All the delivery services require their drivers to carry personal insurance in the event of an accident.  From that point, the different delivery services run things a bit different.  DoorDash carries coverage on drivers after their personal insurance is exceeded and others have different stipulations.  Additionally, there is also the wrinkle whether they were actually working for the delivery service at the time or waiting and that has all to do with the “status” they were in at the time of the accident.  Additionally, some insurance companies will not accept a claim if the driver did not designate that the covered vehicle was being used as a delivery service.  In most cases if you have been injured or had significant damage to your vehicle, you should retain the services of an experienced auto accident lawyer like Javier Marcos that has extensive experience in handling cases involving on-demand delivery drivers.