[Shotimes] (OT) Cars damaged during a test drive?

[mkelley1@gt.rr.com]

I ran into an interesting situation last week while test driving a car last
week.  I took a Mazda 6 on an overnight test drive and on the way back to
the dealership the next day, a rock chipped the windshield.  Friday, my
insurance agent called to let me know that the dealership had sent them an
invoice not for a chip repair but for a whole new windshield.  Now, I can
see if I had done something negligent to damage the car that they would
hold my insurance responsible but I couldn't do anything about a rock
randomly flying through the air.  My insurance agent hasn't decided 100%
what to do about it yet but off the record they're telling me they aren't
paying for it.  I'm just wondering if they'll send me the invoice if the
insurance doesn't pay.  I would assume that dealerships carry insurance to
cover cars damaged during test drives.  Has anyone else ever run into this
situation before?

Mark

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