BringMeThat Auto Insurance (Rates & Requirements)

BringMeThat auto insurance coverage is important if you want to deliver food. Business auto insurance policies cover you on the job. BringMeThat auto insurance is not offered in-house by BringMeThat. Compare BringMeThat insurance rates online to save.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 17, 2020

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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Things to remember...

  • Most personal car insurance policies do not cover accidents that happen while driving your car to deliver food
  • When driving a vehicle registered to a restaurant, you may need to be listed as a driver on their commercial auto insurance policy before you will be covered in an accident
  • Some insurance companies now offer a sort of hybrid personal car insurance policy that offers coverage for on-demand delivery services
  • Often, bundling insurance products can offer the biggest discount when seeking the lowest cost car insurance

Will my auto insurance cover an accident delivering food for BringMeThat? If you have recently become employed by a restaurant listed on the BringMeThat search engine, the first thing you need to understand is that you are not delivering food directly for BringMeThat.com.

Each restaurant listed on their site sets and maintains its own policies for food delivery services.

That is where you need to begin your probe into whether or not your personal car insurance will cover you for a car accident while on the job.

Compare car insurance quotes to find the best deal for the coverage you need. Enter your zip code into our rate comparison tool above to get started comparing BringMeThat insurance rates online.

Beware the Standard Livery Exclusion

In most cases, your personal auto insurance will not offer the coverage you need when using your personal vehicle while delivering food or conveying passengers. Always read the fine print on your car insurance policy because this is where you’ll find this particular exclusion. Make sure you have proper food delivery insurance.

One of the reasons why so many drivers aren’t aware of this particular exclusion is because of the way in which our economy has evolved.

You are living in an era being referred to as the Peer-to-Peer Economy in which an ever-growing number of people are becoming independent contractors.

As a delivery driver, you may not be employed by just one restaurant in your area, but may, in fact, be available to make deliveries for any restaurant listed on sites like BringMeThat.

Because of this key factor, it will be up to you to choose the right auto insurance coverage when using your personal vehicle to deliver food.

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Reasons for the Livery Exclusion

If you are wondering why insurance companies exclude livery services, it’s all about risk.

Do you remember being asked how many miles you drive within a given timeframe? Some companies pose the question in terms of miles driven per day, week, month or year.

Nonetheless, they are looking for the very same thing. How much risk will the insurer be exposed to when insuring you?

The law of averages offers the best explanation here. The more miles you drive, the greater your risk of getting in an accident will be. Since insurance actuaries base eligibility and cost on risk, Livery Services is a logical exclusion on a personal car insurance policy.

BAP vs. PAP

As a food delivery driver, it is imperative that you understand the differences between a Personal Auto Policy (PAP) and a Business Auto Policy (BAP). Unless you have worked as a food delivery driver in the recent past, you probably carry personal car insurance.

Unfortunately, many new delivery drivers don’t understand how important it is to buy the right type of coverage until they’ve been involved in an accident.

A BAP does not exclude Livery Services because it was designed to meet the needs of driving a vehicle for work-related activities. Yes, the cost may be somewhat greater, but so, too, will the coverage be greater.

In fact, you will only be covered if you have a BAP or one of the newer hybrid BAP/PAP insurance products.

If you are involved in an accident with the wrong type of coverage, you will learn this lesson quickly.

The Impact of State-by-State Insurance Laws

Insurance laws may vary from state to state, but the types of coverage are universal, no matter where you live. For example, the definition of Livery Services remains the same in all 50 States.

However, the cost of that particular type of coverage can, and most often is, based on where you live.

Each state sets minimum coverage limits on such things as Bodily Injury Liability and Property Damage Liability, so that will have an impact on the ultimate cost of a policy.

Also, drivers in some parts of the country have a statistically higher risk of being involved in accidents, so that, too, will be reflected in a price quote.

Although laws vary by state, coverages are universally defined.

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Key Ways to Keep BringMeThat Auto Insurance Affordable

By now, you understand the importance of a car insurance policy that does not exclude Livery Services. You will probably opt for commercial coverage, the above-mentioned BAP.

Since you understand the base rate for this type of coverage is going to be somewhat higher than a personal auto insurance policy, you are probably wondering if there are ways to keep car insurance affordable.

It goes without saying that you can always do a bit of comparison shopping, but that isn’t the only thing you can do.

In fact, comparing rates between insurance providers is only one way to keep costs lower. Other key ways to find affordable coverage include:

  • Bundling insurance products
  • Maintaining a safe driver status in your state
  • Raising deductibles on collision and comprehensive coverage

In terms of bundling insurance products, most of the larger insurance companies may also offer:

  • Homeowners Insurance
  • Business Liability
  • Renters Insurance

Along with an assortment of other insurance products you may be interested in. You may, in fact, already have some of these policies, so why not find out how much it would cost to buy them all from the same company? Bundling is one of the key ways to cut costs.

A Final Look at Cost vs. Coverage

Your key takeaway in all this is that you cannot sacrifice coverage because of cost. It only takes one accident to drive this fact home, no pun intended.

You may need to pay a bit more for a Business Auto Policy, but you will ultimately pay less for better insurance than you would for injuries or property damage sustained in an at-fault accident.

Can you really afford NOT to be adequately insured?

Compare car insurance quotes right here to find the coverage you need at the best rate. Enter your zip code into our comparison tool below to get started.

References:

  1. https://www.trendhunter.com/protrends/ondemand-auto
  2. https://www.soa.org/files/pdf/P-21-05.pdf
  3. https://www.hg.org/car-accident.html
  4. http://traffic.findlaw.com/drivers-license-vehicle-info/state-car-insurance-information.html
  5. http://www.nasdaq.com/article/when-does-it-makes-sense-to-bundle-insurance-cm433410

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