The pandemic has made it easier for more people to join the delivery driver profession. If you’re currently employed as a delivery driver, make sure you’ve got adequate insurance coverage. Learn about auto insurance for delivery drivers so that you are covered when working.
Delivery Driver Auto Insurance
You are not protected if you utilize your personal automobile to carry meals or goods. That implies that if you only have personal auto insurance, you’ll be responsible for any damage caused by being an Uber Eats driver, delivering pizza, or running a grocery delivery service. There are different methods for a delivery driver to receive coverage.
Check your employment contract first if you work for a large corporation. It’s possible that it provides hired and non-owned vehicle liability insurance. This will cover you if you get in an accident while working. Furthermore, your employer will pay for it, so you won’t have to worry about purchasing commercial auto insurance.
You could be covered by a firm’s insurance if you work for an on-demand delivery company. For example, if you drive for something like GrubHub, you might be protected under the firm’s delivery partner coverage. Some firms, on the other hand, do not provide insurance to their drivers. Instead, they ask that drivers have their own insurance. Because each firm has its own criteria, double-check everything before going forward.
The third alternative is the most frequent. To protect you while driving your car to deliver meals, you may buy commercial insurance. While this coverage might be more expensive, it can save you money in the long run if you’re in an accident. A business insurance policy should cover both property damage and bodily injuries. You’ll need to increase your personal liability coverage.
How is Commercial Auto Insurance Different From Personal?
When comparing vehicle insurance for delivery drivers to personal auto insurance, you’ll notice a lot of distinctions. However, the most significant difference is that it all boils down to the goal and breadth of coverage. Commercial vehicle insurance, such as non-owned vehicle coverage and truck insurance, is often a smart investment. You’ll have more coverage, so you’ll be safer.
Be Sure to Carry The Right Coverage
If you have an accident, your automobile insurance will defend you. You may get stuck with hefty expenses if you don’t have them. When attempting to generate a livelihood delivering food, it is usually better to be covered than to face a huge charge, so make sure you have the right coverage.
Insurance Navy specializes in pairing driving with the best, affordable car insurance coverage. Call us at 888-949-6289 to get started with your quote today. We also offer our services online via our website and mobile app or in person at any of our conveniently-located locations.