Yes, you need special insurance to drive for DoorDash. While you’re driving for DoorDash, the company provides excess liability insurance, which means it will only pay for damage that you cause to others and their property after your personal car insurance policy’s limits have been exhausted. DoorDash’s excess insurance policy will never pay for your injuries or damage to your own vehicle.
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.
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 Allstate’s coverage only costs about $30-$120 annually. 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.
It’s also important to note that personal car insurance companies usually require you to disclose if you drive for a rideshare or delivery company. If you do not tell your personal car insurance company about driving for DoorDash, they may cancel your policy and deny your claims.
For more information, check out WalletHub’s guide to rideshare insurance.
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