Delivery – Does my Personal Auto Policy Cover Me?
Did your teenager get a part-time job delivering pizza? Are you delivering newspapers to supplement your income? While these jobs may be a good source of income, more often than not this type of use is not covered under your personal auto policy. More often than not personal auto policies will cite the following exclusion under liability AND under the physical damage portions of your policy:
Regarding Liability under the Exclusions Portion of the Liability:
“For that "covered person's" liability arising out of the ownership or operation of a vehicle while it is being used as a public or livery conveyance.”
Regarding Physical Damage under the Exclusions Portion of the Physical Damage:
“Loss to "your covered auto" or any "non-owned auto" which occurs while it is being used as a public or livery conveyance.”
Public or Livery Conveyance use is the transporting of people and/or goods for hire, such as by a taxi service, motor carrier, or a delivery service.
In order to properly cover your automobile and your liability, you would most likely need a commercial auto policy. Please always contact your agent to discuss your vehicle usage so they may determine how to properly cover you and your vehicle(s).