Call Us atWhen a food courier’s negligence leads to an accident, you want to be sure that you can seek fair compensation for your losses. However, although most popular food delivery apps require their couriers to carry reasonable auto insurance policies, that coverage is sometimes insufficient.
So, to cover the insurance gaps, accident victims can often file insurance claims with the food delivery companies. To qualify, certain conditions must be met and must align with the company’s food delivery app accident policies in Anchorage. An experienced food delivery accident attorney at Libbey Law Offices could guide you through the process and provide legal advice.
What Are the Elements of a Delivery App’s Accident Policy?
Although Uber Eats, DoorDash, Postmates, and Grubhub all have similar food courier accident policies in Anchorage, their terms vary. All company policies depend on the driver’s activity at the time of the accident and apply only as secondary coverage, meaning they begin after the driver’s auto insurance policy reaches its limits.
When a driver actively delivers food at the time of the crash, insurance liability coverage of up to $1 million may apply. By contrast, if the app was off, the driver’s personal auto liability policy typically covers the damages.
In situations where the app was on but the driver was not actively accepting or completing a delivery during the collision, the company’s accident policies may apply only to a limited extent.
However, the primary source of coverage would still be the driver’s personal insurance policy.
For example, Uber Eats provides limited coverage for in-app activity but no active delivery, while DoorDash, Postmates, and Grubhub do not. In essence, a driver’s in-app status and activity directly link to the app’s accident insurance coverage.
Understanding these policies can be difficult, which is why injured victims should engage the services of experienced food delivery app accident attorneys familiar with Alaska’s laws regarding these types of cases.
Determining Liability and Filing a Claim
Certain factors contribute to establishing who is responsible for the accident, as well as how much an injured victim can access as a settlement. These include:
- Driver in-app activity: Whether the driver logged into the app and actively delivered food at the time of the crash can determine the final settlement amount.
- The extent of injuries and property damage: Victims with catastrophic injuries or significant property damage, such as a totaled vehicle, will likely require large financial relief, compared to those with minor losses
- Determination of fault: Food delivery drivers who are at fault will assume the costs of treatment and other losses.
That is why it is critical to get legal advice from an attorney familiar with the different accident policies of food delivery apps and the laws in Anchorage.
Contact Seasoned Anchorage Food Delivery App Accident Attorneys
Traffic collision cases involving food couriers can be complex and highly nuanced. You need the help of experienced lawyers with a deep understanding of food delivery app accident policies in Anchorage to qualify for suitable compensation.
At Libbey Law Offices, our lawyers’ familiarity with Alaska laws and food delivery company policies allows us to help injured victims who were hurt in an accident involving food delivery app drivers. Contact us today to explore your legal options.
