Food delivery apps have reshaped how people order meals. However, services like Uber Eats, DoorDash, and Grubhub rely on independent drivers who often rush to complete orders, creating a higher risk of accidents. When a crash occurs, the question of liability becomes complicated as it involves the driver’s personal insurance and the delivery company’s policies.
At Kaire & Heffernan, we understand the unique challenges these cases present. Understanding liability when a food delivery app driver causes an accident in Miami is critical for recovering compensation and moving forward after an injury. Contact our experienced food delivery collision attorneys to discuss liability in relation to your injury claim.
The delivery driver is the starting point in any accident claim. Like any motorist, a delivery driver owes a duty of care to others on the road. When that duty is breached—by speeding, distracted driving, or ignoring traffic laws—the driver can be held personally liable.
People may think that personal auto insurance policies will cover delivery drivers, since they are using their own vehicles. However, these policies may explicitly omit coverage for commercial activity. This exclusion creates challenges for victims seeking compensation, especially if the driver lacks adequate personal coverage.
It is the driver’s responsibility to get insurance coverage for when they are involved in commercial activities. It is simpler to establish liability when a driver has a policy covering commercial driving. When they do not, victims may need to explore third-party liability.
Food delivery companies attempt to classify their drivers as independent contractors, which limits the company’s responsibility for accidents. Despite this, most food delivery services carry liability policies that apply to Miami drivers actively logged into the app at the time of an accident.
Coverage typically depends on the driver’s status at the time of the crash. If the driver was not logged into the delivery app, then only their personal insurance applies. If they were logged into the app but not on a delivery, the company’s limited liability coverage may apply. However, there are typically higher company-provided liability limits if the driver was actively completing a delivery at the time of the accident.
Determining which coverage is available requires analyzing app records, time stamps, and driver activity. Our lawyers focus on proving the driver’s work status at the time of the accident to ensure the proper insurance coverage is triggered.
Building a strong liability case requires gathering detailed evidence. The important steps to take to support a claim include:
Delivery companies and insurers often dispute liability, arguing that the driver was acting independently at the time of the accident in Miami. By investigating all sources of evidence, our attorneys can demonstrate fault and pursue compensation from the correct party.
Understanding liability when a food delivery app driver causes an accident in Miami can be overwhelming without legal support. At Kaire & Heffernan, we investigate driver actions, insurance coverage, and company policies, providing you with a clear path to justice. Contact our attorneys today to begin protecting your rights and pursuing the compensation you deserve for injuries caused by a crash with a food delivery driver.
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