The text in the image appears to be a legal document, specifically an insurance policy from Zurich Insurance Company. Below is a transcription of the text:

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**8. Severability of Interests.** The term "the insured" is used severally and not collectively, but the inclusion herein of more than one insured shall operate to increase the limits of the company's liability.

**9. Financial Responsibility Laws—Coverage A and B.** When this policy is received as part of a financial responsibility law in effect at any time under the provisions of the motor vehicle financial responsibility law of any state or province, such insurance as is afforded by this policy for bodily injury liability or property damage liability shall comply with the provisions of such law and the company will assume any and all liability arising out of the ownership, maintenance, or use during the policy period of any automobile insured hereunder, to the extent that the coverage and limits of liability required by such law apply to such event and are not limited by the liabilities stated in this policy. The insured agrees to reimburse the company for any payment made by the company which it would not have been obligated to make under the terms of this policy except for the agreement herein.

**10. Notice of Accidents.** When an accident occurs written notice shall be given by or on behalf of the insured to the company or any of its authorized agents as soon as practicable. Such notice shall contain particulars sufficient to identify the insured and also reasonably obtainable information respecting the time, place, and circumstances of the accident, the names and addresses of persons present at the accident, and of available witnesses.

**11. Waiver of Claim or Suit.** If claim is made or suit is brought against the insured, the insured shall immediately forward to the company every demand notice, summons or other process received by him or his representative.

**12. Assentance and Cooperation of the Insured.** The insured shall cooperate with the company and, upon the company's request, shall attend hearings and trials and shall assist in effecting settlements thereon, giving evidence, obtaining the attendance of witnesses and in the conduct of suits. The insured shall not, except at his own cost, voluntarily make any payment, assume any obligation or incur any expense other than for such medical, hospital, and surgical relief to others as shall be imperative at the time of accident.

**13. Action Against Company.** No action shall lie against the company unless, as a condition precedent thereto, the insured shall have fully complied with all the terms of this policy, nor until the amount of the insured's obligation to pay shall have been finally determined either by judgment against the insured after full trial or by written agreement of the insured, the claimant and the company.

Any 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 insured's interest in this policy. The company shall give any person or organization any right to join the company as a co-defendant in any action against the insured to determine the insured's liability.

Bankruptcy or insolvency of the insured or of the insured's estate shall not relieve the company of any of its obligations hereunder.

**14. Other Insurance.** If the insured has other insurance against a loss covered by this policy the company shall not be liable under this policy for a greater proportion of such loss than the applicable limit of liability stated in the declaration bears to the total applicable limit of liability stated in the declaration.

**15. Subrogation.** In the event of any payment under this policy, the company shall be subrogated to all the insured's rights of recovery therefrom against any person or organization and the insured shall execute and deliver instruments and papers and do whatever else is necessary to secure such rights. The insured shall not, without the prior written consent of the company, release any of such rights.

**16. Three Year Policy.** The policy period of three years is comprised of three consecutive annual periods. Rates for hazards described in division 2 and 3 of the Description of Hazards are subject to amendment for the second and third annual periods in accordance with the company's rules and rating plans. Amended rates shall be stated by endorsement issued in force at the end of each policy period. Contemporaneous balance of entire premium shall be made at the end of each annual period. Aggregate limits of liability as stated in this policy shall apply separately to each annual period.

**17. Changes.** Notice to any agent or knowledge possessed by any agent or other person shall not affect the terms or changes in the terms of this policy or estop the company from asserting any right under these terms of this policy; nor shall the terms of this policy be waived, changed, excepted, or otherwise altered to favor a part of this policy signed by any unauthorized agent of the company.

**18. Assignment.** Assignment of interest under this policy shall not bind the company until its consent is endorsed hereon; if, however, the name insured shall die, this policy shall cover (1) the named insured's legal representative as the named insured and (2) such other person as the policyholder may designate as having temporary custody of any owned automobile or hired automobile as an insured, until the appointment and qualification of such legal representative; provided that notice of such assignment to the insured named in the declarations and mailed to the address shown in this policy shall be sufficient notice to effect cancellation of this policy.

**19. Cancellation.** This policy may be canceled by the named insured by surrender thereof to the company or any of its authorized agents by mailing to the company written notice stating when the cancellation shall take effect. The policy may be canceled by the company by mailing to the named insured at the address shown in this policy written notice stating when not less than ten days thereafter such cancellation shall take effect. The policy may be canceled by the company by mailing to the named insured at the address shown in this policy written notice stating the time of the surrender and the hour of cancellation stated in the notice shall become the end of the policy period. Delivery of such written notice either by the named insured or by the company shall be deemed delivery.

If the named insured cancels, earned premium shall be computed in accordance with the customary short rate table and procedure. If the company cancels, earned premium shall be computed pro rata. Premium adjustment may be made either at the time cancellation reference is made or at the expiration of the policy period, whichever becomes effective, but payment or tender of unearned premium is not a condition of cancellation.

**20. Declarations.** By acceptance of this policy the named insured agrees that the statements in the declarations are his agreements and representations that this policy is issued in reliance upon the truth of such representations and that this policy embodies all agreements existing between himself and the company or any of its agents relating to this insurance.

Form 919-E. rev. 12-19-56; rev. 4-17-57; rev. 11-1-57.
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This transcription captures the content of the document as accurately as possible.