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im pretty sure the rules are independent.
the dealerships pay for the cars and own them outright.....most are VERY anal about who they give cars to. they will only give cars to their own customers. If its something small like an oil change, they wont give you anything.
one of my old Jag dealerships didnt have any loaners, but would reimburse me to pay for a loaner car.
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2015i Cadillac Escalade ESV
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