Why Your Personal Auto Policy Might Not Be Enough
If you use your personal vehicle to deliver food, groceries, or goods, your standard car insurance likely won’t cover you while you’re on the job. This is because most personal auto policies exclude accidents that occur during work-related activities. Without the right coverage, a single incident could leave you financially vulnerable.
The Problem with Personal Auto Insurance
• Most personal policies exclude business use of your vehicle.
• Claims from accidents while delivering may be denied.
• You could be left responsible for:
- Vehicle repairs
- Medical expenses
- Liability for injuries or property damage
Are You at Risk of Being Underinsured?
You may need to consider additional coverage if you deliver for:
- Food delivery apps (like DoorDash, Uber Eats, Grubhub)
- Grocery services (like Instacart)
- Local businesses (like restaurants, florists or pharmacies)
What Kind of Coverage Do You Need?
Commercial Auto Insurance
- Best for full-time or frequent delivery drivers
- Covers business use and higher-risk activities
Delivery or Rideshare Endorsements
- Add-on to a personal auto policy
- Suitable for part-time or app-based delivery work
Employer-provided Coverage
- Some platforms offer limited insurance
- May only apply during active deliveries—not while waiting or between jobs
Contact Your Agent
Driving for delivery services can be a great way to earn income, but it also comes with unique insurance risks. Understanding the limits of your personal policy and securing the right coverage can help protect you from costly surprises.
Contact the helpful insurance experts at Deeley to discuss your policies today. Call or text 410-213-5600.
