Will I have to pay for damages in an accident as a Grubhub driver?

I was recently involved in an at-fault accident while driving for Grubhub. I have liability insurance, but when I called my insurer, they said they wouldn't cover the accident because it happened while I was making a delivery. Do I have to pay for the damage to my car and the other person's bills?

Apr 23, 2021
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Eric Schad
Answered at Apr 23, 2021
“Unfortunately, you’re on the hook for both your damages and the damages of the other driver. Grubhub doesn’t offer car insurance to its drivers, and insurers are within their rights to deny coverage to a delivery driver who only has a personal auto policy, so you’re on your own there.
For the future, consider paying some extra money to buy commercial car insurance or add a special business-use endorsement on your policy.”
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