Semitrailer Included as “Any Auto” in Garage Policy?

Q

A garage policy insured was using one of his trucks to pull a customer's semitrailer from one lot to another when the trailer came loose and struck a car in an intersection. The liability insurance is written with coverage keyed to symbol 21, “any auto,” but we are having difficulty with subparagraph C of Section I, Covered Autos. This says that any liability insurance also applies to (1) small trailers and (2) temporary substitute autos.

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