Delivering food? Here's the car insurance you need.

Core Insights - Delivery drivers for platforms like DoorDash and Uber Eats face potential insurance gaps when using personal vehicles for business purposes, which can lead to financial risks in case of accidents [3][7][9] Group 1: Insurance Coverage for Delivery Drivers - Most personal auto insurance policies do not cover business use, which includes making deliveries [3][6] - Delivery platforms may provide some insurance, but coverage often only applies during specific stages of the delivery process [4][5] - Gaps in coverage are most likely when drivers are logged into the app but have not yet accepted an order, leaving them potentially uninsured [7][8] Group 2: Specific Platform Insurance Details - Amazon Flex offers $1 million in auto liability coverage and contingent comprehensive and collision coverage, but requires drivers to have their own comprehensive and collision insurance [10] - DoorDash provides $1 million in liability coverage from the time an order is accepted until delivery is completed or canceled [11] - Postmates offers $1 million in supplemental liability coverage that activates once a delivery is accepted [12] - UberEats provides up to $100,000 in bodily injury liability and $25,000 in property damage liability once drivers are logged in and awaiting orders [13][14] Group 3: Options for Filling Coverage Gaps - Delivery drivers can consider rideshare insurance as an add-on to their personal auto policies or opt for commercial insurance if rideshare options are unavailable [15][18] - Companies like GEICO and Progressive offer rideshare insurance that can cover delivery drivers, while State Farm and USAA provide options that may include business use endorsements [17][19]