Even though I have only been at Cardinal Insurance for a few months, I have learned many things about insurance that I never thought I would need to know! Being a regular Uber user and knowing friends who supplement their income by delivering food, this topic was particularly interesting to me.
Let’s dive in:
My child delivers pizza, am I covered by my personal auto policy? I am delivering food for an independent food delivery service (i.e. Delivery Dudes, Door Dash, etc.), do I need business (aka “commercial”) auto insurance?
Let’s unpack this a little. As a rule, if your personal vehicle is being used for anything other than commuting, you should ask your insurance agent about purchasing commercial auto insurance.
Generally speaking - personal insurance policies don't like business exposures. The policy is loaded with exclusion for the business use of a vehicle. This means - no liability coverage to protect you if you hit someone, no medical payments coverage, no coverage for physical damage to your car and no coverage if your hit by an uninsured motorist.
Here are a few things to consider:
Does the company you work for provide a vehicle?
My name is Anna and I just started working at Cardinal. I am new to the insurance business, but I have already learned so much. I have many questions about insurance, as I'm sure is the case with many of you. While I may not have the answers - I will be picking the brains of the Cardinal Insurance Team. Shoot me an email with your questions - and I will get the answers! mailto:email@example.com