Post on 21-Aug-2020
FormEA820PGA(10/12)©Ethio-AmericanInsuranceCompany,Inc.2012 Page1
Ethio-American Insurance Company, Inc.
Taxi Cab Driver Policy
Georgia
FormEA820PGA(10/12)©Ethio-AmericanInsuranceCompany,Inc.2012 Page2
ETHIO-AMERICAN INSURANCE COMPANY, INC.
TAXICAB DRIVER/OWNER INSURANCE POLICY
(Georgia)
NOTICE: THE TERMS AND RESTRICTIONS ON COVER-
AGE CONTAINED IN THIS INSURANCE POLICY ARE
BASED UPON THE INFORMATION YOU PROVIDED IN
YOUR APPLICATION FOR INSURANCE COVERAGE. THE
INFORMATION YOU PROVIDED HAS BEEN USED TO
ASSESS THE RISK OF LOSS AND OTHER TERMS CON-
TAINED IN THIS POLICY AND YOUR COVERAGE LIMITS
UNDER THIS POLICY.
PLEASE REVIEW THE ENTIRE POLICY AND YOUR APPLI-
CATION CAREFULLY. YOU ARE RESPONSIBLE FOR SE-
LECTING AND MAINTAINING AT LEAST THE MINIMUM
COVERAGES REQUIRED UNDER APPLICABLE MUNICI-
PAL CODES, ORDINANCES, AND/OR REGULATIONS FOR
YOUR TAXICAB BUSINESS.
I. General Defini ons
As used throughout this Policy:
1. The terms “you”, “your”, “yours”, and/or any
deriva6ve thereof shall mean the name of each
“insured taxicab driver”, individually, listed on
the Declara6on Page.
a. No “insured taxicab driver” listed on the
Declara6on Page is an authorized agent,
employee, assignee, or beneficiary of any
rights or coverage of another driver or
named insured taxicab driver listed unless
otherwise expressly provided in an en-
dorsement signed by us.
b. Some city ordinances, county rules and/or
local regula6ons in Georgia coun6es and/
or municipali6es expressly require that a
taxicab driver be the owner of the cab ser-
vice or employee of the taxicab company. If
you are a driver with a permit issued
through such a local jurisdic6on or licens-
ing en6ty, “you”, “your”, “yours” and/or
any deriva6ve thereof shall also mean the
named insured taxicab company listed on
your Declara6on Page for each named in-
sured driver; provided however, that the
taxicab company is also iden6fied as a
named insured on the policy.
2. The terms “Ethio-American”, “we”, “our”, “ours”
or any deriva6ve thereof shall refer to the insur-
ance carrier, Ethio-American Insurance Compa-
ny, Inc., its successors and assigns.
3. The terms “this insurance policy” or “Policy” or
any deriva6ve thereof means this document, the
Declara6on Page, the Uninsured Motorist Elec-
6on Form, and any endorsements or riders,
which are incorporated herein as one document.
No riders or endorsements are part of this Policy
unless they are signed by us and the Declara6on
Page is signed by us.
4. The term “motor vehicle” means any vehicle,
machine, tractor, trailer, or semitrailer propelled
or drawn by mechanical power and used upon
the highways in the transporta6on of passengers
or property, or any combina6on thereof.
a. Any trailer, semitrailer, or other wheeled
device in tow or otherwise aCached to the
motor vehicle(s) listed on the Declara6on
Page is not considered a “motor vehicle” or
part of a “motor vehicle” under this Policy
and is not covered by this Policy.
b. Any motorcycles, power equipment,
lawnmowers, off-road vehicles, motor vehicle
(s), or other equipment or property of any
kind that is in tow or on a trailer, semitrailer,
or other wheeled device aCached to the ve-
hicle(s) listed on the Declara6on Page is not
considered a “motor vehicle” under this Poli-
cy and is not covered by this Policy.
5. The term “effec6ve date of coverage” means
the date and 6me listed on your Declara6on
Page for when your insurance coverage for the
motor vehicle(s) and drivers listed on the Decla-
ra6on Page first goes into effect.
FormEA820PGA(10/12)©Ethio-AmericanInsuranceCompany,Inc.2012 Page3
6. The term “accident” is an unexpected happen-
ing rather than one occurring through inten-
6on or design.
7. As used herein, “taxicab” carries the same
meaning as “taxi cab.”
8. The term “Declara6on Page” means the signed
“Declara6ons” page(s) with your policy number.
It must be signed by us to be a “Declara6on
Page” as defined herein. You are not covered
from any type of liability under this Policy un6l
we sign the Declara6on Page.
9. The term “covered accident” means an accident
that first occurs within the period of coverage
listed on the Declara6on Page to which the
terms and condi6ons set forth in this Policy
apply and have been met for providing cover-
age within the policy limits, subject to deduc6-
bles stated on the Declara6on Page.
10. The term “covered loss” means a loss to prop-
erty or other damages that first occurs within
the period of coverage listed on the Declara6on
Page to which the terms and condi6ons set
forth in this Policy and have been met for
providing coverage within the applicable limits,
subject to deduc6bles stated on the Declara6on
Page.
11. The term “taxicab company” means the named
insured taxicab company stated on your Decla-
ra6on Page for each separate driver.
II. What motor vehicles are covered under this
Policy?
1. The motor vehicle(s) listed on the Declara6on
Page are covered motor vehicles subject to the
terms and condi6ons in this Policy.
2. The terms and condi6ons affec6ng the insur-
ance coverage for each such listed motor vehi-
cle in the event of a covered accident or cov-
ered loss are stated in this Policy.
3. The monetary policy limits of the insurance
coverage you have selected, together with
applicable deduc6ble(s), are stated on your
Declara6on Page. Read the terms and condi-
6ons, as well as the coverage you have select-
ed, carefully. You are responsible for maintain-
ing the insurance applicable to your taxi per-
mit, license, and/or CPNC.
III. For the motor vehicle(s) listed on the Declara-
on Page, are there any uses of the motor vehi-
cle(s) that are not covered by this Policy?
Yes.
1. The motor vehicle(s) listed on your Declara6on
page are NOT covered motor vehicle(s) under
this Policy against liability for bodily injury or
property damage if you allow someone to drive
or operate the motor vehicle(s) other than:
a. yourself as a licensed taxicab driver with
a valid permit for you personally under a
taxicab company that was in good stand-
ing at the 6me of your applica6on for
insurance coverage from us;
b. another person that has been approved
by Ethio-American and the State of
Georgia or local taxi cab regulatory com-
mission as an approved and licensed taxi
cab driver with a valid permit. Unless
such other person is listed on the Decla-
ra6on Page as a named insured driver or
on another policy with your named taxi-
cab company on the Declara6on Page
for the relevant period of coverage, such
other person has NOT been approved by
Ethio-American as a driver to operate
the motor vehicle(s) listed on your Dec-
lara6on Page.
2. We will not pay for bodily injury or property
damage claims that are caused by an other-
wise covered accident or loss that occurs
when the motor vehicle(s) listed on your Dec-
lara6on Page are being used for personal
purposes by you, any approved drivers, or
any other person. For purposes of this Policy,
a motor vehicle is being used for “personal
FormEA820PGA(10/12)©Ethio-AmericanInsuranceCompany,Inc.2012 Page4
purposes” when it is being driven, parked, or
stored in any manner for any purpose other
than the pick-up and transport of passengers
for hire by an approved driver. If you use the
motor vehicle(s) listed on your Declara6on
Page for personal purposes, you must obtain
separate insurance for such uses that are not
part of this Policy for commercial use only.
3. If, at any 6me aLer the effec6ve date of cov-
erage you or any other approved driver pur-
chases, rents, leases, drives, borrows or oth-
erwise operates a motor vehicle that is NOT
listed on the Declara6on Page, for personal
purposes, as a vehicle for hire under a Geor-
gia Cer6ficate of Public Convenience and Ne-
cessity, or any other purpose, this Policy does
not cover that vehicle or any bodily injury or
property damages that arise from any acci-
dent or loss involving that vehicle.
4. Motor vehicle(s) that are not listed on your
Declara6on Page are NOT covered by this
Policy.
IV. Who is a covered driver under this Policy?
The driver(s) listed on the Declara6on Page is a cov-
ered driver for covered accidents and losses to which
this Policy applies, while opera6ng such driver’s cov-
ered motor vehicle.
V. What Liability Coverage is provided under this
Policy?
A. Property Damage and Bodily Injury
1. For a covered accident to which this Policy
applies, we will pay for bodily injuries and
property damages that you are legally re-
quired to pay as the negligent party, up to
the limits of coverage stated on the Declara-
6on Page; provided further however, that for
any covered accident to which this Policy
applies, you have met your obliga6ons under
this Policy, paid the premium for liability cov-
erage in full, and the Policy has not been can-
celled prior to the accident or loss. The prop-
erty damage and bodily injury coverage in the
preceding sentence applies to liability im-
posed by law for damages based upon your
ownership, maintenance, or use of the motor
vehicle or motor vehicles within the United
States or the Dominion of Canada, subject to
the limits stated on the Declara6on Page and
the terms and condi6ons of this Policy, exclu-
sive of interest and costs accrued from a cov-
ered accident or loss. Such interest and costs
are also covered by us with regard to covered
accidents and losses under this Policy.
2. The maximum we will pay for a single cov-
ered accident or covered loss to which this
Policy applies is stated on the Declara6on
Page. An accident that gives or may give rise
to a separate cause of ac6on, whether actual-
ly brought as a separate ac6on or not, shall
be considered a separate accident that will
not increase the limits stated on your Decla-
ra6on Page per accident.
EXCLUSIONS TO COVERAGE FOR PROPERTY DAM-
AGE AND BODILY INJURY
This Policy does not provide you with liability cov-
erage for bodily injury damages, property damages, or
any other claims of any kind that are caused by or
arise out of the following:
a. Acts of terror or war. Bodily Injury or
property damage that is caused by any
event or act of war or terrorism, either
directly or indirectly;
b. Third Party/Employee/co-worker claims.
Injuries and losses that are or should be
compensable under Georgia’s Workers’
Compensa6on laws, by any third party,
employer, carrier, or yourself as a statuto-
ry employer or in any other capacity. In no
event shall this Policy subs6tute for, re-
place, or otherwise obligate us to cover
damages of any kind that is subject to any
workers’ compensa6on statutory scheme
in any state, or garage keeper insurance,
FormEA820PGA(10/12)©Ethio-AmericanInsuranceCompany,Inc.2012 Page5
or a general liability policy of a taxicab
company or other en6ty. This Policy does
NOT cover bodily injury or property dam-
age claims by co-workers, property or
employees of yours or any taxicab compa-
ny you are or may be affiliated with or
operate under contract with as an inde-
pendent contractor or employee.
c. Inten onal acts. An act that you intend
to cause or reasonably expect will cause
bodily injury or property damage is not
covered by the insurance provided under
this Policy. A contract you enter into to
cover or assume liability for bodily injury
or property damage that has not already
been incurred or accrued as a claim or
chose in ac6on as part of an otherwise
covered accident or loss is not covered by
this Policy. Property damage or bodily
injury arising from racing events, unau-
thorized and inten6onal tailga6ng at taxi-
cab stands, or similar inten6onal acts, are
not covered by this Policy.
d. Miscellaneous damages as to property in
the taxicab driver’s custody or control.
This policy does not provide coverage for
property damage claims made by your
passengers, you, or any other persons
with regard to property (other than the
covered vehicles listed on the Declara6on
page) owned or transported by you, or
that was or is in your personal custody or
control.
e. Taxi cab passenger property loading, un-
loading. This Policy does not provide cov-
erage for bodily injury or property dam-
age that is caused by or results from the
loading of luggage or other property onto
your covered vehicle by means of a ma-
chine or other devise other than a hand
truck or loader that is aCached to your
vehicle or regularly used by you and regu-
larly carried in the vehicle for loading and/
or unloading of passengers or their prop-
erty.
f. Drivers and motor vehicles not listed on
the Declara on Page. This Policy does
not apply to accidents or losses of any
kind that do not involve covered drivers
and covered motor vehicle(s) listed on
your Declara6on Page.
g. Vehicle(s) used for personal use. This
Policy does not provide insurance protec-
6on to you or any of the drivers listed on
the Declara6on page when the vehicles
listed on the Declara6on are used for per-
sonal purposes.
h. Hazardous and toxic substances. Bodily
Injury and property damage that is caused
by the release of Hazardous and Toxic
substances at the 6me of or as a result of
an accident are not covered by this Policy.
“Hazardous and toxic substances” means
those chemicals or other substances
which are capable of causing harm. In this
defini6on, the term chemicals includes
dusts, mixtures, and common materials
such as paints, fuels, and solvents. OSHA
currently regulates exposure to approxi-
mately 400 substances. The OSHA Chemi-
cal Sampling Informa6on (CSI) file con-
tains lis6ngs for approximately 1500 sub-
stances; the Environmental Protec6on
Agency's (EPA's) Toxic Substance Control
Act (TSCA) Chemical Substances Inventory
lists informa6on on more than 62,000
chemicals or chemical substances; some
libraries maintain files of material safety
data sheets (MSDS) for more than
100,000 substances. All such substances
cons6tute “Hazardous and toxic substanc-
es” for purposes of this Policy.
i. The chemicals that are inherently
part of the vehicle(s) listed on the
Declara6on page, in its original and
unmodified state from the original
FormEA820PGA(10/12)©Ethio-AmericanInsuranceCompany,Inc.2012 Page6
vehicle manufacturer, such as brake
fluid, power steering fluid, oil,
grease, bonded adhesives, and gaso-
line, are not “Hazardous and toxic
substances” for purposes of this Poli-
cy.
ii. We will pay for the clean-up of chemi-
cals iden6fied in subparagraph h(i) of
this part, to the extent required under
applicable statute, ordinance or court
order, provided the release of the
chemicals was the result of a covered
accident to which this Policy applies.
B. Your legal defense against covered damages
claims to which this Policy applies.
1. We will hire an aCorney to defend you and pay
all filing fees and li6ga6on costs incurred by our
appointed aCorney(s) to defend you against
claims of third par6es for covered accidents and
covered losses of which this Policy applies; pro-
vided however, that you must cooperate with us
and the aCorney we appoint for you to provide
you a defense. Your obliga6ons to cooperate in
the event of an accident, loss, or claim are out-
lined here:
a. You must no6fy us of a claim as soon as pos-
sible aLer the accident occurs. If there is
property damage, you must take reasonable
steps to avoid further damage to the prop-
erty.
b. If you are sued or served with papers you
must forward a copy of all of the papers to
us immediately. The contact informa6on to
call in the no6ce of the suit and where to
send the papers you are served with or re-
ceive rela6ng to a lawsuit or demand has
been provided to you as part of this Policy.
The informa6on is on your cer6ficate of
insurance which you will need to keep with
you to verify you have the insurance needed
under Georgia law applicable to taxi cab
drivers.
c. You must keep us up to date with your cur-
rent address and contact informa6on. If a
claim is made, we will send you a wriCen
request to the address you have provided to
us outlining the date, 6me, and place for
you to come in and provide us, and specifi-
cally the claim handler inves6ga6ng your
claim, with a statement. You are required to
provide the statement to the claim handler,
allow the inspec6on of any property dam-
age, and provide the date, 6me, place and
circumstances surrounding accident or loss
in ques6on. This is part of our inves6ga6on
of the claim being made. Failure to cooper-
ate in giving no6ce of the claim in sufficient
6me for us to inves6gate and provide you
with an aCorney in the event a suit is filed,
may result in a loss of coverage for failure of
your obliga6on to cooperate.
d. Failure to provide us with a statement about
the accident as described above in the pre-
ceding paragraph (c) may also result in a
loss of coverage for failure to cooperate. If
we cannot locate you, or the aCorney we
appoint to represent you cannot locate you,
your address and contact informa6on is not
correct, and we cannot in good faith inves6-
gate or determine the merits of the claims
brought against you to which this policy may
apply, or we cannot in good faith determine
whether you or we have a defense to claim
because you are not coopera6ng with us or
the aCorney we appoint for you, you may
lose coverage under this Policy due to non-
coopera6on with us. Please keep us up to
date with any address changes, phone num-
ber(s) and other contact informa6on ac-
cordingly so that you may have con6nued
communica6on with us.
e. We have the exclusive right to hire counsel,
examine the case or claims made against
you in the event of an accident or a loss,
appoint counsel to defend you in any tort
ac6on, and otherwise nego6ate the seCle-
ment of the claim or claims on your behalf
FormEA820PGA(10/12)©Ethio-AmericanInsuranceCompany,Inc.2012 Page7
to the extent of the Policy limits. You may
wish to hire addi6onal counsel to assist you
with any claims to the extent you have oth-
er available insurance for a covered accident
or loss and/or an accident has damages
claims that equal or exceed the maximum
limits of your insurance coverage as stated
on your Declara6on Page. The aCorney we
appoint for you is required to represent
your interests to the extent of your cover-
age under the Policy, but is not hired by us
to represent you as to personal liability you
may have once your limits are exhausted,
other than to con6nue to represent you in
the case even if we decide to pay policy lim-
its. We will not pay for any aCorneys you
select or hire separately to protect your
interests above policy limits for asset pro-
tec6on (other insurance), bankruptcy, es-
tate or other legal maCers. We also have
the exclusive right to select and hire counsel
to defend your and our interests within the
policy limits.
f. You should not speak to counsel for the oth-
er par6es to the accident un6l you have
contacted us and we have appointed an
aCorney for you in the liability case.
g. You must no6fy the police immediately up-
on theL of the motor vehicle(s) listed on
your Declara6on Page, or theL of any prop-
erty or equipment in or a part of the motor
vehicle(s) you feel is covered by this Policy.
h. If you fail to meet the obliga6ons you have
to us under this Policy, you may lose cover-
age and the right under this Policy for us to
appoint counsel for you in the event a claim
is made against you. We have the right to
deny coverage and the obliga6on to defend
you under this Policy due to any such failure
to meet your obliga6ons.
2. The payments for your defense and costs of li6-
ga6on we make for you under this part are in
addi6on to the limits stated on your Declara6on
Page that we will cover for you subject to the
terms and condi6ons of this Policy.
3. You have informed us that you and the driver(s)
listed on the Declara6on Page operate motor
vehicle(s) of the private passenger or sta6on
wagon type that is used as a public or livery con-
veyance for passengers, as licensed taxicab driv-
er(s) almost exclusively in Georgia. For such taxi-
cab fares in which you or a covered driver are
transpor6ng a passenger outside the state of
Georgia in a covered motor vehicle, we will con-
sider your Declara6on Page and this Policy to
provide you with the limits stated on your Decla-
ra6on Page, or the minimum insurance coverage
limits legally required of the jurisdic6on in which
the accident occurred for your vehicle, whichev-
er is greater, to the extent this Policy applies and
provides coverage and provided further that you
are opera6ng the motor vehicle(s) in accordance
with the rules and regula6ons applicable to the
out of state fare(s).
4. For a covered motor vehicle that is a taxicab you
obtain a license in and operate within the corpo-
rate limits of municipali6es and are subject to
regula6on by the governing authori6es of such
municipali6es, you may have different minimum
coverage requirements than other jurisdic6ons
in Georgia. IT IS YOUR RESPONSIBILITY TO TELL
US THE JURISDICTION THAT APPLIES TO YOUR
LICENSE AND THE MINIMUM COVERAGES (OR
HIGHER) THAT YOU ARE REQUESTING FOR YOUR
OWN TAXICAB BUSINESS.
VI. Comprehensive and Collision Coverage
1. For the vehicle(s) that you have selected
Comprehensive and Collision Coverage on as
stated in the Declara6on Page, we will pay
up to the maximum coverage amount stated
for property loss arising from (1) theL; (2)
fire, lightning, explosion (other than as
caused by an act of war or terrorism); (3)
acts of God such as tornado, hail, earth-
quake, flood, or windstorm; (4) vandalism;
(5) damages associated with the transport of
FormEA820PGA(10/12)©Ethio-AmericanInsuranceCompany,Inc.2012 Page8
the vehicle; (6) broken glass to any window
or windshield due to rocks, debris or other
unintended event; (7) collision with another
object in an accident; or (8) overturning of
the vehicle in an accident.
2. The maximum amount of the Comprehen-
sive and Collision Coverage is stated on the
Declara6on page. There is no obliga6on on
our part to pay the maximum amount if the
aggregate property damage from a covered
accident or loss is less than the stated limits.
Subject to the provisions of this Policy, we
will pay the lesser of (a) the actual cash value
(ACV) of a vehicle or other damaged proper-
ty at the 6me of the accident (“6me of loss”);
or (b) the reasonable costs of repair.
3. For any damaged or stolen property, we may
choose to repair or replace the property in
our discre6on, or pay for it based upon an
agreed or appraised value. If we choose the
laCer op6on to pay for it, we will take pos-
session of the damaged or recovered stolen
property at our expense and free of any
claims by you upon tender of the agreed or
appraised value.
4. Before making any payments for property
damage to you as a first party, we have the
right to inspect the vehicle(s) in ques6on, and
obtain an appraisal for costs of repair, together
with any applicable es6mates for diminished
value in the property as a result of the repairs,
in accordance with and subject to Georgia laws
and regula6ons rela6ng to the 6mely resolu-
6on of first party insurance claims. Those reg-
ula6ons apply where in conflict with the proce-
dures here.
a. To the extent permiCed, and subject
to first party arbitra6on rules as may
be applicable, in the event of a disa-
greement between us and you with
regard to any appraisal or es6mate as
to the covered losses due to property
damage, you may select and submit at
your own expense a separate apprais-
al.
b. You must submit your appraisal to us
within fiLeen (15) days of receiving
our appraisal. We reserve the right to
consider your appraisal and request a
third or consecu6ve appraisal or re-
view. The par6es will pay their own
costs of the appraisals they obtain, and
will split the costs of the third apprais-
al evenly. We reserve the right to deny
the claim or claims for property dam-
age and further do not waive any
terms or condi6ons of this Policy by
submiRng the claim for appraisal(s),
or to arbitra6on. Notwithstanding any
of the foregoing provisions, any disa-
greements we may have as to claims
for total losses, elec6ons of coverage,
and issues with regard to whether we
can seek payment from other policies
shall be governed by the Standards for
Prompt and Fair SeClements of First
Party Property Damage Claims, sec6on
120-2-52-.03.
5. The following coverage and related exclusions
apply to Comprehensive and Collision Coverage
if purchased:
a. REPLACEMENT VEHICLE. We will also pay
up to $20 per day for up to 30 days for
temporary subs6tute transporta6on un6l
your vehicle has been repaired or should
have been repaired upon reasonable dili-
gence on your part to cooperate with the
inspec6on and repair.
b. LOST INCOME AS A TAXICAB DRIVER. For
your taxicab business, to the extent you
have no temporary subs6tute transporta-
6on, we will pay for lost income, up to $20
per day for a maximum of 30 days.
c. NORMAL WEAR AND TEAR, ROAD DAM-
AGE AND OTHER EXCLUSIONS. We will
FormEA820PGA(10/12)©Ethio-AmericanInsuranceCompany,Inc.2012 Page9
not pay any damages for theL other
property damage to or of radar detectors,
musical or video players, signs or adver-
6sements aCached to the taxicab, musical
or video recordings in any format, or me-
dia, phones, computers, ipads, ipods,
smartphones, cameras, DVD players, MP3
players, modifica6ons or altera6ons to the
motor vehicle viola6ve of any law, or oth-
er electronic devices or media, regardless
of whether such items are in tow or in the
vehicle at the 6me of a covered accident
or loss. Damage to the vehicle(s) listed on
your Declara6on page that are the result
of normal wear and tear, a blow-out, flat
6re, or puncture, freezing, negligent re-
pair, mechanical or electrical breakdown
are not covered by this Policy.
6. The amounts we will pay under the foregoing
property damage provisions shall be reduced by
the amount of the applicable Deduc6ble shown
on the Declara6on Page.
VII. What other provisions apply to this Policy?
1. You assign to us the right to recover certain
payments we have made under this Policy. If
we make a payment to you or any other per-
son for damages of any kind under the terms
and condi6ons of this Policy, then we have the
exclusive right to recover from any poten6ally
liable persons, through legal ac6ons either in
our own name or in your name as a bona fide
subrogee to your interests, the amounts we
paid. Your rights are assigned to us automa6-
cally by opera6on of this Policy with no further
ac6on on our part to secure our subroga6on
rights.
2. This Policy may be changed by us to provide
addi onal coverage. For this Georgia Policy,
we may in our discre6on and in accordance
with Georgia laws governing taxicab driver
insurance policies, make altera6ons or amend-
ments to this Policy, and, in the event such
altera6ons or amendments result in more cov-
erage without any addi6onal insurance premi-
um, the changes will become effec6ve imme-
diately upon the date and 6me of the altera-
6on or amendment.
a. Any altera6ons or amendments must be
in wri6ng and expressly incorporated
into this Policy in its en6rety that we will
send to you.
b. No other verbal or wriCen communica-
6ons, web-sites, flyers, or other commu-
nica6ons of any kind by us will cons6tute
a change in the Policy.
c. Any changes in coverage that require
addi6onal or increased premiums will be
handled as a separate policy applica6on
and issuance the same as if you pur-
chased a new policy. You may also re-
quest changes to this Policy. Any amend-
ments we agree to must be in wri6ng
and evidenced by a newly executed dec-
lara6on page together with applicable
endorsements and/or riders.
3. This Policy may relate to other insurance. This
Policy is the primary insurance coverage for
the motor vehicle(s) you own that are listed on
the Declara6on Page, and that are operated by
yourself or the driver(s) listed on the Declara-
6on Page as a public or livery conveyance for
passengers, up to the stated policy limits.
a. If other primary insurance exists, we re-
serve the right to pay a propor6onate
share and to otherwise demand payment
pro rata from the other insurer(s).
b. The payment(s) we make under this Poli-
cy shall be prorated with other valid and
collec6ble insurance.
c. In some cases, you may have purchased
two or more policies from us that apply
to a single accident or loss. In that case,
we will not pay up to the limits of both
policies. Instead, we will only pay up to
FormEA820PGA(10/12)©Ethio-AmericanInsuranceCompany,Inc.2012 Page10
the highest policy limits stated in one
policy. If the policy limits are the same,
the amounts we will pay will be the same
as for one policy. For example, assuming
no cancella6on by consent or statute,
the following would apply under your
Policy:
i. if you have a 25/50/25 policy and a
separate 50/100/50 policy that you
purchased with us, and both apply
to a single accident, the maximum
amount of available coverage you
have is 50/100/50 for that claim.
The policies with us are NOT
stacked to provide you with limits of
75/150/75.
ii. If you have two separate policies
with 25/50/25 coverage applicable
to a single accident, then the maxi-
mum available coverage is 25/50/25
for that claim. The policies with us
are NOT stacked to provide you
with limits of 50/100/50.
4. No assignment without consent. Your rights, cov-
erage, du6es, and obliga6ons under this Policy
may not be assigned, in whole or in part, to any
person without our prior express wriCen consent.
5. The taxicab motor vehicles and driver data in-
quiries for insurability are not for regulatory
compliance. We may request, from 6me to 6me,
that the motor vehicle(s) listed on your Declara-
6on Page be presented at reasonable 6mes of the
day between 9:00 am and 5:00 pm for inspec6on.
We may also, from 6me to 6me, conduct surveys
and other inquiries rela6ng to the driver(s) and
the insurance coverage in Georgia.
a. These inspec6ons, surveys and other
inquiries are confiden6al and conducted
by us for insurability issues only. If we
request an inspec6on of a vehicle, or
conduct a survey or other inquiries for
insurability, we will provide you with a
report and any recommenda6ons as to
our findings as to insurance only.
b. These inspec6ons, surveys and other
inquiries do not relate to or subs6tute
for to the inspec6ons you are or may be
required to make and the records you
must keep rela6ng to the servicing and
maintenance of your taxicab, your li-
cense, Cer6ficate of Public Convenience
and Necessity, and/or any requirements
of the Transporta6on Licensing Commis-
sion or other authority regula6ng your
Cer6ficate of Public Convenience and
Necessity.
c. We make no representa6ons or warran-
6es to you or any other person concern-
ing you and your motor vehicle(s)’ com-
pliance with applicable regula6ons gov-
erning your taxicab business, or our in-
surability inspec6ons, surveys and other
inquiries referenced in this Policy.
d. To the extent a deadline, no6ce, or other
requirement in this Policy conflicts with
your rights as an insured or our obliga-
6ons as your carrier in Georgia for your
taxicab business, this Policy shall be con-
strued by us and implemented/amended
to comply with the applicable law.
VIII. What happens if you file bankruptcy?
You will need to no6fy us of your bankruptcy.
The terms and condi6ons of this Policy and the
coverage provided to you hereunder are not
affected by your filing, however.
IX. Do I have the op on to purchase Uninsured
Motorist Protec on?
Yes. Your Declara6on Page contains a statement
concerning uninsured or underinsured motorist
coverage. If you have selected uninsured motor-
ist coverage or underinsured motorist coverage,
your obliga6on to coopera6on includes the du-
6es to cooperate outlined above in this Policy for
FormEA820PGA(10/12)©Ethio-AmericanInsuranceCompany,Inc.2012 Page11
liability and bodily injury coverage and, in addi-
6on, the submission of medical bills, expenses,
wage loss verifica6on, independent medical ex-
amina6on, and other informa6on as may be rea-
sonably necessary to examine the claims made
under your uninsured or underinsured motorist
coverage that you selected. If you opt not to
purchase uninsured or underinsured motorist
coverage, the elec6on of no coverage is part of
your Policy. Unless you specifically elect and pay
the premium to purchase Uninsured Motorist
Protec6on (UM) that stacks or is in addi6on to
the liability coverage you have purchased, the
most we will pay for any covered accident to
which the liability coverage applies is an amount
for actual damages up to the maximum amount
of liability coverage you purchased.
X. How will your coverage under this Policy be
affected if you are in an accident with another
driver or person that has insurance with us?
Your policy limits will not be affected.
XI. What is the termina on date for the coverage
provided under this Policy?
The date and 6me that the coverage provided
under this Policy ends is stated on your Declara-
6on Page as the termina6on date.
XII. Can the Policy be terminated before the end of
the coverage period stated on the Declara on
Page?
Yes.
a. You may cancel your Policy voluntarily be-
fore the termina on date.
1. If you desire to cancel this Policy, you must send
wriCen no6ce to us via facsimile, overnight cou-
rier, or cer6fied mail, return receipt requested,
reques6ng that this Policy be terminated.
2. Assuming the termina6on is proper and per-
miCed under Georgia law, we will file a no6ce of
termina6on with the Georgia insurance authori-
ty applicable to your policy as required by Geor-
gia law.
3. The date and 6me of cancella6on becoming effec-
6ve will be stated in the no6ce we send. You will
be responsible for the pro rata premiums through
the date of termina6on. Your coverage termi-
nates at the date and 6me stated in the no6ce.
b. Renewal.
1. You may renew this policy at your op6on by pay-
ing the renewal premium due to renew this Poli-
cy before the end of the effec6ve date of cover-
age, unless we send you no6ce of non-renewal
that is mailed or delivered in person to you. This
no6ce will state the 6me when non-renewal will
be effec6ve, which shall not be less than 30 days
from the date of mailing or delivery of such no-
6ce of non-renewal or such longer period as may
be provided in the contract or by statute, shall be
delivered in person or by deposi6ng the no6ce in
the United States mails to be dispatched by at
least first-class mail to the last address of record
we have for you, and of the lienholder, where
applicable, and receiving the receipt provided by
the United States Postal Service or such other
evidence of mailing as prescribed or accepted by
the United States Postal Service.
2. If we send you a no6ce of non-renewal, we will
specify in the wriCen no6ce the reason or rea-
sons for such non-renewal as required by Chap-
ter 39 of Title 33, of the Georgia Code.
c. Cancella on of the Policy by us.
1. You have the op6on to renew this Policy unless
we send a no6ce of non-renewal under part XII
(a) and (b) above or we send you a no6ce of
cancella6on. We will not send you a no6ce of
cancella6on unless one or more of the following
events happen:
a) you failed to discharge when due any of your
obliga6ons in connec6on with the payment
of premiums on this Policy or any installment
of premiums or the renewal of premiums,
FormEA820PGA(10/12)©Ethio-AmericanInsuranceCompany,Inc.2012 Page12
whether payable directly to the insurer or
indirectly to the agent;
b) we signed the Declara6on Page and sold you
the coverage provided, in whole or in part,
through a material misrepresenta6on you
made in the applica6on or renewal process;
c) you violated any of the terms and condi6ons
of the Policy;
d) you failed to disclose in your wriCen applica-
6on or in response to inquiry by us or our
agent informa6on necessary for the ac-
ceptance or proper ra6ng of the risk;
e) you made a false or fraudulent claim or
knowingly aided or abeCed another in the
presenta6on of such a claim;
f) you or any named insured driver on the Dec-
lara6on Page have your license suspended or
for any other reason lose your taxi permit or
business license allowing you to operate
your taxicab business;
g) your covered vehicle(s) fails to pass any in-
spec6on by a taxi bureau or other govern-
mental en6ty inspec6ng and approving your
vehicle for opera6on as a taxicab service
vehicle; or
h) Any other reasons for cancella6on approved
or required by the state of Georgia.
2. No6ce of termina6on or cancella6on by us shall
be accomplished in the following manner:
a) WriCen no6ce sta6ng the 6me when the
cancella6on will be effec6ve, which shall not
be less than 30 days from the date of mailing
or delivery in person of such no6ce of cancel-
la6on.
b) The wriCen no6ce shall be delivered to you
in person or by deposi6ng the no6ce in the
United States mails to be dispatched by at
least first-class mail to the last address of
record you have provided to us and to any
lien holder, where applicable, and receiving
the receipt provided by the United States
Postal Service or such other evidence of
mailing as prescribed or accepted by the
United States Postal Service. No6ce to the
lienholder shall be considered delivered or
mailed if, with the lienholder's consent, it is
delivered by electronic transmiCal or facsimi-
le. Any irregularity in the no6ce to the
lienholder shall not invalidate an otherwise
valid cancella6on as to the insured.
c) No no6ce of cancella6on shall be effec6ve
unless mailed or delivered to you as pre-
scribed in this policy and in accordance with
Georgia Code Sec6on 33-24-44. We will pro-
vide you the reason or reasons for the can-
cella6on in the no6ce.
3. Any unearned premium which has been paid by
you shall be refunded to you on a pro rata basis.
The refund, if any, shall be made on or before
the cancella6on date either directly to you or
your approved agent. If we elect to return any
unearned premium to you via the insured's
agent of record, such agent shall return the un-
earned premium to you either in person or by
deposi6ng such return in the mail within ten
working days of receipt of the unearned premi-
um, or within ten working days of no6fica6on
from us of the amount of return of unearned
premium due, or on the effec6ve date of cancel-
la6on, whichever is later. In all events, the re-
turn shall be made and the par6es will comply
with the provisions of Georgia law rela6ng to
unearned premium refunds. The other provi-
sions of this Policy shall, in their en6rety, be
construed in accordance with and to be en-
forced between the par6es in compliance with
applicable Georgia law.
4. When a policy is canceled for your failure to
discharge when due any of your obliga6ons in
connec6on with the payment of premiums for
this policy or any installment of premiums due,
whether payable directly to us or indirectly to an
agent, or when this Policy that has been in effect
FormEA820PGA(10/12)©Ethio-AmericanInsuranceCompany,Inc.2012 Page13
for less than 60 days is canceled for any reason,
the no6ce requirements applicable to your policy
may be sa6sfied by delivering or mailing wriCen
no6ce to you and any lienholder, where applica-
ble, at least ten days prior to the effec6ve date of
cancella6on in lieu of the number of days' no6ce
otherwise required. For the purposes of this sub-
sec6on, no6ce to the lienholder shall be consid-
ered delivered or mailed if, with the lienholder's
consent, it is delivered by electronic transmiCal or
facsimile. Any irregularity in the no6ce to the
lienholder shall not invalidate an otherwise valid
cancella6on as to the insured.
d. No ce of Cancella on and Termina on by
You.
1. You may cancel or terminate this policy subject to
Georgia’s financial responsibility laws. Your no6ce
of cancella6on or termina6on, together with the
date you request the coverage to end, should be
sent to us by facsimile.
2. Any unearned premiums, to the extent applicable,
will be sent to you in accordance with the above.
We may however, in our discre6on, determine the
amount of any applicable refund.
3. If you opt not to renew this policy, no6ce shall be
sent by the same means as for cancella6on, at least
30 days prior to the end of the period for coverage
stated on your Declara6on Page.
4. The renewal, termina6on, and cancella6on terms
and condi6ons of this Policy shall be construed in
accordance with Georgia law rela6ng to renewal,
termina6on, and cancella6on of insurance policies
sold to taxicab drivers.