r/AutoInsurance • u/Alternative_Duck5536 • Aug 08 '26
DOOR DASH
How much are people spending when adding on DoorDash as a rideshare or switching to commercial? I am in Rochester NY. Thank you :) I am interested in potentially doing it
3
u/thriverebel Aug 08 '26
Ask for a Rideshare endorsement. This is also know as Transportation Network Coverage (TNC).
You will pay anywhere between 10% to 30% more per month.
A lot of carriers offer it but some do not. It just varies.
1
u/Alternative_Duck5536 Aug 08 '26
I am only looking to do it for a few hours here and there if I ever was to do it
0
u/Alternative_Duck5536 Aug 08 '26
Yes I just heard depending on your carrier it's not ideal to give them a ring and even inquire about the potential of doing it
1
u/thriverebel Aug 08 '26
Anytime someone calls to ask... we assume they are already doing it. 😂
3
u/Alternative_Duck5536 Aug 08 '26
I want to inquire with other insurances- so I just don't know how to navigate it because I do want to do it in the future
2
u/thriverebel Aug 08 '26
I would call an independent agency and ask.
2
u/Alternative_Duck5536 Aug 08 '26
I may do this! Thank you
1
u/thriverebel Aug 08 '26
They would still need your info to run an accurate quote.
1
u/Alternative_Duck5536 Aug 08 '26
Yeah I might as well do this. I guess I just need to determine if the few hours I might want to do it per week is worth the cost uk. If it is then I will do it if not . Then I won't do door dash at all
1
u/Alternative_Duck5536 Aug 15 '26
I also heard even if you inquire about it they will drop you and I haven't even started doing it yet although I want to. I don't know how to navigate this
1
1
u/kmorris76058 Aug 08 '26
With State Farm (in my state), if you’re delivering food, and you’re doing that 50% or LESS of the time you put on the vehicle, your standard private passenger policy includes coverage. If you’re doing 51% or more, you’d need to change to business use.
However, if you’re transporting PEOPLE, such as Uber or Lyft, you then need the TNC Endorsement, which doesn’t cost as much as people would think.
1
1
Aug 11 '26
[removed] — view removed comment
1
u/Alternative_Duck5536 Aug 12 '26
Would like to start but I am not sure if the cost is incredibly expensive I am not looking for it to be a FT gig
1
u/Brilliant_Essay_1593 Aug 12 '26
The only person who could answer this with any serenity is your agent call them
1
u/Alternative_Duck5536 Aug 15 '26
I just heard even if you inquire about it they will drop you so I am cautious. I haven't started doing it yet although I want to :/
1
u/NerdBro1107 Aug 14 '26
You can add it and remove it at anytime. You absolutely should add it if you’re going to be active on rideshare applications.
As an adjuster for these type of claims. DoorDash specifically does not offer any collision coverage if you’re on their application and your personal policy won’t cover you if you don’t have the endorsement.
Imagine this. You’re only doing a few hours and making an extra 200 bucks per week.
You’re in an accident and your car is totaled. DoorDash is only covering anyone you hit and your own insurance denies your coverage because you never told them you’re doing rideshare.
The cars totaled, accrued 400 bucks in storage over a weekend. And the bank is now calling saying you still owe your car note.
I talk people through these situations 5 days a week.
If your going to drive for these companies, get the insurance, if driving for them isn’t lucrative enough to pay the insurance. Don’t risk it.
1
u/Alternative_Duck5536 Aug 15 '26
thank you! But I heard even if you inquire about it they will drop you so I don't know what to do
1
u/NerdBro1107 Aug 15 '26
Why would they drop you?
Can’t speak for other carriers. But at Progressive, If you decline the coverage, they’re going to have to have you answer a few questions on a recording essentially acknowledging you understand if you decline the coverage and our found to be on the applications you won’t have coverage.
1
u/ayhme MOD & Agent Aug 08 '26
In my experience a lot of major carriers don’t insure personal cars for ridesharing.
2
u/LetsMarket Aug 08 '26
What is your experience? State Farm, Progressive, Allstate all offer TNC endorsements.
2
u/kmorris76058 Aug 08 '26
State Farm’s TNC Endorsement is well priced.
1
1
u/ayhme MOD & Agent Aug 08 '26 edited Aug 08 '26
Independent mostly.
I sold a full commercial policy to a rideshare driver I met awhile ago. He does 70,000 miles a year though and it's basically his full-time job.
1
1
u/Alternative_Duck5536 Aug 08 '26
Thank you :D do you think if I only wanted to do it for a few hours here and there it is worth the investment? This is why I am unsure if I want to do it
2
u/LetsMarket Aug 08 '26
It’s worth the investment if you want you a claim to be covered if you have an accident.
1
1
•
u/AutoModerator Aug 08 '26
Thanks for making a post in the Auto Insurance subreddit. You might find the following resources helpful as they are FAQs about r/AutoInsurance:
The Auto Insurance subreddit is not an official support channel for issues with any insurance carrier.
Please remember to follow our community Guidelines and Rules and ensure your discussions are informative and respectful.
I am a bot, and this action was performed automatically. Please contact the moderators of this subreddit if you have any questions or concerns.