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Pizza Delivery and Car Insurance

Thinking of a career in pizza delivery? Perhaps you are just considering a job to get you through college. Regardless, make sure you understand how your car insurance will be affected by this career path.

Becoming a pizza delivery driver may seem like a job move that requires little to no thought. After all, you have a car, and you need money. All you have to do is show up for work, drive your car around town listening to your favorite tunes, and collect hundreds of dollars of tips each week on top of your regular income. Easy, right?

But have you ever stopped to think what would happen if you were to be involved in an accident while driving with the pizzeria's sign on your car? Let's consider, for instance, an accident that is completely your fault. Would your car insurance be required to cover it, or would the insurance for the restaurant step in? Who is ultimately at fault when you are driving for this particular reason?

Most standard personal insurance policies do not cover accidents if the vehicle is being driven for business reasons. This means that you, as the driver, may not have coverage if you are involved in an accident while driving your car for pizza delivery. This is a very important consideration, because accidents can happen.

Most reputable companies that offer this type of service will purchase non-owned automobile coverage to pay in the event of an accident caused by one of their drivers who is on the clock. This type of policy is typically liability only, which means it will only pay for the medical and other expenses of people other than the company's driver should an accident occur.

However, pizza delivery is considered particularly high risk. Before a company assumes that a policy is available, they should check with their insurance provider.

If you are thinking of getting hired for this job, you should inquire as to what the insurance arrangement will be. Do not assume that the company will have insurance. they likely do, but if they don't you could end up being sued if you cause an accident.

If the company owns the car you will be driving, then the concern is no longer yours. You should assume that there is adequate coverage for the vehicle. However, do make sure that the company adds you as a driver on the policy. Every driver needs to be listed in order for that driver to be covered in the event of an accident.

So, getting a job as a pizza delivery driver may be easy, because there is a great amount of turnaround in this position, but it is not without a few considerations. You will need a car, and you will need to decide how the car is going to be protected in the event of a crash. To make sure you are fully protected, find out what the insurance situation is before you take the job. This will prevent any unwelcome surprises down the road. Then, get out there and start collecting your tips! There is money waiting to be madeHealth Fitness Articles, and you are just the person to make it!

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