All the test cars in the 4S shop are insured, but some are only compulsory insurance, and some are all-insurance. If the vehicle is damaged due to personal reasons, the test driver can claim insurance compensation, but the test driver also has to bear certain expenses and responsibilities.

According to Article 21 of the Regulations on Compulsory Motor Vehicle Traffic Accident Liability Insurance, if a road traffic accident happens to the insured motor vehicle, causing personal injury or property loss to the victim other than the vehicle personnel and the insured, the insurance company shall compensate the insured within the limits of compulsory motor vehicle traffic accident liability insurance according to law. The loss caused by the road traffic accident is intentionally caused by the victim, and the insurance company will not compensate.

Extended data:

Article 31 An insurance company may directly compensate the insured or the victim. However, if the insurance company needs to pay or advance the rescue expenses for rescuing the injured, the insurance company shall pay or advance the rescue expenses to the medical institution in time after receiving the notice from the traffic management department of the public security organ.

If the rescue fund management institution needs to pay the rescue expenses for rescuing the injured, after receiving the notice from the traffic management department of the public security organ, the rescue fund management institution shall pay the rescue expenses to the medical institution in time after verification.

Baidu Encyclopedia-Regulations on Compulsory Liability Insurance for Motor Vehicle Traffic Accidents