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Discussion Starter #1 (Edited)
A tornado ripped thru our town in Missouri in 5-22. It destroyed both the Toyota and Chevy dealership.. Looked like toy cars stacked on top of one another..They say 80% are scrapped...A friend had his truck in for a recall, they loaned him a loaner, his truck was inside the shop. The tornado ripped the lift out of the concrete floor and dropped in on his truck, separating the cab from the bed, and his brill was somehow found outside among the pile of cars .. Now the weird thing... His insurance company says they arent paying for the loaner any more, that its on the dealer...The dealer wants their loaner back...Geeeez..Thank God it was at night..11:45..and no one was killed.
 

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Highlander Ltd. AWD
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If his truck was in the shop due to a Toyota recall, why is his insurance company paying for a loaner?

And he should tell the dealer to go pound sand... :)
 

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Once a vehicle is totaled, insurance company writes a check. Once you get the check, the loaner isn't yours.

It should be more fun when dealer reports the loaner stolen. It is property that doesn't belong to your friend.

My insurance won't pay for a loaner after they settled, which was quick. Here's your money and go buy a new car. Now I have a new insurance company, a spare car parked elsewhere, and an insurance discount since I don't want a loaner ever anymore.

Dealer isn't obligated to give you an indefinite loaner. Service time was completed when vehicle was totaled.

Blame the storm and not the dealer or insurance company.

I want free stuff too but socialism leads to a Cuban/NorthKorean economy. We all know how well the Soviet Union turned out.
 

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Discussion Starter #4 (Edited)
If his truck was in the shop due to a Toyota recall, why is his insurance company paying for a loaner?

And he should tell the dealer to go pound sand... :)
His truck was in their shop due to a recall.. they loaned him a truck till they got the recall item repaired, So thats ok.. then that night the tornado came and destroyed 80% of the dealers cars and trashed the building itself..His truck was destroyed due to the tornado...Now IF he had an accident somewhere and the truck was totaled, his insurance would be paying for a loaner anyway.I doubt any checks have been written yet anyway..My point is the CUSTOMER shouldnt be liable to pay for a loaner regardless.
 

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His truck was in their shop due to a recall.. they loaned him a truck till they got the recall item repaired, So thats ok.. then that night the tornado came and destroyed 80% of the dealers cars and trashed the building itself..His truck was destroyed due to the tornado...Now IF he had an accident somewhere and the truck was totaled, his insurance would be paying for a loaner anyway.I doubt any checks have been written yet anyway..My point is the CUSTOMER shouldnt be liable to pay for a loaner regardless.
Nor should his insurance company have to cover a loaner while it's in a dealer due to a recall (at least I've never heard of a policy that does). And the other major point is that he DIDN'T have an accident; that can change everything. You mentioned that his insurance company has already told him that the dealer (and their insurance carrier) is responsible for all of the damages, including reimbursement for a loaner car (starting after his truck was destroyed) - this sounds perfectly reasonable to me.

How this will probably work is that he may have to return the shop's loaner (he doesn't really have any right to keep it) and then rent a vehicle on his own until he settles with the shop's insurance company or his own insurance company, depending on which one (or possibly both) is(are) responsible for covering the damage under his comp (comprehensive) coverage (not collision coverage). I bet that the dealer's insurance is on the hook for everything (as mentioned previously).

In the meantime, he should contact his insurance company and find out who they think covers what in a situation like this. And, unfortunately, he may also have to contact a lawyer.

Anyway, not a good situation to be in at all. I hope it all works out well (and quickly) for your friend.
 
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