What Kind of Insurance is Needed as a Food Delivery Driver?

The use of food delivery services has been on the rise in the last few years with the introduction of apps like UberEats, GrubHub, DoorDash, and others. Since the beginning of the pandemic, the demand for drivers dramatically increased because millions of people were forced to enjoy their favorite foods at home instead of at their restaurant of choice.

Millions also lost their jobs, have been laid off or furloughed due to the COVID-19 pandemic, many of whom took temporary positions delivering food with their own vehicles. While these drivers assume they are covered by their automobile insurance carrier, they fail to see any insurance coverage issues while working for a food delivery service.

In reality, they should be concerned that their car insurance policy may not cover them for losses during their new venture unless it is openly disclosed to their insurance that they transport people or food within their vehicles for money. Either the driver didn’t think of it, or they were afraid that their premium would increase because insurance companies generally charge more when the vehicle is used for commercial purposes.

Unfortunately, many delivery people do not realize this until it is too late, and they are left to pay losses out of pocket for injuries, medical bills, legal bills, and property damage after causing a car accident.

What should you do in order to find adequate coverage?

There are a few steps that need to take place in order to find proper insurance coverage before using any personal vehicle for food deliveries. Call your insurance carrier and always tell the truth. That way, your insurance coverage is not canceled due to fraud. It is extremely important to always be honest when applying for insurance. Many insurance companies will investigate whether or not there was fraud involved in the insurance application process.

Certain companies, such as DoorDash and UberEats provide insurance coverage to its drivers, but it remains important to research and understand the nature and extent of the coverage afforded by these companies.

DoorDash will provide “contingent liability insurance” to its delivery drivers, which means that it will only insure drivers who are directly delivering orders. In other words, it will not protect you if you’re driving to and from a restaurant or leaving deliveries. Every delivery service is different, and some drivers work for all during the same shift.

By way of example, UberEats has several policy plans available:

• A commercial insurance policy that provides $1 million worth of liability coverage for each accident, but only from the moment you accept a pick-up and drop off, to the moment it is completed. It should also be noted that the policy does not cover damages your vehicle may suffer.
• A contingent comprehensive and collision insurance policy, which is only available to those who already have this coverage.
• A commercial auto liability insurance policy, available to partners and covers damages that their drivers cause to third-parties. With this, a driver gets up to $50,000 for bodily injuries for each individual, with a total of $100,000 per accident. It also covers $25,000 worth of property damage.

The State of New Jersey has one type of coverage involving injuries caused by ride services, that may not cover the delivery of food. Skilled injury lawyers know and understand the law to determine available insurance coverage.

Food delivery drivers also need to be concerned about being injured in a motor vehicle accident. There may be workers’ compensation issues, income continuation issues, medical bills, and collision coverage issues as well. The situation is even more complicated when the delivery is being made on a bicycle or by a pedestrian.

We recommend for the delivery driver’s protection that before transporting people or food that they discuss insurance coverage concerns with an independent insurance agent that will protect the driver from financial ruin.

A far as those injured in a collision by a delivery service driver, they should report any accident, even as a passenger or pedestrian, to their own automobile insurance carrier. For many reasons, it is advisable not to seek medical coverage through the at-fault driver, but their own insurance carrier.

Since these cases are highly fact-sensitive and complicated, it is suggested that any person injured working for a delivery service, such as Ubereats, GrubHub, or DoorDash contact an experienced personal injury law firm that has the knowledge, experience, and stature to fight the large insurance companies or their delivery app’s legal departments. They will fight for a sufficient amount of money to adequately compensate the injured person for their losses, which may include medical bills, lost wages, permanent injuries, scars, pain, and suffering.

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from Davis, Saperstein & Salomon, P.C. https://www.dsslaw.com/blog/insurance-needed-for-a-food-delivery-driver/
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Teaneck Woman Killed in Tractor Trailer Hit & Run on I-95

On June 3, 2020, a 21-year-old woman from Teaneck, NJ was involved in a multi-vehicle accident along I-95 in Fort Lee. As she stepped out of her vehicle to survey the damage, she was struck and killed by a tractor-trailer. Reports state that the driver of the tractor-trailer did not stop, and the young woman was pronounced dead at the scene. “The driver and the car were both struck by a tractor-trailer that fled the scene,” said New Jersey State Trooper Jeff Flynn. Detectives are still investigating. Our thoughts are with the memory of this young woman and with her family during this incredibly difficult time.

Though New Jersey is one of the smaller-sized states within the US, it has many congested roadways and highways, which can lead to dangerous driving conditions. Many vehicle accidents and fatalities occur on the state’s largest stretches of highways, including Routes 80, 17, and I-95 (New Jersey Turnpike), since these are vital interstate trucking routes. Tractor-trailers and big rigs transporting cargo, as well as large construction vehicles, garbage, and dump trucks use these routes daily, as do passenger vehicles. When an accident between the two occurs, the results can be tragic.

Although New Jersey saw a decrease of 9.1% in road fatalities in 2018, trucking accidents are still a common occurrence in the state. These accidents can be caused by a wide array of reasons, though driver error is reportedly one of the most common.

Other leading factors are:

• Distraction/inattention
• Speeding
• Impairment (fatigue, alcohol, drugs, illness)

Regarding the death of Jada Smith, initial reports state that she was struck exiting from her vehicle and she was pronounced dead at the scene of the hit-and-run crash, which occurred about 10:25 p.m. in the southbound express lanes of Interstate 95 near mile marker 121.5, according to New Jersey State Police.

It was reported that she stepped out of her SUV after it was disabled following an accident with two other vehicles in the right lane of I-95. From the facts reported, many may think that her conduct contributed to or caused the accident. This should never be assumed because it is likely to be untrue. New Jersey law states it is foreseeable that cars will be stopped due to traffic, adverse weather conditions, accidents, and mechanical break downs.

Because of that, all drivers must act reasonably and pay attention for such foreseeable events within their path of travel. From initial reports, it is unclear whether the truck struck the pedestrian or the disabled vehicle. Often, inattentive drivers’ strike empty disabled vehicles that are propelled into nearby pedestrians, causing injury or death. An accident reconstruction expert can ascertain the order of events by forensically recreating the sequence of events.

Because the careless trucker fled the scene, forensic evidence will be used to prove that driver negligence caused Jada to lose her life. Her relatives and estate may be entitled to wrongful death damages payable by her own car insurance or that of the host vehicle.

Every New Jersey automobile insurance policy includes uninsured and underinsured motorist coverage. This means that if a person is involved in a motor vehicle accident with someone that has little or no car insurance, then the injured person’s auto policy, or that of a resident relative, will usually provide medical benefits and step into the shoes of the reckless driver and pay the claim. That is why New Jersey injury lawyers always recommend that policyholders should carry the maximum uninsured and underinsured motorist coverage to equal the liability coverage they maintain. Uninsured and underinsured motorist coverage is surprisingly inexpensive.

Interstate tractor-trailer’s lines are subject to the Federal Motor Carrier Safety Regulations, which mandates work hours, driver and maintenance logbooks, etc. Overworked truckers frequently ignore rest and sleep logbook requirements mandated by federal law. Skilled lawyers know what to examine to find violations of the law, which then creates a liability on the negligent trucker.

The personal injury attorneys at Davis, Saperstein & Salomon P.C. have decades of experience handling devastating trucking accidents and understand the investigation process that often follows a crash of this magnitude. Accidents that involve large commercial trucks and trailers are much more challenging to resolve than other types of automobile crashes because it generally takes a significant degree of experience and expertise on the part of the lawyer to prove negligence in a truck accident case.

Founding Partner Marc C. Saperstein, Esq. has handled some of the most complicated trucking and commercial vehicle litigation matters and is a truck accident expert. “We immediately hire an accident reconstructionist, and we hire an investigator, and I personally go to the scene where the accident took place.” It is important to go to the scene of the accident because, “by viewing the scene, you can actually see in nonconceptual terms what the area looks like if there is a debris field; If there are security cameras in the area. Our investigators will scour the area for any witnesses, talk to the investigating police officers,” says Marc.

We learn about the person’s qualities by interviewing their family and friends so that we can understand and prove the devastating loss suffered to the family. We understand just how overwhelming a trucking accident is, and our lawyers, many of whom are Certified by the Supreme Court of New Jersey as Civil Trial Attorneys, will persistently seek justice on behalf of our clients and their families. Marc Saperstein can be reached to answer any questions regarding wrongful death losses and truck accidents. Call us now at 201- 444-4444.

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from Davis, Saperstein & Salomon, P.C. https://www.dsslaw.com/blog/hit-run-woman-killed/
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