Car News:  Oversteer

What Would Happen if You Crashed a Viewer's Car During a Review?

RELATED READING
See all Cadillac CTS articles
RESEARCH BY MAKE
Toyota cars, trucks and SUVs Ford cars, trucks and SUVs Honda cars, trucks and SUVs Chevrolet cars, trucks and SUVs Jeep cars, trucks and SUVs Nissan cars, trucks and SUVs Lexus cars, trucks and SUVs Volkswagen cars, trucks and SUVs Cadillac cars, trucks and SUVs
Acura cars, trucks and SUVs Alfa Romeo cars, trucks and SUVs AMC cars, trucks and SUVs Aston Martin cars, trucks and SUVs Audi cars, trucks and SUVs Bentley cars, trucks and SUVs BMW cars, trucks and SUVs Bugatti cars, trucks and SUVs Buick cars, trucks and SUVs Cadillac cars, trucks and SUVs Chevrolet cars, trucks and SUVs Chrysler cars, trucks and SUVs Daewoo cars, trucks and SUVs Datsun cars, trucks and SUVs DeLorean cars, trucks and SUVs Dodge cars, trucks and SUVs Eagle cars, trucks and SUVs Ferrari cars, trucks and SUVs FIAT cars, trucks and SUVs Fisker cars, trucks and SUVs Ford cars, trucks and SUVs Freightliner cars, trucks and SUVs Genesis cars, trucks and SUVs Geo cars, trucks and SUVs GMC cars, trucks and SUVs Honda cars, trucks and SUVs HUMMER cars, trucks and SUVs Hyundai cars, trucks and SUVs INFINITI cars, trucks and SUVs Isuzu cars, trucks and SUVs Jaguar cars, trucks and SUVs Jeep cars, trucks and SUVs Kia cars, trucks and SUVs Lamborghini cars, trucks and SUVs Land Rover cars, trucks and SUVs Lexus cars, trucks and SUVs Lincoln cars, trucks and SUVs Lotus cars, trucks and SUVs Maserati cars, trucks and SUVs Maybach cars, trucks and SUVs Mazda cars, trucks and SUVs McLaren cars, trucks and SUVs Mercedes-Benz cars, trucks and SUVs Mercury cars, trucks and SUVs MINI cars, trucks and SUVs Mitsubishi cars, trucks and SUVs Nissan cars, trucks and SUVs Oldsmobile cars, trucks and SUVs Plymouth cars, trucks and SUVs Pontiac cars, trucks and SUVs Porsche cars, trucks and SUVs RAM cars, trucks and SUVs Rolls-Royce cars, trucks and SUVs Saab cars, trucks and SUVs Saturn cars, trucks and SUVs Scion cars, trucks and SUVs smart cars, trucks and SUVs SRT cars, trucks and SUVs Subaru cars, trucks and SUVs Suzuki cars, trucks and SUVs Tesla cars, trucks and SUVs Toyota cars, trucks and SUVs Volkswagen cars, trucks and SUVs Volvo cars, trucks and SUVs Yugo cars, trucks and SUVs
RESEARCH BY STYLE
AWD/4WD
Commercial
Convertible
Coupe
Hatchback
Hybrid/Electric
Luxury
Sedan
SUV/Crossover
Truck
Van/Minivan
Wagon
ADDITIONAL MODEL INFORMATION

author photo by Doug DeMuro February 2017

Hello, and welcome to Ask Doug, your favorite weekly column where you Ask Doug something about cars, and Doug provides a somewhat relevant and occasionally incoherent response.

If you'd like to participate in Ask Doug, you can! Just send me an email at OversteerDoug@gmail.com or write a note to my Facebook page. As always, I can't promise I'll feature your letter on the site -- but I can promise that if I do feature it, I'll change your name, in case you've asked an embarrassing question such as whether you should buy an original Audi Allroad.

This week's letter come to us from a reader I've named Archie, who writes:

Doug,

I just caught your video on the 993 turbo and the 512. Great as always. It's amazing just how different those two cars are. The Porsche makes so much sense to me, but the noise from the Ferrari just throws all sense out its rattling door.

My question is this: What would have happened if you had clipped that stupid deer while driving their car? Do you assume the risk and shoulder of the insurance burden when you're driving these expensive cars that are generously loaned to you for our enjoyment? I would be so sad if you had to curtail driving these kinds of glorious machines because some tall rat with hooves crashed into you and insurance drove you into bankruptcy.

Your pal,

Archie

Although this question isn't specifically about cars, per se, it's a question I get quite often, so I've decided to respond to it here on Oversteer. And then -- in the future, when other people ask me the same question -- I will simply send them a link here and drive up my unique viewer count. MWAHAHAHAHAH

Anyway, for those of you who don't know what Archie is talking about, the basic situation is this: Last week, I did a comparison test between a Ferrari 512TR and a Porsche 911 Turbo. And at the end of that test, I included a quick snippet of video that shows me about five feet away from hitting a deer in the Porsche. You can even hear tire squeal under braking as I try to avoid it.

In this situation, I got lucky. What actually happened was, there was a second deer standing on the side of the road, and I noticed it first so I started to slow down. Then, out of nowhere, the other deer ran in front of the car. Had I not seen the original deer and began to slow down, there's no doubt I would've hit the quick darter.

And then what?

Well, Archie, the vast majority of the cars I drive are covered by the car owner's insurance policy. The majority of car insurers in the majority of situations cover vehicles when they're being driven by someone else under "permissive use" from the owner. In other words: If you, Archie, give me permission to drive your 1994 Honda Civic, and I crash it, then I'm covered under your policy because I'm operating the car with your permissive use.

Most car reviewers stop there, and they never really worry about the consequences of driving someone else's car beyond the fact that they're covered under that someone else's insurance policy. But I'm a rather anxious individual when it comes to this stuff, so that wasn't good enough for me.

So what I did -- what all car reviewers should do, frankly -- is I took out a $1 million supplemental insurance policy that covers me just in case "permissive use" falls through, or the car owner's insurance neglects to cover it, or whatever might happen. At this current stage, $1 million should cover me in just about any vehicle I've driven -- and unless someone with a McLaren P1 or a Ferrari Enzo emails me anytime soon, I should be covered regardless of what happens.

With car dealerships, like the one who lent me the 911 Turbo, things are a bit more legitimate: They often have huge insurance policies that cover virtually anyone allowed by the dealership to drive the car under dealership purposes -- and they could certainly claim my videos are "dealership purposes," as they provide marketing for the dealership. As a result, any accident that happens while I'm driving a dealership's car will probably be covered under their insurance.

Nonetheless, Archie, this is something I think about all the time -- and after driving dozens of cars for dozens of videos, I haven't inflicted any real damage on any of them. Except for the fact that the owner will always remember "one time, that bumper-to-bumper guy drove this car."

Doug DeMuro is an automotive journalist who has written for many online and magazine publications. He once owned a Nissan Cube and a Ferrari 360 Modena. At the same time.

MORE FROM OVERSTEER:
Help Me Choose: What Car Should Doug DeMuro Buy Next?
Autotrader Find: Race Car Driver Jeff Zwart's Land Rover Defender 110
Did You Know the McLaren F1 Has Three Trunks?

This image is a stock photo and is not an exact representation of any vehicle offered for sale. Advertised vehicles of this model may have styling, trim levels, colors and optional equipment that differ from the stock photo.
What Would Happen if You Crashed a Viewer's Car During a Review? - Autotrader