Does personal auto insurance cover driving for DoorDash or Uber?

No. Personal auto policies specifically exclude commercial and delivery use. When you are logged into a rideshare or delivery app, your personal policy will not cover an accident. Uber and Lyft provide some coverage during active trips but there are gaps, particularly during Period 1 when the app is on but no passenger has been matched. A rideshare endorsement or commercial auto policy is needed for proper coverage.