DoorDash is a delivery platform that connects customers with local restaurants and retailers. As a DoorDash driver, you are an independent contractor, which means you are responsible for your own expenses, including your car insurance. However, DoorDash has recently introduced an insurance policy that provides coverage for accidents that occur while on an active delivery. In this article, we’ll discuss everything you need to know about DoorDash insurance, including what it covers, how to file a claim, and more.
What is DoorDash Insurance?
DoorDash insurance is a policy that provides coverage for accidents that occur while making a delivery for DoorDash. This policy is active when you are on an active delivery and only covers damages caused to third-party property or bodily injury to third parties. The policy is provided by DoorDash’s insurance partner, and the coverage limits can vary depending on your location.
What Does DoorDash Insurance Cover?
The DoorDash insurance policy covers the following:
Coverage |
Description |
Third-party property damage |
Covers damages caused to third-party property, such as another vehicle or a building. |
Bodily injury to third parties |
Covers medical expenses and lost wages of third parties who are injured in an accident while you are on an active delivery. |
It is important to note that the DoorDash insurance policy does not cover damages to your own vehicle or bodily injury you sustain in an accident.
How Much Coverage Does DoorDash Insurance Provide?
The amount of coverage provided by the DoorDash insurance policy can vary depending on your location. In many cases, the policy provides up to $1 million in liability coverage for third-party property damage and bodily injury.
When Is DoorDash Insurance Active?
The DoorDash insurance policy is active when you are on an active delivery. An active delivery means that you have accepted a delivery and are on your way to pick up the food or goods for delivery. The policy is not active when you are waiting for a delivery or driving around between deliveries.
How to File a DoorDash Insurance Claim
If you are involved in an accident while on an active delivery for DoorDash, you should follow these steps to file a claim:
- Check for injuries: If anyone is injured, call 911 immediately.
- Document the accident: Take photos of the accident scene and get the contact information of any witnesses.
- Report the accident to DoorDash: Contact DoorDash support and report the accident as soon as possible.
- File a claim: Fill out a claim form with DoorDash’s insurance partner.
It is important to note that you should never admit fault or offer to pay for damages at the accident scene. Let the insurance companies handle the situation.
Frequently Asked Questions
Does DoorDash provide insurance to drivers?
Yes, DoorDash provides insurance coverage to drivers while on an active delivery.
Is DoorDash insurance mandatory for drivers?
No, DoorDash insurance is not mandatory for drivers. However, it is highly recommended that you have your own insurance policy as well.
Does DoorDash insurance cover damages to my own vehicle?
No, the DoorDash insurance policy only covers damages caused to third-party property or bodily injury to third parties.
What is the process for filing a DoorDash insurance claim?
If you are involved in an accident while on an active delivery, you should check for injuries, document the accident, report the accident to DoorDash, and file a claim with DoorDash’s insurance partner.
What should I do if I am involved in an accident while not on an active delivery?
If you are involved in an accident while not on an active delivery, you should follow your own insurance company’s procedures for filing a claim.
What happens if I don’t have my own insurance policy?
If you do not have your own insurance policy and are involved in an accident while not on an active delivery, you will be responsible for all damages and medical expenses.
Conclusion
DoorDash insurance provides coverage for accidents that occur while on an active delivery. While the policy does not cover damages to your own vehicle or bodily injury sustained by you, it can provide peace of mind when making deliveries. If you are a DoorDash driver, it is important to understand the coverage provided by the policy and how to file a claim in the event of an accident.
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