In a garagekeepers insurance policy, PIP coverage is available through what?

In a garagekeepers insurance policy, Personal Injury Protection (PIP) coverage is available through an endorsement. An endorsement in insurance terms refers to a document that modifies the coverage of the policy to include additional benefits or alter specific conditions. This means that when an insured party wants to add PIP coverage, they typically do so by applying for an endorsement that specifically provides this additional coverage.

This approach allows garagekeepers insurance policies to be more customizable, enabling vehicle service providers to enhance their existing coverage as needed. Endorsements can be added to broaden the scope of protection without requiring a completely new policy, which is typically more convenient and cost-effective for both the insurer and the insured.

By contrast, other options like direct coverage suggest a straightforward inclusion of PIP coverage into the policy, which is not standard practice; a separate policy would mean obtaining entirely new insurance unrelated to garagekeepers insurance, and standard features imply that PIP is included by default, which is not the case in all instances. Thus, the nature of endorsements makes them the proper vehicle for adding PIP coverage in this context.