What does ICAR cover?

The correct answer highlights that ICAR, which stands for the Insurance and Claim Association of Retailers, provides coverage specifically for claims made against dealers that are not covered by their dealer bond. This is crucial because dealer bonds typically provide a form of financial security for customers and the state, ensuring that dealers operate honestly and adhere to regulations. However, there are situations where claims might arise that fall outside the scope of what the bond covers, such as certain legal disputes or liabilities that can't be addressed through the bond.

Understanding this aspect emphasizes the importance of having additional coverage to protect dealers from potential financial losses that could occur when a claim is not covered by the bond. This makes ICAR coverage particularly valuable for individuals in the dealership business.

The other options do not accurately represent the scope of ICAR. For instance, it does not cover all dealership expenses broadly, nor is it focused solely on customer complaints or only the legal fees incurred. It's essential for dealers to know the specific protections in place, which in this case are aimed at claims not addressed by standard dealer bonds.