Who’s insurance pays for an auto accident in a test drive?

Took a vehicle home that I did not own/sign for yet, but it was placed on my insurance with a temporary insurance card faxed to the dealership. The plan was to sign for the vehicle the next day. While driving to sign for the vehicle, I was involved in an auto accident (no injuries) that was not my fault. Who’s insurance covers this, the dealership or mine? I do not own this vehicle, but it was placed on my insurance.

Asked on June 7, 2012 under Accident Law, New Jersey


FreeAdvice Contributing Attorney / FreeAdvice Contributing Attorney

Answered 8 years ago | Contributor

From what you have written, there are three potential policies of insurance that could be involved with respect to the accident that you were in as follows:

1. yours;

2. the dealership's;

3. presumably the policy of the other car.

As to whose policy is primary with respect to the accident and paying for the damages, that decision be the person's who caused the accident and is who liable for the damages.

IMPORTANT NOTICE: The Answer(s) provided above are for general information only. The attorney providing the answer was not serving as the attorney for the person submitting the question or in any attorney-client relationship with such person. Laws may vary from state to state, and sometimes change. Tiny variations in the facts, or a fact not set forth in a question, often can change a legal outcome or an attorney's conclusion. Although AttorneyPages.com has verified the attorney was admitted to practice law in at least one jurisdiction, he or she may not be authorized to practice law in the jurisdiction referred to in the question, nor is he or she necessarily experienced in the area of the law involved. Unlike the information in the Answer(s) above, upon which you should NOT rely, for personal advice you can rely upon we suggest you retain an attorney to represent you.