Whether you’re struck by a delivery truck or a car with the Grub Hub logo in the window, someone must be held responsible. However, disputes over insurance and coverage periods often make these accidents more confusing than they need to be. That leaves many victims with one question: Who pays for delivery accidents?
Respondeat Superior
In American law, employers are typically responsible for the bad actions of their employees done in the regular course of duty. This is called “Respondeat Superior,” which is Latin for “Let the Master Answer.”
In delivery accidents, this typically applies to employee drivers such as truckers and UPS drivers. Unfortunately, rideshare and app-delivery drivers are not considered employees.
Contractors vs. Employees
Rideshare drivers are considered contractors. That means they typically don’t have the same legal protections as full employees. California tried to address this by passing a law making most contractors employees, but this has resulted in extended legal battles.
The major rideshare and app-delivery companies typically provide their own insurance for their drivers. However, these are usually very limited. DoorDash, for example, only provides insurance coverage for drivers with merchandise in the vehicle.
When a driver’s insurance coverage is constantly changing, determining the proper settlement can be extremely confusing. For that reason, it’s best to consult an experienced auto injury attorney after any accident involving a delivery driver, whether they are a formal employee or a contractor.
If you or someone you love suffered serious injuries at the hands of a delivery driver, you might need an attorney who puts people first. If you’d like an experienced Sacramento injury lawyer from Piering Law Firm to evaluate your case, please send us an email or call (916) 476-2399.