Anchorage Insurance for Food Delivery App Drivers

Food delivery app drivers in this city are often required to carry liability insurance policies that cover at least $50,000 to $100,000 for bodily injuries and $25,000 for property damage in the event of an accident. This way, if they are involved in a collision, their insurance will cover some of the losses that they or their victims may incur. However, these policy limits are sometimes insufficient for the extent of injuries or property damage. Without additional coverage, victims may be left struggling to pay their hospital bills or repair costs. This is where a lawyer experienced in Anchorage insurance for food delivery app drivers could help. The experienced food delivery accident attorneys at Libbey Law Offices could explore alternative insurance options that may cover the gaps in policy coverage.

Common Insurance Policies That Food Delivery App Companies Offer

Most drivers and victims in Anchorage are probably unaware that food delivery apps—such as Uber Eats, DoorDash, Postmates, and Grubhub—have additional insurance policies that specifically cater to car crash scenarios involving their drivers.

These are largely meant to be supplementary and may only be accessed after the driver’s personal liability coverage limits have been exceeded.

These insurance policies feature a contingent liability policy of up to $1 million for DoorDash, Uber Eats, Postmates, and Grubhub drivers. These are typically considered third-party liability policies and have certain conditions that must be met before victims can access them.

These include:

• DoorDash’s Third Party Liability policy, under which drivers must be logged into the app and actively delivering food, meaning that if a crash occurs when they are logged in but not on a delivery, the driver’s personal auto insurance provides the default coverage
• Uber Eats’ Contingent Liability insurance, which covers drivers during active deliveries, provides limited coverage while they are logged in but not delivering food, and primarily applies when a driver’s insurance is unavailable
• Postmates’ Excess Automobile Liability coverage, which applies once a courier’s own auto insurance limit is exceeded and only during active deliveries; however, the company also provides general liability coverage for couriers who cause accidents or property damage while delivering food on foot or by bike
• Grubhub’s Supplemental Occupational Accident Insurance policy, which provides excess liability coverage when a courier’s own policy limits have been exceeded and applies only if the delivery partner is logged in and actively delivering food at the time of the accident

Contact an Anchorage Lawyer To Discuss App-Based Food Delivery Driver Coverage

Delivery app driver accidents can be complex, particularly when injured victims want to file an injury claim with the food courier services. These companies may deny claims involving driver negligence.

However, with the help of a lawyer experienced in Anchorage insurance for food delivery app drivers, there is hope. Libbey Law Offices could help you understand the specifics of your situation, offer viable legal options, and pursue satisfactory outcomes.

Get in touch with us today to discuss your case.