1. Bricking, Inc. is delivering bricks to a job site, using a brick loader attached to an insured flatbed truck.

b) On the way to deliver gasoline to a Shell Station in a nearby town, Fuel Fillers large tank truck overturns, spilling 1,000 gallons of gasoline, which costs the highway department $50,000 to clean up. Will Fuel Fillers BAP pay the $50,000? Why?

c) Fuel Filler does not own the gasoline, but Fuel Fillers driver is delivering for Shell Oil Company. Will the BAP cover the value of Shell Oils gasoline? Why?

d) Lets say that in the accident, by some miracle, the gasoline in the large tank doesnt spill, but the motor oil from the trucks engine spills, causing property damage to land and pollution to a nearby creek. Does Fuel Fillers BAP cover the property damage and pollution cleanup?

e) The Physical Damage Coverage on the BAP covers the costs to repair or replace a damaged covered auto, subject to the applicable deductible. But what if the resale value of that car drops 60 percent because of the covered damage. Will the BAP cover the difference? Why?

f) Because of the insureds additional exposures due to sales and services of autos, the Garage Policy additionally covers the auto dealers Garage Operations Other Than Auto exposures in very much the same way the CGL covers other types of insureds. What are the three major areas of liability coverage on a Garage policy?

g) Like the BAP, because the insured also owns and operates vehicles, the Garage Policy also covers Garage Operations Covered Autos. When Judys Dealerships customers want to test drive the cars on the lot, Judy always lets them do it. Max Martin is test-driving one of Judys cars and backs into the neighboring fence. Will Max have any coverage on Judys Dealerships Garage policy? Why?

h) The Garage Policy has some exclusions that are peculiar to the auto dealership business and some of the same exclusions found on the CGL. Will the Section II Liability Coverage on Judys Dealerships Garage Policy pay anything for the following losses? Why?

Judys son Jesse is servicing Maxs car when the hydraulic lift fails. Jesse manages to jump out of the way when the car falls, but the car is totaled.

Oil leaks out of one of the service bays and into a nearby street. The cleanup costs the city $5,000.

If Judy had purchased Section III Garage keepers Coverage on her Garage policy, would the damage to Maxs car when the lift failed have been covered?

If, instead of falling off the lift, Maxs car had been damaged in a tornado while it was at Judys Dealership. Name and briefly describe one of two coverages that would have to be on Judys Dealerships Garage policy to pay the loss when the garage was not at fault?