Life without food delivery seems unimaginable to many of us. However, along with this convenience comes additional cars on our roadways and, in turn, a greater risk of vehicle collisions.

If you were in a wreck with a driver for Uber Eats, Postmates, DoorDash, or a local pizza shop, you may need the help of a Gilbert food delivery accident lawyer. At Zanes Law, our knowledgeable auto wreck attorneys understand how a company’s insurance policy can play a role in your accident case.

Understanding Auto Insurance in the Food Delivery Industry

Recovering compensation after an accident with a food delivery vehicle can be challenging because multiple insurance companies may have a stake in the case. Unlike a typical vehicle accident where each driver holds one insurance policy, food delivery drivers may have coverage through their employer in addition to their own insurance policy.

Varying Plans for Online Food Delivery Platforms

Every food delivery app has insurance with terms and conditions unique to their business. Some policies may state that the driver’s insurance policy is the first to pay out for damages resulting from an accident. In a scenario such as this, the online delivery platform’s policy would cover the costs that exceed the driver’s coverage.

Other companies assume the primary insurer’s role when the driver is in the process of completing an order or logged onto the app and can accept orders. The company’s policy may or may not cover injuries and damages from a collision after the delivery is complete.

Accidents with Drivers for Local Establishments

If the delivery person is not affiliated with an online food ordering platform but instead works for a local restaurant, recovering damages may be difficult if the business has insufficient funds to address the injured party’s losses. Small local businesses often do not have as much insurance coverage as large companies such as Postmats, Uber Eats, and DoorDash.

With multiple insurance policies in use, it can be tricky to determine who to seek compensation from. Attorneys with experience handling food delivery accident cases could help injured parties review insurance policies, negotiate a settlement, and devising a plan to address inadequate insurance settlements.

Potential Damages Available to Injured Parties in Gilbert

State law permits injured persons to recover both economic and non-economic damages after an accident caused by a negligent party. These damages reimburse claimants for monetary losses and emotional harm, such as:

  • Medical treatment
  • Physical, occupational, and emotional therapy
  • Loss of income and loss of earning capacity
  • Pain and suffering
  • Mental anguish
  • Disruption of the enjoyment of life

According to Arizona Constitution Article II, Section 31, there are no caps on the amount of damages a successful claimant may receive. However, an accident victim’s compensation may be reduced under the comparative negligence law stated in Arizona Revised Statutes Annotated § 12-2505.

Under this statute, an injured person’s damages award may be reduced by their percentage of fault. By working with a legal professional in Gilbert, injured parties could avoid unnecessary reductions in their compensation after a food delivery accident.

Get Help from a Gilbert Food Delivery Accident Attorney

Negotiating with large insurance companies for just compensation can be intimidating, but our Gilbert food delivery accident lawyers could help. At Zanes Law, we fight for justice on behalf of injured parties. Call us today to set up an initial consultation and begin working on your case.

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