egal fees. The foregoing remedies shall be in addition to any other remedies We may have. If an audit reveals an overpayment by You to Us, We shall promptly refund the overpayment or, at Our option, apply the overage to any outstanding amounts owed by You or Your Affiliate to Us or Our Affiliate.

16. INSURANCE

• 16.1. Automobile Liability Insurance. You shall have in force at all times such policies of automobile liability insurance as are prescribed from time to time in Our Operations Guide, including but not limited to automobile liability insurance covering death of or injury to third parties and damage to property of third parties. Unless different provisions are contained in the Operations Guide, minimum automobile liability coverage shall:
  • (a) be in force for all owned, hired and non-owned vehicles used in Your Franchised Business;
  • (b) provide coverage of One Million Dollars ($1,000,000) combined single limits per occurrence for You, Us, Our Affiliates, franchisees of Our Affiliates, and all other Franchised System franchisees;
  • (c) provide coverage for certain corporate account renters with whom Franchisor has corporate or special account agreements in accordance with the terms of the Master Agreements for those corporate or special accounts; and
  • (d) provide minimum statutory limits coverage, as prescribed by the laws of Your state for all other rental customers.

Insurance policies must provide coverage for all renters, their employees, employers and immediate family, if any, authorized by the renter to use the rented Vehicle, even though We may restrict by the terms and conditions of the Rental Agreement the extent to which and the persons to whom such coverage shall apply. Policies shall also provide for uninsured/underinsured motorist coverage and personal injury protection only as required by the laws of the state in which the Vehicle was rented or as required for certain corporate account renters with whom Franchisor has corporate or special account agreements in accordance with the terms of the Master Agreements for those corporate or special accounts.

• 16.2. Automobile Comprehensive and Collision Insurance. You may be required to carry comprehensive and collision insurance, if We so require in the Operations Guide or otherwise in writing. You may be required to carry such insurance as a condition to Your purchase or lease of Vehicles from Us or Our Affiliates.
• 16.3. Other Liability Insurance. You shall obtain and keep in full force and effect at all times during the term of this Agreement policies of insurance applicable to all Your Franchised Businesses which cover public liability (including comprehensive general liability, garage liability and garage keepers legal liability).

Source: Item 23 — RECEIPTS (FDD pages 102–301)