Who needs a Garage Auto Policy? Automobile dealers (new and used cars and trucks), repair garages, service stations, storage garages, parking lots, valet parking, drive away or delivery auto services and towing companies.
The Garage Auto Policy provides insurance to cover:
– insured’s legal liability for death, bodily injury and property damages to others;
– accident benefits for garage personnel
– physical damage insurance for owned vehicles for those businesses primarily engaged in the sale of automobiles. Usually, vehicles owned by the owners of repair or storage garages are insured on a standard owners policy not the garage auto policy.
– legal liability for physical damage to customer automobiles and other non-owned automobiles while in the garage’s care, custody and control.