Who Pays for Uber Eats Accident Claims?
By all counts, the answer should be easy, but it can get a bit complicated. It starts by the driver being negligent and causing the accident. Then the question is whose pocket is the compensation coming from?Driver’s Insurance Company
Uber requires that each driver have liability insurance company with at least the state minimum liability coverage. If the driver is not logged onto the UberEats app, but is driving around and then hits you, his or her own insurance company will cover the damages. The only problem with that is California’s minimum requirement is a $15,000 bodily injury policy for each injured person and $30,000 maximum for all injuries which might not cover all your damages, medical bills and pain and suffering.Uber Auto Policy
Uber has an auto insurance policy on each driver for when they are logged onto the app and ready for a delivery. If you are hit when the driver is logged on but hasn’t accepted a delivery job, or has just finished one and hasn’t accepted another, then Uber's insurance company will cover your damages. This insurance policy caps at $50,000 for each injured person and $100,000 in insurance limits for all injured parties.Uber’s Deep Pockets
If the delivery driver is actively on a delivery—picking up or delivering the food—then Uber is responsible for any damage done by their driver. The reason that can be important is that Uber has a $1 million insurance policy cap on personal injury claims against them.UberEats Accident Common Injuries
Like most delivery drivers, UberEats drivers get paid by their delivery, and the more they do, the more they get paid. This gives even the most conscientious driver the incentive to put the pedal down and zip in and out of traffic and across parking lots. Unfortunately, this puts drivers and pedestrians alike at risk for a personal injury. At the Law Offices of Steers & Associates, we have seen many types of injuries that come from UberEats and other food delivery drivers. The type of injury can make a difference in how a claim is pursued, and we’ve seen all types of injuries. Some of the more common ones are:- Blunt Force Trauma
- Head Injuries
- Broken Bones, Ribs/Collarbones
- Broken Arms/Legs/Wrists
- Spinal Cord Damage
- Nerve Damage
- Paralysis
- Airbag Injuries
- Spinal Cord Injuries
