During the time when an insured person is operating a motor vehicle provided by a motor vehicle dealer for use while the insured person’s motor vehicle is being serviced, repaired, or inspected by the motor vehicle dealer, when both the insured person’s and motor vehicle dealer’s motor vehicle insurance policies have a mutually repugnant clause regarding primary coverage, the insured person’s motor vehicle insurance policy shall provide primary coverage for the motor vehicle and the motor vehicle insurance policy of the motor vehicle dealer shall provide secondary coverage until the motor vehicle is returned to the motor vehicle dealer. This section only applies to the loan of a motor vehicle by a motor vehicle dealer which occurs without financial remuneration in the form of a fee or lease charge paid directly by the insured person operating the motor vehicle. Payments made by any third party to a motor vehicle dealer, or similar reimbursements, shall not be considered payments directly from the insured person operating the motor vehicle.