Common use of Legal Action Against Us Clause in Contracts

Legal Action Against Us. Legal action may not be brought against “us” without full compliance with all terms of this insurance policy. Furthermore, legal action may not be brought against “us” under Part A: Liability Coverage of this policy until a court has determined that the “covered person” has an obligation to pay and the amount of that obligation has been determined by judgment. No person or organization has the right to file legal action against “us” under the Liability Coverage of this policy prior to a court finding a “covered person” liable for damages. Any legal action against “us” must be brought in the state in which this insurance policy was issued. Any legal action against “us” shall be governed by the laws of the state in which this policy was issued. Our Right to Recover Payment Each “covered person” must assign to or hold in trust for “us” all rights of recovery against responsible any person or organization after “we” have made payment to any “covered person”. No “covered person” shall prejudice “our” rights to recover against another person or organization. When “we” request, a “covered person” shall do whatever is necessary to enable “us” to exercise “our” rights to recover. If a “covered person” recovers from anyone without “our” written consent, the “covered person’s” right to payment under any applicable coverage will no longer exist. If a “covered person” recovers from another and from “us”, the amount recovered from another will be reimbursed to “us” to the extent of “our” payment. “We” may pursue legal action to recover that amount from the “covered person” if “we” are not reimbursed. If “we” certified this policy as future proof of financial responsibility, this policy shall comply with the law to the extent required. “You” and any other “covered person” must reimburse “us” if “we” make a payment that “we” would not have made if this policy was not certified as proof of financial responsibility.