Help! I was taking driving lessons with a driving school and had an accident during my road test! I didn't hit anyone, just hit a wall but the driving instructor says he is not covered for collision and that I have to pay for the damages. The accident happened in NY. I was in the car with the dmv examiner at the time of the accident and the car has dual brakes. The instructor did not give me any insurance information. I had only taken five lessons prior to taking the road test.