Garage Automobile Insurance the mystery of this special circumstance unraveled – Zehr Insurance Brokers Ltd.

Shops such as collectbile car fabrication, body and paint shops, restoration shops, interior upolstry shops, mechanical build and service shops, vehicle storage facilities, collector car dealers and more.

Zehr Garage is not only setup to respond to business owners who run their garages, the policy format also provides flexibility and the additional feature of Agreed Value. While Agreed Value is common on owner’s collectible car insurance forms, it is unique on the garage insurance side.

When it comes to Garage Auto insurance responding to loss or damage to customers cars, it is important to understand legal liability. Where civil law holds a business who through the negligence of or contribution of, causes loss or damage to a customer’s vehicle, insurance can be in place to protect that garage operator for costs associated with such damages. The point that is so important to understand in this context is that it is the garage’s legal liability. The garage has had to be proven to have done a wrong to the vehicle owners vehicle.

It is easier to understand examples of contributory negligence on the part of the garage with this example:

A repair garage crashes a customer’s car during a test drive and is found to be responsible for the accident – example, is speeding, loses control and exits the roadway resulting in a collision

An example of where a garage would not have a legal liability for loss or damage to a customers car is where the garage is not negligent or contributory for such loss or damage, such as:

While a customer’s vehicle is inside the garage, a servere windstorm, hurricane or tornado destroys the garage and the custom’s car. This “act of God” as it could be referred to was not in the control of or negligence of the garage oparator.  

Depending on the type of garage operations, coverage can be provided for owned vehicles or it can be provided to only cover customers vehicles, thus owned vehicles are excluded. In such a case, owned vehicles would be covered under the standard owners car insurance form, the OP1. The Garage Auto policy in Ontario is known as the OP4.