Every once in awhile, the FC&S editors get a question from one of our subscribers that has no apparent answer. An example of this is a question that pertains to the garagekeepers' (GKLL) coverage: under GKLL coverage, would damage to a customer's car from a falling object be a collision loss or an other-than-collision (comprehensive) loss?
The BAP declares that, if the insured carries comprehensive coverage, it pays for loss caused by a falling object. The PAP lists loss caused by a falling object as an other-than-collision loss. And even the garage physical damage coverage states that loss caused by a falling object is a comprehensive loss.
However, an examination of the GKLL language finds no mention of loss by a falling object. So, if the insured has a customer's car in his repair shop and the garage door assembly falls onto the car causing damage to the car's roof, is this a collision loss or a comprehensive loss?
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