If the “accident” occurs while a covered “auto” is being operated by any driver that is not listed on the Schedule of Approved Drivers (CIC LIV 000020) or has not been approved by us in writing prior to the time and date of the “accident”, this policy will only provide reduced limits of $10,000 for bodily injury or death to any one person in any one crash, $20,000 for bodily injury or death to two or more persons in any one crash, and $10,000 for injury to or destruction of property of others in any one crash.