Ford Service Department Loaner Car

[37ford]

I dropped off our 2019 Expedition Monday to get the can phasers sorted out under my ESP. I expected to be offered a loaner, but all they offered was a ride to Enterprise, since I didn't buy the car there. My cousin is a mechanic there, so I decided to play that card. He comes in, and they immediately get me a loaner.

I thought they would give me a small sedan with 20k miles, but they bring around an F150 with 600 miles on it. The guy took my insurance info, and told me that, if there was any damage to the windshield, I would be responsible for it. I actually hesitated and said, "Maybe I should walk home." Since I was 40 miles from home, I was kind of in a bind.

I get in the truck yesterday afternoon, and there is a 4" long crack in the windshield. UGH. I still can't believe it. I have 3 cars with over 100k miles, and they all have original windshields. I don't really know how to handle it other than having to file a claim and pay a $500 deductable.

 

[5280tunage]

Stinks! depending on the package the vehicle has, the dealer can replace it for not much more than $500, would probably just pay it instead a of a claim.

I'm in the same boat, have an F150 loaner and i'm nervous about driving it. if it were mine and I got a chip or small crack, I wouldn't worry about it right away, but with a loaner you'll have to get it fixed right away.

Just like rentals, make sure you document and do a full walk around. The F150 they just gave me has 200miles on it, but i found some nasty damage between the bed and the cab, not sure how it got there but had them photograph it too.

 

[VCFP153]

Have you tried crying?

 

[37ford]

Have you tried crying?

It’s still an option. That and slipping the guy a $20.

 

[SyndicateZ]

and told me that, if there was any damage to the windshield, I would be responsible for it

Wait, was there already a crack in the windshield before u took it? weird that he would say that and then it literally happens lol sorry man

 

[5280tunage]

thinking the same thing as @SyndicateZ I've had many loaners unfortunately and not once have they pointed out the windshield, they always just say i'm responsible for damage.

 

[JamaicaJoe]

Very weird deal, why would they mention the windshield unless they saw it cracking beforehand. Do they have that liability in writing??

Pay them for the windshield and as you leave the parking lot smash the taillights.

 

[Bmac1955]

Seems peculiar that they would specifically mention the windshield. I would be very suspicious having them make that point as a matter of fact.

 

[LegalBrief]

I dropped off our 2019 Expedition Monday to get the can phasers sorted out under my ESP. I expected to be offered a loaner, but all they offered was a ride to Enterprise, since I didn't buy the car there. My cousin is a mechanic there, so I decided to play that card. He comes in, and they immediately get me a loaner.

I thought they would give me a small sedan with 20k miles, but they bring around an F150 with 600 miles on it. The guy took my insurance info, and told me that, if there was any damage to the windshield, I would be responsible for it. I actually hesitated and said, "Maybe I should walk home." Since I was 40 miles from home, I was kind of in a bind.

I get in the truck yesterday afternoon, and there is a 4" long crack in the windshield. UGH. I still can't believe it. I have 3 cars with over 100k miles, and they all have original windshields. I don't really know how to handle it other than having to file a claim and pay a $500 deductable.

ESP provides for a rental car NOT a loaner. Had you taken an Enterprise your cc (rental coverage) would have taken care of the windshield.

 

[GixxerJasen]

Just a couple of things to stash away in the back of your head. Always make sure to read the fine print. Here's a few passages from my cc benefits guide regarding rental car coverage.

Vehicles not covered
Certain vehicles are not covered by this benefit. They consist of: expensive,
exotic and antique cars; cargo vans; certain vans; vehicles with an open cargo
bed; trucks; motorcycles; mopeds; motorbikes; limousines; and recreational
vehicles

Yep, any trucks. Friend of mine was renting a car and they were all out of the car class he'd opted for and the rental car offered him a Toyota Tacoma which he accepted not realizing that it would be excluded from his cc insurance. He ended up on the hook for the damages he incurred.

Auto Rental Collision Damage Waiver reimburses You for damages caused by
theft or collision

They'll do whatever they can to keep from paying out. I dealt with this recently with a flat tire. Wasn't caused by an accident or theft, so they denied my claim and I was on the hook for all costs involved including replacement of the tire and the tow, because the rental company didn't provide a spare.

Long story short, pay the rental company the absurd amount of money for their insurance, that way you can hand them the keys and walk away.

 

[jjscsix]

Just a couple of things to stash away in the back of your head. Always make sure to read the fine print. Here's a few passages from my cc benefits guide regarding rental car coverage.


Yep, any trucks. Friend of mine was renting a car and they were all out of the car class he'd opted for and the rental car offered him a Toyota Tacoma which he accepted not realizing that it would be excluded from his cc insurance. He ended up on the hook for the damages he incurred.


They'll do whatever they can to keep from paying out. I dealt with this recently with a flat tire. Wasn't caused by an accident or theft, so they denied my claim and I was on the hook for all costs involved including replacement of the tire and the tow, because the rental company didn't provide a spare.

Long story short, pay the rental company the absurd amount of money for their insurance, that way you can hand them the keys and walk away.

Can you clarify….a loaner car is not a rental car and I have never been offered a policy by a dealer covering a loaner vehicle. But I do know that the dealer requests a copy of our proof of insurance.

 

[GixxerJasen]

Can you clarify….a loaner car is not a rental car and I have never been offered a policy by a dealer covering a loaner vehicle. But I do know that the dealer requests a copy of our proof of insurance.

Read the post right before mine, where they referred to a rental car and credit card coverage. Just providing information that credit card insurance doesn't cover everything you think it might.

Also, OP clearly stated that they'd have had to go to Enterprise if someone didn't step in and get them a loaner.

 

[Yupster Dog]

It’s still an option. That and slipping the guy a $20.

How about calling your insurance agent (not filing claim) to see what they might be able to do for you.
I had a loaner and it got hit in a parking lot. and had no clue who did it. Did damage to the front passengers fender, and the passenger side headlight was destroyed.
The dealer said I was responsible so I called my insurance agent.

They immediately took over and told the dealer I was not responsible.
Told me not to worry about it and if the dealer contacted me again about it I was to call them.
So the insurance never paid and I never heard another word.
I never had to file a claim or hurt my standings.

 

[99WhiteC5Coupe]

Can you clarify….a loaner car is not a rental car and I have never been offered a policy by a dealer covering a loaner vehicle. But I do know that the dealer requests a copy of our proof of insurance.

Some dealers maintain a fleet of vehicles they use as a loaner OR a rental. If the customer has a Ford ESP, the dealer can provide the loaner, and bill the Ford ESP for the rental limit. The service manage can authorize loaning a vehicle to a service customer - but the customer’s vehicle insurance is used to cover it.

Twice, my Expedition was at the Ford dealer, waiting for repairs under terms of my Ford ESP (transmission and steering rack). The parts were backordered and took three months each time.

Although my plan has a limit on the number of days it will pay for a rental, the dealer allowed me to keep their rental / loaner for the three months they were waiting on parts from Ford.

I suspect (but don’t know) that Ford may have paid in part or full for the dealer rental, due to the back-ordered parts.

I was provided an Ecosport that reeked of smoke and had the stop-start system that shook the whole vehicle, and the other time I was provided a Fusion.

 

[JamaicaJoe]

I rented a car during / coinciding with, a big tennis tournament week in Miami. I returned the car to the airport parking structure and as I parked I see the rental agent with a camera leave his post, well over 100 feet away and rush to my rental car. He focused on the drivers mirror housing which had a 1 inch square white paint and concrete transfer (likely from the very structure it was being stored) as if someone had folded the mirror and squeezed it into a spot as they often do. I knew I had not hit the mirror on anything. So he starts taking pictures of this and talking about the damages being charged on my account. I told the guy right then and there that I would be protesting that charge as it was bogus and he was making it up. I did not get charged. I am pretty sure they were taking advantage of the many wealthy and probably drunk patrons renting that week.

 

[jjscsix]

Read the post right before mine, where they referred to a rental car and credit card coverage. Just providing information that credit card insurance doesn't cover everything you think it might.

Also, OP clearly stated that they'd have had to go to Enterprise if someone didn't step in and get them a loaner.

Okay, i missed the credit card part. Thank you!

 

[VCFP153]

I dropped off our 2019 Expedition Monday to get the can phasers sorted out under my ESP. I expected to be offered a loaner, but all they offered was a ride to Enterprise, since I didn't buy the car there. My cousin is a mechanic there, so I decided to play that card. He comes in, and they immediately get me a loaner.

I thought they would give me a small sedan with 20k miles, but they bring around an F150 with 600 miles on it. The guy took my insurance info, and told me that, if there was any damage to the windshield, I would be responsible for it. I actually hesitated and said, "Maybe I should walk home." Since I was 40 miles from home, I was kind of in a bind.

I get in the truck yesterday afternoon, and there is a 4" long crack in the windshield. UGH. I still can't believe it. I have 3 cars with over 100k miles, and they all have original windshields. I don't really know how to handle it other than having to file a claim and pay a $500 deductable.

Serious question: In Florida, glass coverage has no deductible. Is that not the case in Mississippi?

 

[Yupster Dog]

Serious question: In Florida, glass coverage has no deductible. Is that not the case in Mississippi?

Serious Answer: Whoever is in Mississippi should call their insurance agent for clarification.

 

[LegalBrief]

Just a couple of things to stash away in the back of your head. Always make sure to read the fine print. Here's a few passages from my cc benefits guide regarding rental car coverage.


Yep, any trucks. Friend of mine was renting a car and they were all out of the car class he'd opted for and the rental car offered him a Toyota Tacoma which he accepted not realizing that it would be excluded from his cc insurance. He ended up on the hook for the damages he incurred.


They'll do whatever they can to keep from paying out. I dealt with this recently with a flat tire. Wasn't caused by an accident or theft, so they denied my claim and I was on the hook for all costs involved including replacement of the tire and the tow, because the rental company didn't provide a spare.

Long story short, pay the rental company the absurd amount of money for their insurance, that way you can hand them the keys and walk away.

When they exclude trucks I think they mean semi trucks, not passenger trucks, but it’s a big ambiguity for sure.

 

[VCFP153]

Serious Answer: Whoever is in Mississippi should call their insurance agent for clarification.

Indeed. There is also another option (hear me out): one could theoretically even read their policy declaration page.