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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 />o. Any electronic equipment, without regard to <br />whether this equipment is permanently in- <br />sta||ed, that naceiwax or transmits eudio, <br />visual or data signals and that is not de- <br />signed solely for the reproduction of sound <br />*+eigmedmm|e!yfortherepnodudioncfamumd <br />d. Any accessories used with the electronic <br />equipment described in Paragraph u. <br />above. <br />Exclusions 4.n.and 4.d.donot apply to: <br />a. Equipment designed solely for the repro- <br />duction ofsound and accessories used with <br />such equipmnent, provided such equipment <br />is permanently installed in the covered <br />"auto" at the time of the ''|ouo" or such <br />equipment ieremovable from mhousing unit <br />which is permanently installed in the cov- <br />ered <br />mvmned "auto" at the time of the ~|oas^, and <br />such equipment is designed to be mu|aly <br />operated by use of the power from the <br />''auto's" etectrioa| syatemn, in or upon the <br />covered ,'autn";mr <br />b. Any other electronic equipment that is: <br />(1) Necessary for the normal operation of <br />the covered ,'auto"orthe monitoring of <br />the covered "auto's" operating eyatam� <br />or <br />(2) An integral part ofthe same unit housing <br />any mound reproducing equipment de- <br />aohbed in Paragraph o.above and per- <br />manently installed <br />epmennnNymatmUed inthe opening of the <br />dash or console of the m»mawwd "auto" <br />normally used by the manufacturer for <br />installation of radio. <br />5. We will not pay for '`|oam^ to a oowsmad ^eubo" <br />due to "diminution in value". <br />C. Limit Of Insurance <br />1. The most we will pay for ^loms' in any one "ac- <br />cident" �s the lesser of: <br />m. The actual cash value of the damaged or <br />stolen property as of the time ofthe "loss"; <br />or <br />b. The cost ofrepairing orreplacing the dam- <br />aged or stolen property with other property <br />of like kind and quality. <br />2. An adjustment for depreciation and physic <br />condition will be made in determining <br />cash value in the event of a total "loss", <br />OG <br />%. If arepair orreplacement results inbetter than <br />like kind or quality, we will not pay for the <br />amount ofthe betterment. <br />D. Deductible <br />For each covered ^euto", our obligation to pay for, <br />repair, 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 "loss" caused byfire orlightning. <br />SECT|ONPV—BUS|NESS AUTO CONDITIONS <br />The hz||mming 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 onthe amount of7oaa^, <br />either may demand an appraisal of the "loss". <br />|nthis event, each party will select acompetent <br />appraiser. The two appraisers will select m <br />competent and impartial umpire. The apprais- <br />ers will state separately the actual cash value <br />and amount of"|ooa" |fthey fail 0oagree, 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 />o. 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 KnThe Event Of Accident, Claim, Suit <br />OirLoss <br />We have no duty to p�novid* uowanmge under <br />this poYioy um|aee there has been hu|U ommp|i- <br />onoewith the following duties: <br />a. In the event of "accident", claim, "suit" or <br />~oam', you must give us or our authorized <br />representative prompt notice of the "acci- <br />dent" or "loss" <br />acoi-dent'or"|oen" Include: <br />(1) How, when and where the ^aucidemY'or <br />"|oaa^'occurred: <br />(2) The ~inamred's"name and address; and <br />(3) To the extent poouible, the names and <br />addresses of any injured persons and <br />witnesses. <br />b. AdditionaHy, you and any other involved <br />"insured" must: <br />(1) Aoamma no obligadom, make no pay <br />+~ ment or incur no expense without our <br />consent, except at the "insuped^a" own <br />cost. <br />Page 7 of 12 <br />CA 00 01 03 06 0 ISO Properties, Inc., 2005 <br />