It's important to sign a car contract. Samples are posted on some of the home exchange sites. You should ask the car owners to agree to limit your financial liability to the deductible, know how much the deductible is, make sure they have insurance and with whom, define who can drive the car and see if there are limits on milage or destination. Also important is to know where the insurance and registration documents are and figure out how to swap keys.
After mentioning this to the swappers, they found out that the exchangers were offering a luxury car, which enticed them to agree to use the car. In my case, the first car swap I did was for a late-model super-luxury car. Picking this lovely vehicle up from the airport where the exchangers had left it and driving around in circles in a strange town gave me the first and only migraine of my life!
On the other hand, nothing happened to the car.
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