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b. Any device designed or used to detect <br />speed measuring equipment such as radar <br />orlaser detectors and any jamming appara- <br />tus intended to elude or 6ampt speed <br />measurement equipment, <br />c. Any electronic equipment, without regard to <br />whether this equipment is permanently in- <br />stalled, that receives o/ transmits audio, <br />visual or data signals and that is not de- <br />signed solely for the reproduction ofsound. <br />d. Any eooeoeohea used with the electronic <br />equipment described in Paragraph c. <br />Exclusions 4.c. and 4.d. do not apply to <br />a. Equipment designed solely for the repro- <br />duction of sound and accessories used with <br />epmducbonofaoundand000eeaoMeaueedvvith <br />such equipment provided such equipment <br />is permanently imytaHeg in the covered <br />''auto" at the time of the "|ooe~ or such <br />equipment is removable from a housing unit <br />vvNcM is permanently installed in the cov- <br />ered "'auto" at the time of the "loss"', and <br />such equipment is designed to be solely <br />operated by use of the power from the <br />`'auto's" electrical aymhern, in or upon the <br />covered "auto''.- or <br />lb. Any other electronic equipment that is: <br />(1) Necessary for the normal operation of <br />the covered "auto" or the monitoring of <br />the covered "auto's" operating system; <br />or <br />(2) An integral part ofthe same unit housing <br />any sound reproducing equipment de- <br />scribed in Paragraph a.above and per- <br />manently inetaNad in the opening of the <br />dash or console of the covered ^'outo" <br />normally used by the manufacturer for <br />installation of radio. <br />6. We will not pay for "loss" to a covered "auto" <br />due to "diminution in value". <br />C. Limit Of Insurance <br />1. The most we will pay for "loma in any omm"ao- <br />cident" isthe lesser ot <br />a. The actual cash value of the damaged or <br />stolen property as of the time of the "loss"; <br />or <br />b. The cost ofrepairing orreplacing the dam- <br />aged or ab�em property with other property <br />oflike kind and quality. <br />2. An acUuatment for depreciation and physical <br />condition vviQ be mode in determining actual <br />cash value in the event of a total "loss". <br />CA 00 01 03 06 <br />3. Ifmrepair orreplacement results &nbetter than <br />Re kind or quality, we will not pay for the <br />amount oYthe betterment. <br />For each covered ')suto'.our obligation topay for, <br />repmr, return orreplace damaged or stolen prop- <br />erty will be reduced by the applicable deductible <br />shown in the Declarations. Any Comprehensive <br />Coverage deductible shown in the Declarations <br />does not apply to"|oms'caused byfire m/lightning, <br />SECTION |V—BUSINESS AUTO CONDITIONS <br />The following conditions apply in addition to the <br />Common Policy Conditions: <br />A. Loss Conditions <br />1. Appraisal For Physical Damage Loss <br />Ifyou and wedisagree mnthe amount cflous. <br />either may demand an appraisal of the "loss". <br />|nthis event, each party will select acompetent <br />appraiser. The two appraisers will select e <br />competent and impartial umpire. The apprais- <br />ers will state separately the actual cash value <br />and amount of'^|oam^ |fthey fail 10agree, they <br />will submit their differences, to the umpire. A <br />decision agreed to by any two will be binding, <br />Each party will: <br />a. Pay its chosen appraiser; and <br />b. Bear the other expenses of the appraisal <br />and umpire equally. <br />If wesubmit 1oanappraisal, wevviUstil|nataim <br />our right tmdeny the claim. <br />2. Duties !nThe Event Of Accident, Claim, Suit <br />Or Loss <br />We have no duty to provide coverage under <br />this po[icy unless there has been full compli- <br />ance with the following duties: <br />a. In the event of "accident", claim, "suit` or <br />^loex^, you must give us nrour authorized <br />representative prompt notice of the ^eooi- <br />denVor'"|ooa"Include: <br />(1) Hmw, when and where the "accident" or <br />°|oso°oocurned� <br />(2) The ~inauned"a"name and addneou�and <br />(3) To the extent possib|e, the names and <br />addresses of any injured persons and <br />witnesses. <br />b. 4dditinme||y, you and any other involved <br />(1) Assume no obligation, make no pay- <br />ment or incur no expense without our <br />consent, except at t VInsured's" own <br />of 12 <br />@ ISO Properties, Inc., 2005 Q <br />