Using your personal car for delivery or rideshare services? You might not be covered. Here’s what every Uber, DoorDash, Instacart, and Amazon Flex driver needs to know.
The Risk: Personal Use vs. Business Use
Most personal auto insurance policies do not cover business use of your vehicle. This includes:
– Food delivery (DoorDash, Grubhub, Uber Eats)
– Grocery delivery (Instacart, Shipt)
– Rideshare driving (Uber, Lyft)
– Package or goods delivery (Amazon Flex, courier services)
If you’re on the clock and get into an accident—even if it’s minor—your claim could be denied.
What Happens If You File a Claim?
If you’re driving for work and your policy doesn’t include the right endorsements:
– Your insurance company may deny the claim
– You could be liable for damages and injuries
– Your policy might be canceled
– You could face lawsuits or out-of-pocket costs
What’s the Right Coverage?
You may need one of the following:
– A rideshare or delivery endorsement added to your policy (offered by some carriers)
– A commercial auto insurance policy for full-time or high-volume delivery work
Each insurance carrier treats this differently. That’s why it’s crucial to work with an independent agent who can review your specific situation.
Talk to an Independent Agent Today!
At Connor Insurance, we help you understand your risks and try to find the right protection—whether you’re delivering dinner or driving people home safely. Don’t assume you’re covered!