TWO OR MORE CARS
With respect to any accident or occurrence, to which this and any other car policy issued to you by us applies, the total limit of our liability under all policies shall not exceed the highest applicable limit of liability under any one policy.
SUIT AGAINST US
No insured person may sue us under this coverage unless there is full compliance with all the terms of this policy.
OUR RECOVERY RIGHTS
If we pay under this policy, we are entitled to all the rights of recovery of the person to whom payment was made. That person must sign and deliver to us any legal papers relating to the recovery, do whatever else is necessary to help us exercise those rights and do nothing after loss to prejudice our rights. Our rights of recovery will apply only after that person has been made whole. Whether a person has been made whole takes into account that person's degree of fault. When a person has been paid damages by us under this policy, and also recovers from another, the amount recovered from the other shall be held by that person in trust for us and reimbursed to us, to the extent of our payment.
ASSIGNMENT
Your rights and duties under this policy may not be assigned without our written consent. If you die, however, coverage will be provided until the end of the policy period for:
(1) The surviving spouse, if a resident of your household at the time of death.
(2) Any related persons having proper custody of your insuredcar until a legal
representative is appointed.
(3) The legal representative of the deceased person, while acting within the scope of duties of a legal representative, but only with respect to the maintenance and use of your insured car.
FCP 8/93
BANKRUPTCY
We are not relieved of any obligation under this policy because of the bankruptcy or insolvency
of any insured person.
RENEWAL
This policy will terminate at the end of the policy period if you or your representative do not accept our offer to renew it. Offer to renew will be sent to you prior to the renewal date, unless we decide not to renew. Your failure to pay the required premium when due means that you have declined our offer.
"Your policy will expire at the end of the last paid-for policy period for non-payment of premium."
If you obtain other insurance on your insured car, any similar insurance afforded under this policy for that car will cease on the effective date of the other insurance.
NON-RENEWAL
If we decide not to renew or continue this policy, we will mail to you, at the address shown in the Declarations, notice of non-renewal not less than 60 days before the end of the policy period.
Proof of mailing a notice is proof of notice.
CANCELLATION
You may cancel this policy by returning it to us, or advising us in writing when, at a future date, the cancellation is to be effective.
During the first sixty days this policy is in effect, we may cancel for any reason by mailing notice of cancellation to you at the address shown on the Declarations, not less than 10 days prior to the effective date of cancellation.
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