Category: Personal Auto

Is There Auto Coverage for Dealer Loaner Autos, Rental Cars, and Test Driving Vehicles?

Your PAP customer wrecks a dealer’s car that he has possession of as a loaner or is test driving. The dealer’s insurer pays the claim, less the deductible, then subrogates against your customer. Your customer’s insurer denies all of the claim except maybe for reimbursing the deductible. Your insured is out THOUSANDS. What to do?

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