DoorDash, Uber, Lyft and others can have liability for compensating the victim of a crash caused by one of its contract drivers. The liability is not automatic, though. Explaining when the company’s insurance comes into play requires a bit of a digression.

Food Delivery Drivers Are Not Necessarily More Dangerous Than Other Drivers
No one needs to search the web very long to find a headline such as “Food Delivery Driver Faces Felony Charges After Lakeview Hit-and-Run Caught on Video.” That terrible incident occurred in May 2020 near Chicago.

News like that makes it easy to assume that the gig workers driving for DoorDash, Uber Eats and similar companies pose a particular risk. Pressure to maximize deliveries and minimize transportation time from a restaurant’s kitchen to the customer’s door appear to incentivize speeding and ignoring stoplights.

Additionally, a food delivery driver is practically guaranteed to spend some portion of their time behind the wheel distracted by orders coming in via smartphone and maps on their GPS devices. But if statistics show that people who work for DoorDash get involved in more crashes than people who do not do food delivery, that almost definitely means that DoorDash drivers spend a greater number of hours on the road at night and in bad weather than do other people. More driving translates into more chances for crashing, and no one beats the odds forever.

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There is also the fact that DoorDash drivers do not cause each crash in which they are involved. Being on the road makes food delivery drivers potential victims of other people’s negligence and recklessness.

Which raises a first set of questions that must be answered before even considering whether the company can be held liable for a crash caused by one its contract drivers. Perhaps most importantly, it must be confirmed that the food delivery driver was actually at fault.

It will also need to be confirmed that the at-fault driver was on a delivery run. DoorDash will only potentially have liability if its driver caused a crash while they were working for the company. “Working” in this scenario means traveling to a customer’s residence with an order.

Then, in order to sustain an insurance claim, the victim of the crash must produce medical records and other forms of proof that they sustained injuries in the crash. Additionally, evidence must show that they incurred medical bills, lost income and suffered pain and emotional trauma.

When DoorDash Insurance Can Be Invoked
Even when a contract driver clearly causes a crash and inflicts injuries while working for DoorDash, the at-fault driver’s own auto insurance policy will cover most property damage and injuries. On its website, DoorDash explains that no one can start driving for the company unless they are fully insured at the time that sign up. The company further states

If you [as a contract driver] fail to maintain your own insurance, DoorDash’s coverage may not apply. Damages sustained to your vehicle in an auto accident are your responsibility and should be addressed by your auto insurance carrier directly. DoorDash does provide excess auto insurance for Dashers, but this policy applies only to damages you cause to other parties (i.e. third party property damage and/or bodily injury) and only to accidents while on an active delivery (when you are in possession of goods to be delivered). This excess insurance applies only after you go through your own auto insurance policy first.

And this brings up a second set of questions, including

How much coverage does the at-fault food delivery driver carry?
How much can the injured crash victim reasonably claim in compensation? Does that exceed the driver’s coverage?
Will settling a claim for the maximum amount available under the driver’s policy make sense, or is it worth it to the crash victim to try to hold the company liable?
Only the victim and their family can definitely answer that final question. An experienced and empathetic Vermont personal injury attorney can offer advice and explain options, but the final decision always rests with the client.