DrewE wrote:
A1ARealtorRick wrote:
For them to drive it (even with you in the vehicle) make a copy (or picture) of their driver's license and their proof of insurance, because if something happened while your prospective buyer was driving it, you want HIS insurance to be primary, not yours.
I'm not an insurance agent, but I think as long as it's your vehicle and the other driver is driving it with your permission, your insurance is going to be primary. I cannot see how photographing an insurance card of the driver's for some other vehicle isn't going to matter one bit in the case of a crash; and as a buyer I'd be very put-off if the seller required me to provide them with a binder for a vehicle I hadn't even committed to purchasing or even made an offer on yet.
I haven't read the policy recently, but I think I remember my own car insurance only covers me in another vehicle to the extent that no other policy would be applicable. If I were test driving your RV and you had no insurance, it would appear to cover me in that situation; but if you had insurance, it would not cover whatever your insurance does cover.
Nope, his will be. Been there -- done that.
Yes, having a copy not only assures you he has both a DL and insurance, but contains information you might need in the unlikely event something happened. Again, been there -- done that.
And who said anything about a binder? If you're calling the DL/insurance card thing a binder, you've obviously not test driven anything at a dealership recently. (They won't ask you for an insurance card necessarily, but they WILL ask you to produce a DL, and yes, they'll make a copy of it).