DoorDash is one of the many food delivery services available to just about everyone. While you might not think about what goes into delivery, you want to, especially what happens if an accident occurs. While a car accident between two private vehicles is simple as the insurance companies will each need to determine liability and compensate each party accordingly, DoorDash is quite different.
Some cases may require the food delivery company to determine liability due to the complexity of these cases. If you are involved in an accident as a DoorDash driver or are the victim of a DoorDash car accident, you will need a Philadelphia DoorDash accident attorney to guide you on your legal options.
How does insurance work?
Insurance is complex for food delivery drivers. According to DoorDash, they offer their drivers insurance only when an accident occurs during an active delivery. Another caveat is that the driver must have first gone through their own insurance company. This means the driver can only access the delivery service insurance after they have exhausted their own. It is required that all delivery drivers maintain their own active insurance, if they do not they will be unable to make a claim under the DoorDash insurance policy.
The conditions for using the DoorDash policy are to have the claim denied by the driver’s insurance company, and be liable for damages to another party during an active delivery. An active delivery begins from the moment the driver accepts a delivery request until the order is received by the customer. If an order is canceled, this will end the active delivery status as well. If a DoorDash driver is signed into the app but has not accepted a delivery then they will not be eligible to use the DoorDash insurance policy.
If you are injured by a DoorDash driver, things can be even more complex. While you may have your own insurance company to go through, it may be difficult to know which insurance you should be fighting. You may be unsure as to whether you should be going after the driver’s personal insurance company or DoorDash themselves. Do not fret and let a Philadelphia DoorDash accident attorney make the determination for you and fight on your behalf.
Compensation after an accident
The good news is that if your case can be handled through the DoorDash insurance policy, the limits are much higher than a personal insurance policy. Their policy covers up to $1,000,000 in bodily injury and property damages to third parties when an accident occurs. This does not necessarily mean that this is the compensation you will get. Compensation for your accident will be determined by the circumstances leading to the accident and the damages you suffered. You may be able to obtain compensation for the following:
- Property damage
- Medical expenses
- Hospital expenses
- Pain and suffering
- Loss of enjoyment of life
- Emotional distress
- Disability damages
- Accidental death
- Survivors benefits
You will need to discuss what damages you may be entitled to seek with a Philadelphia DoorDash accident attorney. In most cases, the delivery service will not be held liable for an accident and it can be very difficult to obtain compensation without the help of an attorney.
Statute of limitations
As with most personal injury cases, you will have two years from the date of the accident to file a claim. Keep in mind that simply because you have this amount of time, you should not wait that long to begin a claim. Instead, contact a Philadelphia DoorDash accident attorney immediately after an accident. This allows us the time to build a strong case and get you the compensation you deserve for your injuries and damages. Contact Kwartler Manus LLC at (267) 214-8608 for a consultation with a Philadelphia DoorDash accident attorney.