How much could YOU save?
Request free quotes; find out now.
  • Someone may have
    just saved up to
    $910/yr
    on car insurance.
    Actual quote delivered: 1 hours ago
    Quote Range: $1,340-$2,250/yr
    Age: 25 Sex: Female
    State: California Tickets: 0
    Number of Quotes: 5
    Vehicle: 2008 NISSAN ALTIMA 2.5 S
  • Someone may have
    just saved up to
    $1,390/yr
    on car insurance.
    Actual quote delivered: 1 hours ago
    Quote Range: $2,880-$4,270/yr
    Age: 20 Sex: Female
    State: Texas Tickets: 0
    Number of Quotes: 5
    Vehicle: 2007 CHEVROLET COBALT LS
  • Someone may have
    just saved up to
    $1,408/yr
    on car insurance.
    Actual quote delivered: 1 hours ago
    Quote Range: $2,594-$4,002/yr
    Age: 26 Sex: Female
    State: Connecticut Tickets: 1
    Number of Quotes: 3
    Vehicle: 2005 TOYOTA COROLLA CE/LE/S
  • Someone may have
    just saved up to
    $1,456/yr
    on car insurance.
    Actual quote delivered: 2 hours ago
    Quote Range: $1,068-$2,524/yr
    Age: 20 Sex: Female
    State: Virginia Tickets: 2
    Number of Quotes: 2
    Vehicle: 2004 VOLKSWAGEN JETTA GL
  • Someone may have
    just saved up to
    $1,016/yr
    on car insurance.
    Actual quote delivered: 4 hours ago
    Quote Range: $968-$1,984/yr
    Age: 51 Sex: Male
    State: California Tickets: 1
    Number of Quotes: 5
    Vehicle: 2004 TOYOTA COROLLA CE/LE
We Scour. You Save.
We search the web to find the very best deals and money-saving tips. Then, we send them right to you.
Get insurance now:
Car Insurance Resources:
Get Free Quotes Now
Save With CarInsurance.com!
Car Insurance Learning Center  Learning Center  Auto Insurance Questions & Answers   Questions & Answers  Professional Answers   Auto Insurance Answers

My boyfriend delivers pizza driver but he never thought to notify his insurance company. A guy in front of him backed into him causing $2,800 worth of damage. My boyfriend's insurance now says he didn't have the right insurance to be delivering in his car and therefore will not cover of his car's damages. Will the other guys insurance cover it? If not will he have to pay it out of his own pocket or if he throws a fit will the ins. company cave and fix his car?

Most insurance companies' normal private passenger auto policies do not provide coverage if the covered vehicle is being used to deliver property, i.e. pizza or people for a fee (salary, tips, etc). Coverage can thus be denied if an accident occurs while the personal vehicle is being used to deliver items such as pizza.

There are some states that might require the insurance company to allow the state's minimum insurance requirements to cover a private vehicle whether it is being used for personal or business use. So you can check with your state's insurance regulatory body to see if your state has such laws.

If state laws do not require your boyfriend's insurance company to cover the incident then he will likely need to get a commercial or business policy on his vehicle if he continues to deliver pizzas and wants have his vehicle covered by insurance.

As for the damages, if the other person took responsibility for the accident, in most states your boyfriend should be able to put in a claim with their insurance company, but this would not be covered under your boyfriend's personal auto policy.

Free Auto Insurance Quotes





[Let CarInsurance.com help you find affordable auto insurance now.]

Your boyfriend can shop around for a new auto insurance company for his vehicle by clicking here.

Comment Update: The issue here is if the accident is covered by the responsible party OR if the boyfriend's personal policy will cover it. This typically is not covered under a personal auto policy. CarInsurance.com does not currently have a carrier that will cover this under a personal auto policy. Typically, no personal auto policy will cover "delivery." You will need to purchase a commercial auto policy.

Share this article with:

Related Questions
Car Insurance Related What does primary use mean?
Car Insurance Related My license has been revoked but I have a restricted license. Is there anyway I can get insured?
Car Insurance Related Is auto insurance cheaper if your vehicle is used for pleasure rather than for work?
Rate, add comments, or add help about your situation and this question.
Help us improve the largest car insurance website!

poor 
1
2
3
4
5
6
7
8
9
10

 excellent
Tell us why you rated this car insurance question and answer this way. You can add any helpful insurance comments to this page:
Visitor Comments
Thorough and easy to understand--makes good recommendations and links to forms. great design!
Comment added: 03:59 PM Oct-16
This is stupid, I called into CarInsurance.com and ask about the delivery as "business" type use. The guy told me it was NOT covered, that there are NO personal auto policies to allow it.
Comment added: 12:09 PM Sep-08
Question Details
This car insurance answer was last updated 2:17 PM Sep-08.
This Insurance Claims question was asked 02:35 PM April-18-2006.
Jodie requested this car insurance help from CarInsurance.com experts.
Rated 8 out of 10 based on 2 votes.
Insurance Claims Category
Print Car Insurance Answers Print this car insurance question and answer
Email Car Insurance Answers Email this auto insurance answer
Disclaimer: Answers and comments provided are for information purposes. They are not intended to substitute informed professional advice. These responses should not be interpreted as a recommendation to buy or sell any insurance product, or to provide financial or legal advice. Please refer to your insurance policy for specific coverage and exclusion information. Please read our Terms of Service.
©2012 QuinStreet Insurance Agency, Inc. - Online Insurance Marketplace™
CarInsurance.com Feedback Survey