Food delivery (DoorDash, Uber Eats, Grubhub), grocery delivery (Instacart, Shipt), and package delivery (Amazon Flex, Roadie) have exploded in El Paso. Each platform handles insurance differently, and most personal Texas auto policies exclude delivery activity unless specifically endorsed.
Platform coverage
- DoorDash: $1M liability during active deliveries, contingent only while delivering
- Uber Eats: same TNC framework as Uber rideshare
- Instacart: $1M occupational accident, plus contingent liability
- Amazon Flex: $1M commercial auto policy during active deliveries
- Grubhub: contingent collision and liability
If you were hit by a delivery driver
Determine the platform and whether the driver was actively delivering. Request the delivery log. The platform's insurer often pays primary; the driver's personal insurer secondary.
If you deliver for a platform
Your personal Texas policy almost certainly excludes delivery use. Add a commercial-use or delivery endorsement. Without it, an at-fault crash during delivery can leave you uninsured and personally exposed.
Frequently asked questions
What insurance covers a DoorDash driver in Texas?
$1M contingent liability during active deliveries. Driver's personal policy applies otherwise.
Will my personal policy cover deliveries?
Usually no — most Texas auto policies exclude commercial/delivery use. Add an endorsement before you start.
Who do I file a claim with after a delivery driver hits me?
Start with the driver's personal insurer; if denied or insufficient, the platform's contingent coverage applies.
Are delivery drivers employees or contractors?
Generally independent contractors, which is why platform coverage is contingent rather than primary.
Does Amazon Flex cover its drivers?
Yes — $1M commercial auto coverage during active deliveries.
This article is for general information only and is not legal or tax advice. For guidance specific to your situation, talk to a licensed Texas insurance agent. Ready to put it into practice? Get a free quote or request a policy review.