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Home » The Truth About Door Dash and Uber Eats Insurance: What You Need to Know as a Driver
December 6, 2023
Bargain Insurance Connection

The Truth About Door Dash and Uber Eats Insurance: What You Need to Know as a Driver

 

Door Dash and Uber Eats have become increasingly popular food delivery services in recent years. As a driver for these companies, you may have thought about the insurance coverage they provide. Unfortunately, the truth is not as simple as you may think. In this blog post, we will discuss what you need to know about Door Dash and Uber Eats insurance and how it affects you as a driver.

What Kind of Insurance Does Door Dash Provide?

Firstly, Door Dash only provides excess third-party liability insurance. This means that they will only cover damages that exceed your personal auto insurance limits, but only while you are in active delivery process. On the way to pick up an order or driving after drop-off, Door Dash does not provide coverage. If you have an accident during your delivery, you must file a claim through your own insurance company first. If you don’t have any insurance, Door Dash will not cover anything. This is important to keep in mind, because driving without insurance could potentially become a major financial liability.

 

Door Dash driver delivering food

 

You Must Let Your Insurance Company Know About Door Dash or Uber Eats!

Secondly, it’s crucial to let your insurance company know about your vehicle usage if you plan on driving for food delivery services. As a food delivery driver, you will be using your vehicle for commercial purposes, which is typically not covered under your personal auto insurance policy. With some insurance carriers, you may be required to switch vehicle usage to “business” or add rideshare coverage. This will help to avoid claim issues or denial.

Additionally, some insurance companies do not provide coverage for food delivery. This means that you will need to add food delivery to your policy, usually with an additional premium. It’s important to research your insurance options and find a policy that fits your specific situation.

 

Does Insurance From Uber Eats Differ? 

Thirdly, for Uber Eats drivers, the situation is quite similar. Uber Eats provides third-party liability insurance with limits of 50/100/25 while you wait and $1 million during the delivery process, meaning that your injury or property damage is not covered in most states. It’s important to keep in mind that you may need additional coverage to protect yourself.

 

In conclusion, while Door Dash and Uber Eats do provide some insurance coverage for their drivers, it’s important to understand the limitations of this coverage. As a driver, you should take the necessary steps to ensure that you are adequately covered while delivering food. This includes updating your insurance policy and communicating your driving status to your insurance company. Remember, being informed is key to protecting yourself financially as a Door Dash or Uber Eats driver.

 

Want to make sure you are insured while delivering, request a quote below and let us know in comments about vehicle usage or call us at 816.453.7722

 

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Categories: Blog

Tags: Insurance for Door Dash and Uber Eats

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