TRICOR
BLOG

May 03, 2018 @ 12:00am

http://tricorinsurance.com/sites/tricorinsurance.com/assets/images/blog-posts/shop-coverage-0010.jpgA common insurance question is “how is my car protected if it’s in the shop?” If you carry physical damage coverage (often referred to as comprehensive and collision) your vehicle is still covered under your policy when it’s in the care, custody or control of the auto repair or body shop.


Here are a few more frequently asked questions we get from our clients:

Should my insurance have to pay for something the auto repair or body shop damaged?

Auto repair and body shops should carry what we call Garage Keepers coverage. That means the business owner buys insurance to cover vehicles they do not own but are left in their care for service or repair. When written properly, the shop’s insurance would pay for any damage and cover costs of repair so your own insurance would not get involved.

I’m driving a loaner car from the shop, and I get in an accident which insurance will coverage any damages?

In most cases your personal auto policy will cover the loaner as a “temporary substitute” so you would get the same coverage on the loaner as the car you have in the shop. Same coverage…different vehicle.

About the author:

MANAGE YOUR
INSURANCE ONLINE

Online Account Access

ONLINE ACCOUNT ACCESS

Mobile App

MOBILE APP

Never be without access to important policy information: pay your bill, request a change to your coverage, access documents and auto ID cards, and more

TRICOR ONLINE

Asset 1 Asset 1 Agriculture Agriculture General Business Construction Education Transportation Transportation2 Public Entity Manufacturing Non-profit Beer and Wine Health Care Health Care Newspaper High Value Home Home Life Insurance Health Insurance Auto Insurance Umbrella Insurance Careers Form Contact Contact TRICOR Login Asset 3 Safety Consulting Risk Management Mission Driven Service Driven Pursuit of Excellence Collaborative Approach 401(k) Voluntary Benefits Asset 1 Paid Time Off Proactive Communication Community Minded Local Experts Recreational Vehicle Renters Insurance Condo Insurance Medicare Supplement Moving to a new location Remodeling or adding on to your store or warehouse Attending a tradeshow Having a special event Asset 1 Workers Compensation Online Services Small Chevron Med Chevron Large Chevron Small Diamond Medium Diamond Large Diamond Down Triangle Down Triangle Chevron Sliver Small Chevron Sliver Med Chevron Sliver Large Left Triangle 3 to 1 Right Triangle 3 to 1