What Do You Do If You Are Injured by An Uninsured Delivery Vehicle?
How will you be compensated if you suffer injuries in an accident caused by one of these drivers? Do you know what you can do to protect yourself in this event? We now know that there may be drivers making deliveries without car insurance coverage, so, okay.
Make sure you have sufficient motorist coverages for uninsured and underinsured (UM/UIM coverage) on your vehicle. These coverages are affordable and will cover your medical expenses, lost income, and provide compensation for your pain and suffering in the event that you are involved in an accident with an uninsured or underinsured driver. We advise all of our clients to have a minimum of $100,000 in uninsured and underinsured coverage to ensure their protection.
If you’re uncertain about your insurance coverage as a delivery driver or if you have sufficient coverage for uninsured incidents, please contact us immediately! We will assess your policy to guarantee that you have the appropriate insurance. As we explain further down, having knowledge is advantageous, which is why we provide this service to our community without any cost!
Are You Covered for A Car Accident with An Instacart Vehicle?
When my 18-year-old daughter started working for Instacart in early March, I was concerned about the potential pitfalls of this job, especially considering the high risk of getting into a car accident as a personal injury lawyer who handles cases involving car accidents. The outcome of such accidents can be incredibly painful. However, if you were to start making deliveries right away using a smartphone and a car, you can minimize the risk. These companies, such as Instacart, GrubHub, and DoorDash, have become incredibly popular for both making deliveries and providing services to people who are sheltering in place to reduce the spread of COVID-19.
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THIS SECTION RELATES TO THE REGULATIONS AND STATUTES, APPLICABLE LAWS THAT EVERYONE MUST FOLLOW. IF YOU AGREE TO THE TERMS AND CONDITIONS STATED ABOVE, IT IS YOUR RESPONSIBILITY TO ENSURE THAT YOU HAVE THE REQUIRED AUTOMOBILE COMMERCIAL INSURANCE COVERAGE IN YOUR JURISDICTION. FOR EXAMPLE, YOU MAY BE REQUIRED TO HAVE AUTOMOBILE COMMERCIAL INSURANCE COVERAGE IN YOUR JURISDICTION. PLEASE NOTE THAT THE ITEMS LISTED IN THIS SECTION DO NOT ENTITLE YOU TO RECEIVE COVERAGE OR SERVICES SUCH AS INSURANCE COVERAGE FROM INSTACART. ALSO, PLEASE UNDERSTAND THAT INSTACART DOES NOT PROVIDE ANY INSURANCE COVERAGE FOR YOUR AUTOMOBILE OR VERIFY WHETHER YOUR AUTOMOBILE INSURANCE COVERAGE COVERS THE PERFORMANCE OF YOUR SERVICES.
Unfortunately, few of these drivers realize that if insurance is offered by the insurance provider at all, it must be separately purchased as a courier vehicle insurance policy. When accidents occur while making food deliveries, this kind of insurance may not cover the accidents, and the burden of securing their own personal car insurance falls entirely on these drivers.
There are many other delivery drivers on the road today that are not covered. We suspect this is the reason why my daughter’s Instacart career ended. Mutual Liberty does not offer insurance coverage for food delivery services. Mutual Liberty also does not offer insurance coverage for temporary situations. This coverage ended from 16 March to 2020.22 May. However, during the height of the pandemic, Mutual Liberty and other insurance providers extended coverage and protections to delivery drivers, like my daughter, who used their personal cars to deliver food for customers.
Car insurance assists in covering these expenses. If you are involved in a car accident and do not have insurance, both you and any other drivers or passengers affected may be responsible for all costs incurred. A wrongful death lawsuit, worth millions, could arise from a car accident resulting in a fatality. Medical bills amounting to tens of thousands of dollars can arise from injuries sustained in a car accident. Vehicle damage caused by a car accident can result in thousands of dollars in costs.
Your 18-year-old daughter wants to earn some money before starting her freshman year of college in the fall, so she is able to secure a job using her own car to make deliveries and earn approximately $2,500 per week or $200-$300 per week for the summer. Assuming you have insurance coverage on the car and your daughter has the necessary insurance coverage, she is now using the car in a commercial venture for deliveries. Especially the elderly, who are reluctant to go to the grocery store for fear of contracting the virus, people, our economy has increasingly difficult due to the impact of COVID-19. Traditional seasonal work has become increasingly challenging. Therefore, services like Instacart flourish.
Outcome: The outcome of the inversion is not provided.
During the summer, all this danger is taken on for the opportunity to earn $2,500! Along with the student loans that need to be repaid after college, she will also carry the burden of an outstanding court ruling to be concerned about. As she enters the next stage of her adult life, your daughter’s future earnings and accumulation of wealth are now overshadowed by this dark cloud of indebtedness. Furthermore, it has been discovered that the court ruling is valid and can be enforced for 20 years, indicating that your daughter is unable to satisfy the judgement due to her lack of assets and limited income as a young individual. In the event that the man decides to sue your daughter, it is highly probable that he will be successful in obtaining a judgement that requires your daughter to compensate him for the damages incurred. Consequently, your daughter is now personally liable for this man’s damages, which will undoubtedly amount to hundreds of thousands of dollars.
It is crucial to have proper insurance coverage to ensure that you are adequately protected in the event of accidents occurring on a daily basis. While I apologize for using tactics that may scare you, it is important to understand the real and significant risk involved if you do not have the appropriate coverage before you start driving for any of these delivery companies.
Knowledge is Power After an Accident.
If you have been injured in a car accident in Boston and want to be fairly compensated, it is important to understand your legal rights before making any decisions. At Law Group Spada, we offer free consultations and provide free consumer guides and videos to answer many of the questions that bicycle accident victims may have. Take a look at our website to download free information or contact us for a free consultation. Before speaking to an insurance adjuster or signing any paperwork, it is crucial to have all the information you need so that you can make a smart decision about hiring a lawyer.