What are the DoorDash insurance requirements?

If you’re thinking of getting a job with DoorDash, or if you already have a job as a delivery driver, you may be curious what the DoorDash insurance requirements are when it comes to driving your personal vehicle.

DoorDash makes it clear on the company website that it requires drivers to have a valid driver’s license, current car insurance, and a clean driving record. The good thing, DoorDash does not require any business or commercial insurance coverage, and drivers only need to carry their state’s minimum insurance requirements.

Do you need insurance for DoorDash?

To drive for DoorDash, you will need to carry at least your state’s minimum requirements when it comes to car insurance. Additionally, you will need to be 18 years or older, have a valid driver’s license, possess a clean driving record, and maintain a valid DoorDash driver account.

Most states in the U.S. require at least liability coverage for vehicles to drive legally. Depending on where you live, you may also be required to carry additional coverage with an insurance company.

The table below shows each U.S. state requirement for car insurance.

Minimum Liability Coverage Requirements by State

In order to drive for DoorDash, you need to carry at least what your state requires in the table above.

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Should DoorDash drivers carry additional car insurance coverage?

DoorDash insurance coverage requirements are lenient, but it’s not a bad idea to carry more than what your state requires when it comes to car insurance.

In most states, meeting the requirements for car insurance will not help you pay for damage to your vehicle if you’re the person at fault in an accident. Additionally, liability coverage will not help you repair your car if it’s been vandalized or damaged by inclement weather.

The most common types of car insurance coverage that people add to a liability-only policy include:

• Comprehensive coverage: Covers your vehicle if it is stolen, vandalized, or damaged by weather
• Collision coverage: Covers your vehicle if you are in a car accident
• Medical payments: Covers any injuries that occurred because of a car accident
• Uninsured/underinsured motorist: Covers your vehicle if another driver is at fault in an accident but does not carry the proper insurance

Suppose you drive a good bit for DoorDash. In that case, you may want to purchase a full coverage policy, which would include comprehensive and collision coverage, along with other coverage types like medical payments.

What happens if I am in an accident while driving for DoorDash?

If you are driving for DoorDash and you’re in an accident, you should contact your insurance company. If you are on an active delivery — meaning you are either heading to the merchant to pick up the items or from the merchant to the customer to deliver them — the DoorDash commercial car insurance coverage may cover a portion of the fees.

But if you’re driving away from the customer’s home or you’re not on the clock with DoorDash, you will need to call on your personal car insurance policy.

If you’re making a DoorDash insurance claim, you will want to collect as much information as possible. DoorDash only covers your car after you have filed a claim with your personal insurance company. While making DoorDash insurance claims can be a simple process, it’s hard to know exactly how much the coverage will help.

Does DoorDash offer health insurance?

DoorDash has started to offer health insurance through Stride Health, which offers life, health, dental, and vision coverage. If you work for DoorDash, you may be eligible for health insurance through a Stride Health insurance plan.

As a DoorDash delivery driver, it’s a good idea to utilize the benefits of your job as much as you can. If you have specific questions about your eligibility for a DoorDash car or health insurance, you can call and speak to a DoorDash representative.

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Case Studies: DoorDash Insurance Requirements

Case Study 1: Meeting Minimum Requirements

John, a DoorDash driver from California, had the state’s minimum liability coverage as required by DoorDash. One evening, while making a delivery, John accidentally rear-ended another vehicle, causing significant damage. He promptly reported the incident to his insurance company and DoorDash.

Since John’s personal insurance policy covered the accident, DoorDash’s commercial insurance didn’t need to be involved. The damages were assessed and compensated by John’s insurance, and he continued working for DoorDash without any issues.

Case Study 2: Additional Coverage for Comprehensive Protection

Sarah, a DoorDash driver from Texas, decided to enhance her insurance coverage beyond the state’s minimum requirements. She purchased a full coverage policy, which included comprehensive and collision coverage. One stormy day, while parked near a restaurant, a falling tree branch damaged Sarah’s vehicle. She immediately contacted her insurance provider and DoorDash to report the incident.

As her comprehensive coverage covered the damages, Sarah’s personal insurance company handled the claim. DoorDash’s commercial insurance didn’t need to be involved. Sarah appreciated the additional coverage she had chosen, as it helped her repair her vehicle without significant financial burden.

Case Study 3: Delivering Outside of Active Delivery Periods

Michael, a DoorDash driver from New York, got into an accident while driving his personal vehicle. However, he was not on an active delivery for DoorDash at the time. Michael promptly contacted his personal insurance company to report the accident and gather the necessary information.

Since the accident occurred outside of an active delivery period, DoorDash’s commercial insurance didn’t apply. Michael’s personal insurance policy handled the claim, covering the damages and ensuring a smooth resolution.

 

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