Accident While Test-Driving A Car
One of the most fun things about shopping for a new car is getting to test-drive different vehicles as you evaluate which one will best suit your needs. Getting to take a car you’re interested in on the road can tell you a lot about whether or not it is a good fit for you. However, the test-driving process can get very fraught if you are in an accident while driving a test vehicle. It’s important to maintain a calm head in such accidents, so remember the following details if you’re ever behind the wheel of a test vehicle during a car accident.
Car Dealerships Have Insurance
The first thing to know if you’ve been in a car accident during a test-drive is that every car dealership has its own insurance. That insurance covers all the vehicles that get test-driven, so as long as you were not at fault for causing the crash, the car dealership will in most cases cover the accident. If you are injured in a car accident, then you may want to talk to the dealership about whether you should use your insurance or theirs in order to address any medical costs you may incur. Depending on insurers, you may get better medical treatment using your own personal insurance, or vice versa.
That said, there are still important steps you need to take, similar to the steps you’d take if you were in a car accident in your own car. It is essential to make sure that you get any contact information from witnesses or other members of the accident. It’s also useful to take photographs or video of the scene of the accident and the damage with your smartphone, so that you have some visual proof to back up the witness’ testimonies, as well as your own side of the story. Protecting yourself in a situation like this is important, even if the dealership winds up footing the insurance bill.
If You Caused the Accident, You May Be Held Liable
If you are at fault for the accident, you may be held liable by the car dealership for the costs of repairs. This is not always the case, since, again, dealerships do have their own insurance as well. Even so, because of this, it’s always a good idea to follow the suggestions above, so that you have evidence to corroborate your perspective of the events. It may be helpful to consult with an attorney, as well, depending on how costly the repairs are or if you believe that you are only partially to blame for the accident. Expert car accident lawyers who specialize in cases like these may be able to give you a deeper understanding of how likely it is that you could win such a case, and will even represent you, should you go to court with the car dealership. Getting an accurate record of the events will be pivotal in building a strong case, should you go this route.
Even if you didn’t cause the accident, if you were injured you may also need the help of a car accident lawyer to help navigate the legalities of insurance payments from the other driver. Medical bills and car repairs can both be as pricey, as they are complicated, so approaching an experienced attorney about your situation is always a good idea. While being in a car crash during a test-drive is not a fun experience to go through, knowing the facts about such situations will help you stay calm and do the right thing.