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<br />Page 2 of 4 © Insurance Services Office, Inc., 2012 CA 01 26 10 13 <br /> <br /> 2. $60,000 for "bodily injury" to two or more <br />persons caused by any one "accident"; and <br /> 3. $25,000 for "property damage" caused by any <br />one "accident". <br />This provision will not change the total Limit of <br />Insurance. <br />D. Changes In Auto Medical Payments Coverage <br />If the Auto Medical Payments Coverage <br />endorsement is attached, then Exclusion C.5. <br />relating to "bodily injury" to an "insured" while <br />working in a business of selling, servicing, <br />repairing or parking "autos", applies only if <br />workers' compensation benefits are available. <br />E. Changes In Garagekeepers Coverage <br />If the policy provides Garagekeepers Coverage, <br />any deductible will apply only to the amount of <br />"loss" and will not reduce the Limit of Insurance. <br /> F. Changes In Conditions <br /> 1. Paragraph 2. of the Cancellation Common <br />Policy Condition is replaced by the following: <br /> 2. We may cancel any type or limit of <br />coverage provided by this policy to the <br />extent that it cannot be ceded to the North <br />Carolina Reinsurance Facility as follows: <br /> a. If this policy has been in effect for less <br />than 60 days, we may cancel this policy <br />by mailing or delivering to the first <br />Named Insured written notice of <br />cancellation at least: <br /> (1) 15 days before the effective date of <br />cancellation if we cancel for <br />nonpayment of premium; or <br /> (2) 30 days before the effective date of <br />cancellation if we cancel for any <br />other reason. <br /> b. If this policy has been in effect for 60 <br />days or more, or is a renewal of a policy <br />we issued, we may cancel this policy <br />prior to the: <br /> (1) Expiration of the policy term; or <br /> (2) Anniversary date; <br />stated in the policy only for one or more <br />of the following reasons: <br /> (a) Nonpayment of premium. <br />Cancellation for nonpayment of <br />premium is not effective if the <br />amount due is paid before the <br />effective date set forth in the <br />notice of cancellation. <br /> (b) An act or omission by the <br />"insured" or his or her <br />representative that constitutes <br />material misrepresentation or <br />nondisclosure of a material fact in <br />obtaining this policy, continuing <br />this policy, or presenting a claim <br />under this policy. <br /> (c) Increased hazard or material <br />change in the risk assumed that <br />could not have been reasonably <br />contemplated by the parties at <br />the time of assumption of the risk. <br /> (d) Substantial breach of contractual <br />duties, conditions or warranties <br />that materially affects the <br />insurability of the risk. <br /> (e) A fraudulent act against us by the <br />"insured" or his or her <br />representative that materially <br />affects the insurability of the risk. <br /> (f) Willful failure by the "insured" or <br />his or her representative to <br />institute reasonable loss control <br />measures that materially affect <br />the insurability of the risk after <br />written notice by us. <br /> (g) Loss of facultative reinsurance, or <br />loss of or substantial changes in <br />applicable reinsurance as <br />provided in G.S. 58-41-30. <br /> (h) Conviction of the "insured" of a <br />crime arising out of acts that <br />materially affect the insurability of <br />the risk. <br /> (i) A determination by the <br />Commissioner of Insurance that <br />the continuation of the policy <br />would place us in violation of the <br />laws of North Carolina. <br /> (j) You fail to meet the requirements <br />contained in our corporate <br />charter, articles of incorporation, <br />or bylaws, when we are a <br />company organized for the sole <br />purpose of providing members of <br />an organization with insurance <br />coverage in North Carolina. <br />DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637