Food delivery and rideshare workers may run into issues when it comes to having adequate car insurance coverage. One of the main things most of these workers forget to ask when they are hired is whether their vehicle, items being transported, and passengers will be protected under a company-owned policy. Forgetting to ask puts all the liability on the driver, which isn’t good. Most companies have some sort of car insurance for food delivery policy in place or one that covers rideshare drivers. It’s always better to find out in the beginning. Interested in finding out more? Here’s where you can find out what you need to know…
Coverage for Drivers
When asking about company auto insurance coverage, it’s important to find out what type of coverage and what it actually covers. The policy may be very limited and leave you vulnerable to getting sued. Work with your agent and show them the policy so they can make adequate recommendations. Here are some types of coverage your employer may offer:
· Delivery Food Driver
Individuals delivering food may be covered under the company’s Hired and Non-Owned insurance policy. This policy should cover the driver and their automobile in certain circumstances, but does not cover any damage sustained from a collision. Doesn’t sound like too much coverage, right? That’s why you should be working with your agent to ensure you, your automobile and passengers have adequate protection.
· Ride Share Drivers
This addendum is a lot like the delivery food driver add-on, but specifically covers individuals who are rideshare drivers for companies like Lyft, Uber, etc. It’s important to find out what this policy will cover, especially when transporting passengers from one destination to another. You don’t want your personal insurance being in jeopardy when you’re driving for a commercial entity.
· Coverage Gaps
Because employer policies may be very limited, you are in a position where you may have coverage gaps you aren’t aware of. Your insurance agent will be able to help you determine whether you should have additional coverage on your own policy, or give you questions to ask your employer.
How Does Carpooling Work?
In instances like these, carpooling may be covered under your personal policy. Again, if you are transporting customers for a commercial employer, it’s best to check and see what their policy covers.
Pick the Right Policy
Your insurance agent is responsible for giving you the right recommendations on the type of policy you should have if delivering food or operating your vehicle for a rideshare company. Having the right policy in place can make a difference and keep you from having extensive damage that you will personally be responsible for. Each state operates differently – Known what you need before you need it. Depending on how often you drive, you may be required to obtain a commercial driver’s license.
Get Coverage from Mayville Insurance
When you’re unsure about the type of insurance you need and whether your employer’s policy offers the coverage that will provide the best protection, it’s time to speak to an insurance agent. The team at Mayville Insurance can provide information to help make an informed decision. While working as a delivery or rideshare driver is popular, nothing beats knowing you have protection at all times – even if you need to have a commercial license. For more information on the types of insurance your employer may offer and the types of insurance you need, contact an insurance agent at Mayville Insurance today.