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

Answers:

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.


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