Which coverage type under ABC's garagekeepers policy would split the cost of the loss with Jim's own insurer without placing blame on ABC Garage?

Direct Primary Coverage is the correct answer because it specifically provides insurance for the garage's liability in the event that a customer's vehicle is damaged while in the garage's care, custody, or control. This type of coverage allows for the costs to be split between the garage's insurer and the customer's own insurer without the need to determine fault or assign blame to ABC Garage.

In scenarios where Direct Primary Coverage is utilized, regardless of who is at fault for the loss, the insured garage can proceed with their claim, leading to more efficient claims handling. This arrangement promotes better customer relations, as it doesn't involve disputes about liability between the garage and the customer's insurer.

The other options do not provide the same benefits. Excess Coverage would only pay out after the limits of the customer's primary insurance are exhausted, placing more pressure on the customer's insurer first. Legal Liability Coverage focuses on situations where the garage is found liable for damage to a customer's vehicle, which would typically require determining fault. Collision Coverage is specific to damages resulting from a collision event and wouldn't apply in situations not involving driving incidents or where fault is not an issue.