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.