dvalleyjim
Well-Known Member
Using a private vehicle for commercial purposes likely leaves it without insurance. Letting your drivers deliver vehicles when you should know about insurance likely would leave you with liability. That may be why fedex hasn't allowed vehicles but if you had that vehicle listed on your commercial policy, fedex should allow it.
Commercial insurance for a personal vehicle is costly. I remember that my 'supplemental' was covered only while on duty but I needed my own policy when using it off-duty Years ago when I delivered pizza in my own car, Pizza Hut covered the car while I was on duty. There are probably thousands of people using personal vehicles to deliver newspapers, as I did too. None of the newspapers required any proof of anything but regular insurance, but I am sure they would face some liability if someone caused a major loss while delivering papers. They may have had insurance, and not told anyone so drivers would file any claims under their own insurance.
Your personal vehicle is not covered by insurance. No accident, work accident, or package. If something happened X would say you were unauthorized and try to make your defense your problem.