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Test drive crash? Whose insurance pays first
A short explainer on whose insurance pays after an accident during a dealership test drive, how state laws change the order, and what to ask first.
This short video is a summary of our explainer Accident During a Test Drive: Whose Insurance Pays First?, which covers the details, the steps to take, and how auto insurance typically handles it.
Transcript
Crashed during a test drive? Whose insurance pays? In many states, insurance follows the car, so the dealer's policy usually pays first. Your own policy may step in as backup. But some states flip the order. Georgia makes the test driver's coverage primary. Before you drive, ask the dealer about its coverage and carry your insurance card. Know your coverage before you take the keys. Compare free quotes at autoinsurancebundle.pro.
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Important: This video is general information, not legal, tax, or insurance advice, and coverage rules vary by state, insurer, and policy. AutoInsuranceBundle.pro is a free, independent insurance comparison and referral service. We are not an insurance company, we do not issue policies, and we do not provide insurance advice. Calls to the number on this site are routed to licensed insurance agents or agencies in our partner network, who may receive compensation. Calling is completely voluntary and there is no obligation to buy. Rates, discounts, and availability vary by carrier, state, and individual eligibility; not all carriers, products, or discounts are available in all states. Calls may be recorded for quality and compliance purposes.