How is a Delivery Driver Compensated Following an Accident?

Driving for a food delivery service is a great way to make some extra money, and in recent months quarantine has forced many to look to these services rather than go out themselves. Becoming a driver for a delivery service is also convenient if you already own a vehicle that you can use to make the deliveries.

Exposure to Danger

It is important to remember, though, that spending as much time driving as most delivery workers does expose you to the dangers of the road more often. There is an increased risk of getting into an automobile accident the longer you drive. Because of this, you need to know what happens after you get into an accident, including how you are compensated.

Unfortunately, since most delivery companies do not provide you with accident insurance, you will have to look at your personal insurance policy to see when you will be covered and when you pay for damages out of pocket. Insurance policies can often be tricky to navigate, and knowing whether or not you will be covered in the event of an accident depends entirely on the policy that you have. Getting the right policy, though, it can save you a lot of money if you do happen to get into a car crash while making a delivery.

If you think that you want to start working for a food delivery service, talk to your insurance provider about what coverage you might need to protect yourself and your vehicle should you get into an accident while on the job. Often, using your vehicle for your job in this capacity requires a different insurance policy than your standard auto one. Your insurance provider should be able to help you find the right plan so that you are covered.

Occupational Accident Insurance from Caviar

Sometimes, though, coverage for accidents that occur on deliveries can be covered by the company you work for. For instance, Caviar has its Occupational Accident Insurance that was implemented in 2018. Medical expenses for the driver are covered under this policy, and should the driver need to go on disability, they can be compensated up to 50% of their average pay. In addition, the death of a driver can result in a compensation of $100,000 to the family and benefits for any dependents.

You do have to be careful with any policies that the company you work for may have, though, as they may only cover active deliveries, meaning that you have to have the food with you at the time of the accident to qualify. At times, the company may also cover only third parties that were involved in the crash.

Call Kwartler Manus Today to Schedule a Consultation

If you have any questions about whether or not your insurance policy covers you in the event that you get into an accident while working, contact us by visiting us online or by phone to speak with one of our law professionals. We are dedicated to helping you get the most out of your claim. Contact our office online or by phone at 267-457-5570 to schedule a consultation today.

Related Posts
Put Us On Your Side

I confirm I want to opt-in and receive news and marketing communication.
Text Marketing Terms and Conditions: We are using a text messaging platform, which is subject to the following terms and conditions. By opting-in for our text marketing and notifications in, you agree to these terms and conditions. By entering your phone number, you agree that we may send you text notifications and text marketing. You acknowledge that consent is not a condition for any purchase. This data will be used for sending you targeted marketing messages and notifications. Upon sending the text messages, your phone number will be passed to a text messages operator to fulfill their delivery. If you wish to unsubscribe from receiving text marketing messages and notifications reply with STOP to any mobile message sent from us or use the unsubscribe link we provided you with in any of our messages. You understand and agree that alternative methods of opting out, such as using alternative words or requests will not be accounted as a reasonable means of opting out. Message and data rates may apply. For any questions please text "HELP" to the number you received the messages from. You can also contact us for more information. If you wish to opt out please follow the procedures above.