What Auto Insurance in Mississippi Covers Gaps in Delivery Driver Policies?

auto insurance MississippiIf you have a side gig delivering food or transporting people, you can reach your financial goals more quickly. However, it’s important to make sure that you have the right insurance coverage while on the job.

If you drive for Uber, Lyft, or an online delivery service, it’s important to have the appropriate policy that takes into account your responsibilities and liabilities as a delivery driver. There are different types of auto insurance in Mississippi that can help you cover various contingencies while working for ridesharing and delivery services. Fortunately, many rideshare companies provide insurance while you drive for them. However, you may have gaps in your coverage that we can address when you visit a Hawsey Insurance agent near you.

Why Delivery and Rideshare Drivers Need More Insurance?

If you use your vehicle for food delivery or to provide rides, you need special insurance to cover you on the road. Whether you work for Uber, Lyft, DoorDash, or similar services, you need more coverage than the state minimum requirements. Usually, you can get an endorsement that protects you while conducting work-related driving.

It’s not a good idea to leave your insurance company in the dark when it comes to driving contract gigs. If you don’t have coverage and get into an accident while on the job, your personal car insurance in Jackson, MS, will probably deny the claim.

Delivery drivers and rideshare contractors need commercial insurance to protect them in case of an accident.

Here are just some situations in which you need commercial auto insurance in Mississippi:

  • Cargo delivery: Truck or freight cargo involves a complex commercial insurance package.
  • Food delivery services: Contractors that deliver meal kits, drinks, groceries or meals need commercial auto insurance.
  • Courier delivery services: You need business car insurance if you deliver bulk parcels such as legal documents.
  • Ridesharing: If you transport people for Uber, Lyft, or another rideshare service, you need more than just personal car insurance.

What Do Rideshare Companies Cover?

A rideshare insurance policy typically covers you while you wait for a ride and drive to pick up and drop off a passenger. It does not include any personal use of your vehicle.

Does Personal Car Insurance in Southaven, MS, Cover Deliveries and Rideshares?

When you log out of Uber or Lyft, your personal car insurance in Southaven, MS, kicks in. This includes the time you spend logged in and waiting for another assignment.

Uber provides insurance for its drivers that includes uninsured/underinsured motorist, liability, collision, and comprehensive coverage (with contingencies).

Additionally, we can help you check your personal auto insurance in Mississippi to see if you have access to a rideshare endorsement. It’s a good idea to walk through the differences between your personal auto insurance, rideshare insurance, and commercial auto insurance with your agent.

If you get into an accident without the proper coverage, you can end up being responsible for medical bills and property damage caused by a work-related accident.

You can get the right commercial auto insurance in Mississippi with the help of an experienced agent.

Hawsey Insurance provides rideshare and delivery auto insurance in Mississippi. If you need additional car insurance in Jackson, MS, contact us today for a free quote. Do you deliver groceries or transport people as a main or side job? Find out more about the best insurance for you. We serve clients in Mississippi and the surrounding states.