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3. "Property damage" to any motor vehicle owned by you or any "family member" that is not a covered "auto". 4. "Property damage" to any motor vehicle owned by you to which collision coverage applies un- der this policy or any other policy. 5. Punitive or exemplary damages. 6. "Property damage" arising directly or indirectly out of: a. War, including undeclared or civil war; b. Warlike action by a military force, including action in hindering or defending against an actual or expected attack, by any govern- ment, sovereign or other authority using military personnel or other agents; or c. Insurrection, rebellion, revolution, usurped power, or action taken by governmental au- thority in hindering or defending against any of these. C. Limit Of Insurance Regardless of the number of covered "autos", claims made, premiums paid or vehicles in- volved in the "accident", the most we will pay for all damages resulting from any one "acci- dent" is the lesser of the following: a. $3,500; or b. The actual cash value of the damaged covered "auto" at the time of the "accident". 2. Any amount payable as damages under this coverage shall be reduced by all sums paid by or for anyone who is legally responsible. D. Changes In Conditions The Conditions are changed for California Unin- sured Motorists Coverage — Property Damage as follows: 1. Duties In The Event Of Accident, Claim, Suit Or Loss is changed by adding the following: a. Promptly notify the police if a hit-and-run driver is involved; b. Report the "accident" or "loss" to us or to our agent within 10 business days; and c. Promptly send us copies of the legal papers if a "suit' is brought. 2. Other Insurance in the Business Auto and Garage Coverage Forms and Other Insurance — Primary And Excess Insurance Provisions in the Truckers and Motor Carrier Coverage Forms are replaced by the following: If there is other applicable insurance available under one or more policies or provisions of coverage: a. The maximum recovery under all coverage forms or policies combined may equal but not exceed the highest applicable limit for any one vehicle under any coverage form or policy providing coverage on either a primary or excess basis. b. Any insurance we provide with respect to a vehicle you do not own shall be excess over any other collectible uninsured motor- ists insurance providing coverage on a pri- mary basis. c. If the coverage under this coverage form is provided: (1) On a primary basis, we will pay only our share of the "loss" that must be paid un- der insurance providing coverage on a primary basis. Our share is the propor- tion that our limit of liability bears to the total of all applicable limits of liability for coverage on a primary basis. (2) On an excess basis, we will pay only our share of the "loss" that must be paid un- der insurance providing coverage on an excess basis. Our share is the propor- tion that our limit of liability bears to the total of all applicable limits of liability for coverage on an excess basis. 3. The following condition is added: Arbitration a. If we and an "insured" disagree whether the "insured" is legally entitled to recover dam- ages from the owner or operator of an "un- insured motor vehicle" or do not agree as to the amount of damages that are recoverable by that "insured", the disa- greement will be settled by arbitration. Such arbitration may be initiated by a written de- mand for arbitration made by either party within one year. The arbitration shall be conducted by a single neutral arbitrator. However, disputes concerning coverage under this endorsement may not be arbi- trated. Each party will bear the expenses of the arbitrator equally. Page 2 of 3 © Insurance Services Office, Inc., 2009 oR,N F RiskMougementDMsian a� REVIEWED & APPROVED BY. Risk Management Specialist CA 21 55 06 10 0