Will My Personal Auto Insurance Cover An Accident Delivering Food?

Updated: May 18

If you are looking to pick up some extra cash as a delivery driver for DoorDash, Uber Eats, Instacart, Grubhub etc. and using your personal vehicle, be aware of possible gaps in coverage.

If you start delivering food and get into an accident, your personal car insurance may not cover the damage. Insurance companies consider food delivery to be a business use of your vehicle.

Some auto insurance companies provide a rideshare endorsement, that will provide coverage that might otherwise be excluded. Make sure the endorsement covers delivery. Some do and some do not. You need to read your auto policy carefully to see if delivery is covered.

If your current auto insurance does not have any options, look for a personal insurance policy that covers delivery or purchase commercial auto insurance. Commercial auto insurance policies are bit more expensive than a personal policy, but they will provide the protection you need.

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