Taking a car for a test drive is supposed to be low-risk—just a short spin to see how it handles. But what happens if that quick drive ends in a crash? If you’re involved in an accident while test driving a vehicle, things can get complicated fast. Whose insurance pays for the damages? Does your car accident insurance coverage still apply? The answer depends on several key factors, including who was at fault, where the accident happened, and what type of insurance coverage is in place.
Whether you’re test driving at a dealership or through a private seller, accidents happen—and they raise real questions about liability and legal protection. In this blog, we’ll explore how coverage works, what to expect, and what steps to take if the unexpected occurs behind the wheel. You may have more protection than you think.
Who’s Typically Responsible During a Test Drive?
In most cases, responsibility for an accident during a test drive can fall on the driver (you), the dealership, or another driver involved in the crash. It’s not a one-size-fits-all answer. That's why it's important to understand the roles of each party.
Determining fault and coverage requires a close look at the insurance policies involved and the specifics of the crash. Even if you assume the dealership will cover everything, that’s not always the case.
1. The Dealership
Most dealerships carry their own commercial insurance policies, which typically cover their vehicles during test drives. These policies often act as primary coverage in case of damage or liability. However, not all dealerships are the same—some may have limitations that shift responsibility back to the driver.
2. The Driver (You)
If you were at fault for the accident—such as by driving recklessly or violating traffic laws—your personal car insurance may offer coverage, depending on your policy.
3. The Other Driver
If another vehicle caused the accident, their liability insurance may be responsible for the damage. In that case, a standard car accident claim would be filed just like any other crash.
Does Your Personal Car Insurance Cover Test Drives?
It might. If you have an active auto policy, it could extend coverage when driving a dealer’s vehicle with permission. While coverage often follows the car, your personal insurance may still apply—especially if the dealership’s policy doesn’t cover all damages or if multiple drivers are involved.
But There’s a Catch:
- Your policy may only apply as secondary coverage, after the dealer’s policy
- You might still be responsible for your deductible
- Coverage can vary by state and by insurer
- Not all policies include permissive use—some require an endorsement
- Driving under the influence or reckless behavior can void coverage
What Happens If You’re Injured During a Test Drive?
If you suffer injuries while test driving a vehicle, you may be entitled to compensation—especially if someone else caused the accident. You can file a personal injury claim just as you would in any standard car accident, and pursue damages for medical bills, lost wages, and pain and suffering.
Depending on the severity of the crash, you may also be entitled to compensation under the dealership’s liability coverage or your own medical payments policy (MedPay or PIP). If your injuries were caused by mechanical failure or a dealership’s negligence, you may even have grounds for a product liability or premises liability claim.
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Steps to Take Immediately After a Test Drive Crash
Whether you’re at fault or not, protecting your rights starts at the scene. Taking these steps can help preserve evidence and strengthen your car accident claim:
- Call the police and report the accident
- Exchange insurance and contact information with all parties
- Take photos of the scene, vehicles, and any injuries
- Ask the dealership for a copy of their insurance policy
- Seek immediate medical attention—even for minor injuries
- Notify your insurance provider
What If You're Found Partially at Fault in a Test Drive Accident?
Under Pennsylvania’s comparative negligence laws, more than one party can share responsibility for a car accident—including during a test drive. If you're found 50% or less at fault, you may still recover damages (if applicable), but your percentage of fault can reduce the amount. On the flip side, if you are found to be 51% or more liable for the accident, you will not be able to pursue compensation for your injuries.
Because these cases often involve multiple layers of insurance—yours, the dealership’s, and possibly another driver’s—it’s critical to have a personal injury attorney who understands how Pennsylvania’s fault laws apply. If you’re being contacted by insurers or facing questions after a crash, getting legal guidance early can help protect your rights.
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Let van der Veen, Hartshorn, Levin & Lindheim Help You Navigate Complex Test Drive Accidents in Pennsylvania
Crashes during test drives raise unique legal questions that most drivers don’t think about until it’s too late. Our personal injury team knows how to handle car accident cases involving dealerships, commercial insurers, and personal coverage disputes. We’ll dig into the insurance policies, assign liability properly, and fight to protect your rights.
Whether you’re a first-time car buyer or test-driving your tenth vehicle, you deserve peace of mind. We’ll make sure the right party is held accountable—and that you aren’t stuck with bills for someone else’s mistake.
What Damages Can You Recover After a Test Drive Accident?
If you’re injured during a test drive in Pennsylvania, you may be entitled to compensation. Just like in any other car accident, the types of damages available depend on your injuries and losses.
- Medical bills (emergency care, surgery, therapy)
- Lost wages from missed time at work
- Pain and suffering caused by the accident
- Emotional distress or anxiety following the crash
- Property damage, if your personal items were affected
Don’t Navigate It Alone—Call Our Firm Today
If you were injured or involved in a crash during a test drive, don’t try to figure it out alone. Contact van der Veen, Hartshorn, Levin & Lindheim today for a free consultation. We’ll walk you through your rights, help with insurance claims, and build a case that gets you the results you need. If you're dealing with the aftermath of a test drive accident, we can help you navigate the next steps with clarity and confidence.
Injured During a Test Drive in Pennsylvania? van der Veen, Hartshorn, Levin & Lindheim Can Help You Navigate Insurance and Liability Challenges
A quick test drive can turn into a legal headache if you don’t know where you stand. Fortunately, the right legal support can help you untangle the confusion and move forward with confidence. If you’re dealing with a car accident during a test drive, get answers and take action now. Our firm is here to protect drivers from confusing insurance scenarios, corporate insurers, and liability traps.
Your rights don’t end when you slide behind the wheel of a vehicle you don’t own. Don’t wait. Call us today at 215-486-0123 or fill out our online contact form to schedule a free consultation. We represent clients in Philadelphia, Levittown, Bethlehem, King of Prussia, and throughout the state.
Disclaimer: This blog is intended for informational purposes only and does not establish an attorney-client relationship. It should not be considered as legal advice. For personalized legal assistance, please consult our team directly.