Analysis brought to you by the experts at FC&S Online, the unquestioned authority on insurance coverage interpretation and analysis for the P&C industry. To find out more — or to have YOUR coverage question answered — visit the National Underwriter website, or contact the editors via Twitter: @FCSbulletins.
Question: We have a golf course client that purchased Garagekeepers Coverage (CA 99 37 10 13) with direct, primary Comprehensive. The reason for buying the coverage was to cover cars in the club's valet parking lot, but there's nothing in the policy or the form to distinguish between valet parking and any other kind. The club has one big parking lot with a portion marked off for “Valet Parking Only,” but there's no barriers or fences to separate one kind of parking from another.
A member of the club parked his own car in the non-valet portion of the lot and thieves stripped it of a $3,000 sound system. The insurance company refuses to pay the claim because the member parked it himself. It's our contention that customers' autos covered by the policy are not restricted to those parked by the valet service. Further, since it's all one big parking lot, and the entire location is included in the “Address Where You Conduct Garage Operations,” the claim should be paid, subject to the deductible, of course.
Recommended For You
Want to continue reading?
Become a Free PropertyCasualty360 Digital Reader
Your access to unlimited PropertyCasualty360 content isn’t changing.
Once you are an ALM digital member, you’ll receive:
- Breaking insurance news and analysis, on-site and via our newsletters and custom alerts
- Weekly Insurance Speak podcast featuring exclusive interviews with industry leaders
- Educational webcasts, white papers, and ebooks from industry thought leaders
- Critical converage of the employee benefits and financial advisory markets on our other ALM sites, BenefitsPRO and ThinkAdvisor
Already have an account? Sign In Now
© 2025 ALM Global, LLC, All Rights Reserved. Request academic re-use from www.copyright.com. All other uses, submit a request to [email protected]. For more information visit Asset & Logo Licensing.
