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

[mkelley1@gt.rr.com]

Nope.  My policy has a clause concerning rentals.  They are covered on my
policy as an exception.  A test drive on the other hand, is not a rental. 
They loaned me the car and therefore my insurance does not cover it.

Original Message:
-----------------
From: Don Johnson don@themav.biz
Date: Mon, 19 Jan 2004 14:34:05 -0600
To: mkelley1@gt.rr.com
Subject: RE: [Shotimes] Re: (OT) Cars damaged during a test drive?


Your insurance agent is feeding you a line!  If you rent a car you 
shouldn't take their insurance because you are covered under your 
insurance policy as you would be covered if you bought a new car on 
Saturday and didn't call your agent until Monday.  You are automatically
covered.  I've done this several times and I live in Texas.  The same 
coverage would apply if you take a car for an overnight test, as you did.  
Your insurance should cover the damage.

As we all know, the insurance company is going to tell you anything they
can to keep from paying you any money.

Don

-----Original Message-----
From: shotimes-admin@autox.team.net
[mailto:shotimes-admin@autox.team.net]On Behalf Of mkelley1@gt.rr.com
Sent: Monday, January 19, 2004 14:08
To: shotimes@autox.team.net
Subject: RE: [Shotimes] Re: (OT) Cars damaged during a test drive?


OK, here's the explanation I got from my insurance agent:  In Texas, the
insurance is on the car not the person.  If I loaned my car to someone and
they wrecked it, my insurance would be responsible not theirs.  The same
applies to dealerships.  They're supposed to have insurance on any car they
allow to be test driven.  The dealership doesn't want to have to claim it
on their policy so their trying to get mine to pay for it instead.

Mark

Original Message:
-----------------
From:  Mike.Wojton@us.o-i.com
Date: Mon, 19 Jan 2004 13:32:09 -0500
To: shotimes@autox.team.net
Subject: [Shotimes] Re: (OT) Cars damaged during a test drive?


But think of it this way: if you bought a brand new car and found
out the windshield had already been repaired, wouldn't you be
slightly miffed and take the car back for another one, or to get
the entire windshield replaced?  I would.  I'm sure that's what the
dealership was trying to avoid.

And I've had a windshield chip replaced before.  It is slightly
noticable.  And depending on its position on the glass, might not be
repairable at all.  If it's anywhere near the drivers line of sight,
most places won't fix it.

And I do agree that the insurance company should be responsible.


Mike Wojton
Toledo, Ohio

-'95 White MTX
   '96 Brake Upgrade

"Avoid the clap." - Jimmy Dugan




shotimes-admin@autox.team.net wrote on 01/19/2004 11:53:49 AM:

> In my day job, one of my clients is Motors Insurance (GM). Usually you 
have to sign a bailment 
> agreement to take the car for that period of time and it usually 
subrogates all damage to you 
> personally. Read it carefully. Besides, the whole windshield????? I 
thought those things could be 
> fixed if they were not too large??
> 
> 
> 
> In a message dated 1/19/2004 11:40:30 AM Eastern Standard Time, 
sho@paul-fisher.com writes:
> 
> > Did they make you sign something before you took it? If so, 
> > look at it. 
> 
> Larry E
> 97 Red
> Mods
> Welds
> _______________________________________________
> Shotimes mailing list
> Shotimes@autox.team.net
> http://www.team.net/mailman/listinfo/shotimes
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