How can I get money back from geico or dominos commercial insurance?

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How can I get money back from geico or dominos commercial insurance?

I am working at Domino’s pizza as delivery driver part-time job. While delivering, someone robbed me and they took my car. I had full coverage with Geico which is they refuse to pay basically they denied my claim. After that I spoke to my domino’s franchise owner he said his not responsible for anything basically they did not listen me. He said his Domino’s franchise which they have work commercial insurance not gonna cover your car, so I need any idea from attorney if anyone can help me to get my car claim back.

Asked on July 20, 2018 under Insurance Law, New Jersey

Answers:

SJZ, Member, New York Bar / FreeAdvice Contributing Attorney

Answered 3 years ago | Contributor

Your employer would not be liable: the law is very clear that an employer is not responsible for the criminal actions of others, since they do not control those persons, did not cause the crime, etc.
If you believe that under the terms of your insurance policy Geico should pay (that is, that the policy states that they will pay your claim in circumstances like this), you could sue Geico for "breach of contract" for not honoring their contractual obligations. (An insurance policy is a contract.) If you can prove in court that under the terms of the policy, as applied to the facts of this situation, Geico should have paid the claim, you can get a court order requiring them to pay.


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