If you have been in the delivery business for any amount of time, then you know that you will occasionally be in an accident that may result in injuries to you or your employee. This is nothing new, and many delivery personnel are now learning how to avoid accidents so that they do not have to worry about being financially ruined. However, you may wonder if there are any ways to drive on company time while still having coverage. The answer is a resounding yes! There are several ways to get around this if you are willing to put in the time and effort.
Driving without insurance is not only illegal, but it can turn your business into a huge mess in a very short amount of time. If you are delivering goods or products, having to pay out of pocket for damages or injuries can cost you thousands of dollars in one situation. You may find that your insurance can be very affordable after you add up the total costs of all of your possible future injuries that could result from driving without insurance. As a bonus, you can also save money by reducing your speed, which will help to cut down on your risk to the company as well.
The first thing that you need to do is talk to your employer and see if you are eligible for any type of reduced insurance premium that they offer. Many times, if you are in good health, you can be offered a discount simply because you are a very safe driver. You may even qualify for a rate reduction simply because you are a woman, which automatically makes you more of a risk. If this is the case, however, you may still want to get a car with anti-theft devices and a tracking device to keep your car safe while you are on the job. If you can afford these things, then by all means, go ahead and get them.
As you may know, a delivery driver is required to be in the car with the goods when it is being delivered, so if you are planning to drive without business insurance for that specific job, there are some specific things that you should not do. Do not get in your vehicle without your seatbelt fastened in. This will prevent you from getting in a wreck, as well as keeping other people safe in the vehicle. You should also make sure that you buckle up and buckle down yourself in your seat before you take your seatbelt off, just in case there is an accident or an emergency.
In addition to avoiding needless accidents, you may also want to consider other options for protection while you are driving without insurance. If you have a package, you should make sure that you have courier insurance. This type of courier insurance protects the shipment itself and its contents in the event of damage or loss. If this protection is necessary for the goods that you are shipping, than your delivery driver should be able to tell you exactly what insurance policy he carries.
Getting around without insurance can be dangerous and it would not make any sense to ship anything by car if you did not have insurance. Any business that does not provide proper protection for its employees, products, or shipments should think very carefully about whether or not they need to provide insurance for their business. Your delivery driver, as well as the people who ship items with you, will thank you for not providing the business with unnecessary risk. Not only can you get in a lot of trouble, but the cargo that you are shipping could become damaged and/or destroyed, which could cause a loss of a great deal of money for both you and your business.
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