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4. The dealer certainly has insurance, but in case of a claim, your insurance will be primary.

I haven't read the document the OP has been asked to sign. In my experience, the garage policy would generally be primary on owned vehicles and under personal auto policies, coverage on temporary substitute autos is invariably secondary - would pickup the difference in deductibles, for example, or pay a collision loss if no collision coverage were carried on the garage policy.
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