car accident while test driving

First, you need to return the car to the dealership and advise them of the accident. Before you do, I would consult with a knowledgeable consumer lawyer in Washington. To determine your legal rights more information is needed. Specifically, what was the agreement regarding the car at the time you left with it? Who owned the car? Whose obligation was it to procure insurance? When the dealer said he would arrange for everything himself - what does that mean? Does that mean he would arrange financing? insurance? In any scenario, you are obligated for any negligence in damaging the car; however, if a reasonable interpretation of the dealer's comment is that he would obtain insurance for the car it is possible that the dealer or his insurance may ultimately have to pay for any damages to the car. Good luck

First thing consult an attorney in your area familiar with your state law. In Florida, the operator of the vehicle would be responsible for their negligence. On the facts you describe, I don't see negligence on your part. You had permission to drive the vehicle, and a deer running out in front is like a tree falling over on it (not your fault). Dealership most likely has insurance, but they may have a deductible on their policy that they'll try to push you for. You paperwork may have some type of strict liability language making you responsible, even without negligence, hence the first recommendation. I assume from your question that you have not suffered an injury. Good for you that the significance of the problem is limited to the property damage. Good luck.