07.03 - HO-3 Section II Conditions

if more than one insured is involved in an occurrence, each is treated as if covered separately, however the liability limit isn't increased

• written notice to insurer
• cooperate
• forward legal documents promptly
• provide claim assistance
• submit evidence
• do not make voluntary payments

• written proof of claim
• authorize insurer to access medical records
• submit to medical exam by doctor chosen by insurer as often as required by insurer

• liberalization clause
• waiver or change in policy provisions
• cancellation
• nonrenewal
• assignment
• subrogation
• death