If someone brings their car in for repair work, i.e. it is off the road comletely for like a week, and they rent a car.

Does your insurance automatically transfer over. Or do you have to be bent over a barrell for rental car insurance?

Your insurance is for your vehicle only. Just like you can't just swap plates between two different vehicles that you own.

“temporary substitute motor vehicle” means

(i) a commercial motor vehicle having a gross vehicle weight of not more

than 5,000 kg, or

(ii) a private passenger motor vehicle temporarily used as a substitute for a motor vehicle described in an owner’s certificate that is broken down, is being repaired or serviced, is lost or destroyed or has been sold, but does not include a motor vehicle owned by or leased to an insured except, in the case of a leased motor vehicle, it may include a motor vehicle owned by a lessor.

I'm thinking that means courtesy car. To swap it to a rental, you'd likely have to fill out additional paperwork.

Liability and 3rd party uninsured are usually extra charges.

I guess I could call ICBC, that might work.

see=sell

im an insurance broker and if u go and get the roadsidde plus package it covers transfreing insurance to your rental car, if u dont have the pkg u can purchanse rental veh coverage for 10 a day at any autoplan broker.

Precisely.

Only applies because it is a temporary non owned substitute vehicle.

So get this.

This hypothetical is an actual situation.

My car was in for repainting. I rented a car, and used the wrong bloody credit card. So I rented the car without insurance as my usual card has insurance coverage.

Anyhoo, I rent the car, a new Fusion with 18kms on the clock. Literally brand new.

I get run off the road by a crazy driver coming in the opposite direction through a yield sign. I swerve to miss him and hit a parker car. The other driver either doesn't see me get into the accident or figures he would take off.

So I am left there with two totaled cars, and what I learn later, NO INSURANCE.

First ICBC person I speak to says I will have no coverage.

Today, officially, ICBC told me I am off the hook completely.

I pay only my deductible. $300.

My insurance does not go up, I pay for neither of the vehicles involved, I don't even pay for the tow of the rental back to the car rental company.

I am scot free. THANK GOD MY CAR WAS IN THE SHOP.

$20K damage to the rental, $3K in damage to the parked car.

I feel like I just won the lottery. I had allocated my xmas bonus to this debacle. Now it can all go to coke and whores, no deviation from the original place that the funds were ear marked.

*wipes brow

As an aside, the car rental place has not billed me for the three days I had the car. And good luck to them, as my Insurance advisor/friend instructed me to cancel the card that I had used for the rental. Or else they would have taken a HUGE hold on my card and billed me for their "loss of use" until if/when ICBC paid them. So I called Amex, told them I lost card, and they are issuing me a new one, with a new CC number. lol

Fvck you rental place!

I swear, this is the luckiest day of my life. I would be on the hook for $30 fricken K !!!!!

good outcome