Join Date: Aug 2009
Location: The Knobs, Kentucky
Mentioned: 0 Post(s)
If it was a used bike on consignment to the dealer from the owner, the dealer's insurance would not cover any damages resulting from a test ride. If it was a trade-in, depending on the state, the dealer may only be in possession of a signed title document, which means it is still in the original owner's name (technically), but the original owner's insurance would decline to cover damages in either case.
Allowing test rides on trade-ins or consignment bikes is generally a no-no for dealers; although some do allow them on true trade-ins.
"It is the journey, in the end."