If I totaled a dealer’s car on a test drive and it was my fault, will my insurance pay?
Get Legal Help Today
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
If I totaled a dealer’s car on a test drive and it was my fault, will my insurance pay?
Asked on June 22, 2015 under Accident Law, Connecticut
Answers:
M.D., Member, California and New York Bar / FreeAdvice Contributing Attorney
Answered 9 years ago | Contributor
Coverage usually goes with the vehicle. So, the liability insurance belonging to the car owner�is liable for paying the claim. In fact,�auto dealer's�carry what is known as a “garage policy” to cover this very occurrance.
However, that doesn't mean you (or your insurer) won't�ultimately bear�the cost. Many times a dealer will require�that a potential customer�sign a waiver before letting�them test drive�a car.
Laws�vary from state-to-state but when allowed, the waiver asks�the driver�to agree that their insurance will be the�"primary."�Accordingly, if�an accident happens their insurance pays first up to coverage limits, then the dealer's insurance kicks in.
Whether or not your insurance will cover your part of the claim depends on your coverage.
�
IMPORTANT NOTICE: The Answer(s) provided above are for general information only. The attorney providing the answer was not serving as the attorney for the person submitting the question or in any attorney-client relationship with such person. Laws may vary from state to state, and sometimes change. Tiny variations in the facts, or a fact not set forth in a question, often can change a legal outcome or an attorney's conclusion. Although AttorneyPages.com has verified the attorney was admitted to practice law in at least one jurisdiction, he or she may not be authorized to practice law in the jurisdiction referred to in the question, nor is he or she necessarily experienced in the area of the law involved. Unlike the information in the Answer(s) above, upon which you should NOT rely, for personal advice you can rely upon we suggest you retain an attorney to represent you.