@Rockhead,
nah...
you did the right thing.
Second guessing yourself now is easy. Doesn't mean it wasn't the right thing to do.
So --- daughter M got a job delivering sandwiches for a sandwich shop this summer. She's all excited and is looking to make $$$ in tips and a (small) salary delivering to nearby office parks during the workday lunch hours. This gives her her nights free to pal around with her friends and doesn't have her doing late night deliveries to residences the way a pizza job would. She's thrilled. I'm quasi-ok with it. It is my car after all...
But, WAIT, a friend informs me that delivery jobs aren't covered under your regular auto insurance and M is uninsured while on the job. I research online and find everything under the sun from, "Yes, it's covered" to "No way, Jose - make her quit", which is exactly what my friend insisted her son do when she found out about it and checked with their insurance agent (same insurance co as mine).
I call my agent. "No - it's not covered under the regular policy. Give me a day and I'll see what we can offer for additional riders or endorsements." That was yesterday. I'm thinking anything is insurable at some $ or $$$$$$, but I'm not going to pay more for insurance upgrades than she's going to earn for the summer. So long as it's $ and she can pay for the increased premium then it's a go.
Today - Sorry, no can do. Nothing available and delivery jobs are explicitly not covered under your policy. WTH? How can there be millions of uninsured delivery drivers on the road? Are they simply clueless and assume that their insurance covers them while hauling pizza or sandwiches? That's the upshot of what I learned online. I pose that ??? to my agent along with, "And, how can they be uninsured and un-insurable when liability insurance is required by law? There's a huge gap here somewhere... What do you suggest we do? Is the state legislature aware of this?"
He asks me to hold on and I start looking for the phone number of my state representative. Not that I want to make a federal case over it, but I guess I'm willing to make a state case out of it as it simply doesn't make sense. I fully expect my agent to come back with a Lloyds of London ($$$$$) type suggestion but he says, "Sorry for the misunderstanding. She's fully covered unless more than 50% of the use of the vehicle is used for delivery purposes, in which case she'll need a business rider that will cost you about $40. He assures me it's been documented in my file.
hmmmmmmmmmmmm
Anyway... that's been my last 24 hours.
How was your pizza?