UberEATS is everywhere in South Florida now. There was a recent announcement that UberEATS will even deliver food from McDonalds. But what happens if you have an accident with an UberEATS driver? Will Uber insurance cover the UberEATS driver?
Our Miami UberEATS accident lawyers assure us that the same coverage that exists for Uber accidents should apply for any accident involving UberEATS.
Uber Insurance Coverage
Uber and Lyft have similar insurance coverage for their drivers and customers. Here is a brief overview:
- Insurance with Passengers or After Acceptance of a Ride Request: Uber and Lyft provide one million dollars of liability insurance for each accident and one million dollars of uninsured or underinsured motorist insurance benefits for each accident available to the driver and passenger(s);
- Insurance When App Is on But Before or After the Acceptance of a Ride Request with No Passengers: Uber and Lyft provide fifty thousand dollars of insurance for each person and one hundred thousand dollars for each accident as well as twenty five thousand dollars of property damage coverage for damage to other cars;
- Comprehensive/Collision Insurance: Both Lyft and Uber make available $50,000 in this type of insurance coverage but only while Lyft or Uber customers are in the vehicle;
- Collision/Comprehensive Deductibles: Uber allows for a $1000 deductible while Lyft’s deductible is $2500.
UberEATS Insurance Coverage
Our Uber car accident attorneys in Miami have investigated the question of what insurance coverage will apply when an UberEATS driver is in a car accident. Based on what we found out the same coverages should apply as follows:
- If the UberEATS driver accepts a food request or is in the process of making a delivery, then the $1million insurance coverage should apply. This coverage would cover the driver and any injuries or damages caused by the UberEATS driver;
- If the UberEATS driver is injured by an uninsured or underinsured driver after accepting a food request or is in the process of picking up and delivering food, then that UberEATS driver would be covered by the $1million of uninsured/underinsured motorist coverage for injuries and damages that the UberEATS driver suffers;
- If the UberEATS driver is on the clock, meaning the app is open and available, but before or after any food requests, then the $50,000 per person and $100,000 per accident and the $25,000 of property damage coverage should be available.
How to Find Out If UberEATS was Involved in Your Car Accident?
In some car accidents, you can tell that the other car was an Uber or Lyft vehicle. Some Uber drivers have stickers on their windows. Lyft drivers may have the pink mustache on the car. If the Uber or Lyft car is not clearly marked, odds are the driver and/or passengers will say something. But if it is an UberEATS driver you can’t question a bag of food.
There is also a chance that the UberEATS driver will not want to admit that they were driving for UberEATS out of fear that they will be suspended from future trips because of an accident. So, what do you do?
Your Uber accident lawyer or Lyft car accident attorney can help. The lawyer can send a formal letter to Lyft and Uber demanding that they disclose if the other driver was working with either company at the time of the accident.
The attorney can also conduct an in-depth investigation into all possible avenues of recovery through public records, discussions with the investigating officer and attempts to speak directly with the other driver or his/her representative. Ultimately, the other driver should be made to understand that it will be in their best interests to have the insurance coverage that UberEATS might provide.
Miami Car Accident Lawyer Helping UberEATS Accident Victims
At Wolfson & Leon, our Miami Uber accident lawyers and Lyft injury attorneys have helped all kinds of car accident victims in South Florida since 1963. Our personal injury legal team understands what to do and how to help you after your Uber, Lyft or UberEATS accident.