Which part of the garage liability coverage would apply to damage to a customer's car while it is in the shop?

• A. Garage operations cover autos
• B. Garage operations other than covered autos
• C. Property coverage
• D. Medical payments

Answer: (A)

The part being tested is how garage liability splits coverage when a vehicle is in the shop. When a customer’s car is in the shop, the garage is effectively handling or in control of that auto. The garage policy provides a specific portion for “autos” in the garage’s care, custody, or control, which covers liability for damage to those autos. That means damage to the customer’s car while it’s being serviced is covered by the garage operations coverage for autos.

The other option, garage operations for items other than covered autos, would apply to non-vehicle property (like tools or the customer’s belongings not involving a vehicle). Medical payments would cover injuries to people, not damage to a vehicle. So the correct coverage is the garage operations portion that applies to autos.