Insurelane Insurance Blog

Many teenage drivers across America earn some extra cash by delivering pizzas for the local parlor or chain. But if you’re using your own vehicle to deliver the pies you need to make sure you have the proper auto insurance in place.

In fact, delivering pizzas or anything else is actually a pretty risky job. According to a study by the Bureau of Labor Statistics, being a delivery driver is ranked as the eighth most dangerous occupation in the nation as they suffer hundreds of fatal accidents each year.

Pizza delivery drivers are at risk because many of them are pretty young and don’t have much driving experience. They’re often in a hurry and take their eyes off of the road while searching for addresses, usually in the dark and sometimes in bad weather.

But the main problem with delivering pizzas in your own vehicle is that your personal auto insurance plan likely won’t cover you. However, if you’re driving the company’s vehicle then they’re liable for any accidents. Of course, all speeding tickets etc. will be placed on your driver’s license.

A pizzeria is able to purchase liability insurance if its driver is using their own vehicle, but this type of plan won’t cover your medical bills and damages to the auto. This means it’s important to check with your insurance company and employer before delivering pizzas to find out exactly what type of coverage you have if you’re involved in an accident. You’d be surprised at how many pizzerias don’t have the adequate insurance in place.

According to an article by Fox Business, if the employer doesn’t have any insurance then the driver will likely have to face the consequences. This could result in financial ruin for some people if they’ve been negligent and don’t have the right type of coverage in place.

If you’re going to use your own vehicle to deliver pizzas or anything else be sure to check with your insurance company. To be insured for damages and liability you can buy commercial driver insurance. It costs more than personal policies, but it will provide the necessary coverage.

However, it’s important that you purchase the right amount of coverage as the vehicle owner could be responsible if the policy limits are exceeded by the amount of damage. In addition, the parents of a young driver could be responsible for their actions if the child lives with them and is listed as a dependent on their tax return.