1. **Policy Provisions**: None of the Insuring Agreements, Exclusions or Conditions of the policy shall apply to the insurance afforded by this endorsement except the conditions "Notice" or "Notice of Accident" and "Declaration".

2. **Premium**: If during the policy period the number of automobiles owned by the named insured or leased and registered in New York or the number of New York dealer's license plates or transporter plates issued to the named insured changes, the named insured shall notify the company in writing of any change and the premium shall be adjusted as of the date of such change in accordance with the manuals in use by the company at that time. If the named insured fails to pay the advance premium paid, the named insured shall pay the excess to the company; if less, the company may return to the named insured the amount of the advance premium paid.

3. **Notice and Proof of Claim; Medical Reports**: Within 30 days or as soon as practicable, the insured or other person making claim shall give to the company written notice of claim under this endorsement. Such notice shall state the nature of the claim, the insured or other person against whom the claim is made, the company written proof of claim, under oath if required, and a statement of the nature of treatment, and other details entering into the determination of the amount payable hereunder. The insured and every other person named by the company and subscribe the same. Proof of claim shall be filed upon request of the company unless the company shall have failed to furnish such forms within 15 days after receiving notice of claim.

4. **Notice of Legal Action**: (a) Before the company makes payment of loss hereunder, the insured or his legal representative shall institute any legal action for bodily injury against any person or organization legally responsible for the use of an automobile not owned by the named insured. Notice of any such action or other process served in connection with such legal action shall be forwarded immediately to the company by the insured or his legal representative.

5. **Limits of Liability**: (a) The limit of liability of the company for all damages, including damages for care or loss of services, because of bodily injury sustained by one person as the result of any one accident is $15,000, and subject to the above provision, the limit of liability of the company for all damages, including damages for care or loss of services, because of bodily injury sustained by two or more persons, whether insureds or qualified persons under the New York Motor Vehicle Accident Indemnification Corporation law, as the result of any one accident is $20,000.

6. **Other Insurance**: (a) With respect to bodily injury to an insured while occupying an automobile not owned by the named insured, this insurance shall apply only to excess insurance over any other insurance available to such insured and applicable to such automobile as primary insurance, and this insurance shall then apply only in the amount by which the liability of the company exceeds the combined limits of liability of all such other insurance. Except as provided in the foregoing paragraph, if the insured has other insurance available to him and applicable to the accident, the damages shall be deemed not to exceed the higher of the applicable limits of liability of this insurance and such other insurance, and the company shall be liable for a greater proportion of any loss to which this coverage applies than the limit of liability hereunder bears to the sum of the applicable limits of liability of this insurance and such other insurance.

7. **Arbitration**: If any person making claim hereunder and the company do not agree that such person is legally entitled to recover damages from the owner or operator of an uninsured automobile because of bodily injury to the insured, or as to the amount of payment which may be owing under this endorsement, then, upon demand of either party, the matter shall be referred to arbitration in accordance with the rules of the American Arbitration Association. The award rendered by the Arbitrators may be entered in any Court having jurisdiction thereof. Such person and the company each agree to consider itself bound and to be bound by any award made by the arbitrators pursuant to this endorsement.

8. **Trust Agreement**: In the event of payment to any person under this endorsement:
   - (a) The company shall hold the proceeds of such payment to the proceeds of any settlement or judgment that may result from the exercise of any rights of recovery of such person against any person or organization legally responsible for the bodily injury because of which such payment is made;
   - (b) Such person shall hold in trust for the benefit of the company all rights of recovery which he shall have against such person or organization.
   - (c) Such person shall do whatever is proper to secure and shall do nothing after loss to prejudice such rights;
   - (d) If requested in writing by the company, such person shall take, through any representative designated by the company such action as may be necessary or appropriate to recover such payment as damages from such other person or organization, and to take such action to be taken in the name of such person; in the event of a recovery, the company shall be reimbursed out of such recovery for its expenses in connection with the collection of such payment;
   - (e) Such person shall execute and deliver to the company such instruments and papers as may be appropriate to secure the rights and obligations of such person and the company established by this provision and, upon request of the company, shall appear in court and give testimony and produce evidence, obtaining the attendance of witnesses and in the conduct of any legal proceedings.

9. **Payment of Loss by Company**: Any amount due hereunder is payable (a) to the named insured; (b) if the insured is a minor, to his parent or guardian; or (c) if the insured be deceased to his surviving spouse, otherwise (d) to a person authorized by the insured to receive payments on behalf of the insured; provided that in the event that the person represents, the company may, at its option pay any amount due hereunder in accordance with sub-paragraph (d) herein.

10. **Action Against Company**: No action shall lie against the company unless, as a condition precedent thereto, the named insured or his legal representative has fully complied with all the terms of this endorsement.

11. **Changes**: This endorsement cancels all agreements existing between the insured and the company relating to this insurance. Notice or knowledge possessed by the company or any other person shall not effect a waiver or a change in this endorsement or estop the company from asserting any right under the terms of this endorsement.

12. **Assignment**: Assignment of interest under this endorsement shall not bind the company until its consent is endorsed hereon. The interest assigned shall be (1) the named insured, (2) his legal representative as named in the endorsement, (3) any relative who was an insured at the time of such death.

13. **Policy Period-Termination**: This endorsement applies only to accidents which occur on and after the effective date of the policy, of which it forms a part or (19) registration of New York registration of all automobiles owned by the named insured.