Christine was looking quickly at her cell phone when she crashed into her garage, smashing the door. Since her auto liability won't cover the damage because it doesn't extend to property she owns, she hopes her excess liability policy will cover the damage to the garage door. Why is this NOT possible?
1) Excess liability policies cover only what is also covered by the base policy.
2) Excess liability policies only cover bodily injury.
3) Christine's auto liability policy will cover the damages to her garage.
4) Excess liability policies only cover damages to the insured's house, not attached structures.
