Does my insurance cover me to drive a courtesy car?

The new provisions to the Texas Insurance Code, Chapter 1952, require that a Texas personal auto policy provide the primary liability coverage for a temporary – substitute vehicle used during the policy term.

Can I drive a courtesy car on my insurance?

If you have comprehensive car insurance, a courtesy vehicle should be offered to you at no extra charge. As it will be insured for you to drive, the only thing you need to pay for is fuel.

Do you have to pay insurance on courtesy car?

You must have motor insurance at all times for driving a car on public roads. You may need to pay an additional cost to the garage or company supplying your courtesy car to cover insurance, however they may also provide the insurance free of charge.

Is a loaner car covered by insurance?

Most auto insurance policies cover a loaner that you drive. Insurance policies refer to loaners as temporary replacement vehicles. Even if your insurance doesn’t pay for the cost of a rental car, it still might cover any claims you make following an accident in a loaner or rental vehicle.

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Can my husband drive my loaner car?

Never drive a rental car unless you are listed as a driver on the rental agreement/contract. Never allow someone not listed as a driver on the rental agreement to drive the rental car. Personal auto insurance typically only extends “personal use” vehicles.

Can I get a courtesy car while my car is being serviced?

As long as you go to an approved repairer, you’ll get a courtesy vehicle for as long as the repairs take. The courtesy car will be supplied when an engineer authorises the repairs, not before.

Is a courtesy car free?

There is no legal or Code obligation on any accredited business to give you a courtesy car. … Bear in mind that there may be a charge for the courtesy car, to cover the costs of insurance or fuel.

What happens if you crash a courtesy car?

What happens if I have an accident in my courtesy car? Any courtesy car you get as part of your policy should have the same level of cover that you have on your standard car insurance policy. So if you have an accident in a courtesy car, you’ll only need to pay the excess on it to get it repaired.

Can anyone drive a courtesy car?

Am I insured to drive a courtesy car? If an insurer provides you a courtesy car, it will normally be insured for you and any named drivers on your policy. However, the level of cover that you get might not be the same as in your main policy – you should definitely check.

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Does a courtesy car cost?

How much does courtesy car cover cost? If a courtesy car is included as standard in your policy then it won’t cost you any extra, unless you need to add insurance to drive it.

How long can you keep a loaner car?

Most loan cars programs require the dealer to leave the vehicle in loaner service for a minimum of 90 days. In that time, some will have 1000 miles on them, others could have 6000 miles.

What do I need to know about a loaner car?

A loaner car is a car that many dealerships, mechanics, and body shops offer as a convenience when you bring in your car to get serviced or have maintenance performed on your vehicle.

Does Clearcover cover rental cars?

Your policy will cover a rental or loaner vehicle up to your policy limits. If you have a liability-only policy, then we recommend asking the rental car company about their requirements, because you many need to purchase additional coverage through their company.

Can my spouse drive my Thrifty rental car?

To qualify, THRIFTY requires all additional drivers, including spouses, to satisfy our minimum age requirements, have a valid driver’s license, and pay an additional driver fee. … The additional driver may also be subject to a driver record check and an underage driver’s fee.

What happens when you get into an accident with a loaner car?

If you are involved in a car accident, this is very annoying. … If you have someone else’s car under your control, you are in principle the one who is responsible. If you cause damage to a loaner car, this often means that you have to pay compensation for this damage. The owner of the car can recover the damage from you.

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Can my spouse drive my Hertz rental car?

Rent a car in California

This law covers any additional driver, not just your spouse. As long as you list them on the rental contract, your extra driver can be anyone.

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