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Which of the following coverages would provide protection for the liability of an auto repair garage to owners of vehicles destroyed in the garage by fire?

1) Comprehensive coverage
2) Collision coverage
3) Liability coverage
4) Fire coverage

User Transistor
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1 Answer

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Final answer:

Liability coverage would likely include the necessary protection for an auto repair garage against claims for customer vehicles destroyed by fire. While 'fire coverage' may also be involved, it typically applies to the garage's property, not customers' vehicles.

Step-by-step explanation:

The coverage that would provide protection for the liability of an auto repair garage to owners of vehicles destroyed in the garage by fire is garage keepers liability coverage, which is a specialized form of liability coverage designed for businesses that handle customer vehicles, such as auto repair shops, service stations, and towing companies.

None of the options provided in the question directly reference garage keepers liability coverage. However, the closest option that would typically be included under a policy containing the garage keepers liability would be the general Liability coverage, which can protect against third-party claims for property damage. In this scenario, the fire coverage is relevant but it is not necessarily focused on liability, instead, it might cover the damage to the building or contents owned by the garage itself rather than customer property.

It is worth noting that comprehensive coverage and collision coverage are related to damages to the insured's vehicle and would not extend to customer vehicles in a garage's care, custody, or control.

User Dylan Buth
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