Which form addresses physical damage to a vehicle under commercial auto insurance?

• A. Business Auto Physical Damage Coverage Form
• B. Garage Coverage Form
• C. Motor Carrier Coverage Form
• D. Business Auto Coverage Form

Answer: (A)

The question is about which form covers damage to your own vehicle under commercial auto insurance. The form that specifically addresses physical damage to the insured vehicle is the Business Auto Physical Damage Coverage Form. It covers damage to your autos from perils like collision, fire, theft, vandalism, and other covered events, often including or paired with collision and comprehensive endorsements. This is distinct from the Business Auto Coverage Form, which provides liability protection for injuries or property damage you cause to others and typically doesn’t by itself cover your own vehicle’s damage. The Garage Coverage Form is for garages, dealers, and service operations, while the Motor Carrier Coverage Form targets liabilities and cargo for motor carriers. So the form that addresses physical damage to the vehicle is the Business Auto Physical Damage Coverage Form.