Adventures in car shopping

I’ve run into this a few times and I’m not sure why, but why does a dealership require my insurance prior to test driving a vehicle?

If I buy it, sure, I need insurance to drive off the lot but why for the test drive.

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Edit: I read a number of articles and its all, if this may that legal crap that uses a lot of words but doesn’t say much. Nothing is clear. The dealership has insurance but if I walked in without a car nor auto insurance, would they let me test drive? I’d bet that’s a hell yeah.

For your time

Illustration for article titled Adventures in car shopping
Photo: Someone, somewhere probably over a rainbow