Working as a food delivery person or rideshare driver can be challenging when you’re transporting people or goods. While no one wants to be involved in an accident, these things happen sometimes. If you’re working for a commercial organization, you automatically think you’re covered if something happens, right? That may not always be the case. Hopefully your company has you covered under a car insurance for food delivery policy, but checking with them to make sure is your first line of defense. Didn’t know there was a policy of this nature? Most people don’t. Want to find out more? Read on…
Driver Coverage in Park Falls Area
Getting driver coverage by your employer may be a possibility, especially if they have those provisions in place already. Even if they don’t, asking could put it on their radar. At the least, they could provide a limited policy which may include:
- Coverage for Drivers that Deliver Food
A Hired and Non-Owned insurance policy can be obtained for delivery drivers but it only has liability and does not cover collision damage. If you’re driving and get into an accident, you should be covered, but if the vehicle is stationary waiting for an order, you may not be. Although confusing, you should be able to get specific clarification from your insurance company or the company.
- Coverage for Drivers Who Rideshare
This provisional policy covers those who drive for Uber, Lyft and other rideshare companies. It also carries limited liability and no collision coverage. If you’re transporting passengers, your automobile should be covered, but if waiting on a call, you’re basically relying on your car insurance policy.
- Unknown Gaps in Coverage
If you’re driving under any of these circumstances, it’s always good to check with your insurance agent to find out where the gaps or lapses in coverage may be. The last thing you want is to think you have coverage and then get into an accident and find out you don’t. It is very easy to have gaps in coverage and not be aware of it.
Is Carpooling Covered?
You should consider carpooling to be covered under a personal insurance policy unless carpooling for a commercial entity. If this is the case, you should be covered under their policy.
Make Sure Your Personal Policy Is Adequate
When driving your vehicle, it’s important to have the right insurance policy. If you’re driving your vehicle for business purposes for a commercial entity, you want to make sure their policy will cover you or you have enough insurance protection in place. The first place to check is the requirements of your state to ensure you are following what’s mandated by law. Depending on how much you drive for commercial purposes, you may have to obtain a commercial license. Work with your agent to find out what you need.
Insurance You Need in Park Falls, WI and Surrounding Areas
Getting the right insurance means working with your agent to make sure your coverage in Park Falls and the surrounding areas protects you, your vehicle, and passengers that you may be transporting or other deliveries. Your agent will be able to give you all the information you need and questions you need to ask your employer if doing deliveries or transporting passengers on their behalf. If you need a commercial license, your insurance agent will be able to assist with that as well. For more information on insurance that will cover you as a delivery or rideshare driver, call First National Insurance today.