All parents are tasked with the responsibility of teaching and instilling positive behavior in their teenaged children: to ensure that they make responsible choices, treat others with respect, and learn the value of earning money through good, hard work. Often times, a teenager\u2019s \u201crite of passage\u201d to the world of work includes looking for a part-time job, such as bagging groceries or delivering pizza.<\/p>\n
A job delivering pizza may not seem like a risky endeavor, but you may want to pay attention to its other implications: the increased amount of driving time, which may result in increased chances of auto accidents<\/a>. If this situation applies to you and your teen driver, here are some ways to determine if your auto insurance policy<\/a> offers the proper protection:<\/p>\n \u2022 Make the appropriate adjustments<\/strong>. When your teen uses your car for business-related activites, you must ensure that you have a commercial insurance policy to be properly insured. Personal auto insurance policies exclude a specific \u201cpizza delivery\u201d clause, mostly due to high risk (the majority of pizza delivery drivers are teens or young adults, a typically \u2018high-risk\u2019 group for auto-related accidents). Ask your teen to find out whether his\/her employer\u2019s commercial insurance covers your car on the job. If not, you must work this out with your personal insurance provider.<\/p>\n \u2022 Weigh your options<\/strong>. After talking with your personal insurance provide, you may realize that adjusting your insurance policy for your teen\u2019s part-time delivery job may not be ideal for you, financially. After all, extra risks equal higher auto insurance rates, and you definitely do not want to be left holding a hefty bill for accident repairs\u2014or worse\u2014medical expenses. Make sure to talk to your teen about his\/her decision to take on a delivery job, and whether this decision may be the best after all factors are carefully deliberated. Be honest about whether taking a delivery job may end up more costly than profitable.<\/p>\n