What if you crash the Complimentary Loaner Vehicle?

bender rodriguez · 02-07-2013, 03:51 PM

Does their insurance or mine pay for it

onebadmofo · 02-07-2013, 03:54 PM

Most likely your insurance, they did ask you what insurance you had when filling out paperwork for loaner, right?
What happened?

bender rodriguez · 02-07-2013, 03:56 PM

Quote:

Originally Posted by onebadmofo

Most likely your insurance, they did ask you what insurance you had when filling out paperwork for loaner, right?
What happened?

lol I haven't got one yet or crashed one.. I am having my blue tooth enabled and I heard wait times are pretty bad here.. 2 hours + for oil it is the only bmw dealer in a huge town. Saw on the service website a cupon for a loaner.. Just wondering because I think my insurance would drop me if I crashed a new bmw

onebadmofo · 02-07-2013, 03:58 PM

Just go rent a Chevy Aveo, buy damage waiver and have fun with it

bender rodriguez · 02-07-2013, 04:00 PM

Quote:

Originally Posted by onebadmofo

Just go rent a Chevy Aveo, buy damage waiver and have fun with it

Like this?

Dark_Knight_335 · 02-07-2013, 04:06 PM

You do- ask me how I know.

StevenY. · 02-07-2013, 04:07 PM

Quote:

Originally Posted by Dark_Knight_335

You do- ask me how I know.

How do you know?

bender rodriguez · 02-07-2013, 04:08 PM

Quote:

Originally Posted by Dark_Knight_335

You do- ask me how I know.

Please tell story

BOBKUR · 02-07-2013, 04:24 PM

Quote:

Originally Posted by Mr.Ritz

Like this?

This is the reason you never see these people on the race track.

Mr.Smithers · 02-07-2013, 04:27 PM

Quote:

Originally Posted by BOBKUR

This is the reason you never see these people on the race track.

What do you mean by "these people"?

bender rodriguez · 02-07-2013, 04:28 PM

lol waiting for someone to say that..

bplewis24 · 02-07-2013, 06:01 PM

I just purchased a used 335i from the dealer and I read the loaner policy. Essentially it says you are liable for any damage done to the vehicle while it's loaned to you. So it's either you paying for it or your insurance, however that works.

Dark_Knight_335 · 02-07-2013, 07:40 PM

Quote:

Originally Posted by Mr.Ritz

Please tell story

Dumb ass ex-gf decided to back the loaner up into a concrete wall and grate the back bumper like parmesan cheese

. I was charged out of pocket... It was like 750$ and wasn't worth going through insurance with a 500$ deductible.

Cbozz · 02-07-2013, 07:42 PM

Quote:

Originally Posted by Mr.Ritz

lol I haven't got one yet or crashed one.. I am having my blue tooth enabled and I heard wait times are pretty bad here.. 2 hours + for oil it is the only bmw dealer in a huge town. Saw on the service website a cupon for a loaner.. Just wondering because I think my insurance would drop me if I crashed a new bmw

where you at?

John 070 · 02-07-2013, 07:46 PM

Yours does. If you do something illegal in the vehicle (even letting someone else drive it) you pay it all no insurance. It's a temporary use auto which many folks seem to not understand. On the 31st day, if you have it that long your insurance no longer covers it.

bender rodriguez · 02-07-2013, 08:27 PM

Quote:

Originally Posted by Cbozz

where you at?

Tx, austin. why?

e92ben · 02-07-2013, 09:37 PM

I did!!! Lol! Hit and run while I was at work. Dealer was super cool about it kept calling to make sure i was okay and EVEN APOLOGIZED lol. offered to bring me another. Even covered my deductible.

Your insurance pays for it.

BOBKUR · 02-07-2013, 10:10 PM

Quote:

Originally Posted by Mr.Ritz

Does their insurance or mine pay for it

Do you have ESP!

fatgrandma · 02-07-2013, 11:27 PM

Quote:

Originally Posted by Mr.Ritz

Like this?

Das_Stig · 02-07-2013, 11:54 PM

Quote:

Originally Posted by Dark_Knight_335

Dumb ass ex-gf decided to back the loaner up into a concrete wall and grate the back bumper like parmesan cheese

. I was charged out of pocket... It was like 750$ and wasn't worth going through insurance with a 500$ deductible.

thats painful.. can see why shes an ex

AlterZgo · 02-07-2013, 11:58 PM

Quote:

Originally Posted by John 070

Yours does. If you do something illegal in the vehicle (even letting someone else drive it) you pay it all no insurance. It's a temporary use auto which many folks seem to not understand. On the 31st day, if you have it that long your insurance no longer covers it.

Not always true. It really depends on your insurance policy. My policy has no stated limit for "temporary" substitute cars (car that replaces your car while your car is being serviced or repaired). However, there is like a 3 week limit for a "non-owned" car (you are driving a friend's car or renting a car but your own car is not out of use or being serviced or repaired).

Arben72 · 02-08-2013, 12:02 AM

My dads Mercedes loaner got hit. $1500 in damage. It was a choice of going through insurance or just paying for it himself. He chose to pay for it himself but I'm pretty sure he could've gone through insurance no problem.

02-07-2013, 03:51 PM	#1
bender rodriguez Banned 149 Rep 1,995 Posts Drives: Audi Join Date: Mar 2011 Location: CA iTrader: (1)	What if you crash the Complimentary Loaner Vehicle? Does their insurance or mine pay for it Last edited by bender rodriguez; 02-07-2013 at 03:56 PM..
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02-07-2013, 03:54 PM	#2
onebadmofo Colonel 346 Rep 2,396 Posts Drives: 2008 E90 M3 Join Date: Aug 2010 Location: Central NJ iTrader: (14)	Most likely your insurance, they did ask you what insurance you had when filling out paperwork for loaner, right? What happened?
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02-07-2013, 03:58 PM	#4
onebadmofo Colonel 346 Rep 2,396 Posts Drives: 2008 E90 M3 Join Date: Aug 2010 Location: Central NJ iTrader: (14)	Just go rent a Chevy Aveo, buy damage waiver and have fun with it
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02-07-2013, 04:06 PM	#6
Dark_Knight_335 Came to the N55 Darkside 1112 Rep 12,740 Posts Drives: 2011 335 E93 M-Sport Join Date: May 2010 Location: NY/NJ iTrader: (28)	You do- ask me how I know.
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02-07-2013, 04:28 PM	#11
bender rodriguez Banned 149 Rep 1,995 Posts Drives: Audi Join Date: Mar 2011 Location: CA iTrader: (1)	lol waiting for someone to say that..
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02-07-2013, 06:01 PM	#12
bplewis24 Lieutenant 189 Rep 537 Posts Drives: 2019 LBB M2 Comp; Tesla Model3 Join Date: Dec 2012 Location: Sacramento, CA iTrader: (1)	I just purchased a used 335i from the dealer and I read the loaner policy. Essentially it says you are liable for any damage done to the vehicle while it's loaned to you. So it's either you paying for it or your insurance, however that works. __________________ Brandon Last edited by bplewis24; 02-08-2013 at 05:34 AM..
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02-07-2013, 07:46 PM	#15
John 070 Lieutenant General 1705 Rep 14,829 Posts Drives: 335i cpe Join Date: Oct 2006 Location: ZSP/ZPP/ZCW iTrader: (0)	Yours does. If you do something illegal in the vehicle (even letting someone else drive it) you pay it all no insurance. It's a temporary use auto which many folks seem to not understand. On the 31st day, if you have it that long your insurance no longer covers it.
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02-07-2013, 09:37 PM	#17
e92ben Brigadier General 1053 Rep 3,206 Posts Drives: BMW M3 BMW 635csi Join Date: Jul 2011 Location: Kenosha Wi iTrader: (7)	I did!!! Lol! Hit and run while I was at work. Dealer was super cool about it kept calling to make sure i was okay and EVEN APOLOGIZED lol. offered to bring me another. Even covered my deductible. Your insurance pays for it. __________________ e92 ///M3
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02-08-2013, 12:02 AM	#22
Arben72 Banned 50 Rep 462 Posts Drives: E92 M3 Join Date: Apr 2011 Location: Illinois iTrader: (0)	My dads Mercedes loaner got hit. $1500 in damage. It was a choice of going through insurance or just paying for it himself. He chose to pay for it himself but I'm pretty sure he could've gone through insurance no problem.
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