Does DoorDash Require Insurance in 2024? (Yes, Here Are the Details)
Driving for DoorDash provides flexible income opportunities. However, before hitting the road you likely have some questions. Specifically, does DoorDash require car insurance in 2024?
I thoroughly researched DoorDash‘s insurance requirements for 2024. Here‘s a comprehensive look at what coverage you need plus tips for filing claims.
Do You Need Personal Insurance to Drive for DoorDash?
Yes, DoorDash requires all delivery drivers to carry personal auto insurance that meets their state‘s minimum liability limits.
For example, here are common state minimums:
| State | Requirements |
|---|---|
| California | $15,000 injury liability per person, $30,000 total bodily injury per accident, $5,000 property damage liability |
| Florida | $10,000 personal injury protection (PIP) and $10,000 property damage liability (PDL) |
| New York | $25,000/$50,000 bodily injury per person/accident, $10,000 property damage, $50,000 uninsured motorist |
So check your state‘s specific minimums, which typically range from $25,000-$50,000 in injury coverage.
Why require personal insurance? Because you are an independent contractor, DoorDash does not provide primary insurance. So your personal policy protects you if an accident happens outside of an active delivery.
When Does DoorDash‘s Company Insurance Apply?
DoorDash holds a commercial auto policy that provides liability coverage from the time you accept a delivery request until completion.
Details on DoorDash‘s company insurance:
- $1 million per incident limit
- No deductible for drivers
- Covers bodily injuries or property damage to third-parties
So if an accident happens while fulfilling an order, DoorDash‘s insurance would pay injured parties up to $1 million, taking the place of your personal policy.
Having this contingent coverage is crucial protection given over 20% of rideshare drivers report being in an accident on-the-job.
What If You Suffer an Injury on the Job?
DoorDash also provides occupational accident insurance that works similarly to workers‘ compensation:
Covered benefits
- Medical treatment
- Disability payments
- Death benefits to survivors
To file an injury claim:
- Report injury to DoorDash within 24 hours
- File claim with your state workers comp board
- Provide all documentation
Having this extra medical/lost wage protection is invaluable due to the injury risks of driving for a living.
Key Takeaways
- DoorDash requires personal auto insurance meeting state minimums
- DoorDash‘s commercial policy covers deliveries – so both policies work together to protect you
- Promptly report injuries to access occupational accident coverage
So ensure you have adequate personal insurance before delivering for DoorDash!
