UberEATS Accidents In California: Do Uber’s Regular Insurance Coverages Apply?

October 11, 2018
On behalf of The Law Offices of Howard Craig Kornberg Posted in Uber and Lyft Accident

With UberEATS, you can order delivery from your favorite restaurants straight to your doorstep. It is fast, easy to use, and super convenient when you are not in the mood to get up from the couch, but desperately crave that steak from a restaurant that makes the best steaks in Los Angeles.

As you may or may not know, UberEATS offers on-demand food delivery from local restaurants and works the same as the ride-hailing Uber app. Meaning: UberEATS uses vehicles to deliver food in Los Angeles and all across California.

But what happens if you have been involved in an accident with an UberEATS vehicle? Does Uber’s insurance cover the UberEATS driver? These are the questions we asked our Uber accident attorney from the Law Offices of Howard Craig Kornberg.

Insurance coverages that apply in Uber accidents

It is true that, in theory, the same insurance coverage that exists for Uber accidents should also apply to accidents involving UberEATS. But this is only in theory because it gets more confusing than that.

Uber, the regular ridesharing app in California, offers insurance coverage for both its drivers and customers. If you are not familiar with it, here are the basics:

  • After a ride has been accepted by the Uber driver and/or the Uber driver is in the middle of a trip, transporting passengers: Uber offers $1 million of liability insurance for each Uber accident and another $1 million for uninsured or underinsured motorist insurance benefits for each accident involving an Uber vehicle (the coverage is available to the driver and passengers).
  • The Uber app is on but the driver is not carrying passengers at the time: In that situation, Uber offers $50,000 for each person in the accident and $100,000 for each accident as well as $25,000 of property damage coverage.
  • Passengers are in the vehicle: If an Uber passenger is in the car and an accident occurs, Uber may make comprehensive/collision insurance available.

What UberEATS insurance coverages are available

If you have been involved in a car crash involving an UberEATS driver, you are probably wondering whether or not Uber’s regular insurance coverage will apply.

Our experienced Uber accident attorney in Los Angeles explains that the same insurance coverages apply in situations when:

  • An UberEATS driver accepts a food delivery request or is in the process of delivering the food. In that situation, Uber’s $1 million coverage applies to cover the cost of injuries and damages caused to and by the UberEATS driver;
  • An UberEATS driver may also be able to access Uber’s $1 million of uninsured/underinsured motorist coverage to seek compensation for injuries and damages caused by an uninsured or underinsured driver or in the event of a hit-and-run;
  • An UberEATS has the app on, before or after a food delivery request has been accepted. In that situation, Uber provides the same $50,000 per person, $100,000 per accident, and $25,000 for property damage insurance coverage.

How to recognize an UberEATs vehicle?

While it may seem that recognizing an UberEATS vehicle may be easy (most of them have stickers on the windows), it is not necessarily so. Here is the thing: finding out if UberEATS was involved in your car accident is tough for a variety of reasons.

First of all, not all UberEATS vehicles are marked. Second of all, not all UberEATS drivers want to admit that they were driving for UberEATS to avoid insurance problems and out of fear that Uber could suspend them from accepting future food delivery orders because of the accident.

In that case, to prove that the driver was driving for UberEATS and to get access to Uber’s $1 million insurance coverage, you will need a Los Angeles Uber accident attorney by your side. Schedule a free consultation with our skilled lawyers at the Law Offices of Howard Craig Kornberg today. Do not hesitate to call at 310-997-0904.


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