Which coverage or liability is NOT typically associated with garage coverage forms?

Underinsured motorist coverage is not typically associated with garage coverage forms because it primarily relates to personal auto insurance policies rather than business insurance. Garage coverage forms are designed to provide insurance for businesses that engage in vehicle-related activities, such as repair shops, service stations, or parking garages.

The essential components of garage coverage generally include liability for physical injuries that occur on the business premises, liability for theft of customer vehicles, and property damage to vehicles that are in the process of being repaired. These aspects are tailored to the specific risks faced by businesses that handle vehicles. Underinsured motorist coverage, however, is intended to protect individual drivers when they are in an accident caused by a driver whose insurance is insufficient to cover the damages. This type of coverage is more relevant to personal auto insurance policies rather than the specialized nature of garage coverage.