Insurance on a dealership loaner or auto repair shop courtesy vehicle typically operates through an extension of your own personal auto insurance policy or specialized policy endorsements. When you sign out a loaner car, your existing auto insurance policy's liability and physical damage coverages generally transfer over to cover the temporary replacement vehicle. Alternatively, specific insurance endorsements—such as OPCF 27 in Ontario—explicitly cover non-owned autos. If neither applies, you must rely on the repair shop's commercial garage policy terms or purchase a short-term collision damage waiver directly from the dealership.
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