A person is considering purchasing (assuming notes) on another individual's vehicle. They take the vehicle out for a test drive. While test driving the vehicle they get involved in a fender-bender where they are at fault. They learn after the fact that the owner of the vehicle has let the insurance lapse.
Who is reponsible for paying for the damages to the other vehicle involved in the accident - the person test-driving the vehicle or the actual owner of the vehicle?
Also, the person test-driving the vehicle is cited for having no insurance coverage. Should the owner who let the coverage lapse pay the fine or the one test-driving?