Working as a food delivery driver is consistently ranked within the top ten most dangerous occupations, due in part to the high number of automobile accidents which occur on the job. In fact, Domino’s Pizza discontinued its “30-Minute Guarantee” in the 1980’s because of lawsuits from people hit by delivery drivers speeding in order to deliver on time. Additionally, higher annual mileage means more time on the road with more exposure to possible crashes. Drivers are often younger and part of the greatest risk group, which adds to the problem.
Therefore, the first question you need to ask of the business before you begin, is whether they will be carrying a commercial automobile liability policy for you and whether they will be adding you to that policy. Often, the business will require drivers to use their own vehicles and insurance. It is easy to mistakenly believe that your personal automobile policy has you covered, but this is generally untrue. A food delivery driver with only a personal policy runs the risk in case of an accident of having the claim denied and assuming all costs and liabilities personally, as most policies won’t cover business use. Additionally, this can put the business for whom you are delivering at risk for lawsuits also.
So how can you properly protect yourself and your automobile from risk of loss due to an automobile accident while you’re performing delivery services? You will need to obtain a commercial automobile liability policy which may include:
- Liability Coverage
- Medical Payments
- Uninsured Motorist Coverage
- Comprehensive and Collision Coverages
A commercial policy often has different eligibilities, coverage, exclusions and limits, and policies generally vary from state to state. This is why it’s important to speak with a trusted local agent to determine the correct coverage for you.
For additional help with your auto insurance needs contact Pettineo Insurance Agency today at (954) 493-9424 or visit www.pettineo.com for a free quote.
Pettineo Insurance Agency Inc. provides auto insurance, commercial, and auto business insurance in Fort Lauderdale, Lauderdale-By-The-Sea, North Lauderdale, Pompano Beach, Oakland Park, Boca Raton, Deerfield Beach, Hollywood, Sunrise, Coral Springs, Pembroke Pines, Sunrise, Tamarac, Plantation, Lighthouse Point and all of Florida. As an independent agent we represent many top rated companies in both the personal and commercial lines. We place your policy with the company offering the best coverage at a reasonable price. We offer a complete line of personal, commercial, life and health insurance products, designed exclusively for your insurance needs. Serving South Florida for almost 30 years, Pettineo Insurance offers the highly personalized service and stability that you should expect from your insurance agent.
