Insurance Gaps with Food Delivery Apps

If you’re using your personal vehicle to make deliveries for a food delivery app, it’s important to understand any potential coverage gaps in your personal auto policy. 

One potential gap in coverage could be if you are involved in an accident while making a delivery. Many personal auto policies exclude coverage for accidents that occur while the vehicle is being used for a commercial purpose. This means that if you get into an accident while making a delivery, your personal auto policy may not provide any coverage for damages or injuries. 

Another potential gap in coverage could be for damages to your vehicle that are a result of making deliveries. For example, if your car is damaged while making a delivery, your personal auto policy may not cover the repairs. 

To protect yourself and your vehicle, it’s important to consider purchasing a commercial auto insurance policy. This type of policy is specifically designed to cover vehicles that are used for business purposes, including making deliveries. 

In addition to commercial auto insurance, it’s also a good idea to check with the food delivery app to see if they offer any type of coverage for drivers. Some apps may provide a limited amount of coverage for damages or injuries sustained while making deliveries. 

Overall, it’s important to be aware of any potential coverage gaps in your personal auto policy. By understanding your coverage options, you can ensure that you and your vehicle are properly protected while on the job. So, it is always better to be cautious and take the necessary measures to keep yourself and your vehicle safe. 

Interested in more information, contact your Hertvik Insurance Group professional to learn more about insurance gaps with food delivery app.