Originally Posted by cattlecar Originally Posted by

There is a whole load of misinformation here.



The driver of your car may have done nothing wrong leaving the scene after getting other driver's information in a no personal injury situation. Most states no longer require an officer come to scene in accidents with no bodily injury. Often if you call the 911 operator will tell you to swap information and come to the police department to get an incident report.



Your insurance does cover your car when they drive it in a situation where it is necessary and you have given permission via signing repair order. If your car was parked there and a hailstorm hit your insurance would be the coverage for that. That your insurance is covering it is the proof. If it was the dealer's liability then your insurer would have backed away. If there is negligence it changes this whole landscape. If the dealer acted negligently and if the driver of your vehicle was negligent in causing an accident that damages your car then the dealer's insurance would cover it.



It sucks when an accident happens. There is no guarantee in life that you can escape unscathed and eliminate all risk. You could have repaired your own car and test drive it and someone could run into it.



I am not defending the dealer. I just hate to see a lot of internet misinformation go flying around.



I had a vehicle at a dealer and the service advisor took it home over the weekend and got in a wreck with 3 other persons in the car at 2:10 AM 62 miles away from the dealer. The vehicle was at the dealer for sunroof trim repair. The dealer took care of it. Their was no test drive needed. The person in the vehicle was not a technician nor moving the vehicle to a sublet repair facility. The situation in which the vehicle was being used was outside of any scenario for which you authorize them to operate the vehicle. Etc. etc.