<p>Have any of your kids had part time jobs as a sandwich/pizza delivery person while away at college? </p>
<p>Before we allow our son to use our car (insured on a personal auto policy with three vehicles) for this type of job, we are concerned that our policy will not provide coverage if our son is involved in an accident while “on the clock”. </p>
<p>Also, if your kid(s) have/had this type of job, how is/was their wage calculated? Our son has been told that drivers can make about $200 in tips for a weekend night shift. Really? I thought college kids are cheap tippers.</p>
<p>When DH started using his truck while on the job (though it was for maintenance) he just put a rider on the policy. It only cost a little extra and he never had any consequences. </p>
<p>This may be a bit different, but my daughter is using her/our car (it’s a family car and we are paying insurance and she covers everything else from her mileage reimbursement) as a dogwalker this year, between graduation and grad school. Our insurance guy said we didn’t have to change anything since the job is “temporary.”</p>
<p>college kids sometimes are cheap tippers but it’s not like pizza is expensive. I wouldn’t think pizza tips would suffer as much as say eating out in a restaurant.</p>
<p>I was in middle management with a pizza restaurant in a prior life. MizzBee is right. Contact your insurance company and discuss it with them. The additional coverage is not very expensive but if your son is involved in an accident while driving as his job, they will cover the damages but may cancel your policy.</p>
<p>A friend of mine delivered pizzas until he had a knife pulled on him one night and was robbed. I don’t think that type of job is worth it - it’s too easy for a criminal to set them up.</p>
<p>On the car - different insurance companies handle things different ways - you need to direct your questions to the insurance company.</p>
<p>When figuring out how much money will be made don’t forget to figure in car wear and tear as well as a greater likelihood of accidents due to driving around unfamiliar places a lot at night. A lot of people forget to consider the car wear and tear.</p>
<p>If you can’t tell, there’s no way I’d recommend my kid do this type of job. Maybe he should keep looking around for something else. Try looking on campus first.</p>
<p>DS did this in high school. Was in an accident that totaled his car. Our insurance paid the claim. Not sure if they knew he was delivering pizza at the time. his tips were varied, his boss did pay something for each delivery plus an hourly wage which helped somewhat cover the gas. He is a weightlifter and a big guy. I don’t think he ever felt unsafe but he did have some weird experiences including people on an Indian reservation who insisted they should pay sales tax and an older woman who continually answered the door naked.</p>
<p>Insurance is a big reason I didn’t let my kids take a delivery job, and it was a nice cover for the fact that I thought it could be dangerous. Turns out it is…</p>
<p>A boy my son graduated HS with last year got beaten and robbed when he took a delivery to an abandoned house. It appears he was set up to deliver to the abandoned house. The call was supposedly made from a restricted number. It turned out to be the suspects foster mother’s phone. The poor boy had a bleed in the brain and had to have his jaw wired shut. I think he may have needed surgery on his face. They think he was hit with a baseball bat.</p>
<p>Both attackers were 17. Charged with robbery and aggravated assault. The paper said they were trying to waive them to adult court. Hope they succeed, otherwise they get a slap on the wrist. Even if they are charged as adults, if it’s their first offense probably won’t do time.</p>
<p>Read your policy…using vehicle for business is not covered. He can drive it TO work, but not drive it FOR work. Check with your carrier, don’t risk your house over it.</p>
<p>Our local customer service person said a claim would not be covered if the vehicle was being used in the course and scope of employment. I asked if an additional umbrella policy could be added. The answer was no. </p>
<p>I then called the 1-800 customer service center after business hours. I was put on hold two different times so that the CR Rep could speak to a policy specialist. The answer (for Liberty Mutual) is, we must make a change to our policy and identify our son’s vehicle as “some business use”. Since the primary use of our son’s vehicle is NOT for business use, AND we make the change to our policy, any loss/liability claims would be covered. </p>
<p>If we do not change the classification of our son’s vehicle to reflect “some business use”, and he is involved in an accident, we are NOT covered by the policy. </p>
<p>I did request a hard copy of our policy so that we can read the contract language. Better to be safe than sorry. </p>
<p>As of now, my son only works inside( started only a few weeks ago). The biggest draw back is, the only shift they can offer him is Saturday night from midnight until 5AM Sunday morning. He needs at least 15 hours to cover his expenses. </p>
<p>I am going to speak to our agent in person tomorrow. I would like to see the contract language myself before we will even consider the idea of allowing our son to drive “our” car for deliveries.</p>
<p>I read our policy. It clearly states that is does not cover business use. The debate could be, what is business use…I thought pizza delivery would be business and it wasn’t a risk I was willing to take.</p>
<p>I get a new copy every year with the renewal. Do you not get one or just not save it? I think it is under “terms and conditions”. I can check and tell you the language if you want. Most auto policies are pretty standard. DOn’t know how much they vary state to state though.</p>
<p>Every year at renewal time, we get a Policy Declaration document that list the “general” language and a list of all our endorsements on our policy. The entire contract language is NOT sent due to paper costs. They were happy to send me the multiple page contract when I requested it. </p>
<p>As for a different line of work, I prefer he keep looking for something else. He has a very tough semester this spring (Mech. Engr major and Chinese minor). DS is trying hard to transition away from Mom and Dad’s direction. I give him credit for his efforts. At least he asked us about the use of our car. </p>
<p>Any chance he can find an on-campus job? With a busy academic schedule of MechE plus a Chinese minor a campus job would likely be more convenient for him (since he’s already on campus) and more flexible since they usually allow the schedule to flex to accommodate tests and a varied course schedule. It’d also be safer for him (but you don’t have to tell him that part). Some of the campus jobs even allow the student to do some studying while on the job - i.e. some library jobs, parking attendant, help desk, etc.</p>
<p>he does not qualify for work study. He has applied for tutor positions but since he waited until after Spring Semester started, he has little to pick from. He did work at a campus bookstore the entire month of January but that was a temporary position.<br>
Something will work out.</p>
<p>I hope it works out with your insurance - or he finds another job were either doesn’t have to drive his own vehicle and the company provides him one. </p>
<p>I have a few friends who have to use their personal vehicle for transportation between site to site, for that, they use their own [car</a> insurance policy](<a href=“http://www.carinsurancequotes.net/what-is-comprehensive-car-insurance/"]car”>http://www.carinsurancequotes.net/what-is-comprehensive-car-insurance/) - which I believe is comprehensive. But I would imagine if they’re transporting company goods in large quantities the company would prefer they use a company car/truck which would be covered under their commercial car insurance policy. Overall, it sounds like a difficult situation to be stuck in, hopefully he has some sort of coverage by now.</p>