Understanding food delivery app accident policies in Miami can be complicated for both victims and drivers when trying to establish what is covered. Companies such as UberEats, DoorDash, and Grubhub all have different insurance coverage, and this affects who is liable for your damages after an accident.
Knowing which coverage applies is essential to pursuing full compensation after an injury. At Kaire & Heffernan, our attorneys will help you handle these complexities and protect your rights.
UberEats uses a three-tier insurance system based on driver activity. When a driver is offline from their company’s system, only their personal auto insurance applies. When waiting for orders, UberEats provides limited coverage, which is typically $50,000/$100,000/$25,000. When actively delivering, UberEats provides up to $1 million in liability coverage.
It is important to know the driver’s status to understand when UberEats’ coverage applies. If you were injured in a crash in Miami, our attorneys will document the driver’s activity and status on UberEats’ system to establish which insurance applies.
DoorDash provides supplemental coverage that works alongside the driver’s personal insurance, as follows:
By accurately documenting a driver’s schedule of deliveries and status on the DoorDash application after a collision, our Miami legal team will seek compensation from the applicable insurer on your behalf.
Some companies, including Grubhub, Instacart, and Shipt, provide limited or no liability coverage. Drivers often rely primarily on their personal insurance, which typically excludes commercial activity.
This limited coverage can make it difficult for you to recover compensation when drivers delivering for these companies cause a crash, and you may need to file a claim through their personal policy.
Coverage gaps can occur when drivers are:
You could be denied compensation if you cannot prove the driver was actively delivering at the time of the crash. Keeping screenshots, photos of delivery bags, and witness statements helps you to prove coverage and support your claim. Our attorneys are experienced in handling claims where coverage at the time of the incident is contested due to a Miami meal delivery driver’s status on their company’s system.
After an accident, you should first call 911 and seek medical attention. Taking the following steps could also improve your chances of recovering damages:
These details could help your claim for compensation to proceed more smoothly.
Settlement can be slow due to the complexity of multiple insurers. Liability disputes between companies, investigation periods, and the need for medical documentation often extend the process. Companies may deny responsibility or make low initial settlement offers. Having strong evidence and legal guidance from our firm could significantly improve the outcome of your claim.
State law currently gives most personal injury claimants two years from the date of an accident to file a lawsuit. Acting quickly is critical to protect your legal rights and avoid losing your ability to recover compensation after a crash with a food delivery app driver in Miami.
Consulting with a lawyer who is knowledgeable about food delivery app accident policies in Miami could help you get the compensation you deserve. At Kaire & Heffernan, we will guide you through insurance claims, protect your legal rights, and help you recover damages. Our team handles coverage disputes with companies such as UberEats, DoorDash, and Grubhub with personal attention and dedication. Call or contact us online today, and we will review your case and help you navigate the process.
(305) 876-6001