When your car is being serviced, you might wonder if your car insurance coverage changes. It’s a valid question! After all, your car isn’t on the road, so does your insurance still apply?
The short answer is yes, your car insurance is still active while your car is being serviced. However, there are some nuances to consider depending on the type of service and potential situations that might arise. Let’s explore how car insurance adjusts during service and what you should be aware of.
Does My Coverage Change at a Mechanic Shop?
Car at a Mechanic Shop
Generally, your car insurance follows your vehicle, even when it’s in the shop for routine maintenance or repairs. This means that if your car is damaged by fire, theft, or vandalism while at the mechanic’s, your comprehensive and collision coverage should apply.
Important Note: It’s crucial to choose a reputable mechanic shop with proper insurance coverage. If the shop’s negligence causes damage to your vehicle, their insurance would typically be the primary coverage.
What if a Mechanic Gets into an Accident with My Car?
This is where things can get a bit tricky. If a mechanic or employee of the repair shop is test-driving your car and gets into an accident, your car insurance would likely be the primary coverage. However, your insurance company may try to subrogate (seek reimbursement) from the repair shop’s insurance, especially if the accident was due to the mechanic’s negligence.
Tip: Always check with your insurance provider to understand their specific policies regarding accidents that occur during service.
Does My Insurance Cover Loaner Cars?
Customer Receiving Loaner Car Keys
Many repair shops offer loaner cars while yours is being serviced. Coverage for loaner cars depends on your specific insurance policy and the terms of the rental agreement with the shop.
- Your Own Policy: Some insurance policies extend coverage to rental cars, which may include loaner vehicles.
- Rental Car Coverage: You can purchase separate rental car coverage, which can be helpful if you frequently need loaner cars.
- Shop’s Insurance: Some shops may provide their own limited liability coverage for loaner cars.
Always clarify who is responsible for insurance coverage before driving a loaner car.
Conclusion
While your car insurance generally remains active during service, understanding the specifics of your coverage and potential scenarios is essential. By being informed, you can have peace of mind knowing you’re protected while your car is being taken care of. Remember, if you ever have questions about your coverage, don’t hesitate to contact your insurance provider for clarification.
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