In a garagekeepers policy, PIP coverage is:

In a garagekeepers policy, Personal Injury Protection (PIP) coverage is available with an endorsement. This means that while PIP is not automatically included in every garagekeepers policy, an insured can choose to add it by applying an endorsement to their existing policy.

This approach allows the policyholder flexibility to tailor their coverage based on their specific needs and circumstances. It's important for insureds to understand that this means they typically need to proactively express their desire for this coverage, rather than it being a standard part of the policy. In this context, understanding that PIP can enhance the overall protection offered under a garagekeepers policy is crucial, especially as it pertains to potential liability for injuries sustained by customers while on the insured's premises.