| With the first day of school crawling up it's time for | | | | car. |
| your teen to start looking for an alternative to their full | | | | Does Their Employer Carry Non-Owned Auto |
| time summer job. Some places let teens cut their | | | | Insurance? |
| hours back when school starts, but others aren't going | | | | You may not have known this, but your teen's |
| to give them that option. Pizza delivery is a great | | | | employer is actually required to carry liability insurance |
| option for teenagers looking for nighttime and | | | | on their delivery drivers. That applies whether they're |
| weekend hours that will give them the flexibility and | | | | driving a company owned vehicle or their own. Many |
| freedom to be a teen, but from the viewpoint of your | | | | pizza delivery companies (such as Dominoes) prefer |
| auto insurance carrier pizza delivery is a nightmare | | | | to provide their drivers with company cars because |
| come true. | | | | they're cheaper to insure; however, those that have |
| Here's why auto insurance companies hate pizza | | | | drivers driving their own cars are supposed to carry a |
| delivery jobs, and what you can do about it. | | | | non-owned auto insurance liability policy during work |
| Non-Commercial Use of Your Vehicle | | | | hours. |
| When you first bought your auto insurance policy you | | | | This non-owned auto insurance liability policy will |
| probably answered a million questions about what you | | | | cover:a) Damages to other vehiclesb) Property |
| were going to be using your car for and how much | | | | damagec) Medical expenses (for you, your |
| time you were going to be spending on the road. More | | | | passengers, the other drivers and their passengers) |
| importantly, your car insurance provider made | | | | What Non-Owned Auto Insurance DOESN'T Cover... |
| absolutely certain that you weren't going to be using | | | | What a non-owned auto insurance policy isn't going to |
| your car for business purposes, even if those | | | | cover is the damage your car is going to suffer after |
| "purposes" are just running business-related errands | | | | an accident. Since your teen's employer isn't going to |
| during the day with your own vehicle. Why? Because | | | | offer comprehensive or collision coverage for your |
| cars that spend the day on the road are more likely to | | | | vehicle you're probably going to want to look into |
| be involved in an accident. Your insurance company | | | | purchasing that on your own. It beats having to buy a |
| really hates that. | | | | new car because your insurance company won't |
| Now take into consideration the added risk of putting | | | | touch your repair bills with a ten foot pole! |
| your teenager behind the wheel (who is, statistically | | | | Some auto insurance companies might be willing to |
| speaking, 60% more likely to be in an accident than | | | | extend your coverage for an additional fee. Others |
| you are) and letting them spend six to eight hours on | | | | are going to require you to pick up a commercial policy, |
| the road after dark. The risk of damage to your car | | | | which is more expensive but well worth the |
| climbs exponentially, which is why your regular auto | | | | investment. Whichever way you decide to go you can |
| insurance coverage probably isn't going to cover your | | | | rest easy knowing that your car is in good hands |
| teen during work hours...even if they are driving your | | | | every time your teen is out on the highway. |