Garage Coverage Information

Garage Liability (Section II Liability Coverage):

This coverage form provides two types of liability coverage. The first is similar to commercial general liability coverage and the second is similar to business auto coverage.

1. Garage Operations- Other Than Covered Autos

   The insurance company pays amounts an insured is legally obligated to pay as damages because of bodily injury or property damage covered by this insurance. The injury or damage must be caused by an accident and be due to garage operations. Accidents due to ownership, maintenance or use of covered autos are not covered.

2. Garage Operations- Covered Autos

   The insurance company pays amounts an insured is legally obligated to pay as damages because of bodily injury, property damage, and certain pollution costs and expenses this insurance covers caused by an accident and resulting from garage operations involving ownership, maintenance or use of covered autos. It only pays covered pollution costs and expenses if there is covered bodily injury or property damage caused by the same accident. Covered autos for dealerships are designated as Symbol 21 - Any 'Auto', and for all other acceptable operations are designated Symbol 30 - 'Autos' left with you for service, repair, storage, or safekeeping.

Uninsured Motorist:

Uninsured motorists coverage pays the insured when the vehicle that damages the insured is legally responsible for the insured's damages but has no insurance. Most coverage forms and policies cover only damages for bodily injury but some states require offering property damage coverage as well. (Dealer Only and Scheduled Autos)

Underinsured Motorist:

Underinsured motorists coverage pays the insured when the vehicle that damages the insured is legally responsible for the insured's damages and has insurance but the limits are insufficient to pay the value of the injury or damage sustained. (Dealer Only and Scheduled Autos)

Garagekeepers Coverage (Section III Garagekeeprs Coverage):

The insurance company pays amounts the insured is legally obligated to pay as damages for loss or damage to either a customer's auto or its equipment left in the insured's care while attending, servicing, repairing, parking or storing it in the named insured's garage operations. Covered autos for both dealer and service operations are designated as symbol 30 - 'Autos' left with you for service, repair, storage, or safekeeping. There are two coverage options available:

1. Direct Primary: Provides coverage to the insured even if the loss is not the insured's fault and the insured is not legally liable.
2. Legal Liability: Provides coverage to the insured only for losses which are the insured's fault and for which the insured is legally liable.

Auto Medical Payments

This endorsement covers reasonable expenses an insured incurs for necessary medical and funeral services resulting from bodily injury, including sickness, disease and/or resulting death when caused by a covered accident. In order for coverage to apply, such expenses must be incurred and services rendered within three years of the date of the covered loss.