Garage Insurance covers a rental car only if:

Garage insurance is designed primarily for businesses that deal with the sale, repair, or servicing of vehicles. One of the key coverages under garage insurance is the rental of substitute vehicles, which applies specifically in situations where a customer's vehicle is left for service or repair.

In this context, when a customer's auto is being serviced, the garage policy provides coverage not only for the vehicle being repaired but also extends to any rental vehicle that the customer is using as a substitute during that time. This ensures continuity for the customer while their vehicle is unavailable due to repairs, aligning insurance coverage with the nature of the transaction occurring at the garage.

The other options do not typically meet the criteria for coverage under garage insurance. For example, rentals for business use or personal use generally fall outside the specific scenarios that garage insurance is intended to address. Coverage related to payments by the insurance company might occur in different circumstances but doesn't specifically pertain to the nature of garage policies regarding rentals for service situations.