What option does Garagekeepers Liability coverage provide regarding fault?

Garagekeepers Liability coverage is specifically designed to provide protection to businesses that store or park vehicles belonging to others, such as auto repair shops, dealerships, or body shops. The key feature of this type of coverage is that it applies regardless of fault. This means that even if the garage owner or their employees were not negligent or did not cause the damage to a vehicle, the coverage still applies.

This is particularly important in the automotive industry, where vehicles are frequently in the custody of the garage. If an incident occurs, such as theft, damage, or even total loss of the vehicle while it is under the care of the garage, the liability coverage will help cover the costs associated with the loss or damage. This coverage is crucial for protecting the business from financial loss due to claims arising from incidents that are beyond their control.

In the context of the other options, the notion that coverage applies only if at fault is inaccurate as it contradicts the principle of Garagekeepers Liability. Similarly, limiting coverage to only incidents related to staff does not encompass the broader range of potential incidents that could occur while the vehicle is in their care. Lastly, stating that no fault coverage is available misrepresents the entire purpose of this type of insurance, which is fundamentally to provide