Car Accident During a Test Drive: Who Is Liable?

Getting into a car accident during a test drive raises complex liability and insurance questions. Whether you were the test driver, a passenger, or hit by someone on a test drive, understanding who is liable and what insurance applies is essential.

Who Is Liable?

If the test driver caused the accident, the dealership's insurance typically covers the damages because the dealership owns the vehicle. If another driver caused the accident, that driver's insurance is responsible. If a vehicle defect caused the accident, the manufacturer may be liable.

Insurance Coverage

Dealerships carry commercial auto insurance that covers test drive accidents. The test driver's personal auto insurance may also provide secondary coverage. The dealership may require you to sign a liability waiver, but these waivers may not be enforceable for negligence claims.

Average Settlement Amounts

Settlement amounts for test drive accidents are similar to other car accidents and depend on injury severity rather than the test drive context.

Conclusion

Test drive accidents are typically covered by the dealership's insurance. Do not let a dealership pressure you into paying out of pocket.

Use our free settlement calculator to estimate what your case might be worth.