We spoke to an insurance company for liability claims, and had a question, and the young lady gave me this.

As the gig economy continues to grow, more and more people are turning to delivery apps as a way to earn extra income. However, before you jump behind the wheel and start making deliveries, it's important to understand the ins and outs of vehicle coverage and passenger endorsement. First and foremost, if you're planning to use your personal vehicle for deliveries as an independent contractor, you need to make sure you have the proper insurance coverage. Most personal auto insurance policies do not cover commercial use, which means that if you get into an accident while making a delivery, your insurance company may deny your claim. To avoid this situation, you should consider getting a commercial auto insurance policy that covers delivery services. This type of policy will provide coverage for accidents that occur while you're making deliveries, as well as any damage to your vehicle. In addition to insurance coverage, some delivery apps require drivers to have a passenger endorsement on their driver's license. This endorsement allows you to transport passengers in addition to making deliveries. If you plan to use your personal vehicle for both deliveries and passenger transport, you'll need to make sure you have this endorsement. Before you start driving for a delivery app, there are a few other things you should do to prepare. First, make sure your vehicle is in good working order and meets the app's requirements. This may include having a certain type of vehicle or meeting certain age or mileage requirements. You should also familiarize yourself with the app's policies and procedures, including how to handle deliveries, how to communicate with customers, and how to handle any issues that may arise. Finally, it's important to remember that driving for a delivery app is a job, and you should treat it as such. This means being professional, reliable, and courteous to customers at all times. In conclusion, if you're considering driving for a delivery app as an independent contractor, make sure you have the proper insurance coverage and any necessary endorsements on your driver's license. Take the time to prepare your vehicle and familiarize yourself with the app's policies and procedures, and remember to always be professional and courteous to customers. With the right preparation and mindset, driving for a delivery app can be a great way to earn extra income.