Shipt is a popular grocery delivery service that operates in more than 5,000 cities across the United States. If you’re a Shipt shopper, you may be wondering if you need car insurance to cover the deliveries you make. The answer is yes, you do need car insurance if you work for Shipt. In this article, we’ll explore what kind of car insurance you need, and how to make sure you’re properly covered.
What is Shipt?
Shipt is a same-day grocery delivery service that allows customers to order groceries from their favorite stores and have them delivered to their doorstep. Shipt shoppers use their own cars to make deliveries, and are paid a fee for each delivery they complete. Shipt is a great way to make extra money on your own schedule, but it’s important to understand the insurance requirements before you start making deliveries.
Do I Need Car Insurance to Work for Shipt?
Yes, you need car insurance to work for Shipt. Shipt requires all shoppers to have their own car insurance policy that meets the minimum liability requirements for their state. This means that if you get into an accident while making a Shipt delivery, your personal car insurance will be the primary insurance coverage.
What Kind of Car Insurance Do I Need?
If you’re a Shipt shopper, you’ll need to have a personal car insurance policy that meets the minimum liability requirements for your state. The minimum liability requirements vary by state, but typically include:
- Bodily injury liability coverage
- Property damage liability coverage
You may also want to consider adding additional coverage to your car insurance policy, such as comprehensive coverage or collision coverage, to protect yourself in the event of an accident.
What Happens if I Get in an Accident While Making a Shipt Delivery?
If you get into an accident while making a Shipt delivery, your personal car insurance will be the primary insurance coverage. This means that you’ll need to file a claim with your own insurance company and pay any deductibles or out-of-pocket expenses that apply.
It’s important to note that if you don’t have car insurance, or if your insurance doesn’t cover delivery services, you may be personally liable for any damages or injuries that occur in an accident.
How Can I Make Sure I’m Properly Covered?
To make sure you’re properly covered while working for Shipt, you should:
- Check with your car insurance company to make sure your policy meets the minimum liability requirements for your state
- Consider adding additional coverage to your car insurance policy
- Read Shipt’s terms and conditions to understand their insurance requirements
By taking these steps, you can ensure that you’re properly covered in the event of an accident while making a Shipt delivery.
The Bottom Line
If you’re a Shipt shopper, it’s important to have car insurance that meets the minimum liability requirements for your state. This will ensure that you’re properly covered in the event of an accident while making a delivery. By taking the time to understand the insurance requirements and making sure you’re properly covered, you can enjoy the flexibility and convenience of working for Shipt without worrying about insurance issues.
