subject: Advantages Of A Courtesy Car [print this page] Let us start by looking into what a courtesy car really is? A courtesy car is a replacement vehicle which is provided by your insurance company in the case in which your car gets involved in an accident. However, you have to make sure that it is written in your insurance agreement. It is really very troublesome when your car gets involved in an accident and has to be sent away for repairs. It causes trouble and hindrances for your day to day work.
These days, many insurance companies include a courtesy car in their insurance package. You can choose this option if you believe you will need it down the line. Although not everyone would require a replacement, for many people it becomes next to impossible to function without their car. Hitching rides with friends or coworkers is also a temporary solution, one which you cannot keep up for long. So it is always a wise decision to go for the option of a courtesy car.
Although acquiring a courtesy car may seem like an easy option, it is a tad bit complex. For one, its usefulness depends on your car insurance policy. You would also have to go up a step from normal damage or theft coverage and opt for a comprehensive policy. Now whether or not that option is feasible for you is a choice that only you can make. So think long and hard about it.
Different insurance coverage packages are available for different prices. It is a very smart idea to go through the agreement fully and check the fine print so you are not misled in any way. There are conditions levied upon the use of a courtesy car so look into those too. For one, many companies only provide you with a replacement if they have one available at that time. Otherwise, you would have to manage by yourself. The time period for this varies. Some companies have a specific limit as to when you will get a car, while for others you may be left without a car for weeks or even months. So read the fine print very carefully.
Some packages even specify the type of vehicle you may get. For example, some companies provide you with a replacement with a similar body or engine type. So if you have to send your mini-van for repairs, you will get a mini-van as a replacement till it comes back. This can be very convenient especially if your car is being used for a specific purpose. You will be able to get a replacement courtesy car once you have made a claim and it has been deemed valid by the insurance company. So do look into what your insurance company and its policies have to offer at the time of making the agreement. It may not seem like a big deal at that time, but trust me; a courtesy car will help you out in your rainy days.
