Due to the increased driving exposures of working for a food delivery company or a rideshare service app, a personal auto policy will not cover you. This is because business use is excluded from a personal auto policy, leaving an individual with a major coverage gap. I.E., No liability or physical damage coverage (Comprehensive or Collision).
Many companies may offer liability coverage; however, it will typically be “excess” coverage. This means your auto liability limits will have to be completely maxed before their coverage even applies.
There is good news, though; insurance companies can provide a business use endorsement on a personal policy or offer a commercial auto policy to fill in coverage gaps. However, until you inform your insurance agent or company, you are taking a chance at denied claims and possibly being dropped from the carrier in the event of an accident.
Have questions about your coverage? Looking for the right auto insurance policy? Give us a call, stop in, or fill out the form below. We are here to serve you and ensure you are covered correctly!