Which garage policy coverage pays for physical damage to a customer's auto regardless of legal liability?

Garagekeepers direct primary coverage specifically provides protection for a customer's vehicle while it is in the care, custody, or control of the garage, regardless of whether the garage operator is legally liable for any damage to that vehicle. This coverage is particularly important for businesses that hold, park, or store customers' vehicles, as it extends protection against physical damage caused by various factors such as accidents, theft, vandalism, or other hazards.

In contrast, other options do not offer the same level of primary coverage for customers' autos without considering legal liability. Garagekeepers legal liability coverage, for example, typically applies when the garage operator is found to be legally responsible for the damage. Section II - Garage Liability coverage is aimed at liability for bodily injury or property damage to third parties resulting from garage operations, rather than focusing on the customer's vehicle itself. Section IV - Garage physical damage coverage also does not specifically guarantee no legal liability is necessary for coverage, as it tends to have a different application and does not directly address the ownership of the vehicle being serviced.

This unique characteristic of direct primary coverage makes it essential for garages to safeguard the interests of their customers effectively.