No one wants to be involved in a car accident and while safe driving typically helps drivers avoid collisions, accidents still happen. Have you ever wondered what happens when you get into an accident in a car that’s not your own? Here’s some information to think about before you get behind the wheel. 

Test drive

One of the most important steps in buying a car is the test drive.  However, have you ever thought about what would happen if you got into a car accident while taking that test drive?

In the state of Florida, the owner of the car is responsible for damages on the car. If you had permission from the dealership to test drive the car and you weren’t at fault, you usually won’t be held liable for any damages. If you were at fault, the dealership is still accountable, as they own the vehicle. The catch? They’ll be able to make a claim on your insurance, which may cause your insurance rate to increase. In order to avoid this headache, we suggest you invest in an insurance policy that includes coverages for accidents in a car you don’t own.

If the other driver is at fault, their insurance will be responsible for covering damages and injuries. If a faulty vehicle causes the accident, then the dealership will provide compensation for injuries and their insurance will cover the damages to the vehicle.

In essence, unless the accident is your fault, the owner of the car pays for damages through their insurance. This also means if you are test driving a car that is privately-owned, like a car listed on Craigslist, the owner is responsible for the damages. 

Rental car

Car accidents can also happen when you’re driving a rental car. If you get in an accident in a rental car, the driver at fault is responsible for any damages, not the rental company. This is why many rental car companies require a certain amount of insurance coverage. Many even offer or require additional insurance that you can purchase in case you do not have enough coverage.

Accidents happen. If you were in a car accident and need legal assistance, contact an attorney at the Law Offices of Michael B. Brehne, P.A.

 

Photo by Meddygarnet via Flickr Creative Commons