Accidents involving delivery drivers are on the increase. Among transportation accidents, delivery drivers have the highest number of fatalities. Although the average delivery driver pays $304.83 per month in insurance, if you are injured in a delivery driver accident, many layers of insurance and loopholes can complicate an insurance claim.
Accident Insurance Loopholes
An auto accident injury lawyer first has to determine whose insurer pays—the company? the driver? or both? But lack of proper insurance makes many claims complex. In a recent case in which a GrubHub driver in Chicago injured a woman in a hit-and-run, the driver did not have a driver's license, thereby voiding his insurer's liability. The insurer could hold GrubHub and the driver responsible for negligence to try and avoid paying out the claim.
In other cases, the drivers mistakenly believed they had the proper insurance. A female delivery driver in Colorado had insurance but not ridesharing insurance. Without proper insurance coverage, the other party's accident lawyers are now going after her personally for damages, forcing her to declare bankruptcy.
The Many Layers of Delivery Driver Insurance
Filing a claim is complicated by several layers of insurance coverage. Many drivers have three tiers of insurance coverage.
Third Party Liability Coverage: At a minimum, delivery service drivers are required to have third party injury and property damage coverage. If the driver is not the owner of the car, they must be listed on the car's coverage. Optionally, comprehensive insurance coverage can be taken out to cover damage to the driver's vehicle and property.
Delivery/Ridesharing Coverage: Standard auto insurance does not cover the business of making deliveries. Delivery or ridesharing insurance covers third party damage to vehicle and property but may not cover a car if it is used for delivery only or full-time delivery services.
Company Contingent/Partner Insurance: Deliveroo, DoorDash, and UberEats are among the many delivery companies recently adding partner insurance as a driver perk. The company's contingent liability policy may cover driver injury, property, and death coverage over and above that covered by other policies.
When are you covered?
When the accident takes place can substantially affect the size of your claim. Company coverage may apply at three different stages when the app is on and the driver is:
- waiting for a pickup request
- picking up customers
- driving passengers (the ride is in progress)
If your vehicle is hit by a delivery driver waiting for a pickup request, the bodily injury and property damage claim may be under $100,000. Whereas if the accident takes place while a ride is in progress, third-party liability coverage of $1 million is common.
If you are in an accident with a delivery driver, immediately seek medical aid, contact your insurer, and an auto accident injury lawyer to begin the process sorting out insurance liability. Learn more by contacting services like Borbi Clancy Patrizi, LLC.