Are you wondering, “Are you insured delivering DoorDash?” It may not cross your mind that you need an auto insurance policy as a DoorDash car driver. Unfortunately, however, DoorDash doesn’t offer personal auto insurance policies, leaving you vulnerable during your shifts as a delivery driver.
Your auto insurance company will not cover any car accident while driving for DoorDash since your car is for business purposes. With this in mind, it’s essential to have the proper coverage while you’re working for food delivery services like DoorDash.
What Is Required to Become a DoorDash Driver?
To drive for DoorDash, you generally need a personal vehicle, cell phone, valid driver’s license, clean driving record, and personal auto insurance policy. DoorDash car insurance requirements include your personal policy. However, this personal auto insurance doesn’t directly cover accidents while driving for an active delivery.
Does DoorDash Insure Its Delivery Drivers?
The short answer to the question, “Are you insured delivering for DoorDash?” is no. DoorDash offers liability coverage, also known as DoorDash’s liability insurance, which covers third parties in the event of bodily injury, medical bills, or property damage.
However, since DoorDash’s commercial auto insurance policy only covers the damages to third parties while on active delivery, you’re left without coverage on your end.
In addition, since car insurance companies don’t usually cover accidents with personal insurance, you don’t receive any compensation should you get into an accident while driving for this this company.
Are Commercial Insurance Policies Necessary for Food Delivery?
Commercial coverage is an essential car insurance requirement if you’re running any business. However, since you’re an independent contractor as a DoorDash driver, you need to find an insurance company that offers both personal auto insurance coverage and commercial coverage.
Should you get into an accident while driving for DoorDash, you need business coverage, not just your own insurance coverage, since most insurance companies will not use your comprehensive and collision coverage if the accident happens during your shift providing a food delivery service.
Coverage Gaps Between Personal and Commercial Car Insurance
There aren’t straightforward differences between what your personal auto insurance policies and what a commercial auto policy covers. However, it doesn’t have to be complicated. Consider the differences between the two to make the right choice for proper insurance coverage when you’re a driver for delivery service.
Personal Car Insurance
In the insurance industry, your own car insurance policy covers your car for personal use. For example, if you get into an accident outside delivery driver hours, depending on your type of coverage, your personal auto policy covers various damages.
Commercial Car Insurance
On the other hand, car insurance for business use is called commercial coverage. This type is common for business purposes.
For example, you need insurance for business use if you get into an accident while picking up and delivering food to a customer since the accident occurred during work. If you have this type of coverage, you have more excellent protection during delivery hours.
Pros & Cons of Commercial Coverage
Below are the pros and cons of auto insurance for business use. To get the best idea as to which type of insurance is best for your needs, speak to an insurance agent that has an extensive understanding of DoorDash’s car insurance, insurance for business use, and personal use.
Pros:
- Peace of mind; no worry about insurance fraud or lack of coverage
- Coverage while dashing
- It covers car damages, bills, and property damages, even if the accident is your fault
- Likely an extra service provided by your current company
- You can’t deny coverage if you have an accident while dashing
Cons:
- It costs more monthly than having a personal car insurance policy
- You may lose money paying for deductible gap coverage if you don’t deliver often enough
- Not all auto insurance companies offer commercial policies
Insurance Options for DoorDash Drivers
To recap, having insurance is vital when you’re a dasher with DoorDash. Unfortunately, your regular auto insurance policy will not cover damages nor DoorDash’s limited coverage.
As a good rule of thumb, speak to your personal car insurance company before signing on with another agent. Sometimes, companies offer business coverage for a minimal upcharge, so you’re well-protected in the event of an accident.
Affordable Auto Insurance that Protects You
Several companies offer commercial car coverage as an add-on. These well-known companies include Progressive, All-State, State Farm, Geico, and Acuity.
Most of these companies offer a wide range of policies so that there’s something for everyon. For example, you can opt for a commercial car policy instead of changing your insurance. This way, you’re more prepared for accidents before they occur.
Moving Forward If You’re in an Accident While Driving for DoorDash
However, since DoorDash has a misleading level of coverage, you might not know you need another type of insurance before it’s too late. If this is your case, and you’re the victim of an accident in Georgia while delivering for a company like DoorDash, then it’s time to take action.
Our legal team at Georgia Auto Law doesn’t make you pay anything until we settle and win your case. This also means you have no out-of-pocket fees because we understand the last thing you want to do is come up with the cash after an unexpected accident or personal injury.
The Settlement Process
Before moving forward, our team takes the time to understand your situation. Then, we meet with you to discuss the details of your case, conduct an investigation, gather necessary evidence, negotiate a settlement, and go to trial.
Georgia Auto Law’s experienced auto accident lawyers take pride in handling your case with care and diligence. Together, we will work tenaciously to support you while settling your auto accident case.
The question “Are you insured delivering for DoorDash?” is no longer relevant if you’re the victim of an auto accident. Instead, take action if you’re suffering from personal injury from delivering for a food delivery company by calling Georgia Auto Law for any questions and concerns at (404)-622-4949.