Here at Reis Insurance Agency in River Falls, WI, we’ve answered many questions about auto insurance for food delivery drivers, rideshare drivers, and other service providers. We understand that lots of local folks may want to earn extra money on a flexible schedule. Working for a restaurant or food delivery service can provide a great solution.
At the same time, it’s important to make prudent choices before you decide to use your car for work. In particular, you need to make certain you’ve got your driving well covered. Find out how food delivery jobs can impact your car insurance.
Will Your Personal Car Insurance Cover Food Deliveries?
Your personal auto insurance should cover your daily commute. At the same time, that coverage probably ends when you use your vehicle for work. Typical personal policies provide no or very limited coverage when you use your car to conduct business. Just as soon as you start using your food delivery app to accept orders, your insurance company has probably excluded your activity from coverage.
Because of this, many food delivery companies and restaurants will fill in this gap with their own hired and non-owner policies. They may offer liability insurance to protect their drivers and of course, themselves. If people can’t get reimbursed for damages or injuries by the driver of the other car, they’re likely to go after their employer.
Having a liability insurance policy to cover you while you make deliveries may help. Still, you may see two problems with relying only upon your personal insurance and your employer’s policy:
- The employer’s policies may only cover you while you’re actively delivering. What do you need to cover you while you’re waiting to accept an order or performing other driving that’s necessary but only indirectly related to delivering food?
- Typically, delivery services only offer liability insurance. Liability insurance helps pay for damages or injuries that you may have caused to another person. To fully protect your vehicle, you might also need collision and comprehensive insurance.
You might start by asking about adding rideshare endorsements to your personal policy. Even though food delivery isn’t exactly the same as picking up passengers, both of these types of work may cause similar problems with personal auto policies. These will help fill in coverage gaps. They may only add a few dollars a month to your premium and can provide you with peace of mind.
Food delivery auto insurance options will vary by insurer. That’s why it’s a good idea to get an insurance agent to help you understand which choices will work best for your unique situation. Rideshare endorsements aren’t available everywhere, so you might need to consider commercial car insurance. Some insurers also tailor these policies for the particular needs of self-employed delivery drivers.
Make Sure You’re Covered for Food Delivery Services
Having the right auto insurance for food deliveries will ensure that you don’t lose money because of one accident. At Reis Insurance Agency, we understand that you need an affordable and sensible solution. That’s why we’ll help you review your current policies, find coverage gaps, and shop for the best deals from high-quality car insurance companies. To get started, drivers should contact us today.