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DoorDash Driver Requirements and Insurance Coverage

What are the Requirements to be a DoorDash Driver? Insight From the Best Food Delivery Accident Injury Attorneys

Just like the ridesharing business, the food delivery service companies like DoorDash have attracted drivers all over the country to work for them due to the possibilities of setting up their own work schedule, being their own boss, quick turnaround for payment, and not having to deal with riders getting into their personal vehicles.

According to data collected by Second Measure, meal delivery services saw year-over-year growth of 24 percent collectively through the end of March 2020. After Postmates, DoorDash is the most popular food delivery service in Los Angeles.

In the first quarter of 2020, DoorDash saw 58% of its customers use them exclusively — one of the highest percentage of exclusive customers in the food delivery service industry. 

Much like other similar food delivery service apps, it’s fairly easy to sign up to do deliveries for these companies. In the case of DoorDash, their requirements are:

  • Must be 18 or older
  • iPhone or Android smartphone
  • Any car, scooter, motorcycle, or bicycle (depending on the market)
  • Driver's license number
  • Clean driving record
  • Car insurance (if driving a car)
  • Social security number
  • Consent to a background check

However, just because you have your own car and pay the insurance every month doesn’t mean you’re good to go to work as a food delivery driver. Sure, your personal insurance will suffice to sign up for these independent contractor gigs, but in the event of an accident — like a car crash— you would probably end up getting the short end of the stick, since your insurance most likely wouldn’t cover it.

Since doing these types of jobs requires an additional commercial or business-use policy, your personal insurance most likely won’t cover any damages. And since these companies don’t usually cover their independent contractors, you’ll end up with the short end of the stick.     

In order to work for companies like DoorDash, drivers need a personal auto insurance policy that covers the commercial use of a car. The rates for business use of a car are significantly higher than the ones for personal use, and that is because the risks of being on the road increase due to: 

  • The frequency of driving
  • The time spent driving
  • Where one drives
  • The distraction issues related to keeping an eye on the order and the navigation 

Commercial and business-use policies are designed to cover the risks when you use your personal car for commercial uses. Food delivery services are still a novelty, and the insurance industry is still adapting to the changes. That’s why it’s very important to check with your current insurance carrier on what your options are in terms of coverage if you’re considering working as an independent contractor for food delivery services.

Even if you do it only part time, driving for DoorDash is a commercial activity because you are using your car for business purposes. If you have an accident while you are online in the app, your insurance will probably not cover it given you used your vehicle for commercial purposes.

For its drivers, DoorDash requires them “to maintain [their] own insurance, in the amounts and of types required by law which includes, but is not limited to, an auto insurance policy. If [they] fail to maintain [their] own insurance, DoorDash's coverage may not apply.”

DoorDash provides excess auto insurance for its drivers, but only for property damage or bodily injury caused to third parties. In the event of an accident, the driver’s personal auto insurance policy would serve as the primary coverage. If the damages exceed the delivery driver’s policy and the accident happened when the driver was on active delivery, DoorDash’s contingent liability policy of $1 million would only then go into effect. Furthermore, this contingent liability policy only applies if the driver was in possession of goods to be delivered, meaning if they were driving from the restaurant to a delivery but not to a restaurant for pickup.

Starting June 2019, all U.S. Dashers (what they call their drivers) will automatically be eligible for occupational accident insurance coverage at no cost, which in the event of an accident will cover:

  • Medical expenses: Up to $1,000,000 with no deductible or co-pay
  • Disability payments: Up to $500 a week
  • Survivors payments: Up to $150,000 for eligible dependents

West Coast Trial Lawyers Is Here to Help

If you are a victim of a food delivery accident, West Coast Trial Lawyers have experienced personal injury attorneys that will work tirelessly to ensure that you are getting the maximum financial and medical compensation you deserve. An attorney at our firm can help you recover financial compensation for the losses you have suffered, including medical bills, property damage, lost wages, and more.