Canopy Connect Insurance Verification for Loaners

Stop Handing Keys to Uninsured Customers

The Risk Is Real

1 in 3 U.S. drivers is either uninsured or underinsured — a figure that has grown by 10 percentage points since 2017 according to the Insurance Research Council. In some states, the uninsured rate alone exceeds 24%. The customer dropping off their vehicle for a routine service appointment may have no coverage at all, or liability limits so low they offer little real protection.

When that customer drives off your lot in a courtesy vehicle and gets into an accident, the exposure lands on your dealership

What Happens When It Goes Wrong

Uninsured incidents mean direct losses. When a customer with no coverage wrecks or steals a courtesy vehicle, your garage policy absorbs it. Industry data puts the average loss per stolen unit at approximately $9,000 — before third-party injury claims, loss-of-use costs, or legal fees.

Underinsured drivers create subrogation delays. When a customer carries only minimum statutory limits, your insurer must pursue subrogation to recover what's owed from the at-fault party's carrier. That process can stretch from months to years when fault is disputed, injuries are ongoing, or the customer's assets can't cover the gap. In some cases, your insurer absorbs the shortfall entirely.

Documentation protects your Graves Amendment standing. The federal Graves Amendment shields dealers from vicarious liability when a loaner is treated as a formal rental transaction. Courts have found that protection can disappear when no proper agreement exists. Verification creates a documented record that your dealership exercised due diligence before handing over the keys.

How Canopy Connect Works

The service advisor sends a secure sharing link to the customer via text or email — no app required. The customer logs in to their insurance carrier and shares their live, carrier-verified policy data directly with your dealership. Policy Check instantly flags whether the customer's coverage meets your requirements. The full policy record is stored before the loaner agreement is signed.

The entire process takes under 30 seconds for the customer. Your service lane keeps moving.

What You Get with Every Verification

• Active policy status — confirm coverage is current and hasn't lapsed Liability coverage limits — see exactly what the customer carries
• Named drivers and vehicles — confirm the purchased vehicle is properly covered Lienholder information — verify the lender is correctly listed on the policy
• Declaration page — a carrier-verified copy, not a screenshot that could be altered Policy Check — an automated pass/fail against your dealership's minimum requirements
• Policy update capability — add vehicles, drivers, and lienholders on the spot
• Stored record — complete documentation on file for every deal

Built for the Service Lane

No dedicated hardware, no complex integrations, and no burden on advisors to interpret policy documents. The platform does the analysis; your team sees the result.For departments issuing dozens of loaners per week, the exposure adds up fast. Canopy Connect closes the gap before it becomes a claim.