What to do if I had accident during test drive but my current insurance doesn’t have collision coverage and so they will not cover the car?

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What to do if I had accident during test drive but my current insurance doesn’t have collision coverage and so they will not cover the car?

What should I do if the dealer sends the bill to me? The dealer’s employee was in the car during the incident. No other party is involved.

Asked on June 22, 2015 under Accident Law, Iowa

Answers:

SJZ, Member, New York Bar / FreeAdvice Contributing Attorney

Answered 6 years ago | Contributor

The fact that the dealer's employee was in the car is irrelevant, unless he interfered with your driving and caused the accident somehow (e.g. jerked the steering wheel). Otherwise, IF you were at fault (e.g. driving carelessly) in causing the accident, you would be liable, or financially responsible, for any damages or costs. If you were liable and didn't have any applicable insurance (i.e. collision), you'd have to pay the costs out of pocket. If you were not at fault, you would not be liable, but in a one-car accident (no other party involved), it is most likely thet case that you were at fault (since one car accidents tend not to happen without careless driving) and would therefore be liable for the accident.


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