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If you are a delivery driver or were in an accident with one, you want to know what your options are and who would pay for your damages. Learn more as we review the insurance policies available to gig workers, their passengers, and third-party victims, and when it is time to seek legal advice.
The award-winning personal injury attorneys at Ponce Law explain insurance coverage for Uber Eats and DoorDash accidents. So, if you get in a wreck, you know what to do next.
Uber Eats and DoorDash do not provide their non-employee delivery drivers with commercial insurance that covers their property or injuries.
Both companies do require their independent contractors to maintain Tennessee’s minimum mandatory liability insurance. Under state law, these limits per accident are $25,000 per person, $50,000 per accident, and $25,000 in property damage coverage.
When Uber drivers are en route or on a trip, the transportation network company provides insurance coverage of up to $1 million for passengers or third parties. This is for when the accident is the gig worker’s fault. As DoorDash does not provide ridesharing services, passengers are not covered by the company’s commercial auto policy.
Uber Eats knows that accidents happen and that sometimes its drivers are responsible. If another person gets injured or their car is damaged, the transportation network company’s third-party liability insurance offers coverage. This means it would pay for injuries up to $50,000 per person or $100,000 per accident and property damage up to $25,000 per accident.
Third parties who are injured in a collision with an at-fault Dasher are also protected under DoorDash’s third-party auto liability coverage. However, this would only apply during the delivery period, but it would provide up to $1 million in personal injury and property damage combined.
Uber and DoorDash’s third-party policies, as well as your personal auto coverage, may have gaps that can cost you. Uber recommends that its drivers purchase Optional Injury Protection insurance. This policy would pay for a driver’s medical expenses that are in excess of your policy limits. You also want to ensure that your personal insurance covers commercial activities, or you may face a denial.
DoorDash does not provide coverage for your injuries or car repairs when you are a driver, regardless of who was at fault. In the event of an accident, you must file a claim with your own insurance provider to cover medical bills and other damages.
Whether you are a driver, a passenger, or a third party, you need to know about insurance coverage for Uber Eats and DoorDash accidents. Do not risk a denial. Consult with one of our seasoned lawyers to help you navigate the legal complexities around these types of cases.
Ponce Law is the dominant personal injury law firm in Nashville. We have been around for a long time, and our local community means everything to us. This is why we would aggressively pursue justice on your behalf after an accident with a rideshare or delivery driver.
