I put this up in Tech' Only.....but if your like me, I don't always look in that forum. so , here it is...........


"What's the liability of having a loaner for my customers to use.?

Would like to have a loaner, as I am way out of the way for most of my customer base. I usually run them home when transport just not availabe.
There's no local taxi service here.
However...the liabilities involved need debating.

Owner operator.......seems I might have to incorperate."



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[http://languageandgrammar.com/2008/01/14/youve-got-problems-not-issues/ ]

"A liberal is someone who feels they owe a great debt to their fellow man, which debt he proposes to pay off with your money."

Check with your insurance agent about your state laws concerning what insurance would be "primary" in the event of a claim. Out here, the laws are set up so that the customer's insurance is primary, then the shop's policy. I recall a recent case where there were 3 policies in play when a customer hit a pedestrian (out of crosswalk, dressed all in black, before dawn) driving a shop's loaner. It turned out that the customer's car in the shop was insured for up to $100K BI, he had an "umbrella" policy with his homeowners carrier for $1M and the shop was covered with a $1M policy, so there was $2.1M in coverage, but the primary control of the action was with the carrier that had the smallest exposure.