Auto Insurance Policy Exclusion: Pizza, Newspaper, & Other Types of Delivery May Not Be Covered by Auto Insurance

Cars used in pizza or newspaper delivery, or transportation of any person(s) or property for a fee, are usually excluded (not covered) by personal auto insurance policies, while engaged in these activities. In fact, if you use any vehicles insured by a personal auto policy (instead of a commercial auto insurance policy) for any business pursuit (picking up supplies at office depot, dropping off paperwork with a co-worker, etc.), whether you are self-employed, or work for a company or someone else, you should check with your agent or car insurance company, to see if you are covered, should you be involved in an accident or need to file a claim. This blog post will explain more about this common auto insurance policy exclusion.

Even though you may not now use any of your vehicles for business use, its important to know about all your auto insurance policy exclusions. For example, I have never used my personal auto for any business purpose, but, a while ago, a neighbor in an apartment complex I was living in at the time, offered me $20 to drive him somewhere in a snow storm. If I had taken the money, gave him a ride, and was involved in an accident, my auto insurance company would decline the claim, once they knew the facts of the situation.

People take second jobs delivering pizza or newspapers, or start a side business hauling away junk with their truck, or a car service for the elderly, etc. Many of these people will forget to discuss it with their agent, until it’s too late, and someone is trying to file a claim, and find out there is no coverage. If you, or any other driver of your cars, like your teenager, need to use a vehicle in the course of a job or business, call your agent or insurance company (if you don’t have an agent), to make sure you can get the proper auto insurance coverage to protect yourself before you start using your vehicle in connection with your employment or a business.

If you use your vehicle to drive around to different places of business during the day (not delivering property or people), going on sales calls, or showing real estate, your insurance company will rate you at the higher “business” rate use, which is okay for some personal auto policies, as long as there is no advertising of the business on your vehicle, and the vehicle is not registered as a commercial vehicle, or in the name of your business.

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WARNING: Most other uses of your car for business will result in your auto insurance company canceling your personal auto insurance policy at its next renewal date.

So, if you call your insurance company and tell them you do deliveries, they are likely to non-renew your personal auto policy, and may require proof you no longer do deliveries to reconsider their decision to non-renew you. Although coverage in this situation is likely excluded, your insurance company is often not willing to insure a vehicle being used in a way not appropriate for a personal-use auto insurance policy.

However, auto insurance companies may approach this situation differently, and the business-use exclusion can be different among car insurance companies. Be smart, and shop to get the right type of insurance coverage, at the best price, before you start using your vehicle for business. Because car insurance companies sometimes differ in what they allow for business use of your vehicles, it’s wise to shop with many companies. Both Progressive & GEICO insure personal autos, but they also sell commercial auto insurance, if you need it, at competitive rates for many people. Auto insurance rates can cost twice as much with some companies, so you really can save a lot of money, by finding the company with the coverage you need, at the best price for you.

Thanks for reading this blog article about the business-use auto insurance policy exclusion. You can find reviews of leading auto, home, & life insurance companies on my website & blog. Did you find this article useful? Comment on my facebook page. If you have questions, you can reach me at help@smartshopyourcarinsurance.com. Follow me on Twitter for important insurance consumer news & new blog entries at CarInsWatch.