Sarah Leiphart, of York County, PA, was driving home on a two-lane road when another vehicle turned right in front of her. As a result of the accident, her vehicle was totaled Now, she is warning everyone to check their insurance coverage, as Pennsylvania’s auto insurance policies can vary depending on if they’re used for personal or work use.
After the accident, the other driver, who was driving for DoorDash at the time of the crash, claimed responsibility and the two parties traded insurance information. A short time later, however, the driver’s personal auto insurance company informed Leiphart they could not do anything because he was clocked in as a DoorDash driver when the two collided.
While Pennsylvania requires taxi and ridesharing companies, like Uber and Lyft, to offer a minimum coverage when their workers drive passengers, the same is not true for food delivery services. Individuals who work for food delivery services need to have extra insurance to protect themselves and others in the event of an accident.
According to Attorney Craig Fishman, who handles personal injury claims, “If you don’t have that additional coverage and you’re working as a delivery driver, you probably don’t have insurance. With the other food delivery companies, they may or may not have coverage. So, for example, Uber Eats provides coverage for its drivers for their liability when they cause an accident. Grubhub has no insurance. Instacart has no insurance. Postmates provides insurance when driving to pick up and driving to deliver, but not when the driving is sitting I his or her car waiting for an order.”
While Leiphart’s deductible was eventually reversed, it took months of back and forth with her insurance company. Fishman recommends that people purchase uninsured and underinsured coverage. That way, the victim will have access to funds in the event the opposing, at-fault driver does not have an adequate policy.
11 Investigates reached out to DoorDash regarding the matter. The company responded with the following statement: “DoorDash has a commercial auto insurance policy that covers bodily injury and/or property damage to third parties arising out of accidents while on an active delivery. Dashers agree to maintain their own insurance while on the platform, in accordance with local laws. In addition, DoorDash provides occupational accident insurance to all US dashers for injuries sustained while on active delivery.”