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?

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Eric Schad
Answered on Apr 23, 2021
Eric Schad has been a freelance writer for nearly a decade, as well as an SEO specialist and editor for the past five years. Before getting behind the keyboard, he worked in the finance and music industries (the perfect combo). With a wide array of professional and personal experiences, he’s developed a knack for tone and branding across many different verticals. Away from the computer, Schad is a blues guitar shredder, crazed sports fan, and always down for a spontaneous trip anywhere around the globe.
“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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