broker. If notice is mailed, proof of mailing will be sufficient proof of notice.

d. We will not send you notice of nonrenewal or conditional renewal if you, your authorized agent or broker or another insurer of yours mails or delivers notice that the policy has been replaced or is no longer desired.

e. If we send you a late conditional renewal notice or a late nonrenewal notice:

(1) As provided for in paragraph F.1. above, coverage will remain in effect at the same terms and conditions of this policy at the lower of the current rates or the prior period's rates until sixty (60) days after such notice is mailed or delivered, unless you, during this 60 day period, replace the coverage or elect to cancel sooner.

(2) On or after the expiration date of this policy, coverage will remain in effect at the same terms and conditions of this policy for another required policy period at the lower of the current rates or the prior period's rates, unless you, during this additional required policy period, replace the coverage or elect to cancel sooner.

f. The aggregate Limits of Insurance as shown in the Declarations of this policy will be increased in proportion to any policy extension provided in accordance with paragraph F.2.(e) above.

G. The following is added to Section VI. CONDITIONS, B.10. Notice of Occurrence:

Notice given by or on behalf of the insured, or written notice by or on behalf of the injured person or any other claimant, to any agent of ours in New York State, with particulars sufficient to identify the insured, shall be considered to be notice to us.

H. The following provision is added and supersedes any provision to the contrary:

Failure to give notice to us as required under this policy shall not invalidate any claim made by the insured, injured person or any other claimant, unless the failure to provide such timely notice has prejudiced us. However, no claim made by the insured, injured person or other claimant will be invalidated if it shall be shown not to have been reasonably possible to give such timely notice and that notice was given as soon as was reasonably possible thereafter.

I. The following Condition is added and supersedes any provision to the contrary:

Legal Action Against us by Claimant

With respect to any claims for death or personal injury, if we deny coverage or do not admit liability because an insured or the injured person, someone acting for the injured person, or other claimant fails to give us written notice as soon as practicable, then the injured person, someone acting for the injured person, or other claimant may bring an action against us, provided the sole question is whether the denial of coverage or nonadmission of liability is based on the failure to provide timely notice.

However, the injured person, someone acting for the injured person, or other claimant may not bring an action if within sixty (60) days after we deny coverage or do not admit liability, we or an insured:

1. Brings an action to declare the rights of the parties under the policy; and

2. Names the injured person, someone acting for the injured person or other claimant as a party to the action.

J. Definition B. Loss under SECTION VI. DEFINITIONS is deleted and replaced by the following:

B. Loss means damages that the insured is legally obligated to pay after making proper deductions for all recoveries and salvage. However, Loss does not include defense expenses and supplementary payments.

ALL OTHER TERMS AND CONDITIONS OF THIS POLICY REMAIN UNCHANGED.