$3.$ Which of the following is an accurate statement?

a$.$ In order to trigger coverage on a legal liability basis, the bailor must be legally liable for damage to the bailee$$s property.

b$.$ In order to trigger coverage on a legal liability basis, the bailee must be legally liable for damage to the bailor$$s property.

c$.$ Only policies written on a direct damage basis cover the value of the customer$$s property.

d$.$ In order to trigger coverage on a direct basis, the bailor does not have to be legally responsible.