Reader’s Question:

I currently have full coverage on my vehicle and I went to test drive another vehicle that is not covered. My question is, will my insurance cover it if I were to have an accident? I live in Everett, Washington.

Liv

Everett, WA

Typically this would not be covered under your auto insurance policy in Everett, Washington.

This would be covered under the used car’s owners policy or used car dealer’s policy.

Most auto dealers will have full insurance coverage on your insurance policy, which is called a garage policy. If you sign something taking responsibility for the damages then you would be responsible for those damages. It’s up to you to reject or accept the offer of a test drive based on your knowledge of potential liability.