Working for DoorDash has its advantages but without sufficient insurance, you could wind up paying for accident and injury costs. If you drive anywhere in the United States, you must have a minimum level of insurance. How Does Doordash Insurance work? Learn more in our complete guide to DoorDash Insurance.
DoorDash provides two insurance coverage for Dashers.
Summarizing: DoorDash provides insurance to cover liability, injuries and certain other types of damage + accident insurance for all the drivers.
The relationship between DoorDash and the independent contractors is regulated by the DoorDash Agreement. If you didn’t read our complete guide to DoorDash driver requirements, here is a summary of the key requirements.
So, DoorDash requires that every driver has a valid insurance with the name on the policy. At this point it is important to understand how DoorDash insurance work. DoorDash does provide supplemental auto insurance in excess of your primary personal vehicle insurance. DoorDash insurance coverages are in effect from the time you accept a delivery request until the time the delivery has ended in the app.
Of course, while you are 'offline' or the Dasher app is off, your personal insurance company and coverages apply.In any case, DoorDash Insurance will not cover:
A common question is: What kind of car insurance do I need to work for DoorDash?DoorDash drivers are self-employed. To become a Dasher, you need to have a personal insurance.
The insurance companies require a ‘rideshare insurance’ if you drive for a ridesharing or delivery company, including:
Almost all personal car insurance policies contain a clause that specifically excludes the use of your vehicle for commercial activities. Driving for DoorDash is a commercial activity because you are using your car for business purposes. You take some risks if you do not change your vehicle insurance such as:
Using your vehicle for commercial purposes you will invalidate your policy, even for personal use. The only way to be fully protected is to carry a commercial insurance policy. Our advice is to call your insurance agent before you start driving for DoorDash.
DoorDash drivers are self employed and not DoorDash employees. The coverage applies to injuries and accidents while you are on active delivery.
To be clear, you are considered on active delivery from the time you accept a delivery request until the time your customer receives their order.
If you are in mode off, your personal insurance is your insurance policy. If you are online but you didn't accept a delivery request, your personal insurance is still your insurance policy.
DoorDash supplemental auto insurance does not replace your personal insurance. You need a personal vehicle insurance.
The insurance limits must be equal to or greater than the minimum requirements for the state where you drive. This policy will protect DoorDash couriers in case of an accident with up to one million dollars in coverage. Here is a quick look at what DoorDash insurance covers:
There are different coverages included in DoorDash insurance policies. The Occupational accident insurance coverage provides benefits to Dashers injured in a job-related accident.
DoorDash is a food delivery company and not an insurance company. They partner with a third part company to offer an occupational insurance to their drivers. DoorDash occupational insurance covers medical and lost income with an amount up to the policy limits. The coverage offers the following important benefits and protections:
*If there is a conflict between the information shown here and the actual insurance policy, the policy will govern. The policy is underwritten by Atlantic Specialty Insurance Company and placed by Aon (Aon Risk Insurance Services West, Inc – CA License # 036334).
If you are age 65 or over: survivors benefit, accidental dismemberment and paralysis benefits are reduced.
Some of the most common car accidents are minor and do not involve injuries. However, the collisions can still result in minor property damage to the cars. Leaving the scene of a car accident, even a minor one, can result in very serious consequences.
It is important to check that nobody, even from the other party, has hurt themselves and that no one needs medical care. Often after a car accident we run to verify the conditions of our vehicle, it is normal. Keep in mind that cars and motorcycles are almost always repairable.
In the event of an accident with injuries the absolute priority is to give them help.
You may need a police report to file a claim with your insurance company.
You should call the police from the scene to report the accident If the value of the damage is above around $1000.
If you are involved in an accident with serious damage to property or people, the vehicles should not be moved.
If you have been the victim of a traffic accident, the photographs can be a very important proof in your claim. The photographs of the accident scene:
Drivers must share and exchange insurance information after an auto accident.
You need to report your accident to DoorDash as soon as possible. Complete the DoorDash Incident and Accident Report Form.
You need to immediately report any accident in which you are involved to your insurance company. Failing to report an accident to your insurance company may result in significant complications or penalties down the road.
Following these tips you can avoid a traffic accident with all its consequences.
These coverages are available in all the states in the U.S., in all the cities where DoorDash is available.
No enrollment is required. Every DoorDash driver will automatically be eligible for occupational accident insurance coverage since October 1, 2019.
DoorDash insurance and occupational insurance are FREE. They are a benefit that DoorDash offers to all the Dashers.
If you are looking for a DoorDash Insurance phone number, you are at the right place. Follow these steps and you will learn how to file a DoorDash occupational claim:
DoorDash, like Postmates and Uber, has built a partnership with Stride insurance. So, DoorDash will not pay for your health insurance, but Dashers have access to affordable health insurance. The coverage is available in the U.S.A Bear in mind the open enrollment to sign up for health care begins November 1 and goes through December 15.
Understanding the details of insurance policies can be frustrating. I hope this guide was helpful to understand how DoorDash insurance works. If you are not yet a Dasher, you can sign up with our DoorDash affiliate referral code. Finally,We have lots of guides available for you. We recommend: DoorDash Background Check and Postmates vs DoorDash driver , how to make more with DoorDash.
We provide best resources and promo referral codes for rideshare and delivery drivers. Here is a series of 100% working promo codes that you might like and that will help you save or make money.
Get your $1,000 Lyft new Driver Guarantee
LYFT driver promotion
Get up to $1000 new Driver Sign-up Bonus
Get up to $800 Uber Eats sign on bonus
Uber Eats Referral Code