Getting hit by a food delivery driver in Kentucky can leave you with serious injuries, huge medical bills and a lot of questions. But the most pressing one is, who is going to pay for what? Many people assume DoorDash or Uber Eats automatically covers all damages because they belong to bigger companies, but the truth is not always straightforward.
When does insurance cover victims in delivery crashes?
If you were in a wreck involving a delivery driver, do not worry because insurance should typically cover the damages. However, know that coverage depends on the driver’s work status during the crash:
- App was off or not working: If the driver was not officially on duty, the driver’s personal auto insurance applies.
- App was on and driver was idle waiting for orders: Limited coverage may apply through the delivery company, but since the driver was not actively working, personal insurance is still primary.
- Delivery accepted and driver was en route: High-limit liability coverage will kick in for both DoorDash and Uber Eats (often up to $1 million). Normally, this should be enough to cover injuries and property damage.
If you are unsure how to file a claim, consider talking to a lawyer.
What do victims need to know?
Not all companies provide comprehensive coverage. For instance, some policies only focus on the third-party victims and not their damaged vehicle. Others may deny claims even though the driver was active on the app if they were not actively processing an order during the crash. You may have to file a complaint if you feel that your claim was wrongfully denied.
A quick note for drivers
As a delivery driver, you should know that your company’s insurance primarily protects third parties first before you. Make sure you get a separate policy that you can use for your own injuries or damage to your vehicle. You may need to recover for a while or delay going back to work while you secure another vehicle, so do your best to get sufficient coverage.
Why legal help matters
Without a personal injury attorney, you may have a hard time making insurers cover your injuries. So, consult one if you want to get fair compensation. Remember, a crash comes with multiple issues not limited to your physical injuries, so seek justice to protect your rights as a victim.
