Many delivery drivers use their own personal vehicles to complete routes related to their job, especially as online shopping grows in popularity and major carriers find new ways to keep up with the demand. If you are a delivery driver in such a situation, you must be particularly careful whenever you take to the streets to complete a job. Not only for your own safety but also your pocketbook.
What many delivery drivers do not know is that if they get into a car accident while on the clock, any damages tied to their liability will likely come from their own finances. Your first thought might be, “Not me, I have insurance coverage.” We urge you to re-read your insurance contract because you probably actually do not have the coverage you think you do.
Specific & Surprising Exclusions for Delivery Drivers
The majority of default insurance policies for personal vehicles will have a clause that states the insurance company can “deny coverage for an accident that occurs while the driver was delivering something for compensation.” In so many words, if you are delivering a pizza, a package, some flowers, etc. for your job and cause an accident, your insurance company is going to remove itself from the situation. Even if you were found only partially liable for the traffic collision, your insurer might still be able to deny any recovery on their end.
There are two ways to close up this unexpected gap in coverage. The first option is buying your own commercial insurance policy. This is not ideal since commercial insurance policies paid by a single-user is notoriously expensive; if your sole source of income is making deliveries, you might discover that private commercial insurance will take a noticeable chunk of your monthly income.
The second option is talking to your employer about coverage provided by the company. If deliveries are a routine part of the company’s business, there is probably a company insurance policy to which you can be added. Dishonest employers may attempt to hide this from their drivers at first since adding someone to the policy will probably increase their own monthly premiums. When you are on the company’s commercial insurance policy, all or most of your damages following a collision en route to a customer should be covered by your employer.
What to Do If Denied Coverage
Even if you carefully review your insurance coverage and make certain you have the right policy in place to protect you, trouble could still arise from your claim. After all, a car accident between two people is tricky, but one involving a business’s interests can be outright complicated. To help you sort through your car accident claim, protect your best interests, and find the coverage or compensation you deserve, contact the Law Offices of Brian J. Mongelluzzo, LLC. Our Connecticut auto accident attorneys can help you evaluate the situation and determine if you are being shorted by one party or another. Initial consultations are free, so schedule yours today.