Victims who are injured in auto accidents caused by DoorDash drivers may be able to recover compensation by taking legal action against the company and the driver. While DoorDash has a commercial auto insurance policy that covers injuries caused by drivers who are out for active delivery, however, the insurance only pays out after the at-fault driver’s personal coverage is exhausted.
Using Food Delivery Apps
DoorDash is one of many popular app-based food delivery services that allows users to have food delivered from restaurants that may not employ on-site delivery drivers. By downloading the DoorDash app, a user can order food from a variety of restaurants within a certain area. The DoorDash driver is notified when the food is ready for pickup. The DoorDash driver then picks up the order and delivers the food to the customer.
Like drivers for rideshare companies such as Uber, Lyft and other app-based food delivery services, DoorDash drivers are typically considered independent contractors. They can choose when they want to make food deliveries and when they stop working. If a driver chooses to work, he/she turns on the DoorDash app and accepts food delivery requests from restaurants. Although the driver is considered an independent contractor, he/she is considered under the employment of the DoorDash company while fulfilling delivery requests. Therefore, DoorDash may be liable for injuries that occur while the driver is making food deliveries.
Under DoorDash policies, delivery drivers are required to carry personal automobile insurance that meets state minimums. DoorDash carries insurance coverage up to $1,000,000 for bodily injuries and property damages caused by drivers and legal expenses arising from lawsuits filed with auto accident attorneys. If an accident occurs, DoorDash may not cover claims if the driver does not carry personal automobile insurance. Generally, DoorDash insurance only covers losses after the driver has exhausted his/her personal coverage.
Filing a DoorDash Claim
DoorDash is a billion-dollar company, so they are well-prepared to face legal claims and litigation. When filing an injury claim with an auto accident attorney, following certain steps can help increase a victim’s chances of success.
- Reporting the accident to the police
- Seeking medical attention for injuries
- Collecting evidence at the scene
- Taking photographs of the accident
- Notifying the insurance company
Many car accident cases are settled out of court. If the DoorDash insurance company offers a settlement, an auto accident attorney can review the offer and negotiate with the insurer to ensure the victim receives fair compensation.