I recently became aware of a concerning situation I needed to share.

Did you know if a food/restaurant business does not provide vehicles for their breakfast, luncheon, or dinner deliveries, requiring the person delivering to use their own car; then the driver of that vehicle may not be covered with their personal insurance? Some of these food establishments expected the employees/drivers to either clock out or sign a waiver protecting the business from liability. A call to several car insurance companies confirmed if no commercial insurance was in place, the driver’s personal insurance was void if the vehicle was used for food deliveries or during the course of business.

If you or your child takes a part time position delivering pizza or other foods for extra money; please check with your insurance companies first!

Some independent sources for your further investigations!

Insurance companies may not be covering delivery drivers

Protection for delivery drivers who use their own cars

NJ Statute, “Driving Without Insurance; N.J.S.A. 39:6B-2