Videos Car Dealer Insurance – Co-insuranceUnderinsuring your inventory gives the insurance company the ability to pay your claim short. Don’t let this happen to you! Car Dealer Insurance – Garage Keeper’spays claims for vehicles that are in your care, custody and control that you don’t own. The most common example is vehicles you are driving to appraise. Car Dealer Insurance – Personal Vehicles can be added to most dealer policies. It’s a way for dealers to save money.