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A dealership wants Garagekeepers Coverage that pays for damage to customers' vehicles in its custody regardless of whether the dealership is legally liable, but only on a primary basis to the customer's own auto policy. Which Garagekeepers option matches?
ALegal Liability Only — pays only when the dealership is legally liable
Direct Primary — pays without regard to fault, primary to the customer's coverage
CDirect Excess — pays without regard to fault, but only excess over customer's own coverage
DBailee for Hire — pays only for theft of the customer's auto
Why this is the answer
Garagekeepers Coverage protects an auto-business insured for damage to customers' vehicles in its care, custody, or control. Three options exist: Legal Liability (pays only when the insured is liable), Direct Excess (no-fault but excess over the customer's coverage), and Direct Primary (no-fault and primary over the customer's coverage). Direct Primary is the most customer-friendly and most expensive — courtesy-driven dealerships often choose it to avoid friction. See the Garagekeepers options in the ISO Auto Dealers Coverage Form (CA 00 25) and the Garagekeepers Coverage endorsement (CA 99 37).
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