Postmate is a delivery company which transports food from restaurants and eating joints to customers. Eating establishments generally don’t have the leeway to employ delivery drivers, and instead make the use of such services to help get their food to customers who aren’t willing for in-store pick up, which boosts sales. Eating establishments have a contract with Postmates, among other food delivery services.
Postmates drivers can work for as long as they want, and take time off when they deem fit. They are in essence, their own bosses. They are given the insurance coverage and are protected by Postmates in the event of an accident. There are many who are clueless about the coverage liability, and what is it that happens after they have a car accident- can they sue or not? Is it grounds for filing an injury claim?
Let us help to break it down for you.
How Is It That Postmates Works?
Drivers of Postmates are sent for deliveries based on requests on their apps. Postmates drivers once they receive the pickup request, are to wait at the restaurant location for the food to be prepared, are to pick it up and have it delivered at the designated location set by the customer. Drivers can make use of both motorcycles and bicycles, even though the latter is at a higher risk of being hurt in the event of a serious collision. You don’t even need a vehicle; you can also take a walk and deliver it.
What About The Postmates Insurance Coverage?
Its policy covers all drivers. The reason for this is because a personal auto insurance policy is not covered under commercial driving. Drivers are covered under a $1,000,000 liability cover. This is supplemental meaning that it can be added along with your insurance, and you needn’t have a policy active.
Keep in mind that the insurance policy is only active if the driver has accepted the delivery. If you have the app opened, then you are not liable to be covered. This is different from rideshare insurances like that of Lyft and Uber, which is active if you are waiting on a customer with the app being active. The insurance cover increases once the ride has been started.
Postmates doesn’t provide coverage for your vehicle, though. What the liability coverage has covered is what the company utilizes. Your personal delivery vehicle is not something that the company utilizes. For this reason, your car’s repair costs will not be covered under the unforeseen circumstances of an accident- you will have to pay for it from your wallet.
However, third-parties are protected in the event of the crash.
What To Do After A Postmates Accident?
In the event of an accident, most people are frozen in a state of shock, not knowing what to do next. All you need to do is follow a few simple steps and you will do just fine.
The first thing you need to do is to ensure that you are not severely hurt. If you are seriously hurt and you can move, then call 911 and wait for the EMT to reach you. if you are not hurt too terribly and can move around without further injuring yourself, then check on the others involved in the crash.
Once you are in the hospital, get yourself checked even if you don’t feel immediate pain. Most of the severe injuries caused during an accident are internal and they may not show. Get a complete check-up, and collect all of the medical records, bills and doctor’s prescription as a valid proof to present in court. The longer you take to check into a hospital, the more challenging it gets to tie in the injuries to the accident, and not something else.
Get in touch with the responding police officer at the scene of the accident, and ask for a copy of the accident report. It is a crucial document that gives valuable information on the accident, and what the probable cause leading to it was.
The smarter option would be to get an attorney for Postmates accident on board. Having a lawyer that is experienced and well-versed in such cases will be able to better guide you and help win the case, get you the compensation you deserve and punish those responsible.
From there on out, let the Postmates accident attorney do the heavy lifting.
Earning From Postmates Accident Lawsuit
There are several forms of compensation that one can receive. A good Postmates accident attorney will ensure that you get the compensation that is in line with the physical and mental trauma that you had to undergo.
- You can get coverage for medical bills, hospitalization, medication, surgery and many more
- Compensation for lost income due to injuries
- Property damage
- Pain, suffering and mental anguish among anxiety, emotional scarring and fear as a result of the accident.