Active-delivery coverage stacks on personal auto.
DoorDash, Uber Eats, and Grubhub all carry contingent commercial liability policies (typically $1M+) that activate when a driver is on an active delivery. The driver's personal auto policy is primary; the platform's policy is excess. This stacking can mean the difference between $25K/$50K minimum coverage and $1M+ total available coverage. Identifying the trip state at the crash moment is critical.