A courtesy car can be a legitimate benefit as part of your insurance policy. An accident where your car is in the garage for a long time is quite stressful. But once it comes and gets to work, it often comes down to some vehicle owners – how can I work while my car gets better?
Fortunately, many auto insurance companies offer an accident courtesy car while you are being repaired after an accident. This will be more important to some than others. While some riders may use the lifts of friends, colleagues, and relatives, use public transport, or find other ways to get to their destination, others will soon struggle without their own bikes.
The prices of such options also vary, and it's worth looking at the fine print to see what you're entitled to when using a replacement car option. For example, some policies may state that they offer car service if available, meaning that availability is limited.
During peak hours, some of the time your car is in business, or worse, all the time it is being repaired can be left without a friendly car. Depending on the vehicle and the extent of the damage, this could take weeks or even months. Another rule might set a deadline for friendly cars to be available – maybe 14 days.
Other types of policies guarantee you will get a replacement vehicle, and some even say they offer vehicles of the same size and engine. It's a kind of like-for-like option that replaces your car with one that has the same body and shape. So if someone has the van repaired, they will also get the van as a friendly car.