Auto Insurance For Ride-share And Delivery Drivers In New York – If you plan to drive for GrubHub, you should make sure you have the required GrubHub insurance. The most important takeaway is that you need to get carpool coverage. Without this type of coverage, you won’t be protected if you get into an accident while driving through GrubHub, as the company doesn’t offer any auto insurance. Read on for more details on coverage and everything you need to know.

To make it less stressful for you to get GrubHub insurance or any other auto insurance, our experts have reviewed the top auto insurance providers to determine which are the best in the industry.

Auto Insurance For Ride-share And Delivery Drivers In New York

Auto Insurance For Ride-share And Delivery Drivers In New York

Depending on your age, GrubHub requires that you have been driving on your license for at least a year or two. Those over the age of 19 must have a valid driver’s license for at least two years, while those over the age of 18 must only have a valid driver’s license for one year.

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In terms of insurance, the company only requires that you “have auto insurance” of some kind. GrubHub does not officially have a minimum level of coverage. Although GrubHub does not require a specific level of insurance, your auto insurer will. You need to understand that requirement to make sure you have the coverage you need.

Note that GrubHub also has other requirements that are not related to auto insurance. You must be at least 18 years old, have a semi-recent smartphone with a data plan and have a checking account.

We mentioned that the company itself doesn’t have any official GrubHub insurance requirements other than that you have “auto insurance.” This theoretically means you could keep the minimum coverage required by your state. However, your auto insurance provider will require you to take out carpool insurance.

Carpool insurance is necessary because standard auto insurance plans will not cover any commercial delivery, including GrubHub. This is true whether you have full coverage or only the minimum liability coverage required by your state. You need a separate commercial policy to cover delivery services or any other commercial use of your car.

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Ridesharing insurance covers this gap by giving you additional coverage when you use your car for work through a ridesharing app or as a delivery driver.

Getting rideshare insurance will do more than just provide coverage if you drive for GrubHub. It also offers coverage for any other ridesharing services, including:

As a note, if you are considering driving for any of the companies above, please follow the appropriate links to learn more about their specific insurance requirements.

Auto Insurance For Ride-share And Delivery Drivers In New York

Insurance companies require this type of coverage for several reasons. One is that you are working commercially, and as mentioned, commercial use is not covered by standard auto insurance. The other reason is that you’ll be on the road more often if you drive through GrubHub or another service. Being on the road increases the risk of an accident more, which therefore increases the risk of an insurance claim and payout.

What Is Rideshare Insurance?

As you think about your GrubHub insurance, remember that GrubHub itself does not offer any car insurance to its independent contractors. This is a very important difference with other applications. Uber Eats, for example, charges from the time you pick up an item until you drop it off. GrubHub does not provide you with this coverage.

In practical terms, this means that unless you have carpooling coverage, you won’t be covered for any accidents that happen while you’re logged into GrubHub. Your regular auto insurance wouldn’t cover your work for GrubHub because it’s considered a business activity, which isn’t part of standard plans. This means that you will have to pay for the property or personal damage yourself.

However, with carpool coverage, your insurance company will approve your claim. Ridesharing coverage is specifically designed to fill this gap in coverage and ensure you’ll have coverage while working for GrubHub.

The good news is that you can get carpool insurance coverage from most major insurance companies. You should expect to pay about $300 extra per year on your insurance when you add carpool coverage. That’s an extra $25 a month.

Are You Covered As A Rideshare Or Delivery Driver?

That said, you can also find cheaper prices by shopping around. This can be especially true if you qualify for discounts. Be sure to ask your insurance agent about discounts you may be eligible for. These vary across the insurance industry, but most companies offer at least several potential discounts.

Most importantly, you shouldn’t omit carpool coverage from your auto insurance policy if you drive for GrubHub. If you do not receive ridesharing coverage, your insurance company will not cover damages or injuries from accidents that occur while you have the GrubHub app activated. This means you would have to pay out of pocket for any damages or medical bills if you are at fault.

The good news is that not only do most major insurance providers offer ridesharing or GrubHub insurance, they make it very easy to add this coverage. You can easily add coverage at any time, even to your existing policy.

Auto Insurance For Ride-share And Delivery Drivers In New York

The other bonus is that, as mentioned above, ridesharing insurance will also cover you while driving on other ridesharing apps. This way, you can take on additional work without worrying about having to get more auto insurance coverage. You will have it.

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As mentioned, all major insurance providers offer carpool insurance. That includes all of our top recommendations. We suggest you consider GEICO, Progressive or State Farm for your auto insurance, including carpool coverage.

Our experts gave GEICO an overall score of 9.1 out of 10.0. This includes a rating of 9.4 for cost, 8.5 for coverage and 9.0 for customer experience. It also includes a 9.8 for industry reputation. In addition to rideshare coverage, GEICO also offers other great add-ons, including breakdown insurance, roadside assistance, classic car insurance, and rental reimbursement.

Progressive earned an overall rating of 9.1 out of 10.0. It scored a 9.1 for industry reputation. Progressive also earned a 9.0 for coverage, a 9.3 for cost and an 8.9 for customer experience. Progressive offers most of the extras on our recommendations. In addition to rideshare cover, you can get classic car cover, a deductible savings account, the value of customer parts, loan or lease payments, accident forgiveness and roadside assistance.

State Farm is another of our top picks, scoring 9.1 out of 10.0 overall. Like our other recommendations, State Farm earned a 9.9 for industry reputation. It also received a 9.0 for coverage and cost, and an 8.8 for customer experience. As with our other recommendations, State Farm offers more extras than rideshare coverage. You can also get rental cover, travel expenses, classic car cover and roadside assistance.

Do I Need Special Insurance To Drive For Uber Or Lyft?

No, GrubHub does not offer insurance. The only exception to this is in California, where there is a health insurance subsidy. Note that this is for health insurance, not car insurance. It also requires you to enroll in an eligible California health insurance plan and meet the minimums for active lead times.

Yes, you must have carpool insurance if you drive for GrubHub. Without this coverage, you will not be covered for any accidents that occur while driving through GrubHub or even when you have the app open looking for an order.

GrubHub verifies your insurance by requesting proof of insurance. The company may also contact your auto insurance company to verify your coverage.

Auto Insurance For Ride-share And Delivery Drivers In New York

Yes, and the reason is that driving for DoorDash, like driving for GrubHub, requires carpooling insurance. Adding this carpool coverage will usually make your rates go up. However, it’s unlikely to increase your rates by more than about $300 a year or $25 a month. Partner Content: This content was created by a Dow Jones Business Partner and independently researched and written by the editorial staff. Links in this article may earn us a commission. learn more

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Rideshare insurance fills the coverage gap between your personal auto insurance and the commercial auto insurance provided by your rideshare employer

Written by: Daniel Robinson, Written by: Daniel Robinson Writer Daniel is a staff writer for Guides and has written for numerous automotive news sites and marketing companies in the US. USA, UK and Australia, specializing in car financing and care. Daniel is an authority on the Guides team on auto insurance, loans, warranty options, auto services and more. writer

Edited by: Rashawn Mitchner, Edited by: Rashawn Mitchner Managing Editor Rashawn Mitchner is a Guides team editor with over 10 years of experience in personal finance, lending, insurance and collateral. Senior Editor

When you sign up to be a rideshare driver for Uber, Lyft, or any company that needs to transport customers or goods for money, you may be required to purchase ridesharing insurance. If you are in a car accident while driving for one of these companies and you do not have carpool insurance, your personal liability auto insurance policy may not cover the cost of the damages and you could even lose your coverage.

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