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<br />maIleD whalthe AmOUIll ofInlUlllDCOis in Clllceu ofSl,CXlO.CXlO man be ubitrated
<br />oaty whea aped 10 by baIh the Camp&ny and the IDstnd. .AIbiUaIioa punwmtlO
<br />this policy and lIDderthe Rules in effectClll die dale the cIemanclfor ubiIIaliail is made
<br />or,llthe opiClll of the inImecI, the Rules in effectll D8Ie rI. Policy man be bincIiDa
<br />upoD the pmtiBs..The award may inc:lude aIICII'DeyI' fees ClIlly if the JaWI of the IItate
<br />in which the l8ncI is ~ pennila COUll 10 award aI1ClIDeyI' feel 10 a pevailin&
<br />pany. Juclp1eDl upoD the award .-Ieted by the Arbi1ndor(I)may be eawed in any
<br />COUll having jurisdiclion theId. '
<br />The Jaw rI.!be lilul of the land IhaIl apply 10 an ubiIraliClll uncIerthe TiIleIDmnnce
<br />AIbiIraliOD RWeI,' ,
<br />A copy rI.!be Rules may be obIainecI from !be Company upoD n:qDelL
<br />IS, UABIUTY UMITED TO THIS POUCY: POUCY ENTIRE
<br />cnNTRACT~ .
<br />(a> Tills poHcy together with all endorsements, If any, .uacllecl hereto by tile
<br />Company Is the entire polley andcontractbetweea the Insured and the Company.
<br />In Interpreting any provision of this polley, tills policy 1IIa11 be construed u a
<br />whole.
<br />(b) ADy claim Glloss ordalllllle, wbetheror not based on negligence, andwhlch
<br />arI... out 01 the ItatuJ 01 the tide to the estate or Interest covered hereby or by
<br />any action asserting such claim, sball be restricted to this policy,
<br />(c) No amendment 01 or endorsement to thll polley can be made acept by a
<br />wrItIpl endonell hereon or a\taelled I!ereto .~tbY~!,~er.the.PreIIdent,'a
<br />'VIce'Presldent the Secfttary, anAsslstimt Secretary, or vaHdallag aIIIcer or
<br />authorized ......tory GIllie Company. '
<br />16. SHVERABILlTY.
<br />In the event any provision of the policy il he1cI invalicl or unenfon:eab1e under
<br />applicable Jaw, !be policy Ihall be deemed ROllO include !bat provision and all cdIer
<br />provWOOI mall remain in full force and effect.
<br />17. N011CE.. WHERE SENT.
<br />,Allnolicel required 10 be given !be Company and any statement in writing required
<br />10 be furnished !be Company lhall include !be number of this policy and Ihall be
<br />addtelleCl 10 !be Company at P.O. Box 1591, Blloo Rouge, Louisiana 70821.
<br />COMPI.AINT NOTICE
<br />Should any dispute arise about your premium or about a dalm that you have
<br />tiled, contact the lIent or write to the Company that Issued the polley, If the
<br />_ problem Is not resolved, you allo may write theTeus DepartmentolInsurance,
<br />P,O. Dos 14_1, Austin, TX 78714-_1, Fa No. (511) 475-1771, ThlI notice
<br />01 complaint proCedure II for Informadon only and does not become a part or
<br />condldon GI the polley,
<br />
<br />lICClOIdanc:e with theMl CClIlctilioDllllCl StipJla1iCllll. the loll ~ 'damage Ihall be
<br />payable within 30 cIa)'l theIeafter.
<br />13. SUBROOATION UPONPA YMHNT ORSR'M'I..RMBNT.
<br />(a) 'The C"nnwanV'1 Ritrht rI. Suhmntion.
<br />Whenever !be Company IhaIl have IeUlecl met paid a clIIim under this policy, all
<br />right of lubrogatiClllshall veil in the Company unaffecllld by any act <<the inmred
<br />, cIaimanL
<br />The Company mall be IUbrogated 10 and be entitled 10 all rightllIlCI nmecliel that
<br />!be iIIIun:d claimant woulcI have had against any penon or propertY inRllpeclIO the
<br />claim had this policy nCll been islUed. If requellted by !be Company, !be inIun:cI
<br />claimantlhall tranlferlO the Company all righu and nmediel againllany perlClIl or
<br />prcpertY nec:eslary in orderlOperfect this right rl.lUbrogation. The inmred claimant
<br />shall pennil!be Company 10 _, c:ampromile or MlUle in !be name rI.!be insured
<br />claimant and 10 uMl!be nBlDe of !be inlured claimant in any tranlac:tion or IitigllliClll
<br />involving !beMl righu or nmediel.
<br />If a payment OIl account of a claim doeI DOl fully cover !be loal rI. the inlured
<br />claimant, die Company shall be IUbmgatedlO !belle righu and remediel in the
<br />proportion that the Company'l paymeat bean 10 the whole BlDoimt of !be loll.
<br />If lOll mould leIult from any act of !be inlUred claimant, u ..tedabove, that act
<br />sha11nCllvoid this policy, but !be Company, in lbatevent, man be requited 10 pay only
<br />that part of any loalell inmred againlt by this policy !batman exa:ecl !be BlDount, if
<br />any ,lOll 10 !be Company by rea&ClIl of !be impainnent by !be iIIIured claimant of the
<br />CompanY'1 right of IUbrogaIiClll. - . .
<br />(b) 'The CompanV'1 Riuu Aninll Noo-inmted Ohlil!Oll.
<br />The CompanY'1 right of IUbrogation againll DClIl-inlUl'lld obligOllIhall exiltand
<br />shall include, wirhautlimitalioo, die rightI of !be inlun:cl1O indannitiel, guaran1ieI,
<br />o!ber policiel of insurance or bandl, nCllwithstanding any teJmI or c:ondiIioIII
<br />CClIltained in !bose inllNlDeDU which provide for lubrogalioo righlI by teaIClIl <<this
<br />policy.
<br />14. ARBITRATION.
<br />Un1eIl,prohibited by applicable Jaw orunle.. thil BJbiuIlion Iedion il deleted by
<br />specific: provision in Schedule B of this policy, either the companyor!be inIun:cI may
<br />demand arbiuationpunuant IOthe TItle ArlJiui.tiooR.u1e1 or!be American Arbilralion
<br />Alsocialion. Albiuab1e mallen may include, but an: nClllimited 10, any CClIlllOVeny
<br />ordaim between !be Company and !belDluJedarising OUlof orn:lating 10 this policy,
<br />any service of the Company in CClIlDecliQII with ill isluance or!be bn:ach of a policy'
<br />provisim or other obligatioo. All arbiuable mal1el'l when the Amount of InIurance
<br />is $1,000,000 or leiS SHAll. Be ubibatedll die request of ei1her!be Company or
<br />!be Insured, unlell !be insured is an individual penon (u diltinguilhed from a
<br />corpontion, bUll, pannerlhip, ...ociatioo or other legal entity). All arbitrable
<br />
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