With Uber Eats everywhere, and other food delivery services on the rise, delivering every food imaginable from five-star to fast food is convenient for many people. But just what happens if you are in an accident with one of these Uber delivery men or women? Does Uber’s insurance cover those involved? The answer is yes, in most cases, Uber’s insurance coverage should apply to Uber drivers delivering for Uber Eats.
Though as with nearly every accident or injury, exceptions can apply. Read on to learn about Uber, Lyft, and other delivery service insurances and what an accident might mean for you as a driver or a victim.
Uber and Lyft Insurance Coverage
The insurance coverage includes one million dollars of liability insurance per accident, along with one million dollars of uninsured/underinsured motorist benefits per accident, which is available to both driver and passenger(s).
Uber and Lyft also provide insurance for drivers who have the App on with no passengers – it applies before a ride request is accepted as well as after and provides $50,000 of insurance for each person plus $100,000 per accident, and $25,000 for property damage to other vehicles. Uber and Lyft both have $50,000 in comprehensive/collision insurance which applies when passengers are in the vehicle with Uber’s deductive at $1,000 and Lyft’s at $2,500 respectively.
Uber Eats Insurance Coverage Questions
On researching Uber’s insurance coverage, it should be applicable if an Uber Eats driver is in an accident in the following situations. If an Uber Eats driver has accepted a food request or is in the process of a food delivery, the one million dollar insurance coverage would apply, covering the driver as well as injuries and damages caused by the Uber Eats driver.
If the Uber Eats driver is injured in an accident with an uninsured/underinsured driver following the acceptance of a food request or in the process of picking up/delivering food, the Uber Eats driver would be covered for injuries and damages by one million dollars of uninsured/underinsured motorists coverage. And finally, should the Uber Eats driver have the Uber Eats app open and available, though without any food requests, the $50,000 per person, $100,000 per accident, and $25,000 property damage would be in effect.
Even so, there may be exclusions or limitations to any given policy regarding deliveries other than human passengers, and often life insurance is excluded all together. For Uber and Lyft drivers, this means it is important to check the company policy (reading through the independent contractor agreement thoroughly) as well as any personal insurance policy to ensure they have the needed coverage should an accident occur. Luckily, most states have detailed regulations regarding rideshare insurance, though food delivery work is still a gray area with little regulation.
Was Uber Eats Involved in Your Accident?
Determining if an Uber Eats driver was involved in your accident is not as easy as you might imagine. While many Uber drivers have stickers on their windows and Lyft drivers often sport the pink mustache emblem, not all Uber and Lyft drivers’ vehicles are so clearly marked.
In some cases, the driver or passengers may tell you, but in the case of an Uber Eats driver, a bag of food in the front seat is hardly evidence. After all, the driver of the car may just be picking up dinner for his or her family. And if they are an Uber Eats driver, chances are they won’t tell you for fear of suspension from further deliveries as a result of the accident. What now?
If you are involved in an accident and suspect the other driver was driving for Uber or Lyft, a well-qualified attorney can help. Here are steps an attorney will take to ultimately to help you, as an accident victim, get the compensation you deserve.
- Your attorney will begin by sending a formal request for disclosure regarding whether the driver was working for either company at the time of the accident.
- Next, your attorney will begin in-depth research to gather the information based available public records, including the accident report filed by the police, and requesting to speak with the driver, whose liability is covered by Uber Eats insurance from the time the delivery request is accepted to the completion of the delivery.
What if You are an Uber Eats Driver and the Accident Victim?
As an Uber Eats driver or a driver for one of the other food delivery apps (Amazon Flex, Postmates, or Door Dash), it is important that you know what insurance coverage applies to you as a driver for the service.
Each is different, and you, as a driver, need to be sure you are covered to avoid costly liability in the event of an accident. In most cases, this means you need your own insurance with collision as well as comprehensive coverage as well as the supplemental insurance provided by Uber, Amazon, Postmates, or Door Dash. You need to read your independent contractor agreement and any documents provided, and when in doubt contact a qualified attorney to ensure you have the needed coverage before an accident occurs. Chances are you will need some form of additional personal insurance coverage that is delivery specific, which in most cases won’t increase your insurance premium.
When in Doubt…
Whether you have been involved in an accident with an Uber Eats driver or are an Uber Eats delivery driver who was in an accident through no fault of your own, call on Attorney Brandon Stein and the professional legal team at SteinLaw for a free consultation.
Having helped all kinds of accident victims, the expert legal team at SteinLaw understand the nuances of liability law specifically related to Uber, Lyft, Uber Eats, Amazon Flex, Postmates, or Door Dash accidents. At your consultation, SteinLaw can answer your questions and help you get the compensation you deserve following your accident.