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A Temporary Substitute Automobile is one that you are using while your vehicle is being repaired or serviced (or when your car has been stolen). The policy of the owner of the vehicle you are driving is primary (that is, it's first in line to respond to claims). Your policy would be called upon to pay only if the other vehicle did not have insurance or if the limits were insufficient to pay a judgment. There is no coverage for damage to the vehicle itself, unless it can be proven that you were legally responsible for the damage.
It is important not to remove insurance coverage from a vehicle that has been destroyed or stolen before it has been replaced by another vehicle. By doing so, you would be eliminating the benefit provided for the temporary substitute vehicle that you may be operating at the time.
Coverage also applies to private passenger vehicles other than those described in the insurance policy when driven by you or your spouse. Your policy will cover Third Party Liability, Accident Benefits, Uninsured Automobile and, in Ontario and Quebec, "Direct Compensation -- Property Damage."
Examples of when this coverage might be triggered if you are in a collision are:
you are driving a rental car on vacation;
you are driving a friend's car at his or her invitation;
you have borrowed a visitor's car for a trip to the store.
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