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

[DAVID PILLSBURY]

Mark,
Well being a licensed dealer in Michigan and Having this actually happening to me. I can tell you this dealers are required by law to carry insurance for this type of thing it's called 20/40/10 Fleet insurance. What happened to me was. in 01 I bought a new F-250 Superduty 4x4 The night I went to make the purchase and test drive the salesman and I took it out for a ride and I got broadsided going through a green light. Other guy ran his red took out the passenger side of the truck. The dealer sent my insurance company a bill which they fought and charged back to the dealer who's insurance had to pay for the truck. Granted I did not buy that truck. And the dealer had to find another one in that color for me which I did buy. In a No Fault insurance state. the dealer is responsible for anything that happens to it while on a test drive either around the block or over night. It's not your problem until the car is in your possesion and titled to you. So if you get t-boned 3 minutes after
 you sign your life away and drive out of the lot.  It's all you. If you take it out on a test drive it's all them. When I was selling cars I would have the rock chip problem. A good friend owns a glass company and they pay about 5-9 dollars for windshields.So when I bought the SHO I called him and it's going to cost me 24 Buds to get the windshield replaced. 
Dave

"mkelley1@gt.rr.com" <mkelley1@gt.rr.com> wrote:
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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