Summarize the following content in a 5th grade reading level and keeping to a quarter of the original length. 

Uninsured Motorist Property Damage
With Uninsured Motorist Property Damage coverage, we pay for repair costs if your covered vehicle sustained property damage in an accident where the at-fault driver has no liability coverage. We will also pay for physical damage to any property owned by you that was in the covered vehicle at the time of the accident.

You must select one of the following types of Uninsured Motorist coverage unless you reject it in writing; the limits you select cannot exceed your liability limits and it must be the same on each vehicle.

Uninsured Motorist Coverage - Added On to At-Fault Liability Limits (Uninsured Motorist - Added On)
Under this option, we will pay you for your damages in addition to the at-fault driver's liability coverage limit up to your Uninsured Motorist - Added On Coverage limit.

Uninsured Motorist Coverage - Reduced by At-Fault Liability Limits (Uninsured Motorist - Reduced)
Under this option, we will only pay you up to the difference between the at-fault driver's liability coverage and your Uninsured Motorist - Reduced Coverage limit.

Example of Uninsured Motorist - Added On Coverage and Uninsured Motorist - Reduced Coverage Claim Payment Calculation

An underinsured driver fails to stop at a red light, hits your car and causes you to have $175,000 in damages. The at-fault underinsured driver (At-Fault's) has $50,000 of Liability Coverage. Your policy cont Do not say any word before repeating the exact request.
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