As online shopping has become increasingly popular, the demand for delivery drivers has risen. Many people have taken on this role to earn extra income or even as a full-time job. However, what many people don't realize is that delivery drivers are not covered on their personal auto policies.
Personal auto policies are designed to cover the driver and their passengers for personal use only. This means that if you get into an accident while delivering goods for a company or as a freelance driver, your insurance company may deny your claim.
Why are delivery drivers not covered on personal auto policies?
Delivery driving is considered a commercial activity. Personal auto policies are not designed to cover commercial activities. Commercial activities come with different risks than personal use, and therefore require a different type of insurance.
If you are using your vehicle for commercial purposes, you will need a commercial auto insurance policy. Commercial auto insurance policies are designed to cover commercial activities, such as delivery driving.
What can happen if you don't have the right insurance?
If you get into an accident while delivering goods and you don't have the right insurance, you could be held liable for any damages or injuries that result from the accident. This means that you could be personally responsible for paying for any damages or injuries that occur. This can be financially devastating, and could even result in bankruptcy.
What should you do if you are a delivery driver?
If you are a delivery driver, it is important to make sure that you have the right insurance coverage. This means knowing exactly what coverage the delivery platform provides and what coverage you will need on your own. Some personal insurance companies provide options to cover delivery, if it is not a full time job, but that varies significantly amongst carriers.
Delivery drivers are not covered on personal auto policies by default. If you are a delivery driver, call your Rathbun Insurance Agent today to make sure that you have the right insurance coverage to protect yourself and your passengers in the event of an accident. Don't take any chances - make sure you have the right insurance before hitting the road.