My Child Is Delivering Food With Their Car. Do I Need to Share This With My Insurance Agent?
It is great that your child has a job and is earning their own money. The modern world of convenience is offering us many new ways to get food and almost instant retail deliveries, but what you should know is that your standard auto insurance policy likely does not cover you for delivery type services.
Regardless of what you deliver, a personal auto insurance policy doesn’t provide coverage for paid delivery drivers. For this, you need a commercial auto policy.
A commercial auto insurance policy is needed for:
- Freight delivery
- Food delivery services
- Courier delivery services
- & many more!
Some people think that simply not telling their insurance company means they won’t be able to charge them the extra premium and that they will pay the loss. Don’t kid yourself. Simply not telling your insurance company that you or your child is using their vehicle for delivery does not mean they will cover you when a loss occurs using the vehicle. In fact, when it comes to insurance, it is a black and white coverage decision. Either there is coverage or there isn’t.
When deciding what coverage you need, ask yourself these questions:
- Who owns the vehicle you’re using for delivery? If it is owned by the company, they probably have a commercial policy. If you own it, you need to carry the right insurance.
- How are you using this vehicle? Delivery drivers need a commercial insurance policy.
Your best bet is to talk to a licensed agents in our office to discuss your insurance needs. Remember, simply not telling your agent or your company that you or your child is using the vehicle for delivery doesn’t mean you’ll be provided coverage regardless of any auto insurance claim you have to deal with. Contact us if you have questions or need an insurance review.
A Accelerated Auto Insurance was founded in 1992 by a group of independent insurance agents. Their vision was to provide affordable auto insurance rates to all customers regardless of driving record or credit history. This vision allowed them to quickly build a large, loyal customer base. In 2006 Jared Fuller began his career with Accelerated Insurance as a customer service representative. Over the next 10 years Accelerated expanded its reach to offer home and business insurance in addition to auto. In 2015 Jared’s wife, Cristy Fuller, also started working for the company. During the year 2016, they became the sole owners of Accelerated Insurance. Advances in technology allow Jared, Cristy, and a small staff to continue to grow while still providing excellent service to their existing policy holders. They continue to maintain the same vision of savings and service for Northeast Louisiana.
