What coverage forms are used in commercial auto insurance?

In commercial auto insurance, the appropriate coverage forms are the Business Auto, Garage, and Motor Carrier Coverage Forms. Each of these forms is tailored to meet the unique needs of different types of businesses that utilize vehicles.

The Business Auto Coverage Form is designed for businesses that use vehicles for commercial purposes, providing liability, physical damage, and other necessary coverages that protect the business's interests in vehicles.

The Garage Coverage Form is specifically intended for businesses that repair, service, or park vehicles, such as auto dealerships or repair shops. This form addresses unique risks associated with those operations, including coverage for customers' vehicles while in the care of the business.

Lastly, the Motor Carrier Coverage Form caters to businesses that transport goods or materials using commercial vehicles, offering specialized protection related to the transportation of these items.

The other choices do not apply to commercial auto insurance. Liability and Collision Coverage are specific coverages that may be part of the overall forms but do not represent the holistic approach taken by the comprehensive forms described. Personal Auto and Homeowner's policies are not suitable for commercial applications, as they are geared toward personal use and property protection, respectively. Therefore, the correct answer encompasses the specific forms that address the diverse needs of businesses involving commercial vehicles.