Old-Biscuit wrote:
DrewE wrote:
Motor vehicle insurance policies include coverage for non-listed incidental drivers who are driving with the owner's permission. If you let a potential buyer to drive the vehicle, and you have insurance coverage, and the potential buyer is not explicitly listed as an excluded driver, then your insurance policy will usually cover them during the process. Of course, it's best to verify the details of your policy.
(This also applies to situations like sharing driving when traveling together with someone on a road trip or loaning a vehicle to a friend visiting for a few days.)
test drivers Insurance may cover damages...........to other property/vehicle but NOT the vehicle being driven.
Really depends on what coverage/policy one has.
Asking for/seeing/making a copy of test drivers Insurance is a good idea BUT it proves nothing.
I think you may have misunderstood what I wrote (and maybe I wasn't very clear)—the insurance that covers the vehicle in a test drive situation is the normal insurance on the vehicle—the seller's policy—and not whatever policy the potential buyer may or may not have. If you're selling and you have collision coverage, that generally would apply to a test drive just as it would if you were yourself driving. If you don't have collision coverage but liability only, then of course you don't gain additional coverage during a test drive.
I certainly don't want to claim that all policies work this way, but—as I understand things—this is the most common situation.
