Opinion ID: 2308721
Heading Depth: 1
Heading Rank: 2

Heading: The Globe Garage Policy:

Text: Globe issued two insurance policies to Lee Dodge. The first is a Garage policy that provides coverage up to $500,000 per occurrence for Lee Dodge car drivers who qualify as insureds. Section II.A.1.a of the Garage policy states that the following are insureds for covered autos: (1) You [Lee Dodge] for any covered auto. (2) Anyone else while using with your permission a covered auto you own, hire, or borrow except: .... (d) Your customers, if your business is shown in the Declarations as an auto dealership. However, if a customer of yours: (i) Has no other available insurance (whether primary, excess or contingent), they are an insured but only up to the compulsory or financial responsibility law limits where the covered auto is principally garaged. (ii) Has other available insurance (whether primary, excess or contingent) less than the compulsory or financial responsibility law limits where the covered auto is principally garaged, they are an insured only for the amount by which the compulsory or financial responsibility law limits exceed the limits of their other insurance.