What it does
CA 99 38 is the garage counterpart of CA 99 27 Split Liability Limits. It replaces the combined single limit on a garage or dealer policy with separate bodily injury per person, bodily injury per accident and property damage per accident limits. The 01 87 edition remains in use in about 45 jurisdictions even though the Garage Coverage Form it was written for has been withdrawn in most states.
Who needs it
Dealers or garage risks where a state filing, contract or umbrella schedule calls for split limits.
Key points
- Because the 01 87 edition predates the Auto Dealers Coverage Form, confirm with the insurer how it applies to CA 00 25 policies in the account's state.
- The per-person bodily injury limit is the main trade-off versus a combined limit.
Quoting notes
Align split limits with the umbrella's required underlying limits and with any dealer franchise agreement insurance requirements.
