If you are a DoorDash driver, do you need special insurance? The answer is yes, you require special insurance if you drive with DoorDash. While you are “Dashing,” DoorDash offers excess liability insurance, meaning it only pays for damage you cause to other motorists and their vehicles after your personal vehicle insurance policy’s limits are exhausted. The company’s excess insurance policy never pays for your damage to your own vehicle or your injuries.

If you wish to avail car insurance, just get in touch with Steely & Smith Insurance and call us at at (215) 345-9410.

If you don’t invest in a car insurance policy covering you when you are working for DoorDash, you must pay out of your own pocket for all damage you cause when driving for DoorDash.

What Are Some Insurance Options for Dashers?

• Invest in a commercial auto insurance policy
• Switch over to an insurance company offering rideshare coverage
• Invest in rideshare coverage from a personal car insurance provider

A lot of insurance providers provide a cost-effective policy add-on, covering you when working for a business such as DoorDash. For example, with Steely and Smith’s business vehicle insurance, the policy covers any vehicles that the company owns and operates.  The insurance pays for all costs to a 3rd party that was injured or any property damage the company is legally liable for, up to the policy’s limits.  Based on the kind of coverage you have, your insurance also can pay for the repair or replacement of the automobile because of floods, theft, accidents, and other types of unexpected situations.

Some insurance companies cover working for DoorDash if you invest in a rideshare add-on, whereas other insurers require that you purchase an entirely separate commercial policy.

In addition, it is vital to keep in mind that personal auto insurance companies typically require that you disclose if you work for a delivery or rideshare company. If you don’t inform your personal auto insurance provider about working for DoorDash, they might cancel the policy and deny any claims.

Please feel free to contact Steely & Smith Insurance anytime! Our business vehicle insurance will help when need it the most. Call today if you live in the Doylestown, PA area at (215) 345-9410.