I crashed private-party car during test-drive. I do not have insurance. Can his insurance company sue me?
3 attorney answers
The key here is that you had permission to drive the car. In most policies, this would mean that you are actually a covered driver and therefore achieved the status of an insured within the meaning of the policy. I see no reason why you should have to buy the car unless you want to buy the car. Whether you pay the owner the deductible seems more a matter of choice than necessity, since you did not choose the coverage he had for the vehicle, he did. Hopefully, you can work it out with him.
I an not licensed in MA, but am providing you with what I know would be the case in PA. Hopefully, someone from MA will see this post and respond to you as well. If not, click on the Find a Lawyer tab on the top of the Avvo home page to see if you can find someone near you to talk to or click on the link below to access the Find a Lawyer database. http://www.avvo.com/find-a-lawyer
JOYCE J. SWEINBERG ESQUIRE
Attorney at Law
105 A East Maple Avenue
Langhorne PA 19047
Disclaimer: Please note that this answer does not constitute legal advice. It is merely intended to provide general information to aid the poster in finding answers to the problem posed. This answer does not create an attorney-client relationship. In most cases, it is best to contact an attorney directly to find answers to your problems.
If you are liable for the accident, you can be liable for the costs of the accident, the entire cost of the accident. Just because a car was loaned, does not mean the lender's insurance company cannot go after the person who is the cause. The likelihood depends and is unknown.
Does this answer your question?
I can only answer this from the standpoint of California law, as I don't practice law in your state, but in California since you were driving with the permission of the owner, you would be covered under the owner's policy. You would also not be required to pay the owner the dedcutible.