According to Joyce J. Sweinberg, a car accident lawyer via Avvo, allowing someone to drive your car, even on a test drive, in most cases means that your insurance company covers them. As a result, if someone gets into an accident during a test drive, your insurance company will have to pay for the damage.
Who is responsible for damage during test drive?
Dealership Insurance No matter who is liable for the accident, fleet insurance normally includes the damages and injuries suffered from an accident during a test drive. If the test driver is a minor, the dealership has been known to recover the costs through their own insurance to help keep the test drivers business.
What happens if you damage a car on a test drive UK?
Its unlikely youll have an accident on a test drive, but with third-party insurance, you may end up with the bill for any damage to the sellers car. A phone call to your insurance company before going out to test drive privately is usually a good idea.
Who pays if you crash during a test drive?
Normally, the dealership will be responsible for paying for any test drive crashes and will do so through its own insurer. However, if the test drive accident was your fault, the dealership may attempt to collect reimbursement from you.
Does a car have to be taxed for a test drive?
What about tax when test driving a car? In order not to expose yourself to the chance of a fine, the vehicle youre test driving must be taxed. If its a used vehicle youre buying privately and its taxed in the owners name, thats fine as long as youre insured for it.
Can I test drive cars for fun?
Can I Test Drive Cars for Fun? You can test drive cars for fun and take them out for a joyride. But you will have to tell the salesman that you want to test drive alone. If the dealership approves your request, you can drive the car for fun.
Do you need insurance to trade in a car?
Although some dealerships may allow you to trade in your vehicle, if it is uninsured, they will usually require you to pay to have it towed to avoid any uninsured damages.
Do I have to cancel insurance if I sell car?
Your existing car insurance When youre selling your car, you dont have to cancel your car insurance and start again. In most cases, if you change your car part way through your insurance term, your insurer will transfer the policy to the new car and issue a new certificate of insurance.
How long is a good test drive?
Take time to think Expect the test drive to last between 15 and 30 minutes, including the salespersons time behind the wheel. Be prepared for the salesperson to ask if youre ready to buy when you return to the dealership after the test drive.
How long should you spend on a test drive?
Test drive length top tips Your test drive is most likely to be between 15 and 30 minutes but dont be afraid to ask for longer if you feel you need it. Some dealers offer special extended test drives of 24 or 48 hours from time to time. Even 7-day test drives are not unheard of.