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Problem: Denise went shopping for her first car at Springfield Auto Dealership (SAD). When she decided to test drive one of the cars from the lot, the salesperson asked for a copy of her license, but did not ask about auto insurance. While driving the dealer's car, Denise ran a stop sign and struck another vehicle, seriously injuring its passenger. Denise was found liable for $60,000 in bodily injury and property damages. The required auto liability limit in the state is $50,000, but Denise did not have coverage because she did not own a car. What, if anything, would SAD's insurer pay on Denise's behalf under an Auto Dealers Coverage Form (ADCF)?
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