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Does USAA Cover DoorDash Drivers?

Does USAA Cover DoorDash Drivers?
Nic Weber

Last updated

Wondering if your USAA insurance policy gives you coverage while you’re zipping around delivering food for DoorDash? Let’s dive into this hot topic and get you the answers you need.

So, you’re a DoorDash driver or thinking about becoming one, and you’re curious if your USAA insurance has got your back while you’re on the move. We’ve got you covered.

USAA’s Coverage for DoorDash Drivers

Here’s the deal: USAA provides auto insurance that can extend coverage to DoorDash drivers, but there’s a catch. This coverage applies only when you’re driving your car for personal use, not when you’re on the clock delivering tasty treats. Once you start a delivery with DoorDash, USAA considers this as using your car for commercial purposes, and that’s not covered under a standard personal auto policy.

To be crystal clear, while you’re cruising around waiting for an order, you’re covered. But the moment you accept a DoorDash delivery and start heading towards the restaurant or the customer, USAA’s standard policy steps back, and you’re in a zone without their coverage. To stay protected during deliveries, you’d need to look into getting a separate commercial insurance policy or check if DoorDash offers any coverage for its drivers.

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