Does Nationwide insurance cover my car when it is being test driven?

I am selling my car on Facebook and a lot of people want to test drive it before they buy it. I have Nationwide insurance on the car. Is the car covered during the test drive?

Answer provided by
Shannon Martin
Answered on Apr 26, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
“Good question! This is referred to as an issue of “permissive use.” If the party driving your vehicle is taking it for a test drive before purchasing the vehicle, it can be argued that permissive use—or permission to drive the vehicle—is implied.
Contact your Nationwide agent to ensure that your policy covers permissive use by a licensed operator.
There are risks, of course, with allowing another driver to operate a vehicle that is covered under your insurance. You may want to increase your liability coverage limits and add collision coverage to the policy if the vehicle is not already fully covered.”

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