Yeah, assigned risk. Good ol’ wiki.
I’ve been delivering pizzas part time for almost a year now. Anecdotes to follow.
My only on-the-job accident was with a deer. This turns out to be not totally uncommon around here (smallish town in South Carolina), as one of my coworkers got hit by a deer several months ago.
Another coworker recently totaled his car, but I believe that was off the job.
We don’t have any teenagers driving. There are 2 types of people who drive: Those who do it part-time, and those who don’t aspire to much more. Either way, it’s people who know how to drive. (They do it for a living, after all.)
Behavior-altering substances seem to be fairly common, but never while working. (I don’t judge people for their hobbies.) (As I said, some who drive don’t aspire to much more.)
When I was shopping around for car insurance, Nationwide wouldn’t give me a quote, because they’re apparently not currently set up to insure people who drive for work (at least here). Other companies didn’t have a problem. (I don’t know how it affected my rates, but I was asked if I drove for work.)
IME, I’d say it is probably more than for the average person, but probably less on a per-mile basis than average. (Hey, we’re freakin’ professionals!)
The person who told me this was my insurance agent. He didn’t outright say that most insurers wouldn’t cover pizza drivers, but he strongly implied it. Basically the topic came up and he said “I don’t know where they get their insurance.” Since he agents for several different companies, I assumed that none of them cover pizza drivers.
I should clarify that I work in commercial lines, so my experience is in insuring companies which employ delivery drivers, and not the drivers themselves. If you deliver in your own car, and your employer doesn’t indemnify you for liability, then you’d need personal auto insurance and I don’t doubt that that would be much more expensive for a delivery driver than for an ordinary driver. If it’s unavailable altogether in a particular area, that’s probably because state regulation forbids the insurer from covering the higher-than-average costs.
It’s a long story; I wrote about it once. The very short of it - a co-worker tried to kill me because I got him fired for threatening me with a shotgun as a practical joke.
I wonder if this is due to being in a no-fault state or not, but when I traded in my tiny, little, subcompact, pizza-delivering Honda Civic (1995) for my huge, full-sized Pontiac Bonneville (also 1995), my rates dropped significantly. I mean, a lot. Probably like 30%. The reason my agent told me was because large, full-sized cars cost less to insure. He didn’t indicate whether it was because they repaired cheaper, or were stolen less frequently, or generally had safer drivers, though.
I spent a couple years as a Pizza Driver, and nobody at the store had an accident.
I also spent a couple years as a valet, and damn near EVERYONE had an accident (some of them multiple.) Including one wrecked porsche. We had this huge parking lot pretty much out of sight from the hotel, and the drivers loved to show off and drift around corners like maniacs.
All ou guys driving pizzas around. I don’t know how you do it. 
Peace,
mangeorge
GPS? Ha! Back in my day only 2 of the drivers had cell phones! And we had to drive uphill both ways! In the snow! In July! Man, the world has changed.
I worked at a Pizza Hut and pay was an hourly wage + a fixed amount per delivery. The store had no delivery charge. In 2003, I was making $6.75/hour + .65 per delivery.
Also, Jormungandr, I was under the impression that the 30 minute guarantee died in the US back in the 80’s. Where are you that they still have it?
Would anybody be interested in an Ask The Pizza Guy thread? It seems that there are plenty of non-insurance questions and enough former and current drivers to give a good cross-section of experiences.
Okay, Mr. BurlyMan*. 
*California’s gonernator called legislators who didn’t kowtow to him “girlymen”.
God I fucking hate Snopes. “Domino’s ended its 30 minute guarantee because a speeding driver killed a child.” “FALSE! Actually, a $78 million award was given to 41-year-old female victim in 1993, the second such case in two years, which prompted Domino’s to change policy. But it wasn’t a little girl! Ha!” I fucking hate Snopes and everything they stand for.
Huh? You hate snopes because they busted a myth?
Are you a grouch, Like the guy who lives in a garbage can?
I think I’l read your other posts, looking for clues.
I’m not a grouch. They’re the grouches! Everything is ‘false’ to them. A bunch of people got injured, and domino’s got sued into changing their tune. The ‘myth’ is true, whether or not it was a kid that died.
It’s like that time on mythbusters that they discovered that dynamite is just a phenominal way to clean the inside of a concrete truck. But when it came time to issue a virdict, adam begins to laborously utter the words, first with a “p” sound, at which Tory gets this horrible grimace in his face, but which, to everyone’s relief, ends up being “pretty busted.” (Ok, so Tory got the sun in his eyes, and I don’t even have a video to show you, but the point stands.)
These people are about one thing, irregardless of the situation.
One of the problems with our tort system, imo, is that corporations rarely are hurt by their own negligence. They skate, almost always. I can’t even guess how many millions they made off that irresponsible campaign.
But still, there was no little girl killed. Not even an old fat guy (me) died.
And a lot of snopes’ articles are a hoot.
Microwave pizza, indeed.