Consult with a local attorney and notify your insurance carrier. Do not sign anything or make statements to anyone otherwise.
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Who you do have to talk to is the dealership. When you test drive a car they have a legal duty to put a "demo" or "dealer" plate on the car. That plate also has their insurance info on it. When you are authorized to take a test drive, the dealership insures the car, not you. You don't need to sign a waiver or anything like that for them to insure the car. But you should be careful what you say to the insurance companies, they will try to turn your words around on you.
licensed attorney in Montana. Your specific state laws may be different.
If you have auto insurance call them ASAP and report the accident. Do not sign anything or give any recorded statements.
DISCLAIMER: David J. McCormick is licensed to practice law in the State of Wisconsin and this answer is being provided for informational purposes only because the laws of your jurisdiction may differ. This answer based on general legal principles and is not intended for the purpose of providing specific legal advice or opinions. Under no circumstances does this answer constitute the establishment of an attorney-client relationship.
You should consult with an attorney. If you are at-fault for an accident you typically are responsible for the damages you cause. You should as the other attorneys have mentioned, contact your insurance and set up a claim immediately. I would be hesitant to speak to any other insurance companies until you have spoken with an attorney.
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Don't sign anything without a lawyer. You can be criminally charged with the accident, and if you did get a ticket, discuss that with your atorney. Report the accident to your car insurer, but, in many cases, the dealer's car insurance may be responsible.
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