Because food delivery app drivers provide commercial services, their personal auto insurance policies may not apply if they get in an accident while delivering food. If you have been in a collision with an uninsured delivery driver, you need legal assistance from a personal injury attorney with experience dealing with insurance for food delivery app drivers in Aurora.
For more than 40 years, the team at the Law Offices of R.F. Wittmeyer, Ltd. has helped injured drivers recover substantial damages from all insurance payment sources to compensate for their losses and injuries. Contact us today to begin working with a skilled food delivery accident attorney.
What Insurance Should Food Delivery App Drivers Carry?
Illinois law requires drivers to carry bodily injury liability insurance of at least $25,000 per person, $50,000 per accident, and $20,000 for property damage. However, this insurance applies only to a motorist’s personal use of their vehicle. Food app delivery drivers who work as independent contractors need additional coverage. They can generally obtain an endorsement on their personal auto insurance policy that extends liability coverage to accidents that occur while they are actively delivering food. In contrast, they can acquire a standalone commercial liability policy, which might include higher coverage limits.
After your accident with a food delivery service app driver, our Aurora lawyers could investigate their insurance coverage to identify potential compensation sources.
What Insurance Do Food Delivery App Services Provide?
Some food delivery platforms contractually obligate their drivers to procure delivery endorsements or separate commercial liability policies, but they might not verify that their drivers comply with such obligations. These platforms maintain narrow and limited secondary insurance that may be a source of damages recovery if an accident happened while a contract driver was actively in the process of delivering food. However, this limitation gives the platforms and their insurance companies a chance to challenge an accident claim if the evidence suggests, for example, that the driver detoured off a delivery route to do a personal errand when involved in an accident.
Our lawyers could fight to recover compensation from all insurance sources after your Aurora accident with a driver for a food delivery platform. We have in-depth knowledge about multiple insurance policies’ interactions and all responsible parties’ contractual obligations to maintain adequate liability coverage.
How Could Our Lawyers Help You After an Accident with a Food Delivery App Driver?
Injured motorists who attempt to deal with insurance claims without a lawyer’s help are rarely, if ever, able to recover the full amount of damages that they deserve. Following your food delivery app accident, our experienced Aurora lawyers could make sure that insurers do not take advantage of you. In addition, we could examine evidence to determine the direct cause of your wreck and liability. Our compassionate team has helped other individuals file similar injury claims and could provide comprehensive guidance, ensuring you can navigate the legal process with ease.
Contact Our Aurora Attorneys To Discuss Insurance for Drivers for Food Delivery Platforms
If you have questions about insurance for food delivery app drivers in Aurora or you have suffered injuries in an accident with a delivery driver, contact the Law Offices of R.F. Wittmeyer, Ltd., today. Our experienced attorneys could explain your legal options during a free consultation.