Your personal auto insurance policy likely won’t protect you if you are in a car accident while on the job as a DoorDash delivery person.
In recent years, a lot of people have turned to flexible work opportunities like becoming a DoorDash or Uber driver to help pay the bills. Jobs like this are great because you use your own vehicle to make money, and you can choose to work as many or as few hours as you can manage. But what happens if you are in a car accident while on the job?
We found a great article in Car and Driver magazine outlining what you need to know if you use your car to work as a DoorDash driver or another similar job. Generally speaking, a traditional personal auto insurance policy won’t protect you if you are involved in an accident while on a delivery — it protects you during the personal use of your vehicle, but not business use. It’s important that if you are using your personal vehicle for work, you call your insurance agency and talk about your coverage options. The last thing you want to happen is for an accident to occur, resulting in damage to your vehicle or, even worse, serious injury to you or someone else.
The bottom line is that if you’re using your car to make money, your insurer will consider it business use, and they will require special coverage on your policy. If you don’t let your insurer know that you use your vehicle for business purposes, you may not be covered if you have an accident, and your policy might even be canceled. A quick phone call to your insurer can help you avoid being in a difficult position if you are ever in a car accident while on the job!