Garagekeepers Coverage for Theft of Auto and Personal Possessions

Our insured is a parking garage/valet operation. Last month, a valet attendant parked a customer's car, and inadvertently left the keys in the car with the window opened. The car was stolen. The car was a family van and was loaded with the personal belongings of the van owner. There is no question that our insured is liable for the loss, but we have questions about the coverage under the terms of the garagekeepers policy.

The van is a recent model year van and the owner was still making payments on the van with about two years left on the payment schedule. The actual cash value of the van is less than the outstanding amount due to the finance company. So, is the claimant entitled to the balance of the car loan or just the value of the van? Will the policy pay for a deposit on a new car for the claimant? And will the policy pay for the loss of the personal possessions that were in the van?