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If I’m involved in a wreck while test driving a car, will my insurance cover the damage?

I was test driving a car from a private seller in a mall parking lot and rear ended another car. Will my insurance pay for the damage to the vehicle I hit and the one I was driving? My policy is liability only and I’m afraid it may not cover the car I hit.

Agent Answer

Neil Richardson
When test driving a car from a private seller, the liability portion of your policy is what pays for damage you cause to someone else while driving so the fact that you don’t have collision coverage won’t keep the vehicle you hit from being repaired. As for the vehicle you were actually driving, you may have to file a claim with the car owner’s insurance company since your policy does not include collision. I would recommend contacting your insurance company first so they can direct you on how to move forward.

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