[serf]

>Why would you expect that from Tesla?

because literally every manufacturer that sells cars that are more expensive than economy sector vehicles offers loaners at their dealerships fairly casually (in the US).

Granted, it's usually a function of the individual dealership, but it's extraordinarily common.

>Its part of every decent insurance in Europe.

it's a common coverage in the US, too. What's uncommon is involving insurance for warranty work. It'd be more common if the repair work triggered some kind of extended insurance contract from a third party.