PriceProtect™
DriveShield™
GarageGuard™
Services
Insurance
Car Insurance
Compare Car Insurance with Jerry
Jerry’s Expert Advice
Car Insurance Estimates
Home & Renters Insurance
Renters Insurance
Loans
Car Loan
Compare Car Loans with Jerry
Jerry's Expert Advice
Car Loan Guides
Repairs
Car Repair Estimates
Repair Estimates for Popular Services
Advice
Read Car Content
Browse Jerry Car Advice
Check Out Expert Car QnA
Learn About How We Create Content
Jerry Data & Research
Do I need different car insurance to deliver food?
I got into an accident on a food delivery and the police said that both drivers are at fault for the accident. My car insurance said I might not be covered because I was on a delivery. Is that true?
Shannon Martin · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“The short answer is: it depends. Whether you are driving for a delivery app service or a mom-and-pop pizzeria, it will depend on your insurance provider.
Depending on your insurance company, you may need a commercial policy instead of a personal policy to use your vehicle for business, even infrequently. If you are not covered for deliveries, your insurance company will deny coverage for the claim. They would send you a written denial of coverage when their investigation is complete.
You may be able to file a claim through the other party’s insurance. This would depend on your state’s comparative negligence laws.
When getting quotes for a commercial delivery policy, keep in mind that a
rideshare policy
is different. Rideshare is for companies like Uber and Lyft and can be covered on a standard policy. “View full answer
- Gregory R.
WHY YOU CAN TRUST JERRY
Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
Join 4M+ members in lowering their car insurance
You Might Also Be Interested
Read Advice From Car Experts At Jerry
What Others Are Asking
Browse More Content
Insurance in Your State
Easiest way to compare and buy car insurance
No long forms
No spam or unwanted phone calls
Quotes from top insurance companies
