Thinking about doing rideshare like Uber or Lyft, or even delivering food? You’re not alone. These companies are making big money while providing individuals with an additional outlet to make money. As this type of service continues to grow, ensuring you and your automobile are protected every step of the way is key. One thing you should be looking into is whether these corporate giants offer a car insurance for food delivery to ensure you and your passengers are covered. Most of the time, employees don’t even ask. In this climate, it’s best to ask instead of assuming. Find out more about these types of policies below…
What Types of Coverage Are Available?
There are several provisional policies available that are usually called Hired and Non-Owned Insurance. The company will provide limited coverage when the vehicles are operational. Your agent will be able to give you specifics once the company shares details on the type of coverage they issue to their employees driving on behalf of the company. Here are a few options:
Deliveries
The policy should cover deliveries and the liability associated with driving. It does not cover collision damage, which should be covered under your personal insurance policy to ensure you have coverage at all times.
Ride Share
Similar to the policy for deliveries, liability should rest with the company but they will not cover collision damage. Although this may seem unfair, companies rely on the operational portions of what the driver does to issue coverage. Working with your agent will help provide the best coverage that keeps your automobile safe.
Coverage Inconsistencies
There are a number of inconsistencies in these types of policies. It is very important to find out when your car is covered by the company, and when your car’s personal coverage start to take effect. Not knowing the intricacies of these types of policies could compromise your safety.
Coverage in Fisher, Indiana and Surrounding Areas
While you are trying to get information on the type of policy your employer may offer, you should also be concerned about carpooling. In most cases, carpooling will fall under your personal policy and may only go into effect under the company if you are providing carpool services for them. In terms of the right type of personal policy for yourself and your automobile, your agent should be able to provide sound recommendations on the type of policy you will need.
Every state is different in the types of requirements you must comply with. For rideshare and delivery drivers, you may have to have a special type of license if this is your main full-time profession. It’s easy to think you are covered when you may not have enough coverage in place. Don’t risk it – talk to your insurance agent and make sure the right provisions are in place. If you’re in Fishers, IN or the surrounding areas, the team at Butler Insurance is ready and able to assist with providing information on your delivery or rideshare policy from your employer. Depending on the type of driving you do, they may recommend you get a commercial license to cover all bases. At any rate, Butler Insurance can help with your personal policy to ensure you’re protected every day of the year. For more information, contact an agent today!
