The food delivery industry has expanded, leading to more accidents involving Uber Eats, DoorDash, Grubhub, and other delivery apps. Filing a food delivery accident claim in Miami can be complicated due to the multiple insurance policies and requirements involved in the process.
At Kaire & Heffernan, an attorney will help you navigate the insurance process, preserve important evidence, and pursue the compensation you deserve as efficiently as possible.
Florida’s no-fault auto insurance system can make submitting vehicle collision claims complicated, including those involving food delivery drivers in Miami. There are several key points for you to understand.
State law requires drivers to carry personal injury protection (PIP) coverage, which pays 80 percent of medical bills up to $10,000 and 60 percent of lost wages. You must begin medical treatment within 14 days of the accident and file your claim within 30 days. If you have PIP coverage, you must seek compensation for payment of medical bills or lost wages through it first.
Accident victims frequently make critical errors when handling PIP claims. Missing the 14-day medical treatment deadline is one of the most damaging mistakes, as it can result in a complete denial of benefits. You should seek medical attention promptly and discuss your PIP coverage with our accident attorneys.
The state’s no-fault system requires victims to file PIP claims with their own insurance first, regardless of fault. While insurance companies must pay within 30 days of receiving a claim, factors such as late medical treatment, preexisting conditions, and insufficient documentation can often lead to your claim being denied. Even though it is your own insurance provider, it is crucial to allow your attorney to handle PIP procedures.
If your injuries exceed PIP limits, you can file a fault-based claim against the liable parties to pursue additional compensation from the delivery driver or company. Making a third-party claim requires proving the meal delivery driver was negligent and responsible for the crash in Miami.
Third-party insurance coverage for food delivery companies is complex, as each has its own policies and limits. Uber Eats and Postmates provide $1 million in coverage during active deliveries. DoorDash offers supplemental coverage after the driver exhausts their personal policy. Grubhub provides no auto liability insurance, leaving victims to rely on the driver’s personal policy.
Corporate coverage also depends on the delivery driver’s status at the time of the accident. If the driver was making an active pickup or delivery or waiting for an order to come in, coverage limits vary by company, and personal insurance often applies first. If the driver was offline, only their personal auto insurance applies.
Evidence such as application screenshots, delivery receipts, and witness statements is essential to prove the driver was working when the accident occurred. Our injury lawyers will help you identify the right insurance claims to file.
The state’s complicated insurance system and confusing food delivery coverage make it essential for you to consult an experienced attorney when filing a food delivery accident claim in Miami. At Kaire & Heffernan, we understand both PIP claims and third-party liability cases, including the deadlines and evidence required for each.
Our lawyers document the delivery driver’s work status, determine which insurance policies apply, and negotiate with multiple insurers simultaneously. We handle all communications with adjusters to prevent errors and protect your right to full compensation. Contact us today to schedule a free consultation with our attorneys and explore your legal options.
(305) 876-6001