Picture this scenario. You are delivering pizzas on some rainy and cold night. Like many of the pizza delivery drivers, youre using your own personal car. But over time, the wet roads turns icy. When you are on your way to make another of your you lose control of the car on some stretch of black ice, and slam into nearby car. Do you have car insurance for pizza delivery drivers?
Your personal car insurance policy might not include business use. This implies that when you get in car accident when using your vehicle for business, you might not be covered.
Much like personal car insurance, commercial car insurance is made to protect policy holders from those unforeseeable incidents that involve their vehicles. Difference between, personal and commercial car insurance policies might include definitions, eligibility, medical payment coverage, collision, uninsured motorists and commercial coverage.
Then do you have car insurance for pizza delivery drivers?
Pizza delivery drivers
Your pizza delivery business possibly compensates you for your gas consumption when you are working but might not pay you when you are involved in a car accident. You should ask your employer if you are covered by the company’s commercial car insurance and, when so, to what extent. Ask whether your employer’s coverage only apply when you are at not at fault or you are covered when you cause the accident. When you are covered through your company, you should find out with your personal car insurance company to discover if your policy covers you enough while you are working.
Pizza delivery owners
Before you hire pizza delivery drivers, ensure that theyve clean driving records and enough car insurance. You should also tell them about their individual car insurance, urging them to check with their insurance firms about their policies.
When your employees are going to drive cars provided by your company, it’s important that you purchase commercial car insurance. Without the coverage, your company might face some hefty out-of-pocket costs when anyone, including your employee, files some claim against your company after work-related accident involving the company’s vehicle.
Businesses depending on employees using individual vehicles for deliveries may consider non-auto insurance. When an employee gets involved into car accident that involves his or her personal vehicle when working, the coverage basically offers liability protection for your company for damages or injuries caused by any accident.
A number of car insurance policies have “no pizza delivery” clause since delivery drivers are taken as risky to insure. The vehicle’s high annual mileage implies more time on road, and more accident exposure. Also, a number of pizza delivery drivers are college students or teenagers. These groups have the biggest crash dangers of any age group.
Thus do you have car insurance for pizza delivery drivers? Concerning purchasing commercial insurance, the above factors certainly are going to translate to higher premiums. Well, whether you have a pizza delivery business, or you drive for one, it’s likely you are going to pay more for the commercial car insurance. However, no matter how you take it, failure to insure pizza delivery vehicles may ultimately deliver a major debt.