The current economic downturn due to the COVID-19 pandemic has made on-demand food delivery services like Uber Eats an attractive option for people to make extra money. Also, as most people are staying and working from home, the demand for such services has surged. As a result of this, food delivery services like Uber Eats have hired more people as drivers. However, one drawback of this is that the incidences of food delivery driver accidents also increased. The purpose of this article is to investigate some legal aspects of accidents involving Uber Eats drivers.
Food Delivery Work Is Not Covered By Personal Auto Insurance
According to the US Federal Government, food delivery driving is one of the most dangerous jobs in the country. Despite this, many people pick this job because there is a high demand for it, and is an easy way to earn money amid the prevailing large-scale unemployment. An auto accident not only causes physical harm but also causes a financial setback. So, it is important to have great auto insurance, as well as know the legal proceedings.
Most on-demand food delivery services require their drivers to carry personal auto insurance. Often, they hide the information that this insurance will not cover damages during work or commercial purposes like delivering food, etc. People engaged in this line of work usually find this out when they are involved in a traffic accident. They discover that medical expenses, property damages, or third-party expenses are not covered by their insurers. When these claims are denied by the insurance company, they will have to pay for the expenses out of their pocket.
Drivers relying on the commercial insurance provided by on-demand food delivery services like Uber Eats must know that they come with a lot of restrictions. They focus primarily on covering or setting third party damages to protect their reputation. This is because these food delivery companies consider their drivers as independent contractors rather than their employees. The commercial insurance kicks in after the personal auto insurance is used up. Also, there have been instances where insurance does not cover property damages. So, if you are an Uber Eats driver involved in a road accident, the best way to get the issue resolved is to hire the services of an Uber Eats accident lawyer.
Uber Eats Company Insurance Policies
Before, working for an on-demand food delivery company like Uber Eats, you must read through their auto insurance document to know what is covered under it. Based on this, you can modify your personal auto insurance which you are required to carry on the person. This helps to avert financial liability, in case of a road accident when you are working as an Uber Eats food delivery driver.
Insurance Coverage Of Uber Eats
Uber Eats is an on-demand food delivery service based in San Francisco, and it has commercial insurance policy coverage up to $1 million worth of liability per accident. This is like that of the rideshare programs which reimburses third-party liability claims against Uber Eats drivers, and it does not cover the damages sustained by the vehicle of the driver. Also, during the process of delivery, there is contingent comprehensive collision insurance coverage. But it is only available for those drivers who have comprehensive personal auto insurance, that too for those who have not lapsed on their insurance payments.
This supplementary insurance coverage by Uber Eats is only available after you have used up all your personal auto insurance coverage money. It pays for the accident-related damages to your vehicle up to its actual cash value. Also, the business takes care of the damages to your vehicle after you pay a $1,000 deductible. Moreover, Uber Eats does not provide underinsured and uninsured accidental coverage.
Apart from this, the delivery partners of Uber Eats have access to commercial auto liability insurance policy. This includes a total of $100,000 per accident for bodily injuries and up to $50,000 for each individual. It also covers property damage between deliveries, and this amount is up to $25,000. If the expenses exceed this limit, it must be paid by the delivery partner. Besides, this insurance will not protect if you have finished or if you are on the way to pick up the takeaway from the restaurant.
Filing Liability Claim
An Uber Eats driver who got injured during delivery can file a liability claim against the at-fault driver with insurance with the help of an Uber Eats accident attorney. If the at-fault driver’s coverage is not sufficient to cover medical bills, the injured driver must file a claim with Uber Eats insurance. Furthermore, the delivery driver must report that his/her car was involved in an accident.
A driver, passenger, or pedestrian who got injured in an accident involving an Uber Eats driver can file an Uber Eats insurance claim. This is done if the at-fault driver’s insurance is not sufficient to cover medical bills.
These are some of the important points that you must remember for accidents involving Uber Eats drivers.