Is There Auto Coverage for Dealer Loaner Autos, Rental Cars, and Test Driving Vehicles?

Consider these four claim scenarios:

A personal lines customer puts his Cadillac in the shop for servicing and gets a loaner Caddy from the dealer which he totals to the tune of a $37,000 physical damage loss. The dealer’s insurer covers the damage above a $500 deductible but wants its money...
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