# Do Body Shops Give Loaner Cars? | DG Collision > Most shops don't — DG keeps a 50+ loaner fleet, free for the length of the repair: insurer-billed when your policy has rental coverage, still free when it doesn't. - Canonical page: https://dgcollision.com/answers/do-body-shops-give-loaner-cars/ - This file: Markdown twin of the page above (clean text for AI assistants and crawlers) - Business: DG Collision Center, 693 Metro Park Cir #20, Lewisville, TX 75057 — (972) 219-0864 (text: 817-907-2822) — since 1978 - Hours: Mon–Fri 8:30am–5:30pm, Sat 10am–1pm, closed Sunday · 24/7 towing · 4.9/5 on 500+ Google reviews - Full site index for assistants: https://dgcollision.com/llms.txt - Last generated: 2026-08-14 --- # DO BODY SHOPS GIVE LOANER CARS? Quick Answer Most don’t — loaner fleets are expensive to keep, so the industry default is “ask your insurance about a rental.” DG runs its own fleet of 50+ loaner vehicles, free to customers for the length of the repair. The billing works like this: when your policy includes rental coverage, we bill your insurer for the loaner; when it doesn’t, you still pay nothing. And unlike rental coverage — which meters out in dollars per day and cuts off at a cap — the loaner isn’t on a clock: it goes back when your car is done, not when a coverage limit says so. By [Shah Jiwani](https://dgcollision.com/about/shah-jiwani/) · Owner, DG Collision Center Updated September 23, 2026 4 min read I-CAR Gold Class · PPG Certified The Longer Answer ## THE QUESTION THAT DECIDES WHETHER A REPAIR WRECKS YOUR MONTH Collision repair has a transportation problem nobody prices in: the average repair takes days to weeks, and most households can’t park a driver for that long. The industry’s three answers, honestly ranked: rental coverage on your own policy (solid, but metered — a daily dollar cap and a total cap, and slow repairs can outrun it); a rental billed to the at-fault driver’s insurer when the crash wasn’t your fault (legitimate, covered in our [rental-car guide](https://dgcollision.com/guides/rental-car-after-accident/), but it lives at the other adjuster’s pace); and a shop loaner — the rarest, because a fleet big enough to actually deliver on the promise costs what a small dealership costs. Our answer to that math has been to just keep the fleet: 50+ vehicles, maintained in-house, free to customers while we have their car. The billing mechanics, stated plainly because this is where other shops’ “free” gets slippery: when your policy carries rental reimbursement, we bill your insurer for the loaner — that’s what the coverage is for — and when your policy doesn’t, you still pay nothing. No deposit walking in, no per-day anxiety, no watching a coverage meter while parts ship. That last part matters more than people expect: rental coverage commonly caps around 30 days, and a repair waiting on a back-ordered quarter panel doesn’t care about day 31. A loaner tied to the repair instead of a policy limit removes the ugliest pressure in collision work — the temptation to rush a repair because the transportation money ran out. Two honest caveats. First, 50+ vehicles is a lot and hail season is bigger: after a major storm the fleet can run dry, and when it does we say so and help line up a partner rental or a short waitlist rather than promising a car we don’t have. Second, a loaner is a tool for customers, not a product — it comes with a repair, and the paperwork at drop-off is short. If a loaner is the thing standing between you and finally fixing the damage you’ve been driving around with, [start with the estimate](https://dgcollision.com/free-estimate/) and tell us you’ll need a car; we’ll plan the swap into the schedule from day one. Related Questions ## ASKED ALONGSIDE THIS ONE Is the loaner really free if I don’t have rental coverage? + A: Yes — the two cases are stated side by side on purpose: with rental coverage on your policy, we bill your insurer; without it, you still pay nothing. Either way nothing comes out of your pocket, and the loaner runs for the length of the repair, not a coverage window. Should I use my rental coverage or the shop loaner? + A: Take the loaner and let the coverage question sort itself — when your policy includes rental reimbursement, that coverage is exactly what we bill for the loaner, and when it doesn’t, the loaner costs you nothing anyway. The practical win is the same in both cases: no daily cap ticking against your repair timeline. What if the accident wasn’t my fault — who pays for my transportation? + A: The at-fault driver’s liability coverage owes for your loss of use, typically as a rental billed to their insurer — Texas case law even supports loss-of-use recovery when you never rent at all. The mechanics, timelines and leverage are laid out in [the rental-car guide](https://dgcollision.com/guides/rental-car-after-accident/); a loaner can bridge the gap while their adjuster catches up. Do dealership body shops give loaners too? + A: Some do, usually tied to the brand and often limited to warranty or service customers rather than collision work — ask the specific shop what qualifies. It’s a fair question to put to every shop on your list, right next to warranty terms and teardown practice; the answers separate shops fast. Go Deeper [Rental cars after an accident](https://dgcollision.com/guides/rental-car-after-accident/) · [How long repairs take](https://dgcollision.com/guides/how-long-does-collision-repair-take/) · [Start with the estimate](https://dgcollision.com/free-estimate/)