Do I Have Enough Insurance To Be a Delivery Driver?

food delivery apps on a cell phone with a map underneath

Probably not. If you drive for Doordash or another delivery service, you should take a second look at your insurance policy. Most policies exclude coverage whenever you use your vehicle for commercial purposes, so you may not be covered while you are driving for work.

Exceptions and Exclusions

Almost all insurance policies have a list of exceptions and exclusions, and delivery frequently appears on that list. Sometimes, insurers use different language, however, so it may not be obvious on a first read.

Look for terms like:

  • Livery (the transportation of goods or passengers for hire)
  • Commercial use

If you are not sure whether your policy covers your professional activities, you can always ask. Sometimes, your insurance agent will offer to add commercial coverage for an additional fee. This fee can be large or small and may vary based on your driving history, credit score, and other factors.

If you are not insured while transporting goods or passengers, do not drive for Doordash or any other company!

What About Insurance Through Doordash?

Doordash has insurance, but it is not designed to protect you. According to the Doordash website:

Damages sustained to your vehicle in an auto accident are your responsibility and should be addressed by your auto insurance carrier directly.”

Essentially, Doordash’s insurance policy is designed to cover the company’s liability in cases where your insurance company refuses to pay out the victims of your accident. If you get hurt or your car is damaged, you are on your own. Your insurance company may not cover your damages, but that is not Doordash’s concern. Uber (for passengers or Uber Eats) and other companies have similar policies.

This is why you need to have a commercial inclusion or upgrade to a commercial policy.

What If I’ve Already Been in an Accident?

Whatever you do, do not lie to your insurance company. The last thing you want to deal with is insurance fraud.

Instead, hold off on talking to your insurance company and consult our experienced personal injury lawyer at Casey Law Offices, S.C. With over 25 years of experience, Attorney John P. Casey can help you explore your legal options and seek recovery from your insurer and/or your employer.

Make the law work for you. Call us 24/7 at (414) 272-5564 today or schedule your free consultation online.

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