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1only · Aug 19, 2007, 01:21 PM

I was in a accident while I was using my car to deliver pizza. Now my auto insurance denial my claim because I was using my car for commercial use. I then talk to my employer about my case they didn't say much but ask me to give them a copy of the denial form and they'll talk to their insurance about my case. I submitted to my employer insurance but it been 1 month and I haven't heard anything. Yesterday I receive a letter from the other car insurance telling me that I owe them 11k. What should I do?

froggy7 · Aug 19, 2007, 03:07 PM

This is why delivering in your own car is a bad idea. (Been there, done that, thankfully managed to avoid any accidents.) Your insurance has a clause saying that they won't cover accidents if the car was used for business purposes. And I bet that your employer had you sign a clause acknowledging that their insurance wouldn't cover you, and that you were required to provide your own insurance.

And now you owe 11K. If I were you, I would be riding your boss to see if they are going to cover that or not. But I can almost guarantee you that, if you did sign something saying that you were responsible for providing your own insurance, they are going to take one look at an 11K bill and say that you are on your own.

If they do that, then you are going to have to figure out some way of paying 11K. Or, they will take you to court, get a judgement against you, and take the appropriate steps to get that judgement filled at some point in the future when you do have 11K.

Fr_Chuck · Aug 19, 2007, 03:10 PM

Well get your check book out and write them a 11K check? Well guess you can't do that. But yes if we are using out perosnal vechile doing work, and have not paid for a commercial rating, then yes they can deny payment, If you had just informed them and paid a slightly higher premium you would have been covered. Since you were working for the pizza place, they will beomce liable, that is why most places require you to provide them a copy of your car insurance. Most likely the pizza place will only pay if and when they are actually sued. Which is what will happen if you don't pay soon. But if they do, then they will just in turn sue you for the money since you were suppose to have insurance on your car that would cover the commercial usage.

Hire an attorney comes to mind very fast as first thing to do now.