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

The correct answer is Excess Comprehensive Coverage because this type of coverage is designed to provide additional financial protection beyond the primary insurance, helping to cover expenses in situations where multiple insurance policies may apply, without assigning blame to any specific party involved in the loss.

In the context of a garagekeepers policy, Excess Comprehensive Coverage allows ABC Garage to share the loss cost with Jim's insurer equitably. This is beneficial in circumstances where there may be shared responsibility or uncertainty about liability. The nature of this coverage means it can help pay for damages regardless of fault, making it ideal for scenarios where an accident occurs while a vehicle is in the garage's care.

Other coverage types, such as liability coverage, primarily focus on protecting against legal responsibilities for damages caused to third parties but would not facilitate cost-sharing in the same manner. Collision coverage is specific to damages incurred from a collision and would typically involve a clear determination of fault, which does not support the same cooperative financial arrangement. Full coverage generally refers to a combination of coverages but may not explicitly include terms for sharing losses with another insurer.