For the purpose of Uninsured/Underinsured Motorist Coverage provided by this endorsement, Definition Y. Property Damage under Section VII. DEFINITIONS is deleted in its entirety and replaced by the following:

Y. Property Damage means:
- Physical Injury or destruction of:
  - A covered Auto; or
  - Property contained in the covered Auto.

Solely for the purpose of Uninsured/Underinsured Motorist Coverage provided by this endorsement, Section VII. DEFINITIONS is amended to include the following additional definitions:

1. Defense Expenses means a payment allocated to a specific Loss, claim or Suit for its investigation, settlement or defense, including but not limited to:
   - Attorneys' fees and all other investigation, Loss adjustment and litigation expenses;
   - Premiums on bonds to release attachments;
   - Premiums on appeal bonds required by law to appeal any claim or Suit;
   - Costs taxed against the Insured in any claim or Suit;
   - Pre-judgment interest awarded against the Insured; and
   - Interest that accrues after entry of judgment.

2. Family Member means a person related to an individual Named Insured by blood, marriage or adoption who is a resident of such Named Insured's household, including a ward or foster child.

3. Occupying and/or Occupied means in, upon, getting in, on, out or off.

4. Uninsured Motor Vehicle means a land motor vehicle or trailer:
   - For which no liability bond or policy at the time of an Occurrence provides at least the amounts required by the applicable law where a covered Auto is principally garaged;
   - Which is an Underinsured Motor Vehicle. An Underinsured Motor Vehicle means a land motor vehicle or trailer for which the sum of all liability bonds or policies applicable at the time of an Occurrence provides at least the amounts required by the applicable law where a covered Auto is principally garaged but their limits are less than the Limit of Insurance of this coverage (Not Applicable where the Uninsured/Underinsured laws of West Virginia apply);
   - For which an insuring or bonding company denies coverage or is or becomes insolvent; or
   - That is a hit-and-run vehicle and neither the operator nor owner can be identified. The vehicle must either:
     1) Hit an Insured, a covered Auto or a vehicle an Insured is Occupying; or
     2) Cause Bodily Injury to an Insured without hitting an Insured, a covered Auto or a vehicle an Insured is Occupying.

NOTICE: Forms and the applicable rates are exempt from the filing requirements of the New York State Insurance Department. However, such forms and rates must meet the minimum standards of the New York Insurance Law and Regulations.

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Copyright, Insurance Services Office, Inc., 2000