What are the two parts of the garage liability coverage?

• A. Garage operations cover autos and Garage operations other than covered autos
• B. General liability and Auto liability
• C. Property damage and Bodily injury
• D. Medical Payments and Personal Injury

Answer: (A)

Garage liability coverage is designed to protect a business that services, stores, or parks vehicles, and it consists of two areas of exposure. The first part covers autos involved in the garage operations—these are the vehicles the business handles, such as customer cars in repair or storage. The second part covers garage operations that do not involve covered autos, addressing risks from non-vehicle activities on the premises or related to the business itself. This two-part structure is why the correct understanding is that the coverage is divided into “garage operations cover autos” and “garage operations other than covered autos.” Other options mix broader liability types or focus on damages or medical payments, which aren’t the two-part division specific to garage liability.