Crashed during a food delivery? Your current auto insurance may not deliver.
Nobody likes to be the bearer of bad news. Imagine having to tell your spouse, parents or significant other that you are on the hook for a $200,000 legal settlement after being in a car accident.
While you may think because you’ve purchased an automotive insurance policy you’re protected from this sort of thing happening, that isn’t necessarily the case. It might be too late after a loss occurs to notify your insurance representative that you’ve picked up some extra work being paid to deliver pizza or Chinese food. Chances are you’re not properly insured!
When you use your personal vehicle to earn income making deliveries, it’s unlikely your insurance company will honour any claim in the event of an accident while you are on the job. That’s because your personal auto policy doesn’t provide coverage when your vehicle is being used for business purposes. You need a commercial vehicle policy to ensure that you are properly covered.
At DPM Insurance Group, we want our clients to be protected at all times. Like we always say: “Your Security – Our Responsibility”.
So, it’s important you know that if you’re being paid to make deliveries without the right kind of insurance, even on a short-term or part-time basis during the Covid-19 crisis, that’s just like driving with no insurance at all. Even if you don’t have an accident, your policy can actually be canceled if the in
surer finds out you’re using your personal vehicle for commercial purposes without the proper policy in place.
Switching from a personal to a commercial vehicle policy will likely mean additional cost. How much depends on a variety of factors such as how much time is spent on the road making the deliveries; what time of day the deliveries are made; the age of the driver, the general area where deliveries are made; and, the driver’s personal driving history. Once we have all the information needed, we can provide you with a quote, which will allow you to decide if there’s a net benefit to you for picking up some sideline delivery work.
So, before you take to the open road with a stack of pizzas on your passenger seat, give one of DPM Insurance Group’s brokers or customer service representatives a call. They can review your current policy and ensure you have the best protection for your situation.