![]() Visit your insurance provider’s website or talk with an insurance agent to see which option may be the best fit. Additional Coverage to Consider PurchasingĬommercial coverage or business-use coverage are two common additions that food delivery drivers may opt to add to their regular vehicle coverage. Rather, drivers are expected to maintain compliance with the state’s minimum coverage requirements. There’s no minimum requirement for coverage limits (i.e., damages up to a certain dollar amount). What is Standard Insurance Coverage for DoorDash Drivers?Īll DoorDash drivers will need to have their own basic car insurance coverage, in addition to a clean driving record and driver’s license. The personal auto insurance policy provides a claim denial letter. ![]() Their primary, personal auto insurance policy has denied the claim.The Dasher was making an active delivery at the time of the accident.The Dasher is considered the liable party.The coverage will only kick in if all conditions below are met: This includes bodily injury, property damage, and damage or injury to other parties in an accident. What It IncludesĭoorDash liability insurance covers eligible drivers for up to $1,000,000 as outlined in the Independent Contractor Agreement. In addition to this limited liability coverage, you are expected to have your own personal car insurance policy. This coverage is quite limited (more details in the section below on what DoorDash liability covers). You will not have coverage when you are on your way to the restaurant or to pick up the order. This basic liability coverage is only offered if you are making an active delivery of food with an order in your car. It will also cover basic repairs for the other driver’s vehicle. It’s extremely minimal and protects DoorDash from being sued if you are at fault for an accident. Unlike other delivery company apps, DoorDash does offer basic liability car insurance for their drivers. DoorDash Offers Limited Liability Insurance Coverage With USAA, for example, you can get rideshare or delivery insurance coverage for as little as $6 per month. Or you can shop for a different independent contractor driver insurance altogether. You can call your own insurance company or log in to the app go to your account settings and update your car usage details. When you sign up for any policy, you need to provide information about how you’ll be using your car - for personal use and/or business purposes - and where and how far you’ll be driving. Not only won’t you be covered, but your auto insurance company could cancel your plan. This means if you get in an accident while making a DoorDash drop-off - even if it’s your first and only delivery - your standard policy will not cover you. This is because delivery driving is a specific exclusion for pretty much all personal auto insurance policies. You will need to add additional coverage or rideshare insurance to your current policy. But it’s not as simple as just leaving your regular car insurance policy as is and picking up orders for DoorDash (or other food delivery services). To drive for DoorDash, you need to have valid auto insurance. In This Article How Does Insurance Work for DoorDash Drivers? You can find many solid insurance options - to protect you in worst-case scenarios - at cheaper rates through other car insurance companies if you take a few minutes to shop around. While it’s the easiest way to go, it’s far from the cheapest. But just glossing over insurance talk can wind up costing you way more money.įor many, it’s easy enough for a driver to reach out to their own personal auto insurance carrier to let them know that they are dashing now and need to add on additional coverage. You’re dashing to earn extra cash, not to have to think about premiums and liability coverage. This means having good car insurance is critical. When you join DoorDash to deliver food - becoming a dasher - you’re likely making deliveries by car. This does not influence our recommendations or editorial integrity, but it does help us keep the site running. At no extra cost to you, some or all of the products featured below are from partners who may compensate us for your click.
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