Why You Need Special Car Insurance if You’re Going to Be a Delivery Driver

Many drivers going to a supermarket for groceries or a restaurant for lunch are covered by their personal car insurance. Drivers renting a car to visit family members in another state are covered by clauses in their policy. There are some situations, though, in which a driver wouldn’t be covered by personal car insurance in Ponte Vedra Beach, FL.

Delivering Part One

You manage a convenience store. Every morning when you open, you review the previous day’s business and deposit the money you took in at the bank. You have no idea you’re performing a business task. You’re only going to the bank. Your insurance company doesn’t see it that way.

You need a new phone. The power bill rose beyond what you can pay. The car needs tires. You need to bring in some extra money, so you decide to deliver for Amazon or Door Dash as an independent contractor. Save up that extra money, because you’ll need new car insurance.

Delivering Part Two

Commercial businesses with fleets are covered by commercial insurance. Food companies don’t cover their drivers, and only a few have company vehicles covered by commercial insurance. Therefore, a driver delivering something with only personal car insurance in Ponte Vedra Beach, FL, wouldn’t be covered. The risk is greater for the delivery driver. If there’s an accident, his or her policy could be canceled on the spot. If the insurance company does cover the accident claim, the policy could be canceled immediately after that.

Delivering Part Three

No insurance company wants to see you lose the job that gives you the income you need to pay them. That’s why they’ve come to understand that many people need second jobs as delivery drivers. Policies have been established that are just for delivery drivers. These might be called “Uber Eats” policies or something like that.

At ThompsonBaker, a trusted Florida insurance company since 1925, we offer auto policies for all types of vehicles from a variety of carriers. Our agents will inquire about your driving habits to make sure your policy is tailored to your personal needs.

Visit us today at Sitename to start the process of getting a free, no-hassle quote.