Delivery Service purchased a commercial umbrella policy with a $10 million liability limit and a $100,000 self-insured retention. The umbrella insurer required Delivery Service to carry a $1 million per-occurrence limit on its general liability policy and a $1 million peroccurrence limit on its business auto policy. A Delivery Service driver was intoxicated while driving a company van and killed another motorist. The court ruled that Delivery Service must pay damages in the amount of $5 million. How much, if any, of this amount will the umbrella insurer pay? Explain your answer

Business umbrella approach gives inclusion to the firm against those misfortunes that may bankrupt the firm. The arrangement covers a definitive misfortune in abundance of held breaking point happens because of real injury, property harm, promoting and individual injury. A definitive misfortune is the lawful risk to which back up plan is committed to pay. As far as possible is the accessible furthest reaches of the fundamental protection. According to the umbrella arrangement, the protected needs to keep up some base measure of obligation before the case is paid by the umbrella strategy. In the event that the guaranteed is secured under some other strategy, at that point first that sum is paid and remaining sum is paid by umbrella approach in the wake of fulfilling oneself safeguarded maintenance.  

The complete loss to the organization is $5 million, at that point $1 million will be paid by general obligation strategy and $1 million will be paid by business auto approach. Out of the remaining $3 million, self-safeguarded limit is $100,000 which demonstrates that $2.9 million ($3 million less 5100,000) will be paid by umbrella arrangement.

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ans.

heterothermic organisms include those organisms that can switch between homeothermic (having body temperature higher than environment) and poikilothermic (having variation in internal body temperature) strategies.

some migratory birds show heterothermy as they decrease their metabolic rate during cold nights to keep their body temperature low. drop in metabolic rate allows increase in production efficiency of birds that reduces the internal body temperature to make it equal to external cold temperature during cold nights.

thus, the correct answer is 'birds allow their temperature drop in order to increase their production efficiency.'