Georgia Adjuster Practice Test

Which of the following coverages does NOT need to be added to a Garage Coverage form by endorsement?

1. Liability coverage

2. Property damage coverage

3. Collision coverage

4. Comprehensive coverage

The correct answer is: Collision coverage

The correct answer is collision coverage, as this type of insurance typically does not need to be added to a Garage Coverage form by endorsement because it is generally intended for the physical damage to the insured vehicles. Garage Coverage is primarily designed for businesses that engage in automotive services, and it provides necessary protection, including liability and property damage, without needing to add collision coverage as a separate endorsement. Collision coverage generally applies to personal auto policies rather than business-related garage operations, which is why it is not included by default in the Garage Coverage form. The other types of coverages mentioned usually need to be added by endorsement to ensure comprehensive protection under a Garage Coverage form. Liability and property damage coverage are essential and commonly included to cover potential claims that arise from garage operations, while comprehensive coverage provides protections related to damages from events other than collisions, such as theft or vandalism.