Thinking about becoming a driver for GrubHub or Door Dash? What about driving for Uber or Lyft? If you are considering working for these companies, one of the first things you need to establish is whether you have insurance coverage or not. Companies like these usually have a car insurance policy for food delivery policy that provides limited coverage, but they are VERY limited. You may even be in a situation where it’s better to have your policy cover you at all times. The last thing you want is for something to happen, and you aren’t covered. The key is to get the right type of policy that provides coverage on and off the clock. Read more about these types of policies here…
A Policy You Can Count On
Many employers have Hired and Non-Owned Insurance. As a driver, this may not work for you as it is very limited. Your insurance agent will be able to advise you on the proper steps and type of insurance coverage you need. Once you find out more about the employer policy, your agent will be able to guide you correctly. Here are a few options:
· Insurance for deliveries
The policy should cover deliveries and the liability associated with driving for delivery services like Uber Eats, Grub Hub, and Door Dash. It does not cover collision damage, which should be covered under your insurance policy to ensure you have coverage at all times.
· Insurance for rideshare
If you’re driving for Uber, Lyft or some other rideshare service, you may have this type of policy provision. While this is very similar to the policy for deliveries, liability should rest with the company but they will not cover collision damage.
· When do I need coverage?
When do you have coverage, and when has it lapsed? Once you find out you are covered in some capacity by your employer, it’s up to you to contact your agent to find out how much insurance you really need when driving on the clock. It’s always better to know.
Knowing the Coverage You Need
No matter how much coverage your employer provides, it’s always a good thing to inquire about those instances where you may question it. If carpooling, you may have to use your insurance to be fully covered. Your policy should have provisions to step in when you encounter lapses in the company policy if there is one.
One of the most important reasons why you should be talking to your agent every step of the way is to get the best rates and find out whether you have additional requirements, such as the need for a commercial license. The requirements in each state differ, and there are many other factors at play when determining your car insurance rate and the type of coverage you need.
Putting yourself in the driver’s seat when getting your car insurance straight is a priority. Your agent will save you time and money while helping make an informed decision. The team at Tagge Insurance can provide quotes and provide recommendations for insurance coverage.
Knowing what you need and the steps to take to get an insurance policy that works for you is key. The team at Tagge Insurance will help get you on the right track. For more information on obtaining coverage and remaining in compliance for delivery and rideshare services, contact an agent at Tagge Insurance today!