Do you intend to become a delivery driver for DoorDash? There are certain insurance requirements that you are expected to fulfill. Hence, it is important to have substantial knowledge of DoorDash insurance requirements before signing up for the job.
DoorDash drivers are required to have auto insurance coverage that enables them to work as independent contractors for the company. Beyond this requirement, there are quite a number of insurance requirements that DoorDash expects from their drivers.
In order to get detailed and explanatory information about DoorDash insurance requirements, ensure you read to the end of this article.
What Are DoorDash Insurance Requirements?
Generally, drivers who wish to work with DoorDash are expected to have the state minimum coverage for their personal car insurance policy. Aside from this, drivers must be 18 years of age or older. The vehicle to be used must also be in good condition and capable of performing the daily task of making deliveries and other services specified by DoorDash.
The requirement for DoorDash depends on your insurance company and the state requirements. So, it is important to check if you’ll need commercial and personal insurance in order to meet the DoorDash insurance requirements.
Nevertheless, we have highlighted several coverages that are required for DoorDash insurance. They include the following:
- Business-use Coverage: When driving for DoorDash, this is one of the insurance requirements that you should have. You can add business coverage to your auto insurance policy; this would help guarantee protection when the vehicle is being used for business.
- Commercial Coverage: If you use your vehicle for DoorDash deliveries only, then you are expected to include commercial coverage in your auto insurance policy. Commercial coverage offers protection for vehicles used by businesses.
- Personal Coverage: Although your personal coverage may not be able to offer protection for the vehicle you use for business, there are some insurance companies that may add a notation to your personal policy that states that the vehicle is being used solely for business. However, this option attracts a high premium and is also dependent on how frequently you use the vehicle.
Overall, if you’re a DoorDash driver, ensure you seek sufficient coverage options from your insurance provider and as specified by DoorDash. Review if your current policy covers driving for business and commercial purposes; if not, you can switch your auto insurance coverage to a company that offers comprehensive coverage for delivery drivers.
How to Save on Your Car Insurance for DoorDash
In order to effectively carry out your delivery task without constraints, consider these options:
- Drive an affordable used car that does not attract a high cost of repair compared to new ones.
- Compare quotes from multiple car insurance companies to get the best offer.
- Check if you qualify for discounts from your insurance provider. If so, utilize it.
- Choose an insurance provider that allows you to bundle your car insurance with home insurance.
- Choose a policy with the highest deductible that enables you to pay with ease.
While all of these options are highly important, we also recommend that you purchase your own liability, collision, and comprehensive car insurance before signing up for the job of a driver at DoorDash.
FAQs
How much does obtaining DoorDash insurance cost?
The cost of DoorDash insurance largely depends on the driver’s state, the insurance company, and the type of policy you want to get.
However, when purchasing DoorDash insurance, you may also decide to purchase some form of business coverage from your insurance company. Auto insurance costs about $1,500–$4,500 per year for the average driver. The point to note is that the cost actually depends on the state in which you reside and your insurance company.
What happens if I get into an accident while delivering for DoorDash?
Accidents can bring about a wide range of unforeseen damages and losses. If you are involved in an accident in the process of delivering for DoorDash, the ideal thing to do is to notify DoorDash about the occurrence immediately.
They will be able to offer certain coverage options for the damages incurred. Although your personal insurance may not be able to cover you, it is essential to inform your insurance company as well.
Does DoorDash provide insurance for its drivers?
Yes, DoorDash offers some liability coverage for its drivers. However, there are limits to the type of coverage it offers, as they vary depending on the circumstances surrounding a claim. We advise that you review the terms of the insurance provided by DoorDash and obtain a commercial policy for optimum protection.
What type of insurance do I need as a DoorDash driver?
The general insurance requirement for a DoorDash driver is liability insurance that can cover the damages and injuries incurred in the event of an accident. While DoorDash may provide some coverage to an extent, it is important to consult a qualified insurance agent who will enlighten you on tips that guarantee adequate protection.
