Do You Deliver for Apps Like Uber Eats or DoorDash? Here’s What You Need to Know About Insurance.
If you drive for companies like Uber or Lyft and transport passengers for a fee, you probably know you must notify your insurance company or agent. But did you know this also applies to food delivery apps like Uber Eats, DoorDash, Grubhub, or Instacart—even if you only deliver once a month?
You might wonder why notification is necessary if you’re not carrying passengers. The answer is simple: driving extra miles for deliveries increases your risk of accidents. Informing your insurance company ensures you’re properly covered.
What Happens If You Don’t Notify Your Insurer? A recent incident highlights the risk. A driver delivering food was in an accident shortly after tapping the delivery app. When the driver filed a claim, their insurance denied it because they hadn’t disclosed their gig work. Thankfully, the other driver’s insurance covered the damages. But what if the other driver had been uninsured? The delivery driver would’ve faced out-of-pocket costs for vehicle repairs, towing, and rental cars.
Protect Yourself Before You Deliver If you’re considering earning extra money through food delivery, notify your insurance agent or carrier beforehand. Without proper coverage, you might not only lose the ability to deliver but also struggle to drive to your daily job if your car is damaged and uninsured.