UberEats Accident Insurance Policy
Do UberEats Drivers Have Accident Insurance?
Since Uber entered the food delivery industry with the introduction of UberEats in 2014, the system has completely changed, causing certain regulations to fall into place. In the past, most food transportation was handled internally by an employee of the company, like a pizza delivery boy, for example. However, many third party companies have invaded the field and diluted the waters with independent contractors.
Nonetheless, the currents continue to change with the debut of California’s AB5 Bill. West Coast Trial Lawyers understand the recent changes in the law and know how it will affect you personally. For a free consultation, call us today and our personal injury lawyers will be happy to answer any questions about food delivery insurance policies.
How AB5 Affects Food Delivery Drivers
Previously, many food delivery drivers were hired internally as tipped employees. While under the employment umbrella, this offered many drivers several benefits, including vacation time, sick time, health insurance, and unemployment benefits.
When the societal trends aimed towards outsourcing delivery companies, services such as UberEats and DoorDash, hired several drivers as independent contractors. As an independent contractor, many common employee benefits are denied as the driver is not actually considered to be part of the company.
On September 18th, 2019, the California State Senate signed AB5 into law. Under AB5, all California independent contractors were now considered employees. This means that not only will they now be eligible for employee benefits, but they are protected under the company’s insurance policy. Therefore, if you get into an accident with an Uber driver, the company will likely be held liable for the damages rather than the individual.
Portier LLC is a division within Uber that manages all the delivery services for the company. UberEats offers coverage that is nearly identical to the coverage provided to UberX drivers. Uber clarified their policies on their website with the following:
$1 million of liability coverage per incident. Uber holds a commercial insurance policy with $1 million of coverage per incident. Drivers’ liability to third parties is covered from the moment a driver accepts the request to deliver meals or goods to the time the delivery is complete.
Contingent comprehensive and collision insurance. If a delivery partner holds personal comprehensive and collision insurance, this policy covers physical damage that occurs to the vehicle during a trip up to the actual cash value of the vehicle, for any reason, with a $1,000 deductible.
$50,000/$100,000/$25,000 of coverage between trips. During the time that a ride-sharing partner is available but between deliveries, many personal auto insurance policies will provide coverage (this is not true). However, if the driver does not have applicable coverage, they have a policy that covers the driver’s liability for bodily injury up to $50,000/$100,000/$25,000 (per individual/accident/property damage).
Accidents happen. If you were injured as a result of someone else’s negligence, you may be entitled to compensation for your losses. Below is a brief explanation of damages. Damages are a type of monetary award that is determined by a court of law to help compensate an aggrieved individual for any losses or injuries sustained as a result of someone’s negligence.
Economic damages are intended to compensate a plaintiff for losses that a dollar amount can readily be attached to. Economic damages are calculated by determining the amount of out-of-pocket losses an aggrieved individual has or will expect to incur as a result of their injuries.
A few examples of economic losses include:
- Loss of Earning Capacity
- Medical Bills
- Lost Wages
Non-economic damages are essentially intended to cover losses that are thought of as subjective and will not necessarily cover out-of-pocket losses. Non-economic damages may include compensation for:
- Emotional Distress
- Pain and Suffering
- Loss of Enjoyment of Life
The third type of damages a California court may award are known as punitive damages. Punitive damages are intended as punishment and are only awarded when a defendant’s behavior is especially harmful. Punitive damages are relatively rare and in fact were only incorporated in 5 percent of all verdicts.
Furthermore, there is no real set standard for calculating and awarding punitive damages. Punitive damages are awarded at the court’s discretion and will vary depending on the specific circumstances of a case.
West Coast Trial Lawyers Is Here to Help
If you have sustained injuries in the city of Los Angeles as a result of a food delivery accident, a personal injury attorney at our firm can help you recover compensation for the losses you have suffered, including medical bills, property damage, lost wages, and pain and suffering.