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FAQs About Car Accidents During Test Drives

In most instances, test drives are completed without any problems. There are some unlucky few that get into an accident while testing driving a vehicle. If you were one of those people, you could possibly hold the dealership or the other driver in the accident responsible. Keep reading to learn more.

Who Is Responsible?

The responsible party for the accident depends largely on the circumstances of the accident. If you caused the accident, the dealership might choose to file a claim on its own insurance. However, there is also the possibility that the dealership might file a claim against your insurance.

If your car insurance does not cover accidents that occur during a test drive, you could potentially face a lawsuit. A loss could mean wage garnishment and other actions if you are unable to pay the amount the dealership is awarded.

If another driver was responsible for the accident, you likely can hold him or her responsible. The dealership could choose to step in and cover the damages under its fleet insurance, but you must be prepared if this does not happen.

Your claim for injuries and other damages would be handled the same as it normally would if the dealership declines to file on its own insurance. You will have to file a claim with the other driver's insurance company.

What Should You Do?

Even if you are unclear on who is responsible for the injuries and damages, you need to start collecting evidence. Ideally, you should take pictures with your cell phone at the scene of the accident. The pictures can help with determining the road and weather conditions, the position of each car at the time of the accidents, and if there are any other special factors that need to be considered.

If the accident was reported to the police, you need to obtain a copy of the police report. The report will have information that can potentially help you prove that the other driver was at fault. For instance, if there were witnesses, the report will have their names and contact information.

If the dealership has decided to file a claim with its insurance provider, contact the company and request a copy of the policy. There might a provision or clause that allows you to file on its insurance, too.

Due to the complexity of this type of car accident, consider hiring an auto accident attorney. He or she can review the accident and the insurance policies involved to determine your options.