Re: Stupid delivery driver got in small wreck and wants new
jokergerm:
When i driver gets hired we give them a packet that states, you must have insurance ans they need to inform there company that they deliver pizza.
wow I really can’t believe that you would allow the potential future of your business to rest in the hands of your drivers. You allow them to choose to be insured or not whe they driver for you?
Let me think will your drivers tell their own insurers and pay the extra premium? Most are very unlikely to.
So the first accident they have, their insurer finds out they are delivering pizza, tell the driver they are not covered and the 3rd party comes after you. I don’t know what the washington state insurance plan is but any kind of additonal insurance is going to expect you to have taken reasonable steps to avoid the risk (i.e. if they can find that you’ve not taken reasonable step then they’ll try and get out of paying your claim). This is exactly the same way as any other insurance you have i.e. your buildings cover expect you to take reasonable steps to protect your building etc.
If you’ve told your drivers you expect them to add business coverage to their own insurance then I’d think most people and more improtantly most insurance companies would say it is reasonable that as an employer you check that by seeing some form of confirmation (which of course you don’t have).
It really gets my goat that there are people masquaring as professional businesses that actually don’t give a stuff about anyone else. Yet I bet their’d be the first to scream if one of their family were injured by an un-insured driver, or one of their suppliers didn’t take reasonable steps to protect their own business or one of their employees didn;t take reasonable steps to protect their business i.e. leaving and alarm off or leaving a door unlocked.
Sure, I only insure my drivers cars on a 3rd party basis so if they are in an accident their own car isn;t directly insured but
a) they are all road legal and they have full 3rd party insurance whilst they are on my time
b) I carry legal cover which assists them if they suffer a loss as a result of someone elses fault
c) we check all driver documents every 3 months
d) the drivers are explained and all sign a declaration when they start which details what is and isn’t covered by our insurance so there are no suprises and this document also states that we recommend they take out additional coverage for their own vehicle.
