A courtesy car is covered by insurance, but determining which specific insurance policy responds depends on your existing coverage structure. In many cases, your personal auto insurance policy automatically extends liability and physical damage protection to temporary replacement vehicles. Alternatively, specialized policy endorsements (such as OPCF 27 in Ontario or SEF 27 in western provinces) explicitly cover short-term loaners and rentals. If neither applies, you must rely on the repair shop's garage policy terms or purchase a temporary collision damage waiver directly from the dealership.
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