Includes copyrighted material of Insurance Services Office, Inc., with its permission.
June 26, 2016
Summary: Insurance conditions are commonly referred to as the ground rules to be observed and complied with by the respective parties to the policy. They also are equally weighted with the exclusions. The reason for saying this is that if coverage otherwise applies, i.e., is not excluded, the coverage can still be precluded with a breach of one or more conditions. The conditions of the auto dealers coverage form (ADCF) are contained in Section IV and categorized into two groups. The first group consists of loss conditions, and the second group deals with general conditions.
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