You may think that all car accidents are the same, regardless of who is involved. However, a collision with a food delivery driver can be much more complicated than a typical auto wreck. If you collided with someone who works for an online food delivery service such as Uber Eats, DoorDash, Postmates, or Grubhub, you may have to deal with complex insurance issues.

An experienced Phoenix food delivery accident lawyer can help you identify the responsible parties, negotiate settlements, and navigate the court system. Our dedicated car wreck attorneys could work tirelessly to recover the compensation you need.

Common Injuries Associated with Motor Vehicle Accidents

Every auto wreck is unique, but there are certain similarities among all motor vehicle accidents. In addition to property damage, accident victims often suffer from:

These types of severe injuries often require extensive medical treatments and long-term physical therapy sessions. In the gravest situations, these conditions may result in death.

In a typical car accident case, the injured party or their family might seek compensation through the other party’s insurance company or their own. However, after a collision with a food delivery driver, a local attorney could help the injured person pursue damages from the other party’s employer.

Insurance Coverage for Food Delivery Vehicles

Food delivery drivers must have commercial insurance coverage for the vehicle they use for work. They might have coverage through the restaurant or company they work for. Conversely, their employer might require them to purchase their own policy.

Uber Eats, DoorDash, Postmates, and all other online food delivery companies have business policies with distinct triggers, terms, and exclusions related to insurance coverage. Understanding how these policies apply to a particular case is critical to obtaining compensation that fully addresses the injured party’s damages.

Determining Which Insurance Policy is Primarily Liable for Damages

A critical step in food delivery accident cases is determining whose insurance policy is primarily liable for the injured party’s damages. Depending on the circumstances, the driver’s commercial policy may be first to pay out for liability claims. In these situations, the company’s insurer often provides additional coverage if the driver’s policy is not sufficient.

In other cases, the delivery process dictates whose insurance policy reigns. For example, under some policies, if the driver is waiting to receive an assignment or just dropped off an order, the corporate policy will not apply. Conversely, if the driver is in transit with goods, the company’s insurer will cover the damages.

For some online systems such as Uber Eats, Postmates, Grubhub, and DoorDash, the injured party might be able to seek compensation from the company’s insurer if the driver was logged into the app and awaiting an assignment.

Given the range of possible coverage scenarios, it is imperative to identify which insurer is primarily liable for damages. Attorneys skilled at handling these types of cases could review the restaurant’s or food delivery company’s insurance policy and advise the claimant on how to proceed.

Timeline for Filing Civil Claims in Phoenix

The Arizona Revised Statutes Annotated § 12-542 requires individuals suing for injury to themselves or damage to their property to raise such claims within two years from the date of the accident. Failure to do so could lead to the case being dismissed. Consequently, the injured person would lose the opportunity to recover compensation for the harm they have suffered. Plaintiffs who work with a seasoned accident attorney in Phoenix are less likely to miss the deadline to file their food delivery accident claim.

Contact a Phoenix Food Delivery Accident Attorney Today

Negotiating with insurance companies after any car accident can be challenging. However, accidents involving food delivery vehicles are more complicated because multiple insurance policies may exist. Our Phoenix food delivery accident lawyers have the experience to represent injured parties effectively to reach the best possible Call us today to schedule a case review.

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