Driving for Instacart?
MAKE SURE YOUR INSURANCE COVERS YOUR DELIVERIES! With more people sheltering in place to reduce the spread of COVID-19, delivery services like DoorDash, GrubHub, and Instacart have become incredibly popular, as more people are using and making deliveries for these services. To work for these companies, all you need is a car and a smartphone, and you can start making deliveries right away. However, while starting work with these companies might be simple, the outcome can be incredibly difficult should you get in an accident while on a job. Few of these companies provide car insurance for their drivers to protect them if they get into an accident. Some companies, like DoorDash, do offer the option to purchase auto insurance, but others, like Instacart, offer no such protection. The burden falls entirely on drivers to secure their own coverage. Unfortunately, few of these drivers realize that their everyday consumer car insurance does not usually cover accidents that occur when making food deliveries. This kind of insurance policy, called courier vehicle insurance, must be purchased separately — if it is offered by the insurance provider at all. Some insurance providers have extended protections to cover delivery drivers during the height of the pandemic. For example, Liberty Mutual extended coverage temporarily to grocery and delivery drivers as demand for these services increased. This temporary coverage ended in May and, like other insurance providers, Liberty Mutual does not offer insurance coverage for food delivery services. For this reason, we suspect there are many delivery drivers on the road today who have no idea that they are not covered. Vehicle damage caused by a car accident can cost thousands of dollars. Injuries caused by a car accident can result in tens of thousands in medical bills. And deaths caused by a car accident can end in a
wrongful death suit worth millions. These are costs auto insurance helps pay for. If you get in a car accident and you’re not covered by insurance, you could be on the hook for the costs of all the damage and injuries sustained by you and any other drivers or passengers involved. Not sure if you’re covered? Give us a call now! We will verify whether or not you are covered for accidents that occur during deliveries. This FREE review is offered only to our newsletter readers and current clients. If you or your child have been using these app-based delivery services as a source of income during the pandemic, make sure you are covered before your next delivery.
review of the month
“Great team! Always very helpful; they treat you like family. Definitely worth the trip! Everyone works together to get you the best results!” –Sherrad A.
2 • SPADALAWGROUP.COM
Made with FlippingBook flipbook maker