How Can I Test Drive A Car Without Insurance? 
If you are looking at a private party sold vehicle and you do not own and insure another vehicle , beware ! Assuming the seller has the vehicle insured , you as driver may or may not be insured for liability if you are fault in a test drive accident . However many insurance companies offer what 's called a `` non-ownership '' policy providing the coverage when driving a car not owned . The policy provides liability coverage , but will not cover physical damage to the car be driven . 