Does the Shop Have Insurance to Protect My Car While It’s in Their Care?

October 7, 2025

Leaving your car at a repair shop requires trust.

Here’s how VICE protects your vehicle while it’s in our care—and why repair shop insurance matters.

After an accident, one of the biggest concerns clients have is: “If I leave my car at the shop, is it protected?” It’s a fair question. While your vehicle is waiting for repairs, you want to know it’s safe—whether from theft, fire, weather, or accidents that happen on-site. At VICE, we make protection a priority. That’s why we maintain the proper insurance coverage to safeguard your vehicle throughout the repair process. 

What Insurance Should a Collision Shop Carry?

A reputable collision repair center should carry Garagekeepers Liability Insurance. This policy protects your vehicle while it’s in the shop’s custody, care, or control. 


Coverage typically includes: 

  • Fire and Weather Events: Protection if a storm, fire, or other natural event damages vehicles. 
  • Theft or Vandalism: If your car is stolen or vandalized while on the property. 
  • Accidental Damage: If shop staff or equipment cause damage while handling your vehicle. 

Without this coverage, you could be left relying solely on your own policy if something goes wrong. 

Why This Matters for Attorneys and Clients

For attorneys representing injured clients, knowing a shop has the right insurance builds confidence that the property damage side of the case is fully protected. 


For clients, it means peace of mind. Your vehicle isn’t just sitting in a lot unprotected—it’s covered from the moment it arrives until the moment it leaves. 

How VICE Protects Your Vehicle

At VICE, protecting your vehicle is more than just policy—it’s part of our process. 


Here’s how we safeguard your car while it’s in our care: 

  • Garagekeepers Insurance: Full coverage while the vehicle is on-site. 
  • Secure Facilities: Locked, monitored storage areas to prevent theft or vandalism. 
  • Controlled Access: Only authorized staff handle vehicles in repair and storage. 
  • Detailed Documentation: Condition reports and photos to ensure all damages are tracked and addressed. 

This layered approach ensures your vehicle is always protected—whether it’s waiting for parts, in the repair bay, or ready for delivery. 

Do You Still Need Your Own Coverage?

Yes. While the shop’s insurance covers risks on their property, your own policy remains important for: 

  • Liability coverage for the accident itself 
  • Rental car coverage while your vehicle is being repaired 
  • Diminished value claims after the repair 

At VICE, we help clients and attorneys understand how these layers of coverage work together. 

When you leave your car at a repair shop, you’re putting trust in more than their ability to fix it—you’re trusting them to protect it. At VICE, we maintain the right insurance and safeguards so you never have to wonder if your vehicle is secure. 


Your car is fully protected in our care,

from drop-off to pick-up. 

When you leave your car at a repair shop, you’re putting trust in more than their ability to fix it—you’re trusting them to protect it. At VICE, we maintain the right insurance and safeguards so you never have to wonder if your vehicle is secure. 


Your car is fully protected in our care, from drop-off to pick-up. 

Know someone hesitant about leaving their car at a repair shop? Share this blog to help them understand why shop insurance matters—and how VICE provides peace of mind.