Insurance Basics for Dashers

To dash, you need valid personal auto insurance meeting your state's minimum requirements. DoorDash doesn't require additional insurance — but many personal auto policies don't cover vehicle damage during deliveries. To protect your vehicle while dashing, consider switching to a personal auto policy that includes delivery work such as State Farm’s delivery-friendly policy or a commercial auto policy, which is written for business use and covers active delivery.

DoorDash doesn't require special insurance beyond valid personal auto coverage. However, many standard policies are designed for personal driving and may not cover vehicle damage while dashing. Check with your insurer to understand what your policy does and doesn't cover — and whether a personal auto policy that includes delivery work makes sense for you (such as State Farm’s delivery-friendly policy).

Personal auto policies are designed for everyday driving — commuting, errands, trips. When you use your vehicle for delivery work, your insurer may classify that as “business use,” which can affect whether claims for vehicle damage or liability are covered. A commercial policy is written for business use and covers dashing. If you're unsure how your policy treats delivery activity, contact your insurer directly.

Collision coverage may help pay to repair or replace your vehicle after an accident, regardless of fault. Comprehensive coverage may help pay for non-collision damage like theft, vandalism, fire, or weather. Important: having these coverages on your personal policy doesn't automatically mean they apply during deliveries. Confirm with your insurer.

UM/UIM coverage may help pay for your medical bills and vehicle damage if you're hit by a driver with no insurance or insufficient coverage. Most personal auto policies include it — but confirm with your insurer whether it applies during delivery activity, as some policies treat this differently.

A rideshare endorsement may not provide complete vehicle coverage while dashing. For example, it may cover vehicle damage before an order is accepted, but not during active delivery. Always check with your insurance provider to confirm if you have the right policy to properly cover dashing. To protect your vehicle while dashing, you can switch to a personal auto policy that includes delivery work such as State Farm’s delivery-friendly policy or a commercial auto policy, which is written for business use and covers active delivery.

During an active delivery, DoorDash provides: (1) third-party liability coverage for bodily injury and property damage to others if you're at fault, up to $1,000,000 in most states; and (2) occupational accident coverage for U.S. Dashers, which may help pay for medical expenses, disability payments, and survivor's benefits if you're injured. No enrollment or premiums are required. All coverages are subject to policy terms, conditions, limitations, exclusions, and local laws.

During active deliveries, DoorDash's third-party liability insurance may cover bodily injury or property damage you cause to others in an accident. It does not cover damage to your own vehicle. If you already carry a business-use or delivery-eligible personal policy, DoorDash's liability coverage may apply as excess coverage — meaning it applies after your own insurance, subject to policy terms and local laws.

Occupational accident coverage may provide financial protection if you're injured during a DoorDash delivery. It's automatic for U.S. Dashers — no sign-up, no premiums, no deductible, and no co-pay. Benefits may include medical expense coverage up to $1,000,000 and disability payments equal to 50% of your average weekly earnings, up to $500 per week, minus other income.

California Dashers: Benefits may differ. See your schedule of benefits for details.

No. Unlike many delivery platforms, DoorDash maintains occupational accident coverage that applies automatically — there's no enrollment, no premium, no deductible, and no co-pay for U.S. Dashers. Dashers are also free to obtain additional insurance coverage from another source.

No. Occupational accident coverage is injury coverage for Dashers only. It doesn't cover damage to your car or bike — that's your personal auto policy's responsibility, and only if your policy covers delivery activity.

No. Occupational accident coverage applies only while you're making a delivery with DoorDash. California Dashers: if you're signed onto the platform and not making a delivery, there may be provisions that apply.

It depends on when the accident happens. During an active delivery (offer accepted through drop-off), DoorDash's third-party liability insurance may cover up to $1,000,000 in bodily injury and property damage to other parties in most states. DoorDash's coverage does not cover damage to your own vehicle — that's your personal policy's responsibility, provided it covers delivery activity.

If you were injured while making a delivery with DoorDash, you can file a claim with Blue Star Claims three ways: online at bluestarclaims.com, by phone at (480) 579-2405 (available 24/7/365, dedicated to DoorDash), or by email at DDintake@bluestarclaims.com. Completing the intake and claim forms starts your claim.

Depending on your state and the type of claim, you may work with DoorDash's insurance partners: State Farm Insurance Company, Mobilitas Insurance Company, Crum & Forster, and Helmsman Management Services. Occupational accident claims are handled by Blue Star Claims.