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

[Ron Porter]

I would seriously doubt it. The dealership needs to carry insurance for
this. Plus, what if the sales wonk was driving?

Now, if there were some signs of seriously irresponsible actions on the part
of the driver (doing 100 in a 35 and running a red light, for example), even
"no fault" states allow lawsuits to collect against individuals.

Ron Porter

-----Original Message-----
From: shotimes-admin@autox.team.net [mailto:shotimes-admin@autox.team.net]
On Behalf Of Paul L Fisher
Sent: Monday, January 19, 2004 3:43 PM
To: 'DAVID PILLSBURY'; mkelley1@gt.rr.com; shotimes@autox.team.net
Subject: RE: [Shotimes] (OT) Cars damaged during a test drive?


That is a no-fault state. I'm sure other states are different. 

-----Original Message-----
From: shotimes-admin@autox.team.net [mailto:shotimes-admin@autox.team.net]
On Behalf Of DAVID PILLSBURY
Sent: Monday, January 19, 2004 2:27 PM
To: mkelley1@gt.rr.com; shotimes@autox.team.net
Subject: Re: [Shotimes] (OT) Cars damaged during a test drive?

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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