If you are using your personal car to drive for services like DoorDash, Uber Eats, or Lyft, you need to be very careful with your insurance.

Many people assume they are covered, but standard personal auto policies exclude business use. If you haven’t told your insurance company you are doing deliveries, and you get into an accident while working, the company will likely “repudiate” (deny) the claim .

Worse than just denying the claim, they may flat cancel your policy entirely because you failed to disclose the risk. You do not want to be in a situation where you are responsible for damages out of pocket and lose your insurance coverage.

The fix is simple. You just need to add a “rideshare endorsement” or business use notation to your policy. Yes, your rates will go up, but typically only by about 5% to 10%. It is not a massive increase, but it accounts for the fact that you are driving more miles than the average Floridian.

Insurance relies on transparency. If you are honest about how you use the car, we can cover you. If you hide it, you are driving with a false sense of security that will vanish the moment you need it most.