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auto acc. while delivering pizza in my car/ Ins.Co. wont pay because of "exclusion "

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work for dominos pizza and i seem to be in big trouble!I was using my own vehicle for pizza delivery ( for two years ) and I rear-ended someone while in-route to a High school to drop off large school lunch account. My employer was aware of me insurance exclusion......long "horror story" short....Is Dominos going to help me out at all????????? Shouldn't they be accountable for the other guys damages?
STRESSED OUT!!!!!!!!!!!!!!

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