Delivery Driver Insurance in California
When you use your vehicle to make money, you need to make sure you cover that vehicle with commercial auto insurance. Delivery drivers make up a large portion of commercial drivers. Whether you’re dropping off packages or delivering meals to someone’s door, the right delivery driver insurance policy helps you stay safe while on the job.
The Importance of Delivery Driver Insurance
As a delivery driver, you rely on your vehicle to get you to every stop on your route. If you get in an accident while on the job, it can deal a big financial blow to your business or income. You won’t be able to work while you wait for repairs or a replacement vehicle. Moreover, you can face hefty fines if you don’t have proper insurance coverage or you’re at fault in an accident.
When you invest in commercial insurance for delivery drivers, you protect yourself from financial setbacks while on the job. The right insurance coverage provides financial assistance in the event of an accident so that you can worry less about your budget and more about getting back to work.
Insurance Requirements for Delivery Drivers
The type of delivery driver insurance policy you get depends on the specifics of your job. Your location, the type of vehicle you drive, and other factors also influence costs and coverages.
California state law requires all commercial auto insurance policies to meet three minimum liability requirements:
- Liability limit: $15,000 per person
- Bodily injury limit: $30,000 per accident
- Property damage limit: $5,000
Your minimum limits might be higher than these depending on the type of vehicle you drive. For example, large vehicles that travel across state lines might face higher minimum requirements.
In addition to these requirements, you might want to purchase extra coverages for more protection while on the job. If you drive your own car, collision insurance will cover damage you sustain in an accident. You might also want medical payments/personal injury protection insurance to help pay for medical bills, lost income, and similar expenses if you get hurt in a crash.
Find Cost-Effective Car Insurance for Delivery Drivers
Finding the right coverages is the key to obtaining a reliable delivery driver insurance policy that meets your specific needs. Building your policy doesn’t have to be expensive, though. At Saferoad Insurance, we help you navigate different coverages and requirements to find an insurance policy that works for you. Contact our team today to learn more about delivery car insurance and which type of coverage is best for you.