If you’re a driver delivering items for places like GrubHub or Door Dash, or operating as a rideshare driver for Lyft or Uber, you may think the company covers you. That’s not always the case. You may think auto insurance by the company should be automatic, but many companies have their ways of doing things and that may not necessarily work in your favor. Imagine sitting in your car waiting for someone who needs a ride and you get hit. Even if the company covers you under car insurance for food delivery policy, if you aren’t working with the item or passengers in the car, you may be out of gas – literally. Don’t keep yourself in the dark – find out more about these types of policies below…
Getting the Right Policy
Your employer may have a policy called Hired and Non-Owned Insurance. This will provide limited coverage, but it’s always best to speak with your agent to make sure you are fully covered at all times. Although it’s no fun having the extra insurance when you’re driving for a corporate entity, you’ll thank yourself if you get into an accident. Here are a few options:
· Delivery Driver Insurance
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 personal insurance policy to ensure you have coverage at all times.
· Ride Share Insurance
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.
· Coverage or Not?
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.
Keep the Right Coverage
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 personal insurance to be fully covered. Your personal 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 Maki Insurance can provide quotes and provide recommendations for insurance coverage in Anthem, AZ, and the surrounding areas.
Whatever you do – don’t stress. You’ll be in great hands working with the team at Maki Insurance. For more information on delivery or rideshare insurance policies, contact an agent at Maki Insurance today!