Under Sam's standard Garage Policy with Symbol 21, which claim would NOT be covered?

Under Sam's standard Garage Policy with Symbol 21, which claim would NOT be covered?

• A. Injury to Susie while test driving a new car
• B. Injury to Heather caused by Susie's negligence
• C. Claims involving owned vehicles
• D. Damage from weather-related incidents

Answer: (A)

In a standard Garage Policy with Symbol 21, the coverage typically includes liability for owned vehicles, as well as coverage for cars in the garage's custody for service. However, when it comes to test-driving a new car by someone who is not an employee or not part of the garage's operations, coverage can be excluded. In this scenario, Susie, while test-driving a new vehicle, may not be deemed a part of the garage’s operations or listed as an insured under the policy. Since she is not an employee or a scheduled driver, any injury she incurs while driving that vehicle could fall outside the bounds of coverage. On the other hand, injuries caused to third parties, such as Heather, due to negligence in operating a vehicle that is owned by the garage or in its care are typically covered. Claims involving owned vehicles and damage from weather-related incidents are also generally included under the Garage Policy.

In a standard Garage Policy with Symbol 21, the coverage typically includes liability for owned vehicles, as well as coverage for cars in the garage's custody for service. However, when it comes to test-driving a new car by someone who is not an employee or not part of the garage's operations, coverage can be excluded.

In this scenario, Susie, while test-driving a new vehicle, may not be deemed a part of the garage’s operations or listed as an insured under the policy. Since she is not an employee or a scheduled driver, any injury she incurs while driving that vehicle could fall outside the bounds of coverage.

On the other hand, injuries caused to third parties, such as Heather, due to negligence in operating a vehicle that is owned by the garage or in its care are typically covered. Claims involving owned vehicles and damage from weather-related incidents are also generally included under the Garage Policy.