this post was submitted on 11 Jul 2024
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Former pizza driver here: Yeah it really does work like that, the cops never ask nor do they report it unless you say "Well there I was, delivering a pizza..." and your insurance company doesn't send reps to accidents. We had people get in accidents, including me twice, every one was covered by the person's insurance without question. Nobody cares but the insurance company and everyone from the store to the cops seems to agree "fuck them." Sure it's kind of insurance fraud but they deserve it and I never saw anyone get caught in the 10+yr I worked for multiple stores/companies.
Now, your rates going up? That's a different story. That'll happen just like any other accident, and for that reason it's better if the store pays, but that just isn't how it works at any store nor for Uber/Ubereats, etc.
Yes I figured that that was how it worked when Dad insisted I asked because, although, of course, logically what he was saying made sense, I knew intuitively that that isn't the world I live in, and that unlike a white collar career, the minimum wage world does not care about making conditions or contracts that would attract or retain employees because they have 100% of the bargaining power and will find a different wage slave if you ask weird and inconvenient questions. That was why it was so awkward and I was reluctant to ask in the first place.
The thing is, while I'm all for a "fuck them" attitude towards insurance companies, if I'm going to commit insurance fraud, even if I think the risks are exceedingly low, I'm not doing it for Dominos, and doing it for them is indeed what's happening there because in a just world this should obviously be the cost of offering a delivery service and by taking on this legal risk myself (and the burden of the increased premiums in the case of an accident) I'm gifting Dominos, the multinational megacorp, the opportunity to shirk what should definitely be their responsibility.
The insurance issue and terrible amateur legal advice alone wasn't actually what made me pass on that job, despite really needing it at the time. The rest of the interview was a train wreck in terms of me evaluating them as employers and though they seemed keen to hire me anyway on the basis of me apparently having a pulse, I was fortunate enough not to actually be destitute at the time and so wasn't obliged to accept the offer.