Coverage
Coverage by period
While you are logged on and available but have not accepted a ride, Washington requires coverage of at least $50,000 for injury to one person, $100,000 for everyone injured in one accident, and $30,000 for property damage.
This pays for harm you cause to other people. It does not pay to fix your own car, and it does not pay your own medical bills.
Limits of this answer
What we have not checked: These are the least the law allows. The platform may carry more, and your own policy is a separate question.
What could change: Chapter 46.72B was amended in 2025; re-check periodically.
Coverage by period
From the moment you accept a ride until your passenger gets out, Washington requires $1,000,000 of coverage for death, injury, and property damage combined - one pot rather than separate limits.
This covers harm you cause to other people. Damage to your own car is a separate question.
Limits of this answer
What we have not checked: This is the least the law allows; the platform may carry more.
What could change: Chapter 46.72B was amended in 2025; re-check periodically.
Coverage by period
Being logged into two or three apps at once raises an obvious question: whose insurance is it?
Washington answers it, but only in a narrow situation - you are logged into more than one app, more than one of those policies actually covers the loss, and you have not accepted a ride from any of them. Then liability is split equally between them.
Once you accept a ride, this stops applying. The app that matched you is responsible.
Limits of this answer
What we have not checked: This is a rideshare rule. We have not checked whether anything similar applies to DoorDash, Instacart, or Amazon Flex, and we are not assuming it does.
What could change: Chapter 46.72B was amended in 2025; re-check periodically.
Coverage by period
Partly verified.What we confirmed is below. What we have not checked is named in the notes.
DoorDash covers you once you have accepted an order, through delivery. While you are online waiting, DoorDash says your own insurance is primary. DoorDash does not publish a coverage amount for the states we cover, so we are not showing one.
Limits of this answer
What we have not checked: DoorDash publishes figures for Boston, North Dakota, Indiana, Kentucky and West Virginia. None of the states we cover is among them, and the general section gives no amount. A widely repeated $1,000,000 figure comes from DoorDash's marketing page rather than the state-specific terms.
What could change: Platform policy - can change without any law changing.
Damage to your car
DoorDash's insurance does not cover damage to your own vehicle. DoorDash's own page says those damages are your responsibility and should go to your own insurer, subject to what your policy covers.
This is different from Uber and Lyft, which do offer something for your own car - though only if you already carry comprehensive and collision, and with a $2,500 deductible.
DoorDash also warns on the same page that a personal policy may not cover you while you are delivering. So this is not a case where the platform declines and your own insurer picks it up. Whether you are covered depends on your policy.
Limits of this answer
What we have not checked: Whether your own policy covers delivery driving depends on your policy. Ask your insurer about delivery specifically - not just rideshare.
What could change: Platform policy - can change without any law changing.
Coverage by period
Partly verified.What we confirmed is below. What we have not checked is named in the notes.
Uber describes Uber Eats coverage on the same page as rideshare, but says the amounts vary by state. We have verified the New York exclusion and have not yet verified the other states we cover.
Limits of this answer
What we have not checked: Uber states that coverages and limits vary by state. We have verified the New York delivery exclusion and have not verified how this applies in the other ten states we cover.
What could change: Platform policy - can change without any law changing.
Coverage by period
Partly verified.What we confirmed is below. What we have not checked is named in the notes.
Instacart says shoppers are responsible for their own auto liability insurance, and it accepts auto claims. What coverage Instacart itself provides, when it applies, and whether it protects you are unverified - so we are not showing figures.
Limits of this answer
What we have not checked: We could not confirm any coverage amount, what triggers Instacart's coverage, its terms, or whether it protects you rather than Instacart. Different accounts of this contradict each other and none of them come from Instacart, so we are not showing figures.
What could change: Platform policy - can change without any law changing.
Coverage by period
Partly verified.What we confirmed is below. What we have not checked is named in the notes.
Amazon provides free commercial car insurance to delivery partners in every state except New York, covering harm to others, uninsured drivers, and damage to your own car. Amazon does not publish the amounts or the deductible, so we are not showing any.
Limits of this answer
What we have not checked: Amazon names the kinds of coverage but publishes no dollar limits, no deductible, and no insurer. A $1,000,000 liability figure, a $50,000 vehicle-damage figure, a $1,000 deductible and a named carrier all circulate without support from anything Amazon publishes.
What could change: Platform policy - can change without any law changing.
Coverage by period
Partly verified.What we confirmed is below. What we have not checked is named in the notes.
Amazon says its coverage applies only while you are 'actively delivering during the delivery block.' Amazon does not define what that includes, so we cannot tell you whether the drive to the station or the time between stops is covered.
Limits of this answer
What we have not checked: Amazon does not define the phrase. Whether it begins at block start, station check-in, first package scan, or departure is unknown, as is whether it ends at last delivery, block end, or return of undelivered packages.
What could change: Platform policy - can change without any law changing.
Personal policy exclusions
Personal policy exclusions
Washington law expressly allows your personal car insurance to stop covering you the moment you log into a rideshare app. The exclusion can reach everything: harm you cause to others, your own medical bills, coverage for uninsured drivers, and damage to your own car.
That is permission for insurers, not a statement about your policy. Whether yours actually excludes you depends on what it says. Some insurers sell an add-on that closes the gap - worth asking about before you need it.
Limits of this answer
What we have not checked: We have not read any particular insurer's policy, so we cannot tell you whether yours uses this permission. Your declarations page and your insurer can.
What could change: Chapter 46.72B was amended in 2025; re-check periodically.
Personal policy exclusions
Separately from what your insurer is allowed to do, Washington requires the app itself to warn you. Its terms of service must say that while you are on the network your personal policy might not cover injuries you cause, your medical bills, damage to your own car, or accidents with uninsured drivers. You acknowledge it electronically or by signature.
There is a second warning for anyone still paying off their car: using it commercially may break the terms of your loan or lease, and you are expected to tell your lender.
The warning says your policy might not cover you. It is not a statement that it doesn't - that depends on your policy.
Limits of this answer
What we have not checked: We have summarised the required warning rather than quoting it word for word. The exact wording is in the statute.
What could change: Chapter 46.72B was amended in 2025; re-check periodically.
Personal policy exclusions
This catches more drivers than anything else on this site.
The platforms' coverage for damage to your own car sits on top of your personal policy. It only exists if you already carry comprehensive and collision yourself. If you carry liability only, there is nothing to sit on top of - the platform's coverage never starts.
Separately, most personal policies exclude driving with the app on at all. Some insurers sell an add-on that covers it, and it has to be bought before a loss.
Limits of this answer
What we have not checked: Whether your own policy excludes app-on driving depends on your policy. Several states write that permission directly into law.
What could change: Platform policy - can change without any law changing.
Personal policy exclusions
Verified in part.One element of this answer has not been re-checked. See the notes.
If you bought a rideshare add-on for your personal policy, do not assume it covers delivery.
DoorDash warns on its own site that such an add-on may not provide complete coverage while you deliver. Its example: the add-on might cover damage to your vehicle before you accept an order, but not during an active delivery.
When you call your insurer, ask about delivery specifically. Asking about rideshare may get you an answer that does not apply.
Limits of this answer
What we have not checked: Whether DoorDash's coverage sits before or after your own policy is not stated for the states we cover, and we have not resolved it.
What could change: Platform policy - can change without any law changing.
Personal policy exclusions
Worth knowing before it matters rather than after.
Amazon's FAQ says that if anyone other than the Amazon Flex delivery partner is driving when an accident occurs, the claim for any losses will be denied.
If you are renting or borrowing a car to deliver, Amazon says you need to make sure you have the required coverage yourself.
Limits of this answer
What we have not checked: Amazon does not say what happens if a second registered delivery partner is driving, or how it verifies who was driving. It also does not say whether your own policy would respond in that situation.
What could change: Platform policy - can change without any law changing.
Injury coverage
Injury coverage
Partly verified.What we confirmed is below. What we have not checked is named in the notes.
DoorDash automatically provides injury coverage for you while delivering, at no cost. We have not confirmed the benefit amounts, so we are not showing figures.
Limits of this answer
What we have not checked: We have not confirmed the benefit amounts or caps from DoorDash's own policy documents. Figures circulating elsewhere are not something we can stand behind.
What could change: Platform policy - can change without any law changing.
Injury coverage
This is the one most Washington drivers do not know about, and it does not come from the platform.
Since January 2023, rideshare companies must provide workers' compensation for their drivers - the same system covering people hurt at work. It pays for medical care related to your injury, and if you cannot work, part of your lost wages.
You are covered while driving to a pickup and while carrying a passenger. **Not while logged on and waiting.**
How to claim: get medical help, tell your doctor the injury happened while you were working, and they will help you file. Or file yourself at 1-877-561-FILE or Lni.wa.gov/FileFast. Tell the platform too.
This does not pay to fix your car. That is a different claim.
Limits of this answer
What we have not checked: Washington may contact you to confirm you were in covered status when you were hurt, so the trip record matters. This is separate from any claim against another driver.
What could change: Effective since 1 January 2023 under ESHB 2076.
Injury coverage
Partly verified.What we confirmed is below. What we have not checked is named in the notes.
Washington death benefits may reach families of drivers who die while logged on and waiting - a wider window than the injury coverage. Conditions apply that we have not verified. Contact L&I.
Limits of this answer
What we have not checked: This benefit is subject to conditions about the vehicle and the driver's location that we have not read. Contact L&I directly rather than assuming eligibility either way.
What could change: Platform or state programme - can change.
Injury coverage
We found no state rule on this point.That is not the same as no rule applying. Your policy or other laws may still matter.
Washington's rideshare workers' compensation law covers passenger service, not food delivery. That is not the same as saying delivery drivers have no coverage - check what your platform provides, and note we have not checked other Washington rules.
Limits of this answer
What we have not checked: We checked the rideshare workers' compensation law only. Other Washington laws, and what delivery platforms provide in Washington, are unresearched.
What could change: Platform or state programme - can change.
Injury coverage
Uber's Optional Injury Protection is a product you buy, not something you have automatically. Uber says it is available in 42 states and is not offered in all of them.
It costs $0.024 per mile for drivers in passenger vehicles, charged only on miles during a trip or delivering an order. In Washington it is $0.022.
In a few states Uber provides injury coverage automatically instead - California, Massachusetts and Minnesota among them. Check your state's answers before buying something you may already have.
Limits of this answer
What we have not checked: Uber does not publish which 42 states. If you cannot find the option in your Driver app, that may be why.
What could change: Programme terms can change.