Test driving a car is a necessary step in the car-buying process. It allows you to assess how the vehicle handles, feels, and fits your needs. But what happens if you crash during a test drive?

Here’s what to know if the unexpected occurs:

Who’s responsible for the damages?

Responsibility for damages during a test drive depends on several factors, including the dealership’s insurance policy, your car insurance, and the circumstances of the accident.

The dealership’s insurance

Most dealerships carry insurance that covers damages to their vehicles during test drives. Typically, their policy is the primary coverage, meaning it takes precedence over the driver’s insurance. However, this coverage may include a deductible, which the dealership could ask the driver to pay if they are deemed at fault. The legality of this request varies by state.

Your auto insurance

If you have your car insurance, it may provide secondary coverage for a test drive accident. This extra safety net means your policy could cover costs that exceed the dealership’s insurance limits or fill gaps in their coverage. Before you take a test drive, check with your insurer to confirm whether your policy extends to vehicles you don’t own.

The third party

If another driver causes the accident, their insurance should cover the damages. Determining fault can take time, though; dealerships may initially request payment from their insurance or the test driver until liability is settled.

What should you do after an accident?

If you crash during a test drive, responsibly handling the situation is important. Follow these steps to ensure the incident is properly resolved:

1. Stay calm
   Pull the car over to a safe location and check for injuries if possible. If anyone is hurt, call 911.
2. Document the accident scene
   Take photos of the vehicle damage, license plates, and road conditions. This imagery can be crucial for insurance claims.
3. Exchange information
   Swap contact and insurance info with the other driver, if applicable. Provide these details to the dealership as well.
4. Contact the police
   Report the accident to law enforcement and obtain a copy of the accident report. Some dealerships may require this documentation for their insurance claims.
5. Inform the dealership
   Most of the time a dealer salesperson or representative will be with you, but if not, notify the dealership immediately about the accident. The dealer will guide you through the next steps, including providing insurance details or paying a deductible.
6. File insurance claims
   Work with your insurance company and the dealership to file any necessary claims. Be prepared to provide all documentation, including photos, the police report, and contact information for involved parties.

How to avoid accidents during a test drive

While accidents are unplanned, taking precautions can reduce your risk.

• Get familiar with the vehicle: Adjust the seat, mirrors, and controls before you start driving
• Drive carefully: Refrain from aggressive maneuvers, stick to the speed limit, and pay attention to road conditions
• Avoid distractions: Focus on the road and refrain from adjusting the car’s settings while in motion
• Choose your route wisely: Avoid busy or hazardous areas whenever possible

Better safe than sorry

Crashing during a test drive is uncommon but stressful. Knowing your responsibilities can help you in the moments after an accident.

Always drive cautiously and focus on safety while test-driving a car. If you’re unsure about the insurance implications, contact your insurer before heading to the dealership to ensure you’re covered.

If you’re ready to test drive your next vehicle, Credit Acceptance works with over 15,000 dealerships nationwide. Start the auto financing pre-qualification process today!