Should I Add Business-Use Coverage to My Auto Insurance When Driving for DoorDash?

Published: January 14, 2021

SHOULD I ADD BUSINESS-USE COVERAGE TO MY AUTO INSURANCE WHEN DRIVING FOR DOORDASH?

If you’re driving for DoorDash or a similar food delivery service, you might be wondering if you need additional coverage for your car insurance. The answer is a definite yes. Driving for delivery services is considered "business use," and failing to add the necessary coverage could leave you vulnerable in the event of an accident. Let’s dive into why business-use coverage is essential for delivery drivers.

What Is Business-Use Coverage?

Most standard auto insurance policies are designed for personal use only, meaning they cover you when you’re driving for non-business purposes. However, when you’re delivering food or goods for a service like DoorDash, you’re considered to be using your vehicle for business purposes. This increases your exposure to risks, such as accidents, because you're on the road more often than the average driver.

Business-use coverage is an add-on to your insurance policy that specifically covers you while driving for a business, including food delivery. It ensures you're properly protected if you get into an accident while delivering food, even if it’s not your fault.


Why Is Business-Use Coverage Important for DoorDash Drivers?

If you’re driving for DoorDash and get into an accident without business-use coverage, you might find yourself in a tough spot. Without this extra coverage, your insurance may not pay for pain and suffering. Instead, you’ll only be entitled to special damages, which include:

  • Property damage (your car, or another vehicle)
  • Reasonable medical expenses for treatment

This is better than nothing, but it might not cover the full extent of your damages, especially if you’ve sustained serious injuries or lost wages.

A Real-World Scenario

Let’s look at an example. Suppose you’re delivering for DoorDash and get into an accident. The other driver is at fault, and their insurance policy limit is $100,000. If you don’t have business-use coverage, your insurance might only cover special damages (like property damage and medical bills) up to the minimum required. However, if you’ve added business-use coverage, you could potentially recover:

  • $60,000 for medical bills
  • $40,000 for pain and suffering
  • This is a substantial difference in what you could be entitled to after an accident.


Why You Shouldn’t Risk It

If you’re driving for DoorDash without business-use coverage, you’re underinsured. While your insurance may cover the basics like property damage, you won’t have the protection you need for serious injuries or lost income. Business-use coverage is relatively affordable and can make all the difference if you're involved in a car accident. It ensures that you're properly compensated for medical expenses, lost wages, and even pain and suffering.

Contact Us for Legal Help

If you’ve been in an accident while driving for DoorDash or any other delivery service, it’s crucial to consult an experienced auto accident attorney. At Mercado & Sacramento, PC, we understand the challenges delivery drivers face, and we’re here to guide you through the legal process to ensure you get the compensation you deserve. Contact us today.


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