If you drive for Walmart Spark, DoorDash, Instacart, Uber Eats, or another delivery app, I want to bring attention to a serious problem that affects all of us.
What happens if you get into an at-fault accident while working and your vehicle is totaled?
Your car is your livelihood. Without it, you can't work. Yet many personal auto insurance policies exclude or restrict coverage during paid delivery work, and delivery platforms don't necessarily cover damage to the driver's own vehicle.
Consider the three stages of a delivery:
- Driving to the store after accepting an order.
- Waiting, shopping, and loading the customer's order.
- Driving to the customer and completing the delivery.
A driver could have an accident during any of these stages and face thousands of dollars in vehicle losses, potentially with no insurance policy willing to cover the damage.
I believe delivery platforms should be required to provide vehicle damage coverage while drivers are actively performing deliveries.
I'm asking for a fair policy that includes:
- Collision coverage for the driver's vehicle, including at-fault accidents.
- Coverage throughout the active delivery process.
- Clear disclosure of deductibles, limits, and exclusions.
- Protection that doesn't leave drivers solely responsible for replacing the vehicle they depend on to earn a living.
This isn't about asking for special treatment. It's about making sure workers aren't forced to risk their entire means of earning an income every time they accept an order.
Please sign and share the petition:
👉 https://www.change.org/p/require-gig-platforms-to-provide-commercial-vehicle-insurance
I'd also like to hear from other drivers:
- Have you confirmed whether your insurance covers your vehicle during every stage of a delivery?
- Have you struggled to find affordable insurance that explicitly covers delivery work?
- Have you or someone you know experienced an accident while delivering and had difficulty getting the vehicle damage covered?
Please share your experiences. The more documented experiences we gather, the harder it will be to ignore this issue.
I'm posting as a concerned gig worker who wants better protection for drivers everywhere. Thank you for reading and helping spread the word.