Cat Food Flambe'
Posts: 1,230
Mar 18, 2010 8:04pm
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.
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.
GoChiefs
Posts: 16,754
Mar 18, 2010 8:08pm
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.
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september63
Posts: 5,789
Mar 18, 2010 8:25pm
Dont ask, Dont tell....................I dont see you having a problem.
LJ
Posts: 16,351
Mar 18, 2010 8:34pm
delete this thread
september63
Posts: 5,789
Mar 18, 2010 8:43pm
In case the insurance guy is watching? Or will someone from Bucknuts rat him out? LOL
I
I Wear Pants
Posts: 16,223
Mar 18, 2010 8:48pm
I'm calling the insurance company to tell them about this clear cut case of fraud. You make me sick.
THE4RINGZ
Posts: 16,816
Mar 18, 2010 8:57pm
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.
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.
Cat Food Flambe'
Posts: 1,230
Mar 18, 2010 9:39pm
Uh oh....
Update - the Lexus was driven by a lawyer. oO
Update - the Lexus was driven by a lawyer. oO
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Con_Alma
Posts: 12,198
Mar 18, 2010 9:41pm
What does that change?? He should want the insurance company to cover you.
Little Danny
Posts: 4,288
Mar 18, 2010 9:49pm
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.
gerb131
Posts: 9,932
Mar 18, 2010 9:55pm
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.
Tell the kid good luck. 17 delivering pizza, if I was that parent I wouldn't make a big deal about it.
dwccrew
Posts: 7,817
Mar 18, 2010 10:36pm
Kid's probably gonna do some serious time. He ruined his life.
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WebFire
Posts: 14,779
Mar 18, 2010 10:57pm
I think taking the sheet metal off the side of a Lexus will be more than a few hundred.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.
C
cbus4life
Posts: 2,849
Mar 19, 2010 9:26am
Lexus repairs are expensive as hell.
LJ
Posts: 16,351
Mar 19, 2010 9:34am
tell me about it!cbus4life wrote: Lexus repairs are expensive as hell.
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dave
Posts: 4,558
Mar 19, 2010 9:35am
a few hundred, lmao
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Gameover
Posts: 150
Mar 19, 2010 10:50am
Delivery of goods is usually not covered under a personal policy.
chicago510
Posts: 5,728
Mar 19, 2010 1:11pm
i think you're missing a subject in your title
other than that i know nothing about insurance
good luck to your nephew though
other than that i know nothing about insurance
good luck to your nephew though
J
jmog
Posts: 6,567
Mar 19, 2010 1:21pm
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.
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.
Cat Food Flambe'
Posts: 1,230
Mar 19, 2010 8:25pm
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.
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.
september63
Posts: 5,789
Mar 19, 2010 8:31pm
Do NOT bring up the pizza delivery, if the other driver doesnt!!
LJ
Posts: 16,351
Mar 19, 2010 8:49pm
So I am assuming he actually T-Boned the lexus.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.
K
Knite Flyer
Posts: 13
Mar 19, 2010 8:59pm
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.
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.
se-alum
Posts: 13,948
Mar 19, 2010 9:03pm
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!
LJ
Posts: 16,351
Mar 19, 2010 9:03pm
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: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!