Meal delivery apps are an increasingly popular way to get food delivered to your doorstep, quickly. When you order from Grubhub, UberEATS, Doordash, Postmates, or other meal delivery services, one of their drivers picks up your meal and delivers your order.
If you’re among the millions of delivery app users, there are a few things to keep in mind before you find out your $10 fast-food delivery order may actually cost you thousands.
Many restaurants and delivery services ask drivers for proof of insurance before they can work for the company. Unfortunately, most personal insurance policies will deny coverage for accidents that occur while a driver is working. This means that the delivery driver’s policy probably won’t cover losses in the event you are involved in a collision or suffer vehicle damage as a result of their negligence.
While some meal delivery companies offer their drivers supplemental insurance policies, others do not. It is also important to keep in mind, delivery drivers don’t typically make a lot of money, therefore most can’t afford extra coverage. Others don’t even know it’s available. When a delivery driver does not have the proper coverage, you with either have to try and collect against the low-income worker or seek alternative insurance coverage, like the kind a delivery driver’s employer may have.
Your ability to recover compensation might depend on which app the driver was using. Below are examples of some current company policies:
- Grubhub does not provide any liability insurance for its drivers. If you are involved with an auto collision with a Grubhub driver you will have to pursue a claim against the negligent driver.
- UberEats applies a three-stage liability system for its drivers. If the driver was actively delivering an order, you could file a claim against Uber’s $1 million policy.
- Doordash and Postmates you must file a claim with the driver’s insurance first. Doordash and Postmate’s supplemental policies will cover damages that exceed the driver’s insurance limits.
In February 2019, a bill was presented to amend current California Law and the guidelines surrounding auto insurance pertaining to food delivery drivers.
The bill would require a food delivery platform to maintain minimum liability insurance, as specified, that covers liabilities arising from a food delivery driver’s use of a vehicle in connection with the food delivery platform’s online-enabled application or platform. The bill also requires the State Department of Public Health to enforce these provisions and would impose a civil penalty of no more than $25,000 against a food delivery platform that violates the requirements imposed by this bill.
On August 12, 2019, the bill was still under review.
If you have questions about a car crash involving a delivery app driver, consult with your auto insurance provider or a reputable attorney. Typically these types of insurance claims require a bit of research and analysis to ensure you are processing your repair claim properly.
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