Question for any who has delivered pizzas

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Cat Food Flambe''s avatar

Cat Food Flambe'

Senior Member

1,230 posts
Mar 18, 2010 8:04 PM
Do you have to notify your auto insurance carrier that you will be using your personal vehicle for business purposes?

My 17-year-old nephew started doing this as an evening gig two weeks ago - this evening he missed a stop sign and took the right-side sheet metal off the side of a Lexus. My sister-in-law is frantic - someone mentioned to her that your personal insurance is void if you're using your car for business purposes without notifying the insurance company (and probably paying a higher rate).

He works for a small mom-and-pop operation in Louisville - there's no sort of "company coverage", I'm told.
Mar 18, 2010 8:04pm
GoChiefs's avatar

GoChiefs

Resident Maniac

16,754 posts
Mar 18, 2010 8:08 PM
I never did...but I never had an issues that required the insurance to be involved either..so I might have been 'illegal' as well. But I've never heard of such a thing for delivering pizzas.
Mar 18, 2010 8:08pm
september63's avatar

september63

Senior Member

5,789 posts
Mar 18, 2010 8:25 PM
Dont ask, Dont tell....................I dont see you having a problem.
Mar 18, 2010 8:25pm
LJ's avatar

LJ

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16,351 posts
Mar 18, 2010 8:34 PM
delete this thread
Mar 18, 2010 8:34pm
september63's avatar

september63

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5,789 posts
Mar 18, 2010 8:43 PM
In case the insurance guy is watching? Or will someone from Bucknuts rat him out? LOL
Mar 18, 2010 8:43pm
I

I Wear Pants

Senior Member

16,223 posts
Mar 18, 2010 8:48 PM
I'm calling the insurance company to tell them about this clear cut case of fraud. You make me sick.
Mar 18, 2010 8:48pm
THE4RINGZ's avatar

THE4RINGZ

R.I.P Thread Bomber

16,816 posts
Mar 18, 2010 8:57 PM
I used to use my personal car for business use and had an additional rider on my coverage in case an issue ever came up while I was driving for business.

I like the don't ask don't tell policy in this case. If the Lexus driver doesn't push the issue and let the insurance company pay.
Mar 18, 2010 8:57pm
Cat Food Flambe''s avatar

Cat Food Flambe'

Senior Member

1,230 posts
Mar 18, 2010 9:39 PM
Uh oh....

Update - the Lexus was driven by a lawyer. oO
Mar 18, 2010 9:39pm
C

Con_Alma

Senior Member

12,198 posts
Mar 18, 2010 9:41 PM
What does that change?? He should want the insurance company to cover you.
Mar 18, 2010 9:41pm
Little Danny's avatar

Little Danny

Senior Member

4,288 posts
Mar 18, 2010 9:49 PM
He should notify his insurance carrier. Many standard auto policies will cover him for pizza delivery just as long as he informs the company, however non-standard policies (Safe Auto,, A-1 General, etc.) usually have an exclusion for pizza delivery. If there is an exclusion, an endorsement can be added to the policy at a price.
Mar 18, 2010 9:49pm
gerb131's avatar

gerb131

Senior Member

9,932 posts
Mar 18, 2010 9:55 PM
If its not bad, just give the dude a few hundred. I had a guy in a work van a few years ago back out of a bank teller line and into the front of my car. He only did a little bit of damage to the headlight and the lamp and the pain was scratched a bit. He gave me 220 on the spot not to make a report. I think it was about 190 to fix the damage so I made 30.
Tell the kid good luck. 17 delivering pizza, if I was that parent I wouldn't make a big deal about it.
Mar 18, 2010 9:55pm
dwccrew's avatar

dwccrew

Not Banned

7,817 posts
Mar 18, 2010 10:36 PM
Kid's probably gonna do some serious time. He ruined his life.
Mar 18, 2010 10:36pm
W

WebFire

Go Bucks!

14,779 posts
Mar 18, 2010 10:57 PM
gerb131 wrote: If its not bad, just give the dude a few hundred. I had a guy in a work van a few years ago back out of a bank teller line and into the front of my car. He only did a little bit of damage to the headlight and the lamp and the pain was scratched a bit. He gave me 220 on the spot not to make a report. I think it was about 190 to fix the damage so I made 30.
Tell the kid good luck. 17 delivering pizza, if I was that parent I wouldn't make a big deal about it.
I think taking the sheet metal off the side of a Lexus will be more than a few hundred.
Mar 18, 2010 10:57pm
C

cbus4life

Ignorant

2,849 posts
Mar 19, 2010 9:26 AM
Lexus repairs are expensive as hell.
Mar 19, 2010 9:26am
LJ's avatar

LJ

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16,351 posts
Mar 19, 2010 9:34 AM
cbus4life wrote: Lexus repairs are expensive as hell.
tell me about it!
Mar 19, 2010 9:34am
D

dave

Senior Member

4,558 posts
Mar 19, 2010 9:35 AM
a few hundred, lmao
Mar 19, 2010 9:35am
G

Gameover

Senior Member

150 posts
Mar 19, 2010 10:50 AM
Delivery of goods is usually not covered under a personal policy.
Mar 19, 2010 10:50am
chicago510's avatar

chicago510

Original Chatterer

5,728 posts
Mar 19, 2010 1:11 PM
i think you're missing a subject in your title

other than that i know nothing about insurance

good luck to your nephew though
Mar 19, 2010 1:11pm
J

jmog

Senior Member

6,567 posts
Mar 19, 2010 1:21 PM
I never told my insurance company when I delivered pizzas back in college.

Of course that doesn't mean that I didn't have to, I was probably "illegal".

I had a "normal" policy though, not Safe Auto or anything "minimum coverage" like that, so I think I was still covered.
Mar 19, 2010 1:21pm
Cat Food Flambe''s avatar

Cat Food Flambe'

Senior Member

1,230 posts
Mar 19, 2010 8:25 PM
Update - damage to the Lexus is estimated at $14K, the family car is totalled (front end of the frame and the front axle/transmission assembly will cost more to fix than the eight-year-old car is worth..

Family has not decided whether or not to bring up the subject of pizza delivery. I'm not sure what I would do here (gonna keep MY mouth shut in this case, though). I suggested they go over the police report before going any further - if there is a reference to it therein, they might as well be honest.
Mar 19, 2010 8:25pm
september63's avatar

september63

Senior Member

5,789 posts
Mar 19, 2010 8:31 PM
Do NOT bring up the pizza delivery, if the other driver doesnt!!
Mar 19, 2010 8:31pm
LJ's avatar

LJ

Senior Member

16,351 posts
Mar 19, 2010 8:49 PM
Cat Food Flambe' wrote: Update - damage to the Lexus is estimated at $14K, the family car is totalled (front end of the frame and the front axle/transmission assembly will cost more to fix than the eight-year-old car is worth..

Family has not decided whether or not to bring up the subject of pizza delivery. I'm not sure what I would do here (gonna keep MY mouth shut in this case, though). I suggested they go over the police report before going any further - if there is a reference to it therein, they might as well be honest.
So I am assuming he actually T-Boned the lexus.
Mar 19, 2010 8:49pm
K

Knite Flyer

Junior Member

13 posts
Mar 19, 2010 8:59 PM
Those damn insurance companies anyway.

I delivered pizzas for a couple of years, and never bothered to tell my agent.....close to 30 years ago. I also got the "good student discount" until I was 25 years old and had been out of college for a couple years. LOL!

In my adult life, I then was an insurance agent for half dozen years. Ironic.

Tell the kid to STFU, and turn it in. A nice gift certificate to a fine steakhouse should keep the lawyer silent.
Mar 19, 2010 8:59pm
se-alum's avatar

se-alum

The Biggest Boss

13,948 posts
Mar 19, 2010 9:03 PM
It seems to me that the Lawyer wouldn't want to bring it up, so he can assure he gets his car fixed. I did laugh though when it went from what sounded like a side swipe in the first post, to totaling one car and causing 14k in damage to another!
Mar 19, 2010 9:03pm
LJ's avatar

LJ

Senior Member

16,351 posts
Mar 19, 2010 9:03 PM
Knite Flyer wrote: I also got the "good student discount" until I was 25 years old and had been out of college for a couple years. LOL!

With State Farm if you graduate with a Bachelor degree and a 3.0 or higher GPA you kept your good student discount till you were 25. Shit you were a rebel :shy:
Mar 19, 2010 9:03pm