You will need to speak to your insurance company about their guidelines and the specific terms of your policy since they vary from one insurer to another however in general if you are using your car for a business purpose such as delivering newspapers, delivering pizza, etc you may not be covered by your personal auto insurance policy. Instead many insurance companies will require you to get business-use insurance for your vehicle.

A vehicle that is driven for delivery purposes is seen by an auto insurance company as having more risks involved with it than a person that drives just to and from their work, for personal errands, pleasure trips, etc. For this reason a personal auto insurance policy may not extend coverages to a vehicle used for business purposes and thus require you to get a business or commercial policy to cover your vehicle.

Most private passenger auto insurance policies do not provide coverage when the covered vehicle is used to deliver property, i.e. pizzas, other food, newspapers, packages or people for a fee (salary, tips, etc.). Since most personal auto policies will exclude coverage for a vehicle while it is being used for "business purposes" you will likely have to obtain a business use or commercial policy for your vehicle since you deliver property for money (by delivering the newspapers).

Make sure that you find out whether or not your current insurance policy will cover you while you deliver newspapers as soon as possible so that if it does not you can obtain the right kind of coverage for your needs. If you do not check into this and are in an accident you may find out that your current insurance company can deny claims due to the nature of use of your car.

If your current insurance company is unable to provide the type of coverage you need or if you want to shop around to get the best price for business-use insurance for your vehicle, follow this link to obtain a quote through our partners for the type of commercial / business use auto insurance that is needed to cover a delivery driver. Or you call our call center for commercial auto phone number at 1-800-936-0356.