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One thing most auto buyers do before purchasing a car is test it out on the road. You need to find out how it handles, how it sounds, and how it feels while you’re driving. However, this raises the question — are you covered by car insurance while you're test driving the vehicle? If so, whose policy? Here’s a brief guide to resolve any lingering questions. 

When You Test Drive a Dealership's Car

Car dealerships are required by law to maintain car insurance to cover any potential incidents. Thus, if you test drive a dealership vehicle, you can normally count on them having a policy that covers any accidents that might occur while you're behind the wheel. Auto coverage follows the vehicle rather than the driver.

However, if you behave irresponsibly or recklessly while driving their vehicle, the dealership may come after you legally to recover any deductible amount they must pay on the claim, or to avoid filing a claim in the first place. In such cases, having your own auto insurance policy could prevent you from having to pay out-of-pocket.

When You Test Drive a Private Party's Car

car insuranceThere is less certainty when you test drive a car for sale by a private seller. The vehicle may or may not be properly insured. Therefore, it’s wise to have the owner type or handwrite a short affidavit asserting that you have permission to drive the car and that it’s in compliance with any state car insurance requirements. This should protect you from any citations for improper use of an uninsured vehicle if you’re stopped by a patrol officer during the test drive.

Often, a better solution is to simply ask the owner to accompany you on the drive. Again, it's important that you drive responsibly and within the speed limit while testing someone else's car.

    

If you're in the market for a new vehicle, contact a car insurance broker to find out how much it will cost for coverage before you sign the final documents. The experts at Zimmerman Insurance Agency in High Point, NC, are here to help. They’ve been serving drivers throughout Guilford County and the rest of the Triad area since 1963. They also specialize in motorcycle, boat, business, and homeowners insurance, making them a one-stop solution for all your coverage needs. Visit their website to view a map and address or call (336) 883-6512 to request a car insurance quote today.

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