What happens if you get into an accident in a loaner car in Australia, which includes repairer courtesy cars and dealership loan cars, is similar to an accident in a hire car, but with specific responsibilities. If you have an accident in a loaner car, first ensure safety, check injuries, turn on hazards, and call 000 if anyone is injured or road is blocked. Exchange licence details, registration, insurance and contact with other driver, and take photos of damage, licence plates and location. Do not admit fault. Then notify the owner of loaner car immediately, whether it is smash repairer or dealership, and also notify your own comprehensive car insurer if you have one, because your policy may have extension. If you were at fault, the loaner car's insurance, which is held by the repairer or dealer under their fleet policy, will cover damage to other people's cars and property and damage to the loaner car itself, but you will be liable for the excess stated in loan agreement, typically $1,500 to $3,000, which you must pay out of pocket. If you purchased excess reduction, excess may be lower. If you were not at fault and can identify other driver, the other driver's insurance pays for damage to loaner car and you may not pay excess. If loaner car is damaged beyond repair, you may be liable for its market value up to excess limit. You are also responsible for any traffic fines, tolls and fuel. If accident was due to your drink driving or unlicensed driving, loaner insurance will be void and you will be personally liable for all costs.
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