Call Us atWhen you are a food delivery driver, car insurance becomes complicated. Most drivers do not realize their personal policy will not cover on-the-job accidents. This can lead to denied claims when help is needed most, but a knowledgeable food delivery accident attorney may be able to help. At Libbey Law Offices, LLC, we understand Bothell insurance for food delivery app drivers. We could help you understand these confusing issues and properly seek compensation.
Why Would a Personal Policy Not Cover a Delivery Accident?
A personal auto policy is unlikely to cover a delivery accident because most policies exclude commercial activities, creating a significant coverage gap. While commercial insurance is a valid solution, it can be too expensive for many gig drivers.
Additionally, Washington’s minimum insurance coverage is often too low for a serious accident, leaving drivers underinsured. However, our Bothell accident attorneys could help you understand the insurance options available to food delivery app drivers.
DoorDash Insurance Coverage
DoorDash provides liability coverage of up to $1 million, but it has strict limitations. This coverage applies only during active food deliveries, from the moment a Bothell driver accepts an order on the app to the time it is dropped off. When the app is on but you are not on an active delivery, supplemental coverage is limited or non-existent, depending on the state.
Uber Eats Insurance Coverage
Uber Eats has its own insurance that only applies at specific times, similar to DoorDash. A major disadvantage is that the coverage is limited during the waiting period between orders. Furthermore, the online meal delivery driving coverage is contingent on your personal insurance denying the Bothell accident claim first—a process that can take months. This can put you in a difficult position when making claims with Uber Eats.
Grubhub’s Lack of Insurance Coverage
Among the major delivery apps, Grubhub provides the least insurance protection. They offer limited liability coverage only during active deliveries, and the amount covered is lower than that of other companies. Grubhub treats drivers as independent contractors, so drivers have very few protections. Consequently, many meal order drivers in Bothell purchase private commercial insurance, which can cost hundreds of dollars a month and cuts into earnings made through the app.
Required Insurance Minimums
When it comes to insurance, there are some things to consider to protect yourself. First, state minimums are often too low for a serious accident, so uninsured or underinsured coverage can be useful. Second, if you do not have the required commercial insurance, you will be legally responsible for anything that may happen when driving.
Even if you take precautions to protect yourself, understanding the insurance policies can be confusing. However, our car accident lawyers could help you through the legal process. If you are injured while driving for an online food delivery platform, our Bothell attorneys could review what your insurance covers and assess your options.
What To Do After a Delivery Accident
Seeking compensation after a delivery accident can be challenging. To protect your rights, take the following actions:
- Document everything–collect photos, witness details, and the police report
- Notify the proper parties–report the accident to the authorities and the food delivery app company
- Understand the time limit–you have three years to file a personal injury lawsuit should an insurance claim fail
- Talk to our lawyers–we could help you navigate the process and fight for the compensation you deserve
Our Bothell team knows it can be stressful taking all the necessary steps after a food transport accident, but we can guide you through the process of dealing with insurance as a driver for online platforms.
Call Our Bothell Attorneys for Insurance Claims When Driving for Meal Delivery Apps
Food delivery insurance is complicated. Many drivers do not understand their level of protection until an accident happens, and their claim is denied.
At Libbey Law Offices, LLC, we handle Bothell insurance for food delivery app drivers and understand how different policies work together. We could help you manage these complicated insurance situations, and we do not charge a fee unless you are compensated for your losses. Call or contact us online today to discuss your options.
