Instacart Accidents and Injuries
Filing an Instacart Accident Injury Claim
Nowadays, it’s all about making even the most menial of daily tasks as convenient as possible. So if Los Angeles residents can order take out, rideshare, and even cannabis with a swipe of the finger on an app, it makes sense that grocery shopping would also be this easy to do.
Instacart is a popular grocery delivery app that helps you shop for food at the comfort of your own home. The company is one of the largest and widely available grocery delivery services across the United States, with the delivery app partnering with stores like Costco, Ralphs, Northgate Market, H Mart, and Walmart.
According to Coresight, more than 36 percent of adults polled in 2019 purchased groceries online within the past 12 months. Based on data collected by the U.S. Census Bureau, there were a total of 93 million online grocery shoppers, which is a large increase compared to the year before, where the total number of online grocery shoppers was 35 million.
And though Amazon is well-ahead of other retailers in drawing online grocery shoppers, Instacart is growing fast. In fact, the company has seen customer demand soar during the pandemic, with the platform seeing a 300 percent growth since last year. At the start of California’s stay-at-home order, Instacart announced plans to bring on an additional 300,000 full-service shoppers in the U.S. to meet the increasing demand.
Like Instacart, grocery delivery services are extremely popular throughout the country, especially in big cities. The rapid rise of food and grocery delivery companies has become a blessing when it comes to convenience. But as the number of food and grocery delivery vehicles in Los Angeles increases, so does the likelihood of car accidents.
In order to become an Instacart shopper, the requirements are simple:
- Must be at least 18 years of age
- Have legal authorization to work in the U.S.
- Be able to lift up to 50lbs without accommodation
- Have regular access to a reliable car
- Have regular access to a smartphone capable of running the Instacart Shopper app
- Must pass a background check
That’s it! There’s no mention of car insurance in their list of requirements. Sure, if you’re operating a car, it’s common knowledge that you must have the proper insurance coverage. The problem with companies, like Instacart, that classify their workers as independent contractors and not employees, is that they protect themselves from being liable for any damages incurred in accidents involving their drivers. Instead, the liability is placed on the driver, who may or may not know that they need additional insurance because they’re using their cars for commercial and/or business purposes.
Those who are interested in signing up for Instacart must sign a contract that emphasizes the terms and conditions of what they will expect when working under the company, which is practically designed to make it complicated for anyone to hold that particular company at-fault for a car accident.
Instacart, in fact, does not provide commercial auto insurance for drivers. The contract merely notes that while certain jurisdictions may require commercial auto insurance, it is the responsibility of the independent contractor to determine what insurance they are required to have. So not only do they not assume responsibility for its drivers, but they don’t make it a point to let them know that they may need further insurance if they don’t read the terms and conditions closely.
Their terms and services read:
“If you have a dispute with one or more Personal Shoppers or Third Party Providers, you agree to release Instacart (including Instacart’s affiliates, and each of their respective officers, directors, employees, agents, shareholders, retail partners, licensors, and suppliers) from any claims, demands and damages of every kind and nature, known and unknown, suspected and unsuspected, disclosed and undisclosed, arising out of or in any way connected to such disputes.”
According to Autoinsurance.org, a person’s premium can increase by 50 percent if they tell their insurance company they’re working as a delivery driver for companies like Instacart. If a driver is involved in a car accident and doesn’t have the proper coverage, the insurance company is within its rights to cancel the policy and decline to pay for any damages to the other driver’s car or the Instacar driver’s own if the accident occurs while on the job.
It goes without saying that Instacart does not offer any excess insurance for their drivers. To reiterate, the company requires drivers to supply all of their insurance, including health and workers’ compensation, as “independent contractors.”
Filing an Instacart Accident Claim
Drivers who work under food and grocery delivery companies, such as Instacart, are more prone to drive carelessly than other drivers because of their incentive to maximize profits. Because grocery delivery drivers are usually paid by the delivery and not by the hour, they are more likely to:
- Neglect right of way laws
- Make reckless lane changes
- Make deliveries while tired
- Drive while distracted, i.e., texting, looking up an address, or talking on the phone
Food and grocery delivery accident claims can become very complicated, especially when some companies deny that their drivers are employees and argue that they are “independent contractors.” In most cases, employers are not held liable for the negligent conduct of independent contractors. However, these rules and regulations are changing rapidly.
If you were involved in an accident caused by an Instacart driver, you have the right to seek compensation for your losses. Car accidents often result in property damage and serious injuries that require costly medical care. The aftermath of a grocery delivery accident can be stressful, painful, and challenging for both the accident victim and his or her family.
The types of compensation you can secure for your losses after a grocery delivery accident include:
- Emotional Distress
- Lost Wages
- Property Loss
- Medical Bills
- Loss of Consortium
- Past, Current, and Future Medical Bills
- Pain and Suffering
- Loss of Past and Future Income
- Loss of Earning Capacity
- Loss of Enjoyment of Life