How Does Insurance Work for an Uber Eats Driver?

Uber Eats drivers are required to carry their own car insurance policies and this is often the route that drivers will take when they are involved in an accident. There are several parties that may be held responsible during an accident with an Uber Eats Driver; the driver themselves, their insurance company, the company they are working for, and the insurance provider for that company.

As a victim of an Uber Eats driver you can find it difficult to ascertain who should pay for your injuries and damages. You do not need to determine this on your own and should instead contact a Philadelphia Uber Eats accident lawyer to help you through the process.

How it works

Among the various food delivery companies available, Uber Eats offers insurance coverage. You can get Uber coverage for property damage to your delivery vehicle. The caveat is that you must maintain your personal collision and comprehensive insurance policy to date. This coverage is offered when a car accident occurs and does not rely on the fault during the accident.

This coverage carries a cap that should not exceed the cash value of the vehicle. There is also a $1,000 deductible that must be paid before this coverage can be accessed. One more thing to keep in mind is that this coverage is only available to those who were involved in an accident while they were between accepting delivery and completing the delivery. Obtaining these benefits can be complex which is why you will need a Philadelphia Uber Eats accident lawyer to help.

What it covers

The Uber Eats insurance policy coverage ranges depending on the accident. Uber may cover at least part of the costs related to an accident. They currently have policy limits of $1 million per accident. This coverage is only afforded to third parties such as other drivers on the road who do not work for Uber Eats. Keep in mind this insurance is only available if a driver is on an active delivery. Due to this requirement, it is best to hire a Philadelphia Uber eats accident lawyer to guide you on the options.

Personal insurance

If a driver is in between deliveries and is not on an active delivery, coverage can be more complex. Uber Eats will typically not cover these types of accidents and it may be up to the individual driver and their insurance to pay for the damages in an accident. These coverage options are much lower than the ones that Uber offers. Personal insurance for a driver has the following coverage limits:

  • Property damage up to $25,000
  • Bodily injury limits up to $50,000 per individual
  • A total payout of $100,000 per accident

As an Uber Eats driver you will need to ensure you understand your policy limits and what is covered. You will also need to be aware of when these benefits are available to you. Some insurance companies may not even allow you to use your personal insurance policy if you are a food delivery driver. If you are unsure of what to do after an accident contact a Philadelphia Uber Eats accident lawyer to discuss your options.

Should Uber hold more liability in accidents?

Currently, there are many legal ways that Uber avoids liability in accidents involving their drivers. There is an argument that they should hold more responsibility and liability for their drivers. It is argued that they should be held responsible for any harm, damage, or injuries that their drivers may instill. This, however, would mean that Uber would have to change the classification of its drivers from independent contractors to employees. This is an option they are not looking into but there may be other ways they can take responsibility for their drivers.

Schedule a Consultation with Kwartler Manus Today

While we wait for Uber to do the right thing, you will need an experienced Philadelphia Uber Eats accident lawyer to find the best legal option for your case. Call Kwartler Manus LLC at (267) 457-5570 to discuss your case today.

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