Do you drive for DoorDash or a similar company? If so, read this blog before you step into your car to deliver food.
Most, if not all, auto insurance carriers require you to pay a higher rate towards insurance and have a business-use endorsement on your car insurance policy. What does this mean? To say it bluntly, insurance companies understand that by delivering food on the road, you’re most likely going to be driving more than usual, thereby increasing the likelihood of you getting into an accident. So, if for example, you get into an accident (even if by no fault of your own) without having the extra coverage for DoorDashing, you won’t be able to be paid for your pain and suffering. Essentially, you’d only be entitled to special damages, which include property damage and reasonable medical treatment you received as a result of the accident.
Well, at least you’ll be getting something, right? That depends on how you view “getting something.” If, for example, you chose to get the extra insurance for delivering food, you weren’t at fault for the accident, the at-fault driver had a $100,000 policy limit, and your medical expenses were $60,000, attorneys at Mercado & Sacramento, PC could possibly settle the claim for you for the full policy limit of a $100,000. Meaning, your property damage would be taken care of, your medical bills of $60,000 would be paid for, and you’d be able to have $40,000 in your pocket for your pain and suffering. In this scenario, that’s a whole lot more of something.
In short, if you’re delivering food on the road without business-use coverage, then you’re highly unprotected against accidents. Having the necessary coverage is crucial and can be the determining factor in whether or not you’ll be compensated properly for your injuries.
Call Mercado & Sacramento, PC for a free consultation if you’ve been involved in an accident while driving for DoorDash.