I don't know about others, but my insurer charges an extra premium if you take consignments, because they know if someone is test driving and gets involved in an accident any attorney will first check to see who all can be named in a suit, and the dealer's garage liability policy is going to be a target for sure with much higher limits than the consumers minimum policy. I never liked doing it even 30 years ago, because if they buy it off YOUR lot, they are going to come back on you with any problems down the road.
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