Insurance indorsement.

It is agreed that garage customers are not insureds with respect to any automobile except in accordance with the following additional provisions:

1. If there is other valid and collectible insurance, whether primary, excess or contingent, available to the garage customer and the limits of such insurance are sufficient to pay damages up to the amount of the applicable financial responsibility limit, no damages are collectible under this policy.

2. If there is other valid and collectible insurance available to the garage customer, whether primary, excess or contingent, and the limits of such insurance are insufficient to pay damages up to the amount of the applicable financial responsibility limit, then this insurance shall apply to the excess of damages up to such limit.

3. If there is no other valid and collectible insurance, whether primary, excess or contingent, available to the garage customer, this insurance shall apply but the amount of damages payable under this policy shall not exceed the applicable financial responsibility limit.

4. As used in this indorsement:

"Applicable financial responsibility limit" refers to the applicable limit of the financial responsibility law of the state where the automobile is principally garaged.

"Garage customer" means any person other than:

(1) an employee, director, stockholder, partner or member of the named insured or a resident of the same household as the named insured, such employee, director, stockholder, partner or member;

(2) a person or organization to whom the named insured furnishes an owned automobile for his, hers or its regular use including any person while using such automobile; but an automobile furnished for the use of a person or organization whose automobile is temporarily in the custody of the named insured for servicing or repair shall not be considered as being furnished for his or her regular use.



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