With prices constantly rising, many people have side hustles driving for companies like Uber Eats and DoorDash. More delivery drivers on the road means an increased risk of you getting into an accident with a delivery driver.
Mankato insurance for food delivery app drivers is somewhat unique and can complicate your claim. Talk to our food delivery accident attorneys at Maschka Personal Injury if you are hurt in an accident with someone driving for a food delivery platform. We can review your options and discuss compensation.
Drivers for a delivery platform use their personal cars. However, most personal policies exclude coverage for commercial use, which can include driving for a delivery service.
Drivers can address this by adding a commercial use endorsement to their policy. In addition, most delivery platforms provide coverage when a driver is logged into the app and actively delivering.
Even with the proper endorsement, pursuing a claim against a delivery driver can sometimes be complicated. If so, our Mankato attorneys can help you make an insurance claim after a collision with a food delivery app driver. We work with insurance companies to address coverage issues and work to ensure they meet their obligations.
If you are injured in a wreck, your personal injury protection (PIP) coverage can pay for medical expenses and some lost wages, regardless of who was at fault. Filing a separate personal injury claim allows you to recover damages for permanent injuries, future medical care, lost earnings, and pain and suffering, in addition to past medical expenses and past income loss. Most delivery app platforms provide coverage if the driver was logged in or actively delivering at the time of the accident. Our Mankato attorneys can assist with filing a legal claim and evaluate whether the food delivery app platform’s driver coverage is available to you.
Sometimes, multiple parties share fault in an accident. If your conduct contributed to the crash, you can still pursue damages in most cases.
If you share some of the blame for the accident, Minnesota Statutes § 604.01 requires an allocation of fault between the parties. The law reduces the damages you can collect based on your degree of fault. For example, if you bear 20 percent of the responsibility, you can only recover 80 percent of your damages.
The delivery driver’s insurance company and the platform’s insurer, if they are involved, may try to shift the blame onto you to reduce their liability. Our Mankato attorneys can push back against the food delivery driver’s insurers to ensure a fair result.
You may not fully understand Mankato insurance for food delivery app drivers, but knowing your coverage options is crucial. If you were hurt in a crash with a food delivery driver and need help with a claim, contact the attorneys at Maschka Personal Injury for a free case review.
