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?

Answer
“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. “
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Shannon Martin
Answered on Apr 13, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
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