Accidents on Extended Test-Drives.

"My citroen won't start" (lucasboechat) 10/06/2017 at 11:35 • Filed to: None

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How does that work out? Is the car usually insured under the Dealership insurance? Is it on you?

Let’s say you found a lovely 2017 Scheiß-Braun Audi Q7 TDi to replace your aging white 2009 Q7 V12 S-Line and the salesperson wanted to sell that car so much they suggested you take it home for the weekend.

So you, as an Audi driver, decide to take the almost-yours 2017 Q7 to your lovely daughter Kayakina’s organic badminton practice.

On the way there, 98 year old Jedediah Old Republican Man rear-ends you with his 2002 Chevy Silverado because he was distracted with Jesus radio.

Jedediah dies because he don’t believe in no God damn healthcare. He waited for Jesus to save him, but Jesus wasn’t there.

So now you have to call Big Billy’s Audi, Guns and Golf Club store and face Social-Anxiety, their sales manager.

How do things play out with the dealership?

It’s fair to say your insurance would not cover damages to a car that wasn’t yours/ on your policy if you were driving it.

Ash78, voting early and often > My citroen won't start 10/06/2017 at 11:38

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Implausible. Jesus comes of his own accord, and that’s the most reliable car there is.

TheRealBicycleBuck > My citroen won't start 10/06/2017 at 11:48

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If someone else is responsible for the wreck, their insurance is primary, yours is secondary, and the dealership’s is tertiary.

If you cause the wreck, your insurance is primary, the dealership’s is secondary.

My citroen won't start > TheRealBicycleBuck 10/06/2017 at 11:52

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But surely your insurance would not cover the damages on a car that isn’t your car/on your policy.

My citroen won't start > Ash78, voting early and often 10/06/2017 at 11:52

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Is this one of them memes?

Officer Jim Lahey is not a real cop > My citroen won't start 10/06/2017 at 11:58

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My insurance applies whenever I drive anyone else’s car. It’s why I always decline additional insurance at the rental counter.

As I understand it, I only have to add a vehicle to my insurance policy if I am a primary/regular driver of the vehicle (however that is determined).

TheRealBicycleBuck > My citroen won't start 10/06/2017 at 11:58

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If you were driving, yes it will .

And don’t call me shirley.

haveacarortwoorthree2 > TheRealBicycleBuck 10/06/2017 at 12:00

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That’s not necessarily true, and it varies by state. Typically, auto insurance follows the auto, not the driver (but again, it can vary by state).

My citroen won't start > TheRealBicycleBuck 10/06/2017 at 12:04

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I have found a fundamental difference is how Insurance works in Brazil and North America.

My citroen won't start > Officer Jim Lahey is not a real cop 10/06/2017 at 12:05

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Funy, that isn’t how it works in Brazil.

I guess insurance in the US is a lot more comprehensive.

TheRealBicycleBuck > Officer Jim Lahey is not a real cop 10/06/2017 at 12:08

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Check with your agent. Your policy may not cover a car that you rent. Mine doesn’t, so I have to get the rental insurance.

However, my insurance does cover a car I borrow, including test drives from a dealership.

Officer Jim Lahey is not a real cop > TheRealBicycleBuck 10/06/2017 at 12:13

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Good point, I think this was the default rule but isn’t always true. And more insurers are moving away from this.

Last time I checked with my insurer (USAA) they said they do cover rentals in the US.

TheRealBicycleBuck > Officer Jim Lahey is not a real cop 10/06/2017 at 12:18

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I got caught between Enterprise and American Express when someone backed into my rental in a parking garage. My business AMEX provides rental coverage when it’s used for business purposes. Enterprise wanted to charge for lost use. AMEX wanted them to prove the loss of use. Back and forth they went until Enterprise decided to come after me instead.

It took over a year and the involvement of our corporate lawyers before it was settled. Who won? I have no idea.

Wacko > My citroen won't start 10/06/2017 at 12:44

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You must be new to these interweb thingies.

Officer Jim Lahey is not a real cop > TheRealBicycleBuck 10/06/2017 at 12:45

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Wow what a mess...

Did the person who hit you take off?

TheRealBicycleBuck > Officer Jim Lahey is not a real cop 10/06/2017 at 12:47

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It was in the parking garage at our office. They didn’t leave a note.

Officer Jim Lahey is not a real cop > TheRealBicycleBuck 10/06/2017 at 12:51

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It was the corporate lawyers! Job security!

In all seriousness, that stinks. Glad it (eventually) worked out.

LimitedTimeOnly @ opposite-lock.com > My citroen won't start 10/06/2017 at 12:53

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Last year I was offered an extended test drive on a new BMW 328 the day before I was leaving town for a road trip with my wife. I went through all of the process to do it before I decided that the shock value of appearing at home with a new car unexpectedly was not worth the logistical challenge of returning it before I left town. Dealer suggested I take it on the trip but I said no because of concern about damage from rough roads and I was pretty sure I wasn’t going to buy it at the price they wanted.

The dealer required a copy of my insurance card and explained that the extended test drive was essentially a no-cost rental agreement. So, as long as my insurance covered rentals (which it does), then my insurance would cover any damages to the extended test drive vehicle.

Maxima Speed > Wacko 10/06/2017 at 12:56

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Still don’t understand how they got 12 people in one of those.

My citroen won't start > Wacko 10/06/2017 at 13:12

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From my bible studies (I went to 1 class on 3rd grade and promptly refused to go again), Jesus DUIs ate some point because of all the wine but the cop turns into a fish or something. Right?

Steve in Manhattan > Wacko 10/06/2017 at 13:26

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And his dad drove a Plymouth ... “and he drove them out in his Fury.” Genesis

victor > My citroen won't start 10/06/2017 at 13:49

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That said, I wish they sold the Q7 TDI here in the US.