The flexibility to make money by working for Grubhub, Door Dash, Postmates, or Uber Eats is probably why you picked up a side gig. You know that to deliver with your car it must be insured with the state’s minimum liability requirements. Have you wondered what happens if you are involved in an accident while working for Grubhub? Or for any of the other food delivery apps?
Will Your Insurance Cover You in an Accident While Working for Grubhub?
The food delivery app companies require you to carry the minimum amount of insurance. In Nevada, that means a personal policy that covers $25,000 for bodily injury to another, $50,000 maximum per accident, and $20,000 for property damage.
However, this policy will not cover you in an accident when you were delivering an order. Food delivery for an app like Grubhub is commercial use. A minimum personal use liability policy for your car expressly excludes coverage for commercial use.
Therefore, your insurance company will not protect you from accident claims if you were at fault. Additionally, they may drop you as a client.
Do Grubhub or Other Apps Offer Insurance Coverage in an Accident?
The food delivery app companies don’t want bad press involving their drivers causing accidents. So some acquired their own liability coverage. A few things depend on whether they will cover you:
- What phase of delivery you are in. Almost all apps will not cover accidents that occur while the driver is waiting to take an order. However, their insurance may cover you if you were on the way to the restaurant to pick up an order, or you were on the way to the customer’s home with the order.
- Which app you are working for. Uber Eats, Postmates, and Door Dash have $1 million liability policies that apply during some phase of delivery. Additionally, they have occupational accident coverage if you are hurt. Notably, working for Grubhub offers no insurance protection at all.
How Can You Protect Yourself?
Even with the added insurance from the app, there are gaps in protection. Get commercial or business use coverage to protect yourself from being dropped as a client from your own insurance company. Additionally, your minimum personal liability policy and the app’s insurance will not help you cover your property damage. Get collision coverage to repair your car in the event of an accident.
Food delivery apps may offer convenience, but the demands of that work can result in accidents. If you’ve been injured, the Sam & Ash, LLP team wants to be your resource for getting back to normal. Call us free any time at 1 (800) 304-2000. Protecting yourself before an accident happens is What’s Right.