One of the painful results of the ownership of an automobile is the recurring need to take it to a service station or garage for repairs. After such repairs are completed, an employee of the garage will often test drive the automobile to check the completed repairs. While on such an errand, the serviceman may become involved in an automobile accident in which he is at fault.

I. Introduction

II. History

III. What Constitutes an Automobile Business

IV. What Constitutes “Use” within the “Automobile Business” … A. Transportation To and From the Garage … B. Repairing of an Automobile … C. Test Driving … D. Garage Employee Using an Automobile to Obtain Parts … E. Loaning of an Automobile

V. Revision of the Exclusion Clause

VI. Conclusion