Rideshare and Delivery Insurance in the USA and Canada: Are You Covered?

Many new drivers assume their personal auto insurance covers them while driving for Uber, Lyft, DoorDash, or Instacart. In reality, standard personal auto policies exclude commercial and delivery activities. If you get into an accident while delivering food or transporting a passenger without proper coverage, your insurer can deny your claim completely.

While major platforms provide limited contingent liability insurance while you are actively on a trip, there is often a coverage gap while the app is on and you are waiting for a request. Before you start driving, contact your insurance provider to ask about a rideshare endorsement or commercial delivery add-on. It usually costs only a small monthly fee and protects you from devastating out-of-pocket repair bills.