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DOCUMENT TITLE:  QUOTA SHARE REINSURANCE AGREEMENT .
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Clause Heading
2.1 - Business Covered.
3.1 - Quota Share Reinsurance.
3.2 - Exclusions.
4.1 - Follow the Fortunes.
4.2 - Third-Party Rights.
5.1 - Policy Forms.
6.1 - Payment to MICO for Ultimate Net Losses.
6.2 - Expenses to be Borne by Donegal Mutual.
6.3 - Salvage.
6.4 - Loss Development.
6.5 - Defense of Claims.
6.6 - Donegal Mutual Participation.
7.1 - Payment of Direct Written Premium.
7.2 - Summary Statements.
7.3 - Payment of Losses.
8.1 - Payment of Ceding Commission.
8.2 - Statement of Ceding Commission.
8.3 - Taxes.
9.1 - Right of Inspection.
10.1 - Maintenance of Reserves.
10.2 - Premium Taxes.
11.1 - Extra Contractual Obligations.
11.2 - Losses In Excess of Policy Limits.
11.3 - Date of Occurrence.
11.4 - Meaning of Loss.
11.5 - Loss Adjustment Expense.
11.6 - Fraud.
11.7 - Michigan Law.
12.1 - Insolvency.
13.1 - Offset.
14.1 - Arbitration.
14.2 - Identity of Arbitrators.
14.3 - Default Selection.
14.4 - Submission of Initial Brief.
14.5 - Arbitrator Decision.
14.6 - Multiple Reinsurers.
14.7 - Arbitration Expenses.
14.8 - No Judicial Foundation.
15.1 - Governing Law.
15.2 - Regulatory Approval.
16.1 - Effective Time.
16.2 - Participation Until Termination.
16.3 - Run-Off.
17.1 - Currency of Payment.
18.1 - Access to Records.
19.1 - Statistics.
20.1 - Errors and Omissions.
21.1 - Notices.
21.2 - Assignment.
21.3 - Severability.
21.4 - Counterparts.