Uber Eats is a popular food delivery service that allows people to enjoy the foods from their favorite restaurants by sitting at the comfort of their homes. What happens if you get involved in an accident with an Uber Eats vehicle? Let us find out the answer.
Uber Eats Insurance Coverage
Uber Eats offers $1 million insurance coverage that applies if the driver has accepted the delivery request or is on his/her way to the delivery/pick up spot. The insurance will cover the injuries and other damages that were caused by the Uber Eats driver.
In case the Uber Eats driver gets injured in an accident that is caused by an uninsured/underinsured driver after accepting the delivery request or while they are in the process of picking up or delivering food, he/she will be covered by $1 million uninsured/underinsured motorist coverage.
If the Uber Eats app is kept open but the driver hasn’t accepted any delivery request at the time of the accident, then $100,000 per accident, $50,000 per person and $25,000 property damage would be in effect.
There can be various limitations and exclusions to the given insurance policy depending on various factors.
How To Determine If Uber Eats Driver Was Involved In Your Accident?
Figuring out whether the driver that caused your accident works for Uber Eats is not always that easy. Not all Uber Eats vehicles will be clearly marked with stickers on windows.
If you ever get involved in an accident and suspect that the other party was driving for Uber Eats, you can contact a reputed accident attorney. Your attorney will send a formal request for disclosure regarding whether the driver who was involved in the accident was working for Uber Eats. As the next step, your attorney will conduct detailed research to collect information from public records and the accident report filed by the police. He/she may also request to speak with the Uber Eats driver whose liability will be covered by the Uber Eats insurance from the time the driver accepts the delivery request to the time he/she completes the delivery.
Because of several exceptions and exclusions in the Uber Eats insurance policy, the drivers have to check the company insurance policy thoroughly to ensure that the injuries and damages in an accident that happens while they drive for Uber Eats will be covered.