What does the garage form NOT cover?

The garage form is a specialized insurance policy designed primarily for businesses that engage in services related to vehicles, such as repair shops or auto dealerships. It provides coverage for various risks associated with the operation of such businesses, including property damage, liability arising from the services performed, and physical damage to vehicles under the garage's care.

Medical payments coverage, however, is not included in the garage form. This type of coverage typically pertains to bodily injury and is more commonly found in personal auto policies or general liability insurance. In the context of the garage form, while it may provide liability coverage for injuries caused by the business's operations or vehicles, it does not extend to covering medical expenses for individuals injured in accidents that are not directly related to the business's actions.

Thus, while the garage form offers significant protections for property and liability related to vehicle-related businesses, medical payments are specifically excluded, making this the correct answer.