Doordash Insurance Requirements

Introduction

Doordash is a popular food delivery service in the United States that offers flexible and convenient part-time jobs to gig workers who want to earn extra money. However, working as a Dash driver or delivery partner for Doordash comes with a certain degree of risks, including accidents, injuries, and property damage. That’s why Doordash requires its drivers to have proper insurance coverage before they can begin working for the company. In this article, we will discuss Doordash insurance requirements in detail, including what types of insurance policies are needed, how much coverage is required, and how to obtain the necessary insurance coverage.

Doordash Insurance Requirements

Doordash requires all its drivers, also known as Dashers, to have a valid driver’s license, insurance, and registration. Dashers must maintain personal auto insurance that meets the following requirements:

It’s important to note that Doordash’s insurance policy only provides excess coverage, which means it will only kick in after the driver’s personal insurance has been exhausted. Additionally, Doordash’s insurance policy only covers accidents that occur while the driver is actively working on a delivery, and it does not cover accidents that occur while the driver is waiting for an order or driving to a pickup location.

How to Obtain the Required Insurance Coverage

To comply with Doordash’s insurance requirements, Dashers must obtain personal auto insurance that meets the minimum coverage requirements listed above. Dashers can obtain auto insurance from a variety of sources, including:

1. Personal auto insurance carriers
2. Specialty insurance companies that offer coverage for gig workers
3. Commercial auto insurance carriers if the Dasher uses their vehicle for business purposes other than food delivery

Dashers should contact their insurance carrier or broker to ensure that their policy meets the minimum coverage requirements for Doordash. They should also inform their insurance company that they will be using their vehicle for food delivery so that their policy can be properly rated and any potential coverage gaps can be identified and addressed.

Frequently Asked Questions

What happens if a Dasher does not have insurance?

If a Dasher does not have insurance that meets Doordash’s requirements, they will not be able to work for the company. Doordash requires all Dashers to provide proof of insurance before they can begin delivering.

Is commercial auto insurance required for Doordash?

No, commercial auto insurance is not required for Doordash as long as the Dasher’s personal auto insurance meets the minimum coverage requirements.

Does Doordash provide insurance to Dashers?

Yes, Doordash provides excess liability coverage to Dashers while they are making deliveries. However, this coverage only kicks in after the Dasher’s personal auto insurance has been exhausted, and it only covers accidents that occur while the Dasher is actively working on a delivery.

What should I do if I’m involved in an accident while delivering for Doordash?

If you’re involved in an accident while delivering for Doordash, you should follow these steps:

1. Check to see if anyone is hurt and call 911 if necessary
2. Exchange information with the other driver(s) involved in the accident
3. Take photos of the accident scene and any damage to the vehicles
4. File a claim with your personal auto insurance carrier
5. Report the accident to Doordash using the in-app incident report feature

What if I don’t have a car?

If you don’t have a car, you can still work for Doordash as a bike or scooter courier. However, you will still need to have personal liability insurance that meets Doordash’s requirements.

Conclusion

In conclusion, Doordash insurance requirements are in place to protect both the company and its Dashers. It’s important for Dashers to maintain personal auto insurance that meets the minimum coverage requirements listed above and to inform their insurance carriers that they will be using their vehicle for food delivery. With the right insurance coverage, Dashers can deliver food for Doordash with peace of mind and confidence.