What is the outcome when a mechanic's hoist collapses during work on a customer's car?

The correct answer is that no coverage is applicable in this scenario. In general terms, garage keepers liability insurance provides liability coverage for damages to customers' vehicles while in the custody of a garage. However, when it comes to the owner's premises, the coverage usually excludes damage to the property of others that arises from the operation of machinery, such as a mechanic's hoist. If the hoist collapses and damages the customer's vehicle or any other property, this type of incident may be deemed a liability of the garage owner and would typically fall under exclusions for the specific type of incident related to equipment failure.

Other types of coverage, such as liability coverage for the mechanic or coverage for garage operations, would not apply in this case since the incident does not involve third-party bodily injury or damage that would be covered under standard premises liability coverage. Therefore, the circumstances of the hoist collapsing do not trigger the coverage of liability or repair for the vehicle itself, leading to the conclusion that no coverage is applicable in this situation.