A loaner car is a substitute car given to a customer whose vehicle is in for service. Known as a courtesy car, it is sometimes offered free of charge by a dealer. But how can you arrange for a loaner car from the dealership? Read to know more.
When does a dealership get you a loaner car?
You have a full coverage car insurance
A dealer that has agreed to loan you a vehicle under the terms of your contract must do so if one is available. Full coverage automobile insurance may incorporate loaner car cover as a contractual requirement.
You need to travel, but your car is still not ready
When a client brings their vehicle in for maintenance, the dealership may provide the use of a loaner car while the customer’s vehicle is getting the service. Customers who require a means of transportation while they wait can make use of this service, which is often offered free of charge.
Loaner cars are a common service provided by many high-end automotive dealerships. When taking your standard vehicle in for warranty service that may take longer than two hours, you may be eligible for a loaner vehicle.
You are a loyal customer of the dealership
The major reason a dealer gives you a free loaner car is for service. In an effort to maintain positive relationships with loyal customers and attract new ones, certain dealerships may provide you with a loaner vehicle. And it’s not just for the regulars; it’s for the lifelong customers.
Another way to try out a vehicle before buying it is through a loaner car test drive offered by the dealer. The dealer stands to gain a customer if you end up falling in love with the loaner model you’re testing.
Your car is subject to safety recalls
For customers whose cars are subject to safety recalls but for which repairs cannot be performed owing to a lack of necessary parts, the dealership may provide a free loaner vehicle to drive in the meantime. Although manufacturers and dealers may have varying loaner car rules, some may be more generous than others.
Step-by-step guide to getting a loaner car
Confirm with the dealership
Ask if your dealership’s service department has an option for the loaner car that your insurance will pay for.
Schedule a meeting
The next time your car gives you trouble, have the service staff validate the problem. And then schedule an appointment with your dealer. Make sure to have your license and proof of insurance in hand. Inquire about the estimated repair time. Do not hesitate to request a courtesy car if you anticipate waiting longer.
Bring in the documents
Some documentation or proof of identification, like a driver’s license or registration, may be required. Insurance information is also required at this time. Most dealerships will have a loaner car ready for you within a few hours. Even if you have to wait a little longer, it should be out shortly.
Acquire the loaner car
Drive away in the loaner car, but keep in mind the dealership’s driving policies and any other advice you may get. Loaner cars typically come with specific instructions on how to drive and return them from the dealership. Take your time reading these directions before driving away in the rental car.
FAQs on getting a loaner car from the dealership
Is it possible to buy a loaner car?
Yes, and with that, you save a lot of money. Unlike rental cars, they are well-maintained, backed, and protected while in service. And you get loans to buy a loaner car from a dealership.
Who is responsible for loaner car accident payments?
Depending on the specifics of the rental agreement and the insurance policy, the bill for a wreck involving a rented vehicle could be steep. You have the right to sue the person responsible for an accident in which you were injured. The insurance policy you currently have will cover the loaner car in the event of an accident.
Depending on the terms of your agreement, the dealership may also provide primary or excess coverage for the duration of your vehicle ownership. Suppose your leased vehicle is found to be at fault in an accident that results in damage to another person’s property or injury to another person’s personality. In that case, the dealer’s insurance policy may cover the costs.