Online Auto Insurance Offers Important Advice for Delivery Drivers
Los Angeles, CA, May 09, 2011 --(PR.com)-- In a new FAQ published by OnlineAutoInsurance.com, the writers point out an important issue for people who use their own cars to deliver goods for work: most personal auto insurance policies will not provide coverage for damages for accidents that happened while the car was being used for business purposes.
The actual language excluding coverage for these types of incidents is sometimes even broader than just for “business purposes.” One particular company inserts exclusions into its policies for accidents that occurred while “delivering ‘property for compensation.’ ”
Source: http://www.montgomerycountymd.gov/content/countyatty/Newsletters/Legal%20Views/lvmay04.pdf
The best thing for delivery drivers to do is to ask their employers if they provide coverage for employee’s cars and, regardless of whether they do or not, to check with an agent to see if accidents that occur on the job will be excluded from coverage.
When discussing this with an employer, it’s important to know what a “Hired and Non-Owned Auto” (HNO) policy is. HNO coverage exists to protect the employers - not employees - from financial loss following a traffic accident. Under an HNO policy, the driver can still be held liable for any damages caused in a traffic accident during work hours, but the party with repairs will be unable to seek compensation from the employer.
According to the Ohio Department of Insurance, having an occupation such as pizza delivery could actually make it more difficult to find insurance, so it’s important to mention this when getting quotes during a car insurance comparison in order to avoid complications further down the line.
To learn more about this and other insurance issues, readers can go to http://www.onlineautoinsurance.com/compare/ where visitors will find informative resource pages and a quote-comparison generator that can help delivery drivers or any type of motorist find the best rates for a policy.
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The actual language excluding coverage for these types of incidents is sometimes even broader than just for “business purposes.” One particular company inserts exclusions into its policies for accidents that occurred while “delivering ‘property for compensation.’ ”
Source: http://www.montgomerycountymd.gov/content/countyatty/Newsletters/Legal%20Views/lvmay04.pdf
The best thing for delivery drivers to do is to ask their employers if they provide coverage for employee’s cars and, regardless of whether they do or not, to check with an agent to see if accidents that occur on the job will be excluded from coverage.
When discussing this with an employer, it’s important to know what a “Hired and Non-Owned Auto” (HNO) policy is. HNO coverage exists to protect the employers - not employees - from financial loss following a traffic accident. Under an HNO policy, the driver can still be held liable for any damages caused in a traffic accident during work hours, but the party with repairs will be unable to seek compensation from the employer.
According to the Ohio Department of Insurance, having an occupation such as pizza delivery could actually make it more difficult to find insurance, so it’s important to mention this when getting quotes during a car insurance comparison in order to avoid complications further down the line.
To learn more about this and other insurance issues, readers can go to http://www.onlineautoinsurance.com/compare/ where visitors will find informative resource pages and a quote-comparison generator that can help delivery drivers or any type of motorist find the best rates for a policy.
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Contact
Online Auto Insurance
Benjamin Zitney
909-784-2475
http://www.onlineautoinsurance.com/
Benjamin Zitney
909-784-2475
http://www.onlineautoinsurance.com/
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