What Happens If You Wreck a Car on a Test Drive

Test driving a vehicle is an exciting part of the car-buying process. Unfortunately, accidents can happen, even if it's just a test drive. In this detailed guide, we will explore the potential consequences of wrecking a car during a test drive, from insurance coverage to legal implications.

Insurance Coverage

Most dealerships have insurance in place for their vehicles during test drives:

However, this insurance may not cover all damages, especially if the accident is the result of reckless driving. Individuals with personal car insurance should check their policies to see if they can be used to cover damages during a test drive.

Dealership Policies

Each dealership has unique policies regarding accidents during test drives:

These policies can vary widely, so it's crucial to ask about them before taking the vehicle out for a test drive. Understanding these policies can help you avoid misunderstandings and potential conflicts.

Liability

If the accident is deemed your fault, you may be held liable for the damages:

This could involve paying for repairs to the vehicle, as well as any damages caused to other vehicles or property.

Legal Consequences

Even if the wreck involves other parties, you may face legal implications:

This can include potential lawsuits or claims for damages.

Impact on Future Purchases

Wrecking a car during a test drive can have long-term effects:

Your relationship with the dealership might suffer, and you may face limitations in future test drives. Transparency with the dealership can help mitigate these issues, so prompt communication is essential.

Understanding the Test Drive Report

Following a test drive accident, a specific report may be filled out to record the incident. Here's a breakdown of the test drive report:

Collision Circumstances

Should an applicant cause a collision: A black block will be circled under the heading and a cross will be made in the “FAIL” block. The test should be immediately discontinued. If the collision is considered unavoidable: A cross will be made in the white block under the heading. The applicant will be given the option to complete the test if the vehicle is still roadworthy. If the vehicle is unroadworthy or the applicant wishes to defer the test: A cross will be marked in the block specifying this.

Conclusion

In summary, the outcome of a wreck on a test drive depends on various factors, including insurance coverage, dealership policies, and the circumstances of the accident. It's always a good idea to check with the dealership beforehand to understand their specific procedures, especially regarding insurance coverage and driver conduct.