Cheap Vehicle Insurance, Is it illegal to drive with no business use insurance if I am delivery driver?
Question: Is it illegal to drive with no business insurance if I am a delivery driver? I deliver pizza so say I got stop by the police while making a delivery would it be illegal? Or is it okay to just have personal auto insurance.
Answer: I am surprised that you are not driving a company vehicle while making deliveries which then you would be covered under the company business auto policy.
However generally the police will only care to see proof of insurance and will not really know whether or not your policy covers for business use. The issue comes up when you have a claim. If you do not have business use under your auto insurance policy, you will not be covered when the insurance company discovers you were delivering pizzas at the time of the accident.
I would have thought that the pizza company would inform you of that, since this also puts them at risk of being sued if you where in an at fault accident while making delivers.