3 Reasons Why Delivery Drivers Need Special Car Insurance

​In the past, delivery drivers primarily used company vehicles like trucks and vans to deliver different products. Nowadays, many independent contractors drive their cars for Amazon or Uber Eats. If you’re delivering mail, food, or any product, find out why you need special car insurance to protect you on the road. 

Regular Car Insurance Is Not For Delivery Drivers
It is unlikely that your regular auto insurance will cover you if you’re using your vehicle to deliver food or any other product for payment. If you file a claim from your insurance company as you use your car for business purposes such as that, your claim may be denied.

Regular or personal car insurance is so-called because it is for a driver's individual insurance needs. If you’re using your car to deliver food, then you are driving for business and not for your transportation needs. It is also likely that your policy will have a specific clause regarding this saying that it will not cover ‘'driving your vehicle for commercial purposes.''

And if you have an accident while delivering food or products or any other driving for business and you are at fault, you may have to cover damages out of pocket. This includes damages to other cars, medical bills that were incurred by the driver or his passengers, and any additional costs.

Get Coverage Through Your Company
Your employer may provide specialized car insurance to deliver food and other items. This is called non-owned vehicle liability insurance intended for their delivery personnel. Ask your manager if they offer this type of insurance. 

If your company does not offer this kind of insurance, you may want to get your own commercial auto insurance coverage. Many insurance companies provide favorable policies. If you are already covered by personal car insurance, then it may only cost a small amount to add commercial coverage.

Get a Customized Delivery Driver Car Policy
It’s best to shop around. You may only need customized commercial or delivery driver auto insurance rather than complete separate coverage. Some companies have specific products like an insurance for Uber or rideshare coverage, etc. 

This growing number of customized insurance plans is due to an increased number of drivers using their vehicles in ways that were never a concern in the past. You definitely need special auto insurance to deliver products. Without this kind of insurance, you may not be covered should you meet an accident, especially if it’s your fault. 

Our agency specializes in helping individuals using personal vehicles for business usage and has multiple options for you to choose from. We understand how important your insurance investment is and we want to be sure you’re getting the best and most appropriate value for your money. Contact our agency today to learn more about how we can help protect you.