reports on the terrifying situation that befell Dave Rabenstein, a 20-year veteran of Domino’s Pizza, as he was making a delivery in the Twin Cities in June.
Mr. Rabenstein was waiting for the customer at their front door when an opportunistic thief jumped into his Hyundai Tucson, which still had the engine running, and tried to flee. Rabenstein doesn’t remember much more, but witnesses say he attempted to run after his SUV, when the suspect quickly turned and ran him over.
The thief then crashed, almost totalling the car, but escaped in a getaway vehicle being driven by an accomplice. Minneapolis police are on the hunt for two suspects.
Aside from being knocked unconscious, Mr. Rabenstein suffered a fractured back and broken wrist. As he described to Fox 9, "Every time I lay down, I get a head rush, every time I stand up, I get a head rush...I can’t turn my head too fast. I have to take it slow." His smashed Hyundai is still sitting in his driveway.
While Dave Rabenstein is lucky to be alive, he must now figure out how to pay for his medical care, in addition to the ballooning costs of rehabilitation. The reason for this, aside from being attacked, is that he didn’t have the right
services. And many of them, like Mr. Rabenstein, don’t realize they are not covered should something go wrong.
The majority of insurance companies won’t cover delivery drivers under a personal insurance policy, because of the increased risks associated with the job. More time spent on the road increases the likelihood of being involved in an accident.
Some drivers are reluctant to tell their insurance companies that they are using their vehicles for work, because they will have to pay a higher premium. While this is true, most insurance companies offer specific waivers which are quite affordable.
offers "pizza delivery insurance" for significantly less than a full commercial policy.
If you ignore the need for improved coverage, and make money from driving under your personal policy, any claims you make may be denied by your insurer. To make matters worse, you could be accused of fraud and even lose your driver’s license.
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"Alex Healey is an insurance writer specializing in car insurance and personal finance. Alex’s mission is to create informative, just-in-time content for car owners and buyers. Alex has written articles for Jerry on topics ranging from hybrid vehicle rankings to used car costs. Before joining Jerry, Alex worked as a digital content specialist and editor for brands including InsuranceHotline.com, Rates.ca, and Booking.com. When not writing for Jerry, Alex continues to build his freelance digital content portfolio in the insurance and automotive industries. "