Final answer:
A personal auto policy serves as secondary coverage for liability when a car is left at a garage and is involved in an accident; the garage's insurance is primary.
Step-by-step explanation:
The statement that a personal auto policy is excess in respect to liability coverage when the insured leaves their vehicle at a garage and the vehicle is involved in an accident is True. Personal auto insurance typically functions as a secondary coverage in this scenario.
This means that if a garage employee causes an accident while driving or servicing the car, the garage's insurance would be the primary source of liability coverage, while the car owner's personal auto policy would only come into play if the garage's insurance limits were exhausted.