Bronx Delivery Accident Lawyers

Skilled Delivery Driver Accident Lawyers In The Bronx

The ubiquity of services like Amazon, Uber Eats, and DoorDash is a trend that’s only growing; as their delivery vehicles proliferate on our roads, the likelihood of a delivery driver accident increases. If you’ve been involved in a crash with any type of delivery driver, you may be eligible for legal recourse, so don’t wait to look into your options.

If you were hurt in a delivery driver accident, our team of experienced Bronx delivery accident lawyers is here to help. With years of experience handling cases like yours, we are committed to making the claims process as simple as possible and helping you get the most compensation available. It doesn’t matter if it was an Amazon, Uber Eats, Postmates, or DoorDash driver involved in the crash; Rosenberg & Rodriguez can provide all the legal support necessary throughout this trying period.

Standard Motor Vehicle Accidents vs Delivery Vehicle Accidents  

Car crashes can be complicated, yet those involving delivery drivers are especially intricate due to the extra factors that may come into play. Depending on the specifics of the accident, it could determine which insurance policy should take precedence – for instance, if an Uber Eats driver caused a collision while on an errand delivering food, then more than likely Uber’s coverage would serve as primary liability protection. On the contrary, if a delivery driver had just delivered a package and was on their way home, Uber’s policy might be inapplicable. In such events, everything comes down to precisely how the crash happened – whether they had taken another task already or were still awaiting calls for additional deliveries rather than heading back home.

Frequently, delivery companies’ insurance policies only cover third-party liability accidents. If a driver is deemed negligent for an accident involving another vehicle, then they can claim against the company; however, if there are injuries sustained from this incident, it would be classified as a first-party claim and not protected by their policy. It is crucial to remember which delivery service was part of your accident before starting the filing process since each courier provider has its own unique driver insurance policy. This means that a collision involving an Uber Eats worker might be handled differently than one featuring a DoorDash employee. Therefore, it’s important to take note of this vital detail for successful claim processing.

Delivery Driver Insurance Coverage: What You Need To Know

Knowing the extent of a delivery driver’s insurance coverage after an accident hinges upon which company they are working for. Generally, the corporate policy will provide excess protection to pay for expenses that surpass what is provided through personal policies. This helps safeguard food service businesses from potential liabilities and keeps their overall insurance costs low. Nonetheless, if your claim amount exceeds individual limits then extra funds can be paid out through the employer-sponsored plan to cover additional costs resulting from the incident.

Amazon Insurance Coverage

With Amazon delivery vehicles rapidly increasing on our roads, the possibility of vehicular accidents is very real. That’s why it is imperative that drivers have appropriate insurance coverage and Amazon provides extra protection to ensure individual policy limits are not exceeded in the event of an accident while driving commercially – since personal auto policies do not cover such incidents. This additional coverage from Amazon offers a reliable safeguard for its drivers so they can remain insured when operating their businesses.

Amazon offers unparalleled protection for its customers with liability coverage extending up to an impressive $1,000,000. Whether it be damages caused by you or a third party in an accident or any uninsured motorist without the requisite insurance to cover losses- Amazon has got you covered! Moreover, they also provide comprehensive collision coverage worth up to a whopping $50,000. With such generous security measures in place at all times; your shopping experience is sure to remain worry-free and secure with Amazon!

• Amazon Flex Delivery Auto Insurance (50k PD, 1mil liability & UM/UIM)
• This applies when picking up, delivering, or returning packages for Amazon

Uber Eats Insurance Coverage

Uber Eats stands apart from other food delivery applications by offering comprehensive and unparalleled insurance coverage – even if an accident occurs prior to the driver beginning their delivery, as long as they are visible on the app. Their liability coverage goes beyond any provided by DoorDash or Postmates: up to $50,000 per person and a maximum of $100,000 for bodily injury in case of any mishaps. This level of protection is second-to-none!

Furthermore, property damage is covered up to a limit of $25,000. However, when drivers are actively making deliveries – accepted requests and in the midst of delivering food – these limits amplify dramatically with an umbrella coverage for one million dollars!

• Compared to other food delivery services, Uber Eats provides some of the best automobile insurance coverage. 
• If the Uber Eats delivery driver is “Offline” or the Driver app is off, then the driver’s personal policy and coverage will apply.
• If the Uber Eats driver is “Available” or waiting for a delivery request, Uber maintains liability insurance on the driver’s behalf. The following limits apply only if the driver’s personal policy does not apply:
• $50,000 bodily injury per person
• $100,000 bodily injury per accident
• $25,000 property damage per accident
• When the Uber Eats driver is en route to pick up a delivery or during trips, Uber maintains the following coverage:
• $1 million third-party liability
• Contingent comprehensive and collision
• Up to the actual cash value of the car with a $2,500 deductible (Effective 3/1/2021)
• Certain vehicles offered through the Vehicle Marketplace are subject to a $1,000 deductible
• Unlike Uber rideshare drivers, Uber does not provide Uber Eats drivers Uninsured/Underinsured Motorist or Personal Injury Protection coverage.  
• The contingent comprehensive and collision coverage applies so long as the Uber Eats driver maintains comprehensive and collision coverage on her personal auto insurance policy. As of 2021, Uber increased its property damage deductible to $2,500. Uber does not provide rental coverage to delivery drivers. 
• Uber Eats drivers should expand their personal auto insurance to include rideshare and delivery coverage. While the additional rideshare and delivery coverage benefits vary between insurance companies, most will match the lower deductible on your personal policy if an accident occurs while picking up or delivering an order. 
• For Uber drivers and Uber Eats drivers, Uber offers Optional Injury Protection. Uber’s Optional Injury Protection provides benefits to Uber rideshare and delivery drivers if they are injured in a covered accident. Covered accidents include three scenarios:
• While you’re online, including when you’re available for trip requests
• While you’re en route to pick up a passenger or delivery
• While you’re on a trip using the Driver app
• Uber’s Optional Injury Protection offers the following benefits if a rideshare or delivery driver is injured during a covered accident:
• Accident medical expenses up to a maximum of $1,000,000 (no deductible or copay)
• Temporary total disability up to a maximum of $500 a week
• Continuous total disability up to a maximum of $500 a week
• Accidental death up to a maximum of $50,000
• Survivor benefits up to a maximum of $150,000
• Accidental dismemberment up to a maximum of $200,000
• Unlike some delivery services, Uber charges rideshare and delivery drivers a premium for its Optional Injury Protection coverage. The Optional Injury Protection premium costs $0.0375/mile while on a covered trip. The premium is calculated based on the number of miles driven while with a rider on the way to drop off a delivery order. Uber automatically calculates the per-mile premium and deducts the costs from the driver’s earnings.

DoorDash Insurance Coverage

When you sign up to become a DoorDash driver, the contract specifies that all drivers must maintain valid car insurance. If they do not have any coverage, then DoorDash’s policy may be void in an accident situation. Although DoorDash provides up to one million dollars of liability protection for its drivers, it is essential that they possess their own insurance as this primary source of protection.

Drivers are covered under their policy for DoorDash-related incidents, but if the damage exceeds that amount, the excess insurance coverage will come into play – provided they are actively delivering food and on route to fulfilling an order.

• DoorDash’s contingent liability policy solely applies when a driver is actively delivering goods – that is, in possession of food/goods to be delivered. If the DoorDash driver is merely on their way to collect items for delivery, this coverage does not apply.
• Nevertheless, DoorDash needs drivers to have personal automobile insurance. If a driver fails to carry their own coverage, the DoorDash contingent liability policy will not apply. This “coverage gap” dilemma is applicable to all delivery service personnel alike.
• The DoorDash contingent liability policy covers up to $1 million in damages done to third parties. It should be noted, however, that the DoorDash coverage is secondary and must exhaust a driver’s personal automobile insurance before it can kick in.
• As a DoorDash courier who either walks or cycles while making food deliveries, you are provided with an insurance policy of up to $1 million in the event that third-party injuries and/or property damage occur.
• As of June 2019, all DoorDash delivery drivers were automatically eligible and enrolled for occupational accident insurance coverage. The occupational accident insurance coverage only applies if a DoorDash driver is injured while making a delivery. The policy covers:
• $1 million in medical expenses (no deductible or copay)
• Disability payments: 50% of average weekly wage up to a maximum allowance of $500 per week minus other income
• Survivor’s payments: Up to $150,000 for eligible dependents

Postmates Insurance Coverage

When you’re a Postmates or DoorDash driver, their insurance plans are activated when you take on an active job. Especially with Postmates, provide up to $1 million of supplementary coverage for any third-party liability claims made against the company – but only after your personal auto policy has been utilized.

• If you’re a Postmates automobile delivery driver, rest assured knowing that your livelihood is protected by an additional $1 million in excess liability coverage! After the limits of your personal auto insurance policy have been met, then this additional coverage will take over to make sure you are secure.
• Postmates’ excess liability coverage is applicable exclusively when the courier is in the middle of an “active delivery.” This definition for active delivery given by Postmates differs from DoorDash’s and begins as soon as a driver confirms a delivery request, ending after they’ve dropped off their order. It does not apply if the app has been switched to ‘off mode’, or remains activated without having accepted any deliveries yet.
• For those who prefer to travel on two wheels or by foot, Postmates provides comprehensive general liability coverage of up to $1 million in the event that an injury is inflicted upon a third party or their property.
• Also, like DoorDash, Postmates provides occupational insurance coverage to delivery drivers. Postmates’ occupational insurance coverage includes:
• Accident medical expense: to a maximum of $1,000,000 (with no deductible or copay)
• Accidental death benefit: to a maximum of $100,000
• Survivor’s benefit: to a maximum of $100,000
• Temporary total disability: to a maximum of $500 a week in on-demand services replacement earnings
• Permanent total disability: to a maximum of $500 a week in on-demand services replacement earnings
• Accidental dismemberment: to a maximum of $200,000