Here is my question, do any of you have any insight about this? I stopped by my insurance agents shop today but he was not in. The lady who works there has the opinion that my insurance is not any good on a vehicle I do not own. This would mean I would be personally liable for any damage and my insurance would not have to pay at all. I have test driven many cars over the decades and this is the first time such a thing has come up.
I always thought the dealerships had some sort of insurance on the cars on their lot to cover the test drives, but now that assumption is not so certain. I was told one of the employees could drive me around on the highway and be covered. I said no thanks to that.
Should this prove to be a common practice it makes the act of taking a test drive a potentially expensive activity. We could be on the hook for expensive repairs on a car we do not own.
This was a new car at a major brand dealership if that information is of use.
