Do I need car insurance to test drive a car?

Yes, dealers hold "garage policies" that cover test drive liability (as well as many other forms of liability). Specific dealer to dealer insurance requirements of shoppers for test drives depend on the insurance policy of the dealership, which is affected by the state in which the  dealership is operating, and may be affected by the manufacturer. Generally, dealership insurance policies are set up so that your insurance is primary, and the dealer's insurance is secondary. In other words, if you get into an accident that's your fault, you're on the hook, and if your policy gets maxed out, the dealer is usually on the hook regardless of what their release of claims states. However, there's one common exception that comes into play if you don't have insurance. Many dealerships (particularly dealerships that sell non luxury brands) are set up to supplement uninsured motorists for non negligent damages up to state minimum requirements. For example, you're an uninsured motorist, you get into an accident during a test drive that is your fault, there's no negligence involved, you cause $10,000 in damage to the car, and the state minimum in damage coverage per incident is $25,000. In this scenario, many dealers have policies that would cover the cost of repair.

As someone who recently test drove 10+ cars, I can tell you that most of the time the answer is no but you should always, ALWAYS have insurance anyways to protect yourself and your assets.  There were however a few dealerships that at least made me promise I had insurance. If you get in an accident while test driving dealerships would prefer that it becomes your problem, though legally they are protected by their own insurance. As far as specific liability you should ask the dealership as each has a different insurance plan.

I sold cars for 6 years as a salesperson and a manager. We were taught that a customer doesn't need insurance if a dealership employee is in the car with you - you fall under the dealer's insurance. If you want to take a car overnight, you must have full coverage insurance. It's like driving a rental car. It probably varies a bit from state to state, however.

It's better to buy any type of temporary car insurance before test driving.Few of the dealer can not give you car for test drive if you do not have car insurance.Buy before buy any car insurance compare it from https://www.gibl.in/car-insurance/

The only way that you will be able to test drive this car yourself, is for the owner to have any named driver on his http://buycheapcarinsurancequotes2016.com/.Otherwise you will have to let the owner take you out. Or if he knows somewhere that is private ground where you can drive. You can listen to the car while he is driving, and look to see if everything works ok....The only thing to watch for, is that the owner dose not hold the gear lever when changing down the gearbox.... It could be that it jumps out of gear if he does.... A gearbox fault.Listen for whining noises from wheel bearings, gearbox and engine. Do not buy it if it only has a couple of months MOT, unless the owner is prepared to have it re-tested for 12 months... Look along the body work for ripples where it could have possibly been filled following an accident. How many miles on the clock.... If there are more that say 75,000 forget it and look for one with less.Check the identity plates on the the engine, and body. If they seem to have been tampered with, don't buy.One final thing.... Make sure the car belongs to the one that is selling to you, and is it registered in his name... If not, then be aware.For more details visit http://buycheapcarinsurancequotes2016.com/

No. You generally do not need insurance to test drive a car. That is, unless required by the dealership. Important note: Not having insurance does not absolve you from potential responsibility for damages you may cause.Each state has unique provisions and statutes and dealers may have unique procedures and requirements. However, dealerships and individuals (as owners) are primarily responsible for the insurance coverage on their own vehicle(s). That primary responsibility is typically true for both https://www.irmi.com/online/insurance-glossary/terms/a/automobile-liability-insurance.aspxand https://www.irmi.com/online/insurance-glossary/terms/a/automobile-physical-damage-insurance.aspx coverages.Test Driving with a Dealer Owned Vehicle:Licensed dealers carry a type of commercial auto insurance called a https://www.irmi.com/online/insurance-glossary/terms/g/garage-policy.aspx or https://www.irmi.com/online/insurance-glossary/terms/g/garage-liability-insurance.aspx. The coverage afforded under this kind of insurance extends to garage owned autos. Typically those coverages include: Bodily Injury & Property Damage Liability Uninsured Motorist Coverage Personal Injury or Medical Expense Coverage (depending on the jurisdiction) In many cases; Garage Owned Auto Physical Damage If in place, this coverage provides Comprehensive and Collision types of protection to autos the dealer owns. Test Driving an Individually Owned Vehicle:When test driving an individually owned vehicle, if in place, the owner's insurance would also be the primary coverage. Their liability and physical damage coverages would respond first in the event of an accident.Therefore, it is important to ask the vehicle owner if they have appropriate auto insurance in place before a test drive.Can I still be held Liable?Yes. Not carrying your own car insurance does not prevent an insurance company from seeking damages if the test driver is https://www.irmi.com/online/insurance-glossary/terms/n/negligence.aspx for the damages. This process is called https://www.irmi.com/online/insurance-glossary/terms/s/subrogation.aspx.Involved in an accident following a test drive without a personal auto policy in place? It may be in your best interest to contact an attorney with experience in auto claims.What if I have Personal Auto Insurance?:Have your own auto insurance coverage? Your personal auto policy would respond secondarily to the dealer or owner’s insurance. As a named insured, you are afforded Liability and Uninsured Motorist which would include coverage for your legal representation and potentially for damages. Generally, physical damage coverage (chttps://www.irmi.com/online/insurance-glossary/terms/c/comprehensive-auto-coverage.aspxand chttps://www.irmi.com/online/insurance-glossary/terms/c/collision-insurance.aspx) is also extended secondarily for non-owned autos as well. Test driving a vehicle comes with some risk to the driver. If you do not own your own personal auto policy, it is important to make sure that proper coverage is in place on any vehicle you may operate. Test drive or not.Interesting question. Thanks for the A2A.

I visited 4 dealers of multiple makes to test drive used car but they all asked me insurance and didn't let me drive the car. However today only, I visited one more dealer and he didn't ask single question and gave me the keys after checking license. I am in WA state. So right now I am looking to buy some kind of temporary insurance to deal with those dealers.