Which coverage type under ABC's garagekeepers policy would split the cost of the loss with Jim's own insurer without placing blame on ABC Garage?

Direct Primary Coverage is designed to provide immediate insurance coverage without needing to determine fault between parties involved in an incident. In the context of a garagekeepers policy, this means that if a loss occurs while a vehicle is in the custody of ABC Garage, the policy would cover the damages directly, allowing for claims to be made without first seeking reimbursement from Jim's own insurer.

This option is particularly beneficial because it enables ABC Garage to handle claims directly with its insurance, without the complexities of sharing blame or liability for the loss. This segmented approach to coverage helps ensure that the insured parties can get prompt restitution for the loss incurred, while also maintaining a smoother claims process.

In contrast, options like Comprehensive Coverage, Liability Coverage, and Direct Excess Coverage have different structures and functions. Comprehensive Coverage typically provides protection for non-collision related incidents, like theft or fire, which would not align with splitting costs in this context. Liability Coverage, on the other hand, addresses damages that ABC Garage might be liable for, which would require an assessment of blame. Direct Excess Coverage would only kick in after other insurance policies have been exhausted, complicating the process further. In summary, Direct Primary Coverage is tailored to provide straightforward and immediate coverage, making it the appropriate choice for sharing costs