{"id":151,"date":"2026-03-31T12:34:30","date_gmt":"2026-03-31T18:34:30","guid":{"rendered":"https:\/\/www.bacon-insurance.com\/blog\/?p=151"},"modified":"2026-03-31T12:34:32","modified_gmt":"2026-03-31T18:34:32","slug":"the-hidden-insurance-gap-for-delivery-rideshare-drivers-what-you-need-to-know","status":"publish","type":"post","link":"https:\/\/www.bacon-insurance.com\/blog\/the-hidden-insurance-gap-for-delivery-rideshare-drivers-what-you-need-to-know\/","title":{"rendered":"The Hidden Insurance Gap for Delivery &amp; Rideshare Drivers: What You Need to Know"},"content":{"rendered":"\n<p>We\u2019ve been seeing more and more people&nbsp;<strong>using their personal vehicles to earn extra income<\/strong>&nbsp;whether that\u2019s delivering food, groceries, or driving for services like Uber or Lyft.<\/p>\n\n\n\n<p>What many people don\u2019t realize is this:<\/p>\n\n\n\n<p><em><strong>Your personal auto insurance typically does NOT cover your vehicle when it\u2019s being used for delivery or to make money.<\/strong><\/em><\/p>\n\n\n\n<p>Most personal auto policies are designed for everyday driving, commuting, errands &amp; family use.<br>But once you:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Turn on a delivery or rideshare app<\/li>\n\n\n\n<li>Accept a job<\/li>\n\n\n\n<li>Transport people or goods for money<\/li>\n<\/ul>\n\n\n\n<p><strong><em>You may be operating outside of your policy\u2019s coverage.<\/em><\/strong>&nbsp;<\/p>\n\n\n\n<p>The&nbsp;<strong>\u201cstandard public or livery conveyance exclusion\u201d&nbsp;<\/strong>in auto insurance policies&nbsp;<strong>denies coverage (liability, medical, and physical damage) when a vehicle is used for commercial transportation<\/strong>&nbsp;like Ubers, delivery, or ridesharing. This means&nbsp;<strong>a claim can be denied if the accident happens while you are on the app, on the way to pick up, while you are waiting, carrying goods or carrying a passenger.&nbsp;<\/strong><\/p>\n\n\n\n<p>This exclusion exists because personal auto insurance isn&#8217;t intended for the increased risks of commercial use.&nbsp;<strong>Drivers must understand this exclusion to avoid significant financial risk during an accident while operating commercially.<\/strong><\/p>\n\n\n\n<p><strong>Learn More about this exclusion here:<\/strong><\/p>\n\n\n\n<p><a href=\"https:\/\/legalclarity.org\/what-is-a-livery-conveyance-in-auto-insurance\">https:\/\/legalclarity.org\/what-is-a-livery-conveyance-in-auto-insurance<\/a><\/p>\n\n\n\n<p><em>In some cases, claims can be&nbsp;<strong>partially covered\u2014or denied altogether.<\/strong><\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">A Common Risk We\u2019re Seeing:<\/h3>\n\n\n\n<p><strong>Teen drivers<\/strong>&nbsp;using a family vehicle to deliver food or groceries. Many families may&nbsp;<strong>unknowingly have a serious coverage gap. Examples include insta-cart or door dash, delivering pizza.&nbsp;<\/strong><\/p>\n\n\n\n<p>If an accident happens during a delivery:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Coverage could be denied<\/li>\n\n\n\n<li>The policy could be canceled<\/li>\n\n\n\n<li>You could be responsible for major liability costs<\/li>\n<\/ul>\n\n\n\n<p><strong>What about insurance for delivery or rideshare?<\/strong><\/p>\n\n\n\n<p><strong><em>Coverage does exist, but it\u2019s different &amp; can be costly:<\/em><\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Although some rideshares or restaurants may offer insurance to their drivers, it may be the bare minimum. You should always inquire about what coverages they are offering.\u00a0<strong>Many people unknowingly drive uninsured during these activities because they wrongly assume their Auto Policy covers them during these times.\u00a0<\/strong><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">The Good News:<\/h3>\n\n\n\n<p>Our Agents at&nbsp;<a href=\"https:\/\/u24781948.ct.sendgrid.net\/ls\/click?upn=u001.zyZSVdz3RGxACBx49quz-2BMyKCaUjYPZZ5bPfVZ3vxzVCDh0Nc4WHKc1XYZHuBgRmzWNr_-2Fk8Lc-2BG1PywP-2FLORYAp0F2hy7rH9THRwlLzQIs6XUfCRgQwqUcSmNVevtTk3E6WXUO07MSata-2B-2BqTKI0X0s5qN8WFUwvilMI05U1BZMusFiJoEYLzvfHmI3x2XjttKEn2oNeu-2FP7wJEY28tVqenLZVMW4k6oXU4brFov8DZwVIjCKqegkI2CMBk9dOAUHUKACXO29QeRsy2p8hT429bZ3tBhJRmQmngJaJQnVSJ0atyqgoTXZ-2FAh2CD5SLAWcbHG98DYchWX4a-2BUlYRHgWy-2FDgOnWAKh5zqpCV0-2FOzXPPf-2FuWqJmtKO3ZPmkLvG1o5Bk-2BWsncSkDQ2YQCSvJPi8Q14Xqjrt7-2Bxljhz6KqGWTg9oYSFCaAv3nYTGaVZCnrE6z9Yrq98-2FdAkbMin4R0wdozgj3Igkgcw0Qsry6x87X3xfbXlhHaF1VoUZZGveEbXCpEnqp52adf46FTsmpxQOebMbni7Fd-2FqfMr9Utdi-2FSjd1gfB9pI6kk9Fsbd45M5xfQaJSZm7d1jCB4VkBZ2HHQbCeMpBRgfXc5lcMmdI2koZBJXsZTFCH6pdsOyAI-2FpaUI\" target=\"_blank\" rel=\"noreferrer noopener\">Bacon Insurance Group<\/a>&nbsp;can:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Identify if there\u2019s a gap in your current policy<\/li>\n\n\n\n<li>Help secure the correct and enough coverage<\/li>\n\n\n\n<li>Make sure you and your family are protected<\/li>\n<\/ul>\n\n\n\n<p><strong>If you or anyone in your household is using a vehicle to earn income, even part-time, let\u2019s take a quick look together. Make sure you check with the company you work for what\/if any coverages they provide. Ask for a clear, detailed copy of what they are offering.<\/strong><\/p>\n\n\n\n<p><strong>It\u2019s a simple conversation that can prevent a major financial surprise.<\/strong><\/p>\n\n\n\n<p><strong>Give us a call or email us anytime! 804-967-9717<\/strong><\/p>\n\n\n\n<p>Visit Our&nbsp;<a href=\"https:\/\/u24781948.ct.sendgrid.net\/ls\/click?upn=u001.CVabs-2BA6J7AAmnWd5m8WkkROhAz-2FX10BVZSdVnisyzl8k6E3X3LHZBe1ycoRK8dzV1s7_-2Fk8Lc-2BG1PywP-2FLORYAp0F2hy7rH9THRwlLzQIs6XUfCRgQwqUcSmNVevtTk3E6WXUO07MSata-2B-2BqTKI0X0s5qN8WFUwvilMI05U1BZMusFiJoEYLzvfHmI3x2XjttKEn2oNeu-2FP7wJEY28tVqenLZVMW4k6oXU4brFov8DZwVIjCKqegkI2CMBk9dOAUHUKACXO29QeRsy2p8hT429bZ3tBhJRmQmngJaJQnVSJ0atyqgoTXZ-2FAh2CD5SLAWcbHG98DYchWX4a-2BUlYRHgWy-2FDgOnWAKh5zqpCV0-2FOzXPPf-2FuWqJmtKO3ZPmkLvG1o5Bk-2BWsncSkDQ2YQCSvJPi8Q14Xqjrt7-2Bxljhz6KqGWTg9oYSFCaAv3nYTGaVZCnrE6z9Yrq98-2FdAkbMin4R0wdozgj3Igkgcw0Qsry6x87X3xdc8J7a4PpeuOKIxfyqfgepchAThhiK0RLlEQFXrg3YLL8zWNF6mhu-2Bp2SY-2BMWG1C2NQbzI8x1D8exuV5-2FScbfoWAdxdC5J0DcIiuTetRZNEGOPVZAGyXuTE4cXC0cyIPHu3xj1hWwNbCJ2F3PwNLSn\" target=\"_blank\" rel=\"noreferrer noopener\">Blog<\/a>&nbsp;For More Helpful Insurance Facts &amp; Tips<\/p>\n\n\n\n<p>Additional Resources:<\/p>\n\n\n\n<p><a href=\"https:\/\/www.dmv.virginia.gov\/businesses\/tnc\/insurance\">https:\/\/www.dmv.virginia.gov\/businesses\/tnc\/insurance<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/www.dmv.virginia.gov\/businesses\/tnc\/faq\">https:\/\/www.dmv.virginia.gov\/businesses\/tnc\/faq<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/law.lis.virginia.gov\/vacode\/title46.2\/chapter21\/section46.2-2143.1\">https:\/\/law.lis.virginia.gov\/vacode\/title46.2\/chapter21\/section46.2-2143.1<\/a><\/p>\n\n\n\n<p><strong><em>Follow Us On Social:<\/em><\/strong><\/p>\n\n\n\n<p><a href=\"https:\/\/u24781948.ct.sendgrid.net\/ls\/click?upn=u001.CVabs-2BA6J7AAmnWd5m8Wks70Ex8UfSgea-2Flm9zBJx3paGLinGNDwpETk2COAcAgA-2BO1BRE4ovM6znVaqcRWVGw-3D-3Ddt-F_-2Fk8Lc-2BG1PywP-2FLORYAp0F2hy7rH9THRwlLzQIs6XUfCRgQwqUcSmNVevtTk3E6WXUO07MSata-2B-2BqTKI0X0s5qN8WFUwvilMI05U1BZMusFiJoEYLzvfHmI3x2XjttKEn2oNeu-2FP7wJEY28tVqenLZVMW4k6oXU4brFov8DZwVIjCKqegkI2CMBk9dOAUHUKACXO29QeRsy2p8hT429bZ3tBhJRmQmngJaJQnVSJ0atyqgoTXZ-2FAh2CD5SLAWcbHG98DYchWX4a-2BUlYRHgWy-2FDgOnWAKh5zqpCV0-2FOzXPPf-2FuWqJmtKO3ZPmkLvG1o5Bk-2BWsncSkDQ2YQCSvJPi8Q14Xqjrt7-2Bxljhz6KqGWTg9oYSFCaAv3nYTGaVZCnrE6z9Yrq98-2FdAkbMin4R0wdozgj3Igkgcw0Qsry6x87X3xc0e-2BxXtR-2FSWjEWw7ul2mWSXu7eKWg0Hf-2BysL6ShzStuWc3rddnF8dVx9BRnDI0V5rtetD6NZT4WFZ3PDwi8cFNxKYKpsjAdbTfy5vqa9jzPGepCumc9QonAGnFesoLh4aBbia4-2Fx07w0zdrNgbDy6-2F\" target=\"_blank\" rel=\"noreferrer noopener\">Facebook<\/a>&nbsp; &nbsp; &nbsp;&nbsp;<a href=\"https:\/\/u24781948.ct.sendgrid.net\/ls\/click?upn=u001.CVabs-2BA6J7AAmnWd5m8WkpenxBuvEndYsReIUUG0Hf792YAYbt0aaUBn5qAr099Hr5GWrDGVsEXHhnKlLEvcdQ-3D-3DNhfJ_-2Fk8Lc-2BG1PywP-2FLORYAp0F2hy7rH9THRwlLzQIs6XUfCRgQwqUcSmNVevtTk3E6WXUO07MSata-2B-2BqTKI0X0s5qN8WFUwvilMI05U1BZMusFiJoEYLzvfHmI3x2XjttKEn2oNeu-2FP7wJEY28tVqenLZVMW4k6oXU4brFov8DZwVIjCKqegkI2CMBk9dOAUHUKACXO29QeRsy2p8hT429bZ3tBhJRmQmngJaJQnVSJ0atyqgoTXZ-2FAh2CD5SLAWcbHG98DYchWX4a-2BUlYRHgWy-2FDgOnWAKh5zqpCV0-2FOzXPPf-2FuWqJmtKO3ZPmkLvG1o5Bk-2BWsncSkDQ2YQCSvJPi8Q14Xqjrt7-2Bxljhz6KqGWTg9oYSFCaAv3nYTGaVZCnrE6z9Yrq98-2FdAkbMin4R0wdozgj3Igkgcw0Qsry6x87X3xdaXJBNLrQdmjrPrqvbP0B2vq9mgu-2FhptPuurPq61IAystbA-2BKgdeOZ1vMWqJWtSIjejTpalazAr2rd00LQoA8BweKuHujAkurCgRLrceR3KfKhToMZqYYwsWQeBC4-2Bd5nZlT1IcEGEiq7zL4ibMrIL\" target=\"_blank\" rel=\"noreferrer noopener\">Instagram&nbsp;<\/a>&nbsp; &nbsp;&nbsp;<a href=\"https:\/\/u24781948.ct.sendgrid.net\/ls\/click?upn=u001.CVabs-2BA6J7AAmnWd5m8WkkROhAz-2FX10BVZSdVnisyzl8k6E3X3LHZBe1ycoRK8dzLoAM_-2Fk8Lc-2BG1PywP-2FLORYAp0F2hy7rH9THRwlLzQIs6XUfCRgQwqUcSmNVevtTk3E6WXUO07MSata-2B-2BqTKI0X0s5qN8WFUwvilMI05U1BZMusFiJoEYLzvfHmI3x2XjttKEn2oNeu-2FP7wJEY28tVqenLZVMW4k6oXU4brFov8DZwVIjCKqegkI2CMBk9dOAUHUKACXO29QeRsy2p8hT429bZ3tBhJRmQmngJaJQnVSJ0atyqgoTXZ-2FAh2CD5SLAWcbHG98DYchWX4a-2BUlYRHgWy-2FDgOnWAKh5zqpCV0-2FOzXPPf-2FuWqJmtKO3ZPmkLvG1o5Bk-2BWsncSkDQ2YQCSvJPi8Q14Xqjrt7-2Bxljhz6KqGWTg9oYSFCaAv3nYTGaVZCnrE6z9Yrq98-2FdAkbMin4R0wdozgj3Igkgcw0Qsry6x87X3xdZNLoZhGJNeAZAUpde22dtq7d5irFwYcpmKHQfRA-2Br0BAiFLh5hgxilJUrWUgs8OlymGERZXjk8DbNBmMkTuaGkyBYabYr34NMWA6-2FS6IYgx7yNJGF-2BtM6OCHbg9nr3HVo-2FbbdRLsJ7PHv6IetUw9p\" target=\"_blank\" rel=\"noreferrer noopener\">Bacon Bits Blog<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>We\u2019ve been seeing more and more people&nbsp;using their personal vehicles to earn extra income&nbsp;whether that\u2019s delivering food, groceries, or driving for services like Uber or Lyft. What many people don\u2019t realize is this: Your personal auto insurance typically does NOT cover your vehicle when it\u2019s being used for delivery or to make money. Most personal [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-151","post","type-post","status-publish","format-standard","hentry","category-insurance"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.bacon-insurance.com\/blog\/wp-json\/wp\/v2\/posts\/151","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.bacon-insurance.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.bacon-insurance.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.bacon-insurance.com\/blog\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.bacon-insurance.com\/blog\/wp-json\/wp\/v2\/comments?post=151"}],"version-history":[{"count":2,"href":"https:\/\/www.bacon-insurance.com\/blog\/wp-json\/wp\/v2\/posts\/151\/revisions"}],"predecessor-version":[{"id":153,"href":"https:\/\/www.bacon-insurance.com\/blog\/wp-json\/wp\/v2\/posts\/151\/revisions\/153"}],"wp:attachment":[{"href":"https:\/\/www.bacon-insurance.com\/blog\/wp-json\/wp\/v2\/media?parent=151"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bacon-insurance.com\/blog\/wp-json\/wp\/v2\/categories?post=151"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bacon-insurance.com\/blog\/wp-json\/wp\/v2\/tags?post=151"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}