Lilah Butler, Car Insurance Writer
@lilah_c
Yes, you need special insurance to drive for DoorDash. If you do not tell your personal car insurance company about driving for DoorDash and purchase additional coverage, they may cancel your policy and deny your claims.
In most states, DoorDash provides third-party liability insurance to pay for other people’s injuries and property damage that you cause, but it only kicks in after your personal car insurance policy has denied your claim. So, if you do not purchase an auto insurance policy that covers you while you're driving for DoorDash, you will have to pay out of pocket for any damage that you cause while driving for the company. Plus, DoorDash's insurance policy will never pay for damage to your own vehicle.
Insurance Options for DoorDash Drivers
- Purchase rideshare coverage from your personal auto insurance company.
- Switch to an insurance company that offers rideshare coverage.
- Buy a commercial car insurance policy.
Many insurance companies offer an inexpensive policy add-on that will cover you while driving for a company like DoorDash. For instance, State Farm says its rideshare coverage will add about 15%-20% to your premium, and Mercury offers rideshare insurance for about $27 per month. However, each insurer treats delivery driving differently. Some insurers will cover driving for DoorDash if you purchase a rideshare add-on, while others will require you to buy a separate commercial policy.
For more information, check out WalletHub's guide to rideshare insurance.
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As I am married to an insurance agent who is licensed in 48 of the 50 states. You DO NOT need commercial insurance to drive food. You need commercial insurance for Rideshares to protect PEOPLE. Food and or item delivery loss wouldn't even cover your deductible and would surely suffer no injury requiring medical attention. Therefore no need to cover the food as a commercial policy. You are literally paying more for absolute b*ll*cks.
I know Ohio law states that rideshare does not include delivering food. Rideshare is classified as driving people like a taxi from one location to another. I looked further into this with different insurance companies that offer the Rideshare add on. They told me I would be covered as a Door Dasher, but when they looked further into it, they found out that they were giving people wrong information and that rideshare does not include deliving food. So, I stayed with my commercial auto policy even though it's more expensive to make sure I was covered.