[lbls1]

Wow that is bad luck. I'm not sure whether this is common among dealers, in that if the dealer didn't offer an option for the customer to purchase insurance for the loaner, that any damage to the car would go against the customer's insurance policy.

This is a case of bad luck and natural occurrences, so it shouldn't be deemed as poor judgment on the customer's part. Its an act of God, and unfortunately damage occurred as a result.

Edit: Nice going on the result. Its better to own up after an accident or incident. It will be a better reflection of you and you may fare better.