RICHMOND, Va. - The Fourth Circuit U.S. Court of Appeals on July 5 affirmed a lower court's ruling that a car dealership insured is not entitled to insurance coverage for underlying claims that it collected illegal administrative fees in connection with the sale of automobiles (Graphic Arts Mutual Insurance Co., et al. v. Caldwell Chevrolet Inc. d/b/a Fred Caldwell's Clover Chevrolet, No. 13-1241, 4th Cir.; 2013 U.S. App. LEXIS 13668).