car insurance for pre-purchase inspection
I want to buy a car for my son. I have my own vehicle insurance (from G-CO). A few dealerships said that I need “full coverage” insurance to take the car off-site for a Pre-Purchase Inspection with my mechanic/shop.
How do I get this coverage for a car that I do not own yet?
Right now I have (Texas):
- Bodily Injury Liability: $30,001/$60,001
- Property Damage Liability: $50,001
- Uninsured Motorist Bodily Injury: $30,001/$60,001
Collision and comprehensive coverage seem to be tied to my own insured vehicle, not to some random dealer-owned vehicle that I may be considering buying.
I contacted G-CO and they told me that once I know the VIN and I’m final about buying the car, I can call them and add that vehicle to my policy. That makes sense after I decide to buy it, but it doesn’t seem to solve the PPI problem, because I want the independent inspection before committing to the purchase.
When dealerships say I need “full coverage” to take their car for a PPI, what exactly are they expecting me to have? Is there some type of temporary/non-owned vehicle coverage I’m supposed to get, or are they simply asking to see that my existing policy has collision and comprehensive coverage on my own car?
How do people normally handle this?