truebluexx
New Member
- 4
I deliver pizza in Indiana using my own car.
My employers have commercial insurance.
It is a hired and not-owned auto policy.
They also have a workers compensation policy.
Now, i am confused because my personal insurance company says that my policy doesnt cover deliveries, but my work has commercial insurance. Am i allowed to deliver these pizzas or not?
Also, my employers auto policy does not cover damage to drivers cars. If i get in an accident, will my employers have to pay for my car out of pocket?
Finally, i am supposed to tell my insurance company that i deliver pizza, but how do i go about doing this without them forcing me to buy my own commercial insurance policy? I checked and it would be $2800/year for me to get a commercial policy.
I am so confused and i dont want to waste money.
My employers have commercial insurance.
It is a hired and not-owned auto policy.
They also have a workers compensation policy.
Now, i am confused because my personal insurance company says that my policy doesnt cover deliveries, but my work has commercial insurance. Am i allowed to deliver these pizzas or not?
Also, my employers auto policy does not cover damage to drivers cars. If i get in an accident, will my employers have to pay for my car out of pocket?
Finally, i am supposed to tell my insurance company that i deliver pizza, but how do i go about doing this without them forcing me to buy my own commercial insurance policy? I checked and it would be $2800/year for me to get a commercial policy.
I am so confused and i dont want to waste money.