Auto insured Tom was surprised when he was invited to his mutual auto insurer's election of its board of directors. Tom would most likely find information relating to this type of election, in his policy's I

nsuring agreement.

Declarations.

Conditions.

Miscellaneous provisions.

Insurance policy rating information and the policy premium are found in the policy

Declarations.

Insuring agreements.

Conditions.

Endorsements.

In a policy's insuring agreement, the insurer promises to pay to the insured, to pay on behalf of the insured and to

Defend the insured.

Pay for all losses.

Educate the insured regarding policy language.

Provide full coverage for any exposure.

In property insurance, the determination of underinsurance (not insuring to value) is made

At the time of application.

At the time of loss.

At post loss by the underwriter.

When the risk is assessed by the underwriter.