Am I Still Covered if I Drive for Uber or Deliver Pizza?
Many of us may know someone, or perhaps you have yourself, performed a side job to earn a little extra income. You have probably never considered what the insurance implications are if you were involved in a motor vehicle accident while driving for Uber or delivering pizza. But what many people do not know is that their side job could cost them more in the end if they are not properly insured. Am I covered by my personal insurance policy? There is a standard clause in most personal automobile insurance policies that most people are not aware of. Personal auto insurance policies provide coverage for one’s personal needs only. Generally, personal automobile policies exclude coverage if the automobile is being used for commercial purposes, such as carrying property or persons in exchange for a fee or compensation. This would include using your personal vehicle for the following services: Uber/Lyft; UberEats; Pizza delivery; Limousine or shuttle driver; UPS and Fedex delivery; and Any other type of employment which requires the transportation of property or persons, excluding farming and ranching. The same may apply if the car was borrowed and used for commercial purposes. If you are a parent that allows your child to borrow the family car for delivering pizza, you should review your policy. Am I covered if I carpool with co-workers? If you participate in a shared-expense car pool, one in which everyone in the car pool proportionately contributes to cover the actual travel expenses, you should still be able to insure your vehicle under a personal auto policy rather than a commercial auto policy. What should I do if I’m not covered? Check with your employer if coverage is available through them. You should also call your insurance company to see if they could provide supplemental coverage or they may advise/assist you in switching to a commercial policy. Experienced Insurance Attorneys HD Law Partners is an experienced full-service litigation law firm representing institutional, corporate, and private clients. With over 50 years of collective litigation experience, you can count on HD Law Partners to provide you with practical, strategic legal advice and effective representation designed to help you reach your goals. Contact us today and find out how we can help. Posted in Auto Insurance | No Comments » Connect with us Archives May 2026 April 2026 March 2026 February 2026 January 2026 December 2025 November 2025 October 2025 September 2025 July 2025 June 2025 January 2025 January 2024 December 2023 November 2023 October 2023 September 2023 August 2023 July 2023 June 2023 May 2023 April 2023 March 2023 February 2023 January 2023 December 2022 November 2022 October 2022 September 2022 August 2022 July 2022 May 2022 April 2022 March 2022 November 2021 October 2021 September 2021 August 2021 July 2021 May 2021 April 2021 March 2021 February 2021 January 2021 December 2020 November 2020 October 2020 August 2020 July 2020 June 2020 May 2020 April 2020 March 2020 February 2020 January 2020 December 2019 November 2019 October 2019 September 2019 August 2019 July 2019 June 2019 May 2019 April 2019 March 2019 February 2019 January 2019 December 2018 November 2018 October 2018 September 2018 August 2018 July 2018 June 2018 May 2018 April 2018 March 2018 February 2018 January 2018 December 2017 November 2017 October 2017 September 2017 August 2017 July 2017 June 2017 May 2017 April 2017 March 2017 February 2017 January 2017 December 2016 November 2016 October 2016 November 13 Categories Alimony Appellate Arbitration Auto Accidents Auto Insurance Business Corporate Business Insurance Law Child Custody Child Support Criminal Law Divorce Family Law FEMA Insurance Payments Florida’s Mandatory 2‑Hour Legal Professionalism CLE: Foreclosure Defense Fort Myers Hurricane Insurance Attorney General Guardianship HD Law Partners Service HOA/Property Management Homeowners Association Homeowners Insurance Hurricane Claims Hurricane Insurance Insurance Bad Faith Insurance Claims Insurance Defense Insurance Litigation Landlord Tenant Law Enforcement Liability Loan Modifications Mold Water Damage Parental Rights Paternity Personal Injury Premises Liability Law Prenuptial Agreements Private Security Property Distribution Property Owner Law Sarasota Insurance Litigation Attorney Slip Fall Tampa Business and Corporate Attorneys tampa family attorney Tampa Insurance Attorneys Timeshare Timesharing Uncategorized HD Law Partners is proud to be your trusted full-service law firm Quick Links Property & Casualty Business & Corporate Litigation Family Law Contact Us Careers Get In Touch 2002 North Lois Avenue Suite 510 Tampa, FL 33607 813-253-5333 Contact Us