I once interviewed to be a delivery driver for Domino’s and my Dad was adamant it was a bad idea and I should find different work and then insisted that I ask them about insurance if I was going to do it.
It felt super awkward because I was pretty young and people just don’t ask those kinds of questions for minimum wage. He wanted me to ask them if they provided insurance to their drivers when they’re driving cars for them on the clock and explained to me that if there’s an accident while using the car for work then my insurance wouldn’t cover it which I checked and indeed they wouldn’t.
The interviewer said they didn’t provide insurance but asked if I was insured and if I was, wouldn’t I be fine anyway? I said the insurance was not going to cover me while using the car for the job and the guy had this answer in a different tone like a kind of I’ve got this super clever scam that no one’s ever thought of but I’ll let you in on it vibe and leant forward and said “oh yeh, we know what to do here in that situation, what you do is you just say you weren’t working at the time”. I was incredulous but still a nervous teen and kind of meekly protested “but like what about the several pizzas in a bag and the uniform?” And he’s like “oh you just tell them you were on your way home from work and that’s your dinner”. That, along with many other fucked up things that occurred in the brief space of time this interview occupied convinced me to nope out of there.
Yeh dude, I’m going to try and commit insurance fraud… very poorly… for Dominos… who can’t simply provide the necessary protection to allow people to do the job they’re asking them to do. If I have to get my own insurance, if it has to be a special kind of more expensive insurance that’s going to cover me driving for work, then I’m a contractor, not an employee and I’m going to set my own rates and they’re going to be a lot higher then what they were offering considering I also have to maintain my own vehicle and pay for fuel and insurance, to a certain extent I even arguably have to use the skill of knowing how and also being licensed to drive in the first place which makes it not exactly “unskilled” labour in this first place.
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.
I once interviewed to be a delivery driver for Domino’s and my Dad was adamant it was a bad idea and I should find different work and then insisted that I ask them about insurance if I was going to do it.
It felt super awkward because I was pretty young and people just don’t ask those kinds of questions for minimum wage. He wanted me to ask them if they provided insurance to their drivers when they’re driving cars for them on the clock and explained to me that if there’s an accident while using the car for work then my insurance wouldn’t cover it which I checked and indeed they wouldn’t.
The interviewer said they didn’t provide insurance but asked if I was insured and if I was, wouldn’t I be fine anyway? I said the insurance was not going to cover me while using the car for the job and the guy had this answer in a different tone like a kind of I’ve got this super clever scam that no one’s ever thought of but I’ll let you in on it vibe and leant forward and said “oh yeh, we know what to do here in that situation, what you do is you just say you weren’t working at the time”. I was incredulous but still a nervous teen and kind of meekly protested “but like what about the several pizzas in a bag and the uniform?” And he’s like “oh you just tell them you were on your way home from work and that’s your dinner”. That, along with many other fucked up things that occurred in the brief space of time this interview occupied convinced me to nope out of there.
Yeh dude, I’m going to try and commit insurance fraud… very poorly… for Dominos… who can’t simply provide the necessary protection to allow people to do the job they’re asking them to do. If I have to get my own insurance, if it has to be a special kind of more expensive insurance that’s going to cover me driving for work, then I’m a contractor, not an employee and I’m going to set my own rates and they’re going to be a lot higher then what they were offering considering I also have to maintain my own vehicle and pay for fuel and insurance, to a certain extent I even arguably have to use the skill of knowing how and also being licensed to drive in the first place which makes it not exactly “unskilled” labour in this first place.
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.