At first blush, the claims process for an accident involving a food delivery driver is similar to most other car accident cases. Those who are injured are expected to first seek medical payments and wage loss coverage through their own Personal Injury Protection (PIP) policy, with the option in some cases to seek compensation from a liable party once the PIP coverage runs out. However, the employment status of many local food delivery drivers and how that impacts liability can be confusing. Our knowledgeable attorney could help you understand Aventura insurance for food delivery app drivers and how it impacts you if you are involved in an accident with one.
Most of the major food delivery services use an app not only to communicate with customers but also to communicate with drivers about what the customer needs. The drivers for these platforms are typically classified as independent contractors, meaning the liability of the platform itself when an accident occurs is limited. When drivers are accepted to work for food delivery platforms, they are required to have the minimum insurance coverage for Aventura drivers, which includes $10,000 in PIP coverage and $10,000 in property damage liability. Due to Florida’s no-fault system, drivers are not universally required to purchase bodily injury liability coverage, but specific circumstances require it, such as a driver adding uninsured/underinsured coverage to their policy.
Delivery drivers are supposed to inform their insurance company if they are using their vehicle for commercial purposes and purchase commercial coverage. However, many drivers do not do this. Because they are not covered for commercial activities, the insurance company will commonly deny claims involving accidents while the driver was making deliveries. However, most delivery companies provide liability coverage for their drivers while they are active on their app, either waiting for or making deliveries. This coverage may vary depending on what part of the delivery process the driver is in when the accident occurs, and it can be up to $1 million in some cases.
One of the most important services an experienced food delivery app driver lawyer in Aventura can provide to those who have been injured in this type of accident is legal guidance and understanding of the insurance coverage and liability. An attorney from Kaire & Heffernan can listen to the details of your case, answer your legal questions, and help you have a better understanding of the process. We also help value your claim, communicate with insurance companies (including your own), and represent you in court if necessary. We will gather evidence and documentation, seek witness testimony, and help you collect your award at the end of your case. Because our legal team works on a contingent fee basis, you do not need to pay any money up front to have us help you with your claim.
If you have been injured in an accident involving a delivery driver, knowing the insurance policies that can be accessed to compensate you for the harm you experienced is important. Let us help you understand your legal options. Contact us for a free case evaluation about Aventura insurance for food delivery app drivers.
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