732 ARTICLE 56.

obligation of the carrier to make payment on account of such loss or
damage. Provided, always, that the insurance carrier shall have the
right to settle any claim covered by the policy, and if such settlement is
made in good faith, the amount thereof shall be deductible from the limits
of liability specified in the policy. No such policy shall be cancelled or
annulled as respects any loss or damage, by any agreement between the

carrier and the insured after the said insured has become responsible for
such loss or damage, and any such cancellation or annulment shall be void.
The policy may provide that the insured, or any other person covered
by the policy shall reimburse the insurance carrier for payments made on
account of any loss or damage claim or suit involving a breach of the
terms, provisions or conditions of the policy; and further, if the policy
shall provide for limits in excess of the limits specified in this section, the
insurance carrier may plead against any plaintiff, with respect to the
amount of such excess limits of liability, any defenses which it may be

entitled to plead against the insured, and any such policy may further
provide for the prorating of the insurance thereunder with other applicable
valid and collectible insurance.

(b) The policy, the written application therefor, if any, and any rider
or endorsement which shall not conflict with the provisions of this sub-
title shall constitute the entire contract between the parties.

(c) The Insurance carrier shall, upon the request of the insured,
deliver to the insured for filing, or at the request of the insured shall file
direct, with the Commissioner of Motor Vehicles an appropriate certificate
in conformity with the provisions of Section 187D of this Article.

(d) Any carrier authorized to issue motor vehicle liability policies may,
pending the issue of such a policy, execute an agreement, to be known as
a "Binder"; or may, in lieu of such a policy, issue an endorsement to an
existing policy. Every such binder or endorsement shall be subject to the
provisions of this section and shall be construed to provide indemnity or
insurance in like manner and to the same extent as a motor vehicle liability
policy.

1931, ch. 498, sec. 187N.

187N. The following words, as used in this sub-title, shall have the
following meanings:

(a) The singular shall include the plural; the masculine shall include
the feminine and neuter, as requisite.

(b) "Person" shall include individuals, partnerships, corporations, re-
ceivers, referees, trustees, executors and administrators; and shall also
include the owner of any motor vehicle as requisite, but shall not include
the State or any political subdivision thereof.

(c) "Motor vehicle" shall include trailers, motorcycles and tractors.

(d) "Province" shall. mean any province of the Dominion of Canada.

1931, ch. 498, sec. 187-O.

187-0. The Commissioner shall make rules and regulations necessary
for the administration of this sub-title.