer $65.56
Safe Driving Club® $163.85 Early Signing $74.78
Multiple Policy $35.00 Allstate eSmart® $28.87
2018 Honda Cr-V discounts $100.46
Antilock Brakes $55.94 Electronic Stability
Control
$44.52
Drivewise® $0.00
Renewal auto policy declarations
Policy number: 817 138 752
Policy effective date: November 10, 2020
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Listed driver on your policy*
Epifanio Magbal - Separated male driver, age 60, Safe Driving Club
*Are there licensed drivers not listed above who either reside in your household (even if temporarily away from home) or are guests staying in your home for an extended period? If so, please contact us so your policy information and coverage is up to date. There are circumstances under which a loss may not be covered by this policy because the auto was being operated by someone residing at your house who is not listed on the policy. Additional detail about how we treat undisclosed drivers can be found in your policy. Excluded drivers from your policy
None
Renewal auto policy declarations
Policy number: 817 138 752
Policy effective date: November 10, 2020
WA010RBD
Page 3 of 4
Coverage detail for 2018 Honda Cr-V
Coverage Limits Deductible Premium
Automobile Liability Insurance Not applicable $433.34
Bodily Injury $25,000 each person
$50,000 each occurrence
Property Damage $50,000 each occurrence
Auto Collision Insurance Actual cash value $500 $232.83
(Safe Driving Deductible Reward - deductible reduction amount available is $100) Auto Comprehensive Insurance Actual cash value $500 $45.27 Collision for Custom Equipment Not purchased*
Comprehensive for Custom
Equipment
Not purchased*
Roadside Coverage $100 Not applicable $7.00
Transportation Expense up to $30 per day for a maximum of 30 days
Not applicable $20.48
Underinsured Motorists Insurance $49.42
Bodily Injury $25,000 each person
$50,000 each accident
Not applicable
Property Damage $50,000 each accident Stated in policy Auto Replacement Protection Not purchased*
Automobile Medical Payments Not purchased*
Personal Injury Protection Benefits Not purchased* Portable Electronics and Media Not purchased*
Sound System Not purchased*
Total premium for 2018 Honda Cr-V $788.34
* This coverage can provide you with valuable protection. To help you stay current with your insurance needs, contact your Allstate agent to discuss coverage options and other products and services that can help protect you.
VIN 2HKRW6H34JH210225
Additional coverage
The following policy coverage is also provided.
Coverage Limits Deductible Premium
Automobile Death Indemnity Insurance $10,000 benefit Not applicable Included Total $0.00
Renewal auto policy declarations
Policy number: 817 138 752
Policy effective date: November 10, 2020
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1000000A001006027WA00020101007351700037900502600462100 Page 4 of 4
Your policy documents
Your automobile policy consists of this Policy Declarations and the documents in the following list. Please keep these together.
Allstate Auto Policy ACR65 WA Underinsured Motorists Insurance ACR314
Washington Claim Satisfaction Guarantee Amendatory Endorsement AP4962
WA Bundling Benefits Endorsement ACR315
WA Amendatory Endorsement ACR311 WA Automobile Death Indemnity Insurance Coverage CM
ACR330
WA Personal Injury Protection ACR313
Important payment and coverage information
Here is some additional, helpful information related to your coverage and paying your bill: uA $10.00 late fee may be assessed if payment is received after the due date. uYour Gold Protection package contains the following features:
Accident Waiver Enhancement feature
Safe Driving Deductible Reward feature
uIt is time to renew your policy. If no changes are made to your coverage before 11/10/20, the minimum amount due on or before 11/10/20 will be one-sixth (1/6) of your $788.34 renewal premium plus any outstanding balance from your current policy and any applicable installment fee. This is not a bill. You should receive your billing statement approximately two weeks before your 11/10/20 renewal date.
Allstate Fire and Casualty Insurance Company's Secretary and President have signed this policy with legal authority at Northbrook, Illinois.
Julie Parsons
President
Susan L. Lees
Secretary
Page 1 of 16
ALLSTATE FIRE AND CASUALTY INSURANCE COMPANY
Auto
Policy
WASHINGTON ACR65
Policy number
817 138 752
Policy effective
November 10, 2020
Your Allstate agency is
Strong Ins Agency
5959 Mlk Way S
Seattle WA 98118
Policyholders
Epifanio Magbal
138 Ne 161st St
Shoreline WA 98155-5728
Allstate Fire and Casualty Insurance Company
The Company Named in the Policy Declarations
A Stock Company, Home Office: 2775 Sanders Road, Northbrook, Illinois 60062 Table of Contents
General Provisions 3 Insuring Agreement 3 When And Where The Policy Applies 3 Conformity To State Statutes 3 Definitions Used Throughout The Policy 3 Leased Autos 4 Premium Changes 4 Coverage Changes 4 Duty To Report Changes 4 Notice 4 What To Do If There Is A Loss 4 Assistance And Cooperation Of The Insured 5 Subrogation 5 Combining Limits Of Two Or More Autos Prohibited 5 Transfer 5 Payment 5 Communications 5 Conditional Reinstatement 6 Fraud Or Misrepresentation 6 Loss Reduction And Other Items 6 Part 1
Automobile Liability Insurance
Bodily Injury Liability and Property Damage Liability Coverages AA and BB 6 General Statement Of Coverage 6 Our Right To Appeal 6 Additional Payments We Will Make 6 Additional Definitions For Part 1 7 Exclusions What Is Not Covered 7 Financial Responsibility 8 Limit Of Liability 8 If There Is Other Insurance 8 Bankruptcy Or Insolvency 9 Additional Interested Parties 9 Part 2
Automobile Medical Payments
Coverage CC 9 General Statement Of Coverage 9 Additional Definitions For Part 2 9 Exclusions What Is Not Covered 9 Limit Of Liability 10 Non-Duplication 11 What To Do If There Is A Loss: Additional Duties 11 Unreasonable Or Unnecessary Medical Expenses 11 If There Is Other Insurance 11 Part 3
Protection Against Loss To The Auto 11 Auto Collision Insurance 11 Auto Comprehensive Insurance 11 Contents Coverage 12 Roadside Coverage 12 Transportation Expense Coverage 12 Sound System Coverage 12 Portable Electronics And Media Coverage 13 Additional Payments We Will Make Under Part 3 13 Additional Definitions For Part 3 13 Exclusions What Is Not Covered 14 Our Payment Of Loss 15 Right To Appraisal 15 Limit Of Liability 16 If There Is Other Insurance 16 No Benefit To Bailee 16 Loss Payable Clause 16 Auto Policy
Policy number: 817 138 752
Policy effective date: November 10, 2020
Page 2 of 16
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1000000A001006027WA00020101007351700037900602600462100 A Stock Company -- Home Office: Northbrook, Illinois General Provisions
The following provisions apply to all parts of the policy except where otherwise noted.
Insuring Agreement
This policy is a legal contract between you and us. A coverage applies only when a premium for it is shown on the Policy Declarations or when the Policy Declarations lists the coverage as being ‘‘Included.’’ On your Policy Declarations, coverages may be shown for each auto, or may be listed under
‘‘Additional Coverages.’’
If you pay the premiums when due and comply with the policy terms, we, relying on the information you have given us, make the following agreements with you.
You agree that it is your responsibility to review your Policy Declarations to: 1. confirm that the coverages and limits that you requested have actually been issued to you; and
2. ensure that each of the coverages and limits shown on the Policy Declarations are appropriate for your insurance needs. You further agree to review those sections of this policy which relate to the coverages issued to you. Failure to review this policy, including your Policy Declarations, will not relieve you of this obligation. You should contact us, or the agent listed on your Policy Declarations, immediately if you have any questions about the coverages or limits, if you believe there is any mistake about the coverages or limits issued to you, or if you have any questions about this policy.
The terms of this policy impose joint obligations on persons defined in applicable sections of this policy as insured persons. This means that the responsibilities, acts and omissions of a person defined as an insured person will be binding upon other person(s) defined as insured person(s). Depending on the number of vehicles you are insuring, we may find it necessary to issue you two or more different policy numbers for this one policy. Even if we issue two or more policy numbers, this shall still constitute one policy. Your Policy Declarations lists the policy numbers applicable. When And Where The Policy Applies
Your policy applies only during the policy period. During this time, it applies to covered losses to the auto, accidents, and occurrences within the United States, its territories or possessions, Canada, and between their ports. The policy period is shown on the Policy Declarations. Conformity To State Statutes
When the policy provisions are in conflict with the statutes of the state in which your auto(s) described on the Policy Declarations are principally garaged, the provisions are amended to conform to such statutes. Definitions Used Throughout The Policy
The following definitions apply throughout the policy unless otherwise indicated. Defined words are printed in boldface type. 1. Additional Auto means an auto of which you become the owner during the policy period and which is:
a) not described on the Policy Declarations; and
b) not acquired as a permanent replacement for an auto described on the Policy Declarations.
This auto will be an additional auto for the 30 days immediately after you acquire ownership, but only if:
a) any other autos you own are insured either by us or by one of our affiliates, other than any auto(s) we and our affiliates refused to insure;
b) the auto is not listed as an insured vehicle under any other motor vehicle insurance policy; and
c) you pay any additional premium for the coverage afforded by this policy during the 30 day period.
After the 30 days, the auto is no longer an additional auto. 2. Auto means a private passenger land motor vehicle which has at least four wheels and is designed for use on public roads. However, auto does not include any vehicle of the pick-up body, sedan delivery, panel truck or stake body type which has a manufacturer specified Gross Vehicle Weight Rating (GVWR) in excess of 14,000 pounds.
3. Bodily Injury means physical harm to the body, sickness, disease, or death, but does not include:
a) Any venereal disease;
b) Herpes;
c) Acquired Immune Deficiency Syndrome (AIDS);
d) AIDS Related Complex (ARC);
e) Human Immunodeficiency Virus (HIV);
or any resulting symptom, effect, condition, disease or illness related to a) through e) listed above.
4. Non-owned Auto means an auto used by you or a resident relative with the owner's permission but which is not:
a) owned by you or a resident relative; or
b) available or furnished for the regular use of you or a resident relative.
This definition of non-owned auto does not apply to Automobile Liability Insurance–Bodily Injury and Property Damage. 5. Replacement Auto means an auto of which you become the owner during the policy period and which is:
a) not described on the Policy Declarations; and
b) acquired as a permanent replacement for an auto described on the Policy Declarations.
Auto Policy
Policy number: 817 138 752
Policy effective date: November 10, 2020 Page 3 of 16 This auto will be a replacement auto for the 30 days immediately after you acquire ownership, but only if:
a) any other autos you own are insured either by us or by one of our affiliates, other than any auto(s) we and our affiliates refused to insure;
b) the auto is not listed as an insured vehicle under any other motor vehicle insurance policy; and
c) you pay any additional premium for the coverage afforded by this policy during the 30 day period.
After the 30 days, the auto is no longer a replacement auto. 6. Resident means a person who physically resides in your household with the intention to continue residence there. Your unmarried dependent children while temporarily away from home will be considered residents if they intend to resume residing in your household. 7. Shared-Expense Car Pool means an arrangement between private parties to share rides:
a) for which partial or full reimbursement of driving expenses is made or offered, and for which there is no other compensation; and b) which is not facilitated by a commercial enterprise which connects drivers to riders, including, but not limited to, a transportation network company.
8. Substitute Auto means a non-owned auto being temporarily used by you or a resident relative with the permission of the owner while your auto insured under this policy is being serviced or repaired, or if it is stolen or destroyed.
9. Trailer means any trailer, other than a travel-trailer, that is designed for use with an auto.
10. Travel-trailer means a trailer of the house, cabin or camping type equipped or used as a temporary living quarters.
The travel-trailer must be designed for use with an auto. 11. We, Us, or Our means the company shown on the Policy Declarations. 12. You or Your means the policyholder(s) listed as Named Insured(s) on the Policy Declarations and the resident spouse of any such Named Insured.
Leased Autos
Unless otherwise indicated, an auto leased to a person under a written agreement with a term of at least six continuous months shall be considered, for purposes of this policy, to be owned by that person. Premium Changes
The total premium for this policy is based on information we have received from you or other sources. You agree to cooperate with us in determining if this information is correct, if it is complete, and if it changes during the policy period. You agree that if this information changes or is incorrect or incomplete, we may adjust your premium accordingly. Changes which result in a premium adjustment are described in our rules. These changes include, but are not limited to:
1. autos insured by the policy, including changes in use; 2. drivers residing in your household, their ages or marital status; 3. coverages or coverage limits;
4. rating territory; and
5. discount or surcharge applicability.
Any calculation or adjustment of your premium will be made using the rules, rates and forms in effect, and on file if required, for our use in your state. Coverage Changes
When we broaden a coverage during the policy period without additional charge, you have the new feature if you have the coverage to which it applies. The new feature applies on the date the coverage change is effective in your state. Otherwise, the policy can be changed only by endorsement. Any change in your coverage will be made using the rules, rates and forms in effect, and on file if required, for our use in your state.
Duty To Report Changes
Your policy was issued in reliance on information you provided including, but not limited to, information regarding autos, persons in your household, and your place of residence. You must promptly notify us: 1. when you change your address;
2. when any person with a driver’s license joins your household, or when any resident of your household acquires a driver’s license; and 3. when you acquire any additional auto or replacement auto. Notice
Your notice to our authorized agent shall be deemed to be notice to us. What To Do If There Is A Loss
If a person insured under this policy has an accident or loss involving a motor vehicle, we or our authorized agent must be informed promptly of all details. As soon as possible, any person making a claim must give us proof of loss, in writing or in another form specified by us, including all details we may need to determine the amounts payable. We may require that the proof of loss be a sworn proof of loss.
If an insured person is sued as a result of a motor vehicle accident, we must be informed immediately.
A person making a claim must:
1. Provide us with the following information as soon as possible: a) date and time of the accident or loss;
b) location of the accident or loss; and
Auto Policy
Policy number: 817 138 752
Policy effective date: November 10, 2020
Page 4 of 16
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1000000A001006027WA00020101007351700037900702600462100 c) all other details reasonably required by us including, but not limited to, information obtained from the vehicle’s computer, vehicle safety features, or ride-sharing applications. 2. Notify the police as soon as possible if:
a) the owner or operator of a vehicle involved in the accident or loss cannot be identified; or
b) a theft or vandalism loss has occurred.
3. Cooperate with us in our effort to investigate the accident or loss and settle any claims.
4. Allow us to take signed and recorded statements, including sworn statements and examinations under oath, separately and apart from others, and answer all reasonable questions we may ask as often as we may reasonably require.
5. Give us authorization to obtain medical reports and other records pertinent to the claim. The injured person may be required to take medical examinations by physicians we choose, as often as we reasonably require.
6. Promptly send us any and all legal papers relating to any claim or lawsuit.
7. Attend hearings and trials as often as we require. 8. In the case of loss to an auto, trailer or travel-trailer insured with Auto Collision Insurance or Auto Comprehensive Insurance you must: a) protect the auto, trailer or travel-trailer from further loss. We will pay reasonable expenses to guard against further loss. If you do not protect the auto, trailer or travel-trailer, further loss may not be covered.
b) allow us to inspect the auto, trailer or travel-trailer, or have it inspected, before its repair or disposal. If you or we demand an appraisal of the loss under to the Right To Appraisal provision, you must allow us to have the auto, trailer or travel-trailer appraised.
Assistance And Cooperation Of The Insured
A person insured under this policy must cooperate with us in the investigation, settlement and defense of any claim or lawsuit. If we ask, that person must also help us obtain payment from anyone who may be jointly responsible.
We are not obligated to provide reimbursement if a person insured under this policy voluntarily takes any action or makes any payments other than for covered expenses for bail bonds or first aid to others. If a person insured under this policy has a right to recover damages from anyone responsible
Contact this candidate