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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 disrupt speed <br />measurement equipment. <br />c. Any electronic equipment, without regard to <br />whether this equipment is permanently in- <br />ato||ed, that receives or transmits audio, <br />visual or data signals and that is not de- <br />signed mo|eVyfor the reproduction ofsound. <br />d. Any accessories used with the electronic <br />equipment described in Paragraph c. <br />above. <br />Exclusions 4.c. and 4.d. do not apply to: <br />a. Equipment designed solely for the repro- <br />duction of sound and <br />eduodomofeoundand accessories used with <br />such aquipmoant, provided such equipment <br />is permanently installed in the covered <br />^auto" at the time of the '1wms" or such <br />equipment is removable fromahousing un[t <br />which is permanently installed in the cov- <br />ered "auto" at the time of the ^loss'`, and <br />such equipment is designed to be au|e|y <br />operated by use of the power from the <br />''auto's~ electrical oyatern, in or upon the <br />covered ',auko°;or <br />b.Any other electronic equipment that is: <br />(1) Necessary for the monno| operation of <br />the covered ''auto" or the monitoring of <br />the oowanaM ^outo^s" operating system'. <br />or <br />(2) Anintegral part ofthe same unit housing <br />any mound reproducing equipment de- <br />achbed in Paragraph a.above and per- <br />manently <br />eprnanently installed in the opening of the <br />dash or console of the covered ^oubi' <br />normally used by the manufacturer for <br />installation of radio. <br />6. We will not pay for "loss" to e covered "auto" <br />due to "diminution in value". <br />C.Limit, OfInsurance <br />1.The most wewill pay for ^lose"bnany one "ac- <br />cidenf'iatheleeeerof <br />3. If repair or replacement results in better than <br />like kind or quality, we vviH not pay for the <br />amount ofthe betterment, <br />For each covered "auto", our obligation to pay for, <br />repair, return orreplace damaged or stolen prop- <br />ertyvviK| be reduced by the applicabie deductible <br />shown in the Declarations. Any Comprehensive <br />Coverage deductible shown in the Declarations <br />does not apply to'"|oom"caused byfire orlightning. <br />SECTION |V—BUSINESS AUTO CONDITIONS <br />The fu||mvvimg conditions apply in addition to the <br />Common Policy Conditions: <br />A. Loss Conditions <br />I. Appraisal For Physical Damage Loss <br />|fyou and vvedisagree onthe amount of"\nes'. <br />either may demand on appraisal of the "|oae^ <br />|nthis event, each party will select ocompetent <br />appraiser. The two appraisers will select a <br />competent and impartial umpire, The apprais- <br />ers will state separately the actual cash value <br />and amount of ^|oau^ If they faN to egneo, they <br />will submit their differences to the umpire. A <br />decision agreed to byany two will be binding. <br />Each party wffl� <br />a. Pay its chosen appraiser; and <br />b. Bear the other expenses of the appraisal <br />and umpire equally, <br />If we submit to an appraisal, we will still retain <br />our right todeny the claim. <br />2. Duties lnThe Event C)fAccident, Claim, Suit <br />Or Loss <br />We have no duty to provide coverage under <br />this policy um|eem there has been full oomnp|i- <br />ancevvith the following duties: <br />a. In the event of "accident", claim, "suit"' or <br />"|oam", you must give uaorour authorized <br />representative prompt notice of the "acci- <br />dent" or "loss". Include, <br />onoi'dent'or"lose".|no|ude, <br />(1) How, when and where the "a#cidenf' or <br />"loss" occurred; <br />� <br />a. The actual(2) The 1nuured�"name and addresa' and <br />actual o�m� value of the damaged or <br />stolen property as of the time of the "loss"'; (3) To the extent pmssib|e, the names and <br />or addresses of any injured persons and <br />b. The cost mfrepairing or replacing the dam- . <br />aged or stolen property with other property bi. AddihnneUy, you and any other involved <br />oflike kind and quality. "inoured'`must: <br />2. An adjustment for depreciation and physical (f) Assume no obligmtiom, make no pay - <br />condition m/8| be made in d*tmrmin�ng ectua| nne,nt or incur no expense without our <br />cash value [nthe event ofetotal "lnss".**J^, oonaent. except et the "imaunad's" own <br />—��W/ cost. <br />` <br />� <br />Page 7mf12 <br />NO <br />VIO <br />C/\O0$1 03 06 |k�Propmrtiem, Inc., 2005 <br />