Page 3 - HEADING TEXT

INSURED’S DUTIES........................................ 27 Where Coverage Applies..................................29
Newly Owned or Newly Leased Car................29
Notice to Us of an Accident or Loss................ 27
Notice to Us of a Claim or Lawsuit ................. 27 Changes to This Policy.....................................29
Insured’s Duty to Cooperate With Us .............. 27 Premium...........................................................30
Questioning Under Oath.................................. 27 Renewal............................................................30
Other Duties Under the Physical Nonrenewal ......................................................30
Damage Coverages.......................................... 28 Cancellation......................................................30
Other Duties Under Medical Payments Assignment.......................................................31
Coverage, Uninsured Motor Vehicle Bankruptcy or Insolvency of the Insured .........31
Coverage, Underinsured Motor Vehicle
Coverage, Death, Dismemberment and Concealment or Fraud ......................................31
Loss of Sight Coverage, and Loss of Our Right to Recover Our Payments................31
Earnings Coverage........................................... 28
Legal Action Against Us...................................31
GENERAL TERMS .......................................... 29 Choice of Law..................................................31
When Coverage Applies .................................. 29 Severability ......................................................32

THIS POLICY
1. This policy consists of: (2) Neither you nor any member of your
a. the most recently issued Declarations Page; household has, within the past three
b. the policy booklet version shown on that years, had either:
Declarations Page; and (a) a license to drive; or
c. any endorsements that apply, including (b) a vehicle registration
those listed on that Declarations Page as
well as those issued in connection with any suspended, revoked, or refused.
subsequent renewal of this policy. (3) Your car is used for pleasure and
2. This policy contains all of the agreements be- business.
tween all named insureds who are shown on
the Declarations Page and all applicants and: 4. All named insureds shown on the Declarations
Page and all applicants agree by acceptance of
a. us; and this policy that:
b. any of our agents. a. the statements in 3.b. above are made by
3. We agree to provide insurance according to the such named insured or applicant and are
terms of this policy: true; and
a. based on payment of premium for the cov- b. we provide this insurance on the basis
erages chosen; and those statements are true.
b. unless otherwise stated in “EXCEPTIONS,
POLICY BOOKLET, & ENDORSE- 5. Your purchase of this policy may allow you to
MENTS” on the Declarations Page, in reli- purchase certain coverages, coverage options,
ance on the following statements: coverage deductibles, coverage limits, or cov-
(1) The named insured shown on the Dec- erage terms on other policies from the State
larations Page is the sole owner of Farm Companies, subject to their applicable
your car. eligibility rules.

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9825A