Food delivery services, like DoorDash, UberEats, and Postmates, have made it easy for millions of people to get delicious food from their favorite restaurants without leaving the comfort of their house or apartment. Uber has been successful in recent years by modelling their food delivery service on their well-known rideshare system. This involves using a third-party independent contractor to pick up your food and deliver it to your location, all thanks to an app.
With the widespread popularity of Uber and similar companies, it brings up the question of how these companies handle injuries that their drivers sustain while out on the job.
INSURANCE POLICIES FOR FOOD DELIVERY SERVICES
If you want to earn some side income and drive for companies like Postmates or UberEats, you are first required to have your own personal insurance for your vehicle. While the $1 million insurance policies that many of these companies advertise as their commercial insurance may look appealing at first glance, the specific details in these policies might require a second look.
Uber has come under fire in recent years for their allegedly unfair practices with their drivers. One example of this can be found in the way their insurance policy actually works when one of their drivers get in an accident. Essentially, Uber’s $1 million insurance policy only applies after you’ve accepted a ride or order, and ends once you’ve dropped a passenger or food order off. If you sustain injuries in an accident while waiting for a delivery request, or if you were not in “online” mode, the company’s policy does not cover you.
Even if Uber’s insurance is able to cover your damages, there’s also a high likelihood that your account will be deactivated following the accident, which means you could go weeks being unable to drive and earn an income.
NEW YORK RIDESHARE ACCIDENT ATTORNEYS
If you’ve been injured while working for a food delivery service, you may have difficulty getting your medical bills and lost wages covered. If this happens, contact the experienced New York car accident attorneys at Pollack, Pollack, Isaac & DeCicco, LLP. Contact our office today at 929-223-4195 to learn more about your options.