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When you thought of the ways your kids were working apt pedal you insane once they became teenagers, driving was probably on the list. Having a job that would preclude them from the home auto insurance policy probably wasn't! That's a pretty mutual problem as parents of delivery drivers, whatsoever. Here's the inside scoop aboard pizza delivery and auto insurance and what you tin do to determine your teenage has the scope they absence.
Why Car Insurance Companies Won't Cover Pizza Delivery Drivers
Do you memorize always the answers you had to question while you first bought your auto insurance policy? It seems like you've given your insurance agent everything but your blood type as long as you're done! Your insurance company wants to know EXACTLY what you're going to be using your car for ahead they decide if alternatively no they're going to insure you (and what they're going to dictate you for the prerogative!) and there's a good cause for that. Drivers who spend more time out on the roads are extra probable to be comprised in chances that lead to car insurance demands. More claims=higher premiums.
You can see where we're going with this.
If you're on the road during work hours instead of happily parked somewhere you're a higher insurance risk [link widoczny dla zalogowanych], and most car insurance companies aren't going to take on that risk for non-commercial premiums. If your teen is driving your car on a pizza delivery and they're involved in an accident you might find yourself unpleasantly startled to discover your car insurance company isn't going to touch those damages with a ten foot pole. You could be holding the bag for thousands of dollars in repairs and no other options.
Picking Up a Commercial Auto Insurance Policy
Before handing your teen your keys and wishing them good luck in their pizza delivery career there are a few entities you as a parent need to know. First and foremost, what variety of insurance is their owner offering them? Companies that hire delivery drivers are technically required to carry insurance to defend them during work hours. Some do this using company cars, which lets them keep their auto insurance rates to a minimum because they know exactly how many cars they'll have on the road at anyone given point in period.
Other companies buy what's known as a non-owned auto insurance policy. This gives your teen full obligation coverage meantime they're out on the road on enterprise business. What it doesn't do [link widoczny dla zalogowanych], however, namely cover the breaks to your traffic. If your teen is going to be launching a delivery career and driving your car to do it you're going to want to speak to your insurance corporation to ascertain out what you need to do to buy the comprehensive and collision coverage that will keep your car safe out on the road.
To do this you might be compelled to buy a advertisement auto insurance policy. The cost of mercantile auto insurance might make you flinch at the outset [link widoczny dla zalogowanych], but remember-it's going to cost a lot fewer to assure your car than it is to nail it. And if you're quite lucky, your teen isn't going to be conveying pizzas forever!