Food delivery drivers spend many hours on the road, especially during peak delivery times. In addition, they may speed in an attempt to maximize the number of deliveries they can make to increase their earnings and protect gas mileage.
The personal injury claims process can be more complicated when a delivery driver causes an accident, making it more difficult for you to get the compensation you deserve. Working with an Aurora food delivery accident lawyer could help you understand your options for compensation. Contact Law Offices of R.F. Wittmeyer, Ltd. to consult an experienced car accident attorney today.
Unique Challenges Faced by Food Delivery Drivers
Food delivery drivers often face several challenges that other drivers, including those driving for personal purposes, may not experience on the road, including:
- Increased risk of distraction, as drivers may need to use their app to navigate or accept deliveries
- Increased risk of driver drowsiness, particularly for those who accept deliveries as a secondary occupation or source of income
- Driving in unfamiliar areas
- Greater odds of speeding or engaging in other dangerous behaviors behind the wheel to decrease delivery times
Delivery drivers may also spend a lot of time out on the road, naturally increasing accident risk. No matter the direct cause of your delivery driver accident, a seasoned lawyer in Aurora could help you pursue compensation to cover your personal injuries and losses.
Insurance Requirements for Delivery Drivers
When a delivery driver causes an accident, their insurance will generally be used to cover the cost of damages. However, delivery driver insurance requirements can prove complex.
Personal Insurance Policies
In Illinois, drivers must carry either a commercial auto insurance policy or a personal auto policy that includes a business use endorsement. Furthermore, most delivery apps require food delivery drivers to carry their own auto insurance coverage. Such policies should provide primary coverage for the damages related to an accident caused by the delivery driver’s negligence.
Coverage Through the Food Delivery Platform
Some food delivery platforms provide additional insurance coverage for their drivers while they deliver food. These policies cover the driver as they drive to pick up an order and deliver it. However, they generally do not activate until the damages caused by an accident exceed the protection offered by the driver’s personal insurance policy.
During an initial consultation, an Aurora attorney could further explain how insurance requirements will apply to your food delivery accident case.
Compensation Following an Accident with a Food Delivery Driver
When you have suffered injuries in an accident with a food delivery driver in Aurora, working with an attorney could make it easier to seek compensation. Financial recovery typically includes:
- The cost of medical treatment after the accident
- Any wages or income lost due to the accident
- Pain and suffering
- Loss of enjoyment of life
Your attorney could examine evidence, including food delivery app records, property damage, and your medical records, to determine the value of your claim and liability.
Contact an Aurora Lawyer After Your Food Delivery Accident
If you have suffered injuries in an accident with a food delivery driver, do not try to handle your claim alone. Instead, reach out to an Aurora food delivery accident lawyer for the support you need to navigate the legal process with confidence. An attorney from the Law Offices of R.F. Wittmeyer, Ltd. could help you understand potential insurance policies that may cover the accident and how you could recover the compensation you need. Reach out to our firm today to discuss your case.