It turns on which basis the coverage was written on, and there are three. Legal liability responds only where the business is found responsible, so fault has to be established, and a customer whose car was hailed on in your lot gets nothing from you. Direct primary responds regardless of fault and pays first, which keeps the customer out of their own policy. Direct excess also responds regardless of fault, but where you are not liable it sits behind the customer’s own physical damage coverage and commonly reimburses their deductible. Forms differ on how direct excess behaves when you are liable, so read the other insurance condition on yours.
Related FAQs
Typically not. Tools and equipment are usually addressed under other coverages we can review with you.
It generally refers to vehicles a customer has left with you. Garagekeepers is designed to respond when those vehicles are damaged while in your care.
Many auto businesses do, because they cover different exposures. We can help you decide based on how you operate.
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