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Falling Objects and Collision Coverage

Under garagekeepers' coverage, would damage to a customer's car from a falling object be a collision loss or an other-than-collision (comprehensive) loss? One FC&S editor gives you his opinion.

By David D. Thamann | Updated on April 05, 2011

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.

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