The insured is an auto club tow and service agency for the general public. They have both a CGL coverage form and a commercial auto policy with us; the latter has a garage-keeper endorsement that may be applicable with primary selection scheduled for collision/comp coverage. The loss is as follows.

This is a two car collision in a Newark NJ parking garage between the 1st and 2nd floor. The insured employee was manually pushing a customer vehicle out of parking garage to the street level so he could tow it. The second vehicle in the accident was a NJ state vehicle. The state employee was coming in the garage and stopped as it approached the customer vehicle.

The customer originally was behind her vehicle as the insured pushed it from the rear. The driver side door was open as the insured was pushing and steering to move the car forward and down an incline to the street level. The insured had difficulty at a turn around and the customer's car started to roll back. Then, the vehicle started to roll forward and the open door was getting near the stopped state vehicle. The customer ran to the driver's seat and jumped in but got caught between the door and the seat causing leg injury. The door did strike the other vehicle causing damage.