Getting a job as a food delivery driver for a service like Doordash or UberEats is becoming an increasingly popular way to make money. Whether you are a college student looking for grocery money, or someone with a full-time job who just wants to supplement your income and get some spending money, being a food delivery driver is a quick and easy way to accomplish this.
One of the perks of being a food delivery driver is that you are able to use your own car. Nothing is easier than getting into your car and opening an app. However, there are risks that come along with this, many of them related to liability and insurance.
Acquire Adequate Insurance
The first is that you want to make sure you have adequate insurance that will cover you in the event that you get into an accident while on the job. Many of these companies either do not provide insurance or their insurance only covers certain instances. Make sure that you talk to your employer about what type of insurance coverage you might receive from the company when you start working.
Sometimes, your company’s insurance policy will only kick in after you have used your personal insurance plan to cover damages. Other times, you may only be eligible to be covered by the policy if you were actively on delivery, which means you had the food in your car at the moment of the accident. Some policies don’t cover you if you are between deliveries, or don’t provide as much compensation. This makes it even more important to have the best policy possible to cover you if you get into an accident.
It is important to know that if you get into an accident while working for one of these companies but have not informed your insurance company that you use your car to deliver food, the insurance company may not cover you.
Have the Right Policy in Place
In addition, your insurance provider’s typical policies may not always cover you if you are a driver. You may have to find a specific policy offered by your insurance company. Talk to your provider to ensure that they have such a policy, and if they do not, you may want to look elsewhere. Keep in mind these policies might be more expensive than the one you are currently on. You may want to consider the expense before beginning to work as a food delivery driver.
Of course, avoiding an accident altogether is the best way to make sure that you are not paying anything out of pocket for medical bills or auto repairs. The best way to do this is to be diligent in following the rules of the road.