# Supplemental Policies

## 1. Premium
All premiums for this policy shall be computed in accordance with the company's rates, rules, and forms, and will be subject to any applicable state or local taxes.

Premiums due under this policy as "advance premium" is a deposit payment only which shall be credited against the amount of the earned premium at the end of the policy period. At the end of each policy period, the company will compare the earned premium with the end of the policy period described in the declarations as the audit period. The earned premium shall be computed for each period, and such notice hereof shall be given to the insured. If the earned premium for the policy period is less than the premium previously paid, the company shall return to the insured the unearned portion paid by the insured.

The insured shall maintain records of such information as necessary for premium computation, and shall make copies of such records to the company at the end of each policy period and at such times during the policy period as the company may require.

## 2. Inspection and Audit
The company shall be permitted but not obligated to inspect the insured's property and operations at any time. Neither the company nor its representatives shall have any right to inspect or examine any property of the insured or others to determine or ascertain that such property or operations are safe or suitable, or are in compliance with any law, rule, or regulation.

The company may examine and audit the insured's books and records at any time during the policy period and extensions thereof and within three years after the final termination of this policy, as far as they relate to the subject matter of this policy.

## 3. Financial Responsibility Laws
When this policy is certified as proof of financial responsibility for the future under the provisions of any motor vehicle financial responsibility law, such assurance as is afforded by this policy for bodily injury liability coverage shall be deemed to be in full compliance with the law to the extent of the coverage and limits of liability required by such law. The insured agrees to reimburse the company for any payment made by the company which exceeds the amount of the coverage provided under the terms of this policy except for the "revenue" contained in this paragraph.

## 4. Insured's Duties in the Event of Occurrence, Claim, or Suit
In the event of an occurrence, written notice containing particulars sufficient to identify the insured, the date and place of the occurrence, and a description of the loss, damage, and reasonably obtainable information with respect to the insured and all available evidence therefor, names and addresses of the company's agents and employees who were present at the time of the occurrence, and the names and addresses of the insured and all persons injured or damaged thereby, and of all witnesses having knowledge of the occurrence or damage, shall be furnished to the company without unnecessary delay. The failure to give such notice or any delay in giving such notice shall not affect the company's rights under this policy unless such failure or delay results in the company being unable to investigate or settle the claim.

## 5. Action Against Company
No action shall be brought against the company unless as a condition precedent thereto the insured shall have given the company written notice of the claim or suit and an opportunity to defend the same. No person or organization or the legal representative thereof who has secured such judgment or written agreement shall thereafter be entitled to recover under this policy to the extent of the insurance afforded by this policy to the insured or any organization or person who may be liable. No action on behalf of the insured or damage with respect to which insurance is afforded under this policy and the insured shall not be entitled to recover from the company any amount of any settlement or judgment obtained by the insured, except at his own cost, voluntarily make any payment, assume any obligation or incur any expense other than his first aid to others at the time of accident.

## 6. Other Insurance
The insurance afforded by this policy is primary insurance, except when stated to apply in excess of or contingent upon the excess or contingent insurance. In the event of other insurance which is stated to be applicable to the loss on an excess or contingent basis, the amount of the company's liability under this policy shall not be reduced by the existence of such other insurance.

Where both this insurance and other insurance apply to the loss on the same basis, whether primary, excess or contingent, the company shall not be liable under this policy for a greater proportion of the loss than that stated in the applicable limit of liability of this policy.

## 7. Contribution by Limits
If any of such other insurance does not provide for contribution by limits, the company shall not be liable for a greater proportion of such loss than the applicable limit of liability of such other insurance. If any of such other insurance provides for contribution by limits, the company shall not be liable for a greater proportion of such loss than the applicable limit of liability of such other insurance multiplied by the ratio of the applicable limit of liability of all valid and collectible insurance against such loss.

## 8. Subrogation
In the event of any payment under this policy, the company shall be subrogated to all the insured's rights of recovery that he may have against any person or organization and the use of the proceeds shall be delivered into the hands of the insured and do whatever else is necessary to secure such rights. The insured shall do nothing after loss to prejudice such rights.