08/27/2026
🚨 DO YOU DO DOORDASH, UBER EATS, INSTACART, UBER OR LYFT? READ THIS. 🚨
I saw a post today from someone whose vehicle was totaled while being used for DoorDash — and their personal auto insurance claim was denied.
It made me realize this is something a LOT of people may not know.
When people hear “rideshare coverage,” they usually think:
🚗 Uber
🚙 Lyft
👥 Driving passengers around
But depending on your insurance company and policy, using your vehicle to deliver food, groceries or other items for money can also change how your auto insurance responds.
That can include:
🍔 DoorDash
🥡 Uber Eats
🛒 Instacart
📦 Amazon Flex
🚗 Other delivery/gig apps
And here’s the part I really want people to understand:
⚠️ Having full coverage on your personal auto policy does NOT automatically mean your vehicle is covered while you’re making deliveries.
The delivery company’s insurance may provide certain liability coverage while you’re working, but that does not necessarily mean they’re going to replace or repair YOUR vehicle if you wreck it.
Imagine owing $20,000 on a vehicle, totaling it while delivering a $12 DoorDash order, and THEN finding out your personal policy excludes the claim. 😳
BEFORE YOU START A SIDE HUSTLE USING YOUR VEHICLE:
📞 Call your insurance agent.
Don’t just ask, “Do I have rideshare coverage?”
Tell them EXACTLY what you’re doing:
“I use my personal vehicle to deliver food/groceries for DoorDash/Uber Eats/Instacart. Am I covered while the app is on, while I’m waiting for an order, and while I’m actively making a delivery?”
Those details matter.
And parents — ask your teenage/young adult drivers too. You may have no idea they’re DoorDashing or delivering on the side.
A five-minute conversation with your insurance agent BEFORE an accident could prevent a very expensive surprise AFTER one.
McIntosh Insurance
📞 864-369-5500
If you’re doing gig work and aren’t sure how your policy handles it, give us a call. We’d much rather help you figure it out before there’s a claim. ❤️
