Delivering Pizza? Check Your Auto Insurance

are you covered?

Auto Insurance Coverage When Delivering Pizzas

Taking a part time job delivering pizza is a great way to make a little extra money. While you may think that a second job delivering pizza is as simple as getting hired, it can also have a serious effect on your auto insurance policy. If you are using your own car to deliver pizzas, you probably do not have any coverage if you are involved in an accident.

Your existing personal auto insurance policy will not provide any coverage if you use your vehicle for business purposes. This means that if you get in an accident, or your car gets stolen while you are out on the job, you will be left paying for the damages out of your own pocket.

While the pizza company that you work for will compensate you for the gas that you use while working, they will most likely not provide any coverage if you are in an accident. They may hold a commercial auto insurance policy that may provide a limited amount of protection, but make sure that you are covered. If your employer does have a commercial auto insurance policy, they will most likely have to add your name to their coverage in order for you to get protected.

The best way to make sure that you are covered from any peril while delivering pizzas is to invest in a separate commercial auto insurance policy. Typical commercial auto insurance policies will provide liability protection, uninsured motorist coverage, medical payment coverage, comprehensive coverage, and collision coverage. Talk with your insurance agent to find out exactly what will be covered with your policy.

When looking for the right auto insurance policy to protect you no matter what you are doing while on the road, contact the insurance professionals at Mayer Insurance in Apple Valley, Minnesota.