Does your child deliver food or goods for work, but use his or her own vehicle? If so, It is great that your child has a job and is earning their own money. The modern world of convenience is offering us many new ways to get food and almost instant retail deliveries, but what you should know is that your standard auto insurance policy likely does not cover you for delivery type services.
Insurance Coverage for Delivery Drivers for Uber Eats, DoorDash, Postmates, Grubhub, EZCater and more.
Regardless of what you deliver, a personal auto insurance policy doesn’t provide coverage for paid delivery drivers while you are working. For this, you need a commercial auto policy or an endorsement on your personal auto insurance policy.
A commercial auto insurance policy is needed for:
- Freight delivery
- Food delivery services
- Courier delivery services
- & many more!
What happens if you get into an accident while on the job?
Simply not telling your insurance company that you or your child is using their vehicle for deliveries does not mean they will cover you when a loss occurs using the vehicle during work hours.
In fact, when it comes to insurance, it is a black and white coverage decision. Either there is coverage or there isn’t. If you don’t have an endorsement or commercial auto policy, you won’t be covered if you get into a car accident.
When deciding what coverage you need, ask yourself these questions:
- Who owns the vehicle you’re using for delivery? If it is owned by the company, they probably have a commercial policy. If you own it, you need to carry the right insurance.
- How are you using this vehicle? Delivery drivers need a commercial insurance policy or an endorsement.
Your best bet is to talk to a licensed agent in our office to discuss your insurance needs. We will break down your options so you have the proper auto insurance coverage if you use your own personal vehicle for deliveries.
Remember, simply not telling your agent or your company that you or your child is using the vehicle for delivery doesn’t mean you’ll be provided coverage regardless of any auto insurance claim you have to deal with.