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Postmates insurance coverage

Postmates is a delivery company that employs drivers who transport food from restaurants to customers. The restaurants usually do not have delivery drivers themselves and only utilize in-store pickup. They are often engaged in deals with Postmates that allow them to make such deliveries. Postmates drivers are not unlike drivers in rideshare companies; they set their own schedules, work for as long as they like, and then take time off. They are given the same insurance and liability coverage to an extent and are protected by Postmates in the event of an accident. Many individuals are uncertain about liability coverage and what happens after car accidents, though, and they do not know if they can sue or not. Our expert lawyers at the Downtown LA Law Group can help you determine the best course of action if you were injured in a Postmates delivery accident.

How Postmates Works

Postmates drivers are sent requests for deliveries on their apps. They can then go to the restaurants to place the order or wait for it to be prepared. They then take the food to the customer and repeat the process. Postmates employs both individuals who use automobiles and individuals who use bicycles. Bicycle riders are often in more danger than automobile drivers.

Postmates Insurance Coverage

Postmates insurance coverage Postmates insurance coverage is provided for all drivers. This is provided because personal auto insurance policies do not cover commercial driving, or driving for payment. According to the company, drivers are protected for up to $1,000,000 in liability, which is supplemental – meaning it is provided in addition to your insurance, and you do not necessarily need to have a certain policy active. The insurance policy is only in effect when you have accepted a delivery through its completion point. If you merely have the app on, you are not covered. You must be actively engaged in the delivery process, even if you are on the way to pick it up. This is slightly different from insurance policies that pertain to rideshare vehicles. Rideshare insurance is active when the app is on and you are waiting for a customer, and increases once the fare has been accepted. Postmates is also know for not providing coverage for your vehicle. Its liability coverage and underinsured/uninsured policy is all that the company utilizes. Therefore, your car’s repair costs will not be covered in the event of an accident. Third-parties are protected, though, in the event of a crash.

How Postmates Accidents Happen

Postmates accidents can happen for a number of reasons. There are many drivers on the road who are not careful or cautious, and as a result, they can cause numerous accidents. Reckless driving is the main reason that people are involved in car accidents, and stopping it is nearly impossible. Postmates drivers may also cause crashes due to the speed at which they work – the more deliveries they complete, the more likely they are to earn more money. They will often try to get food to the customers as quickly as possible to start up on another delivery. Common causes of Postmates accidents include:
  • Tailgating
  • Speeding
  • Turning across oncoming traffic
  • Turning without a signal
  • Running stop signs and red lights
  • Failing to yield
  • Failing to adhere to right of way laws
  • Driving while under the influence of alcohol or drugs
  • Using the phone while driving
  • Driving while tired
  • Vehicle defects or malfunctions, like brake problems and engine failure
  • Environmental and weather problems, like fog, rain, and storms
  • Road problems, like lack of streetlights, potholes, downed trees, sudden curves, hills, and more
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As a result of these accidents, severe injuries can occur. You should not take them lightly and should always get treatment. A few of the injuries you can receive include:
  • Broken bones
  • Fractures
  • Dislocates
  • Concussions
  • Closed head injuries
  • Traumatic brain injuries
  • Internal organ damaged
  • Severed limbs and digits
  • Scarring
  • Burns
  • Disfigurement
  • Muscle damage
  • Nerve damage
  • Knee injuries
  • Neck and spinal cord injures
  • Disc problems
  • Paralysis
  • Coma
  • Death
If you were involved in an accident while driving for Postmates, you can contact our firm for assistance moving forward.

What To Do After A Postmates Accident

It can be frustrating to take action after a car accident, especially if you were driving and making deliveries at the time. Many people are frozen after accidents or do not know how to proceed. If you follow these steps, you will have a good chance of success with your claim and you will stay healthy in the aftermath of a car crash. First, you should go to the doctor or to the emergency room for treatment, even if you feel you weren’t injured. Some injuries may be hidden or not show up immediately, and it is better for the doctor or EMT to catch and treat them ahead of time. It will also benefit your claim to go to the hospital sooner rather than later, as the gap will not encourage the insurance agent to dismiss your claim. You should also make it a point to gather all the medical notes, receipts, and other documents from the treatment. Next, you should take pictures of everything at the scene of the accident, from the injuries you suffered t the damage to your car and the other vehicle. You can also take screenshots on your phone of the delivery you were in the process of making. Video evidence can also be beneficial, such as dash cam footage.

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There may have been eyewitnesses, passengers, and bystanders who saw the incident happen. You can interview them for their statements and testimonies. It is worthwhile to have additional support from other individuals rather than your own perspective on events. The police may show up to conduct an investigation and direct traffic if the accident were particularly bad or if you were severely hurt. You can request a copy of the police report after the investigation has included. It can be received from the department. Then, you should collect insurance information from any involved parties. You can also write down contact details like the license plate number, phone number, address, and more from the other driver. You should then submit an incident and accident report form to Postmates to alert them to the accident. Finally, it is recommended that you reach out to an expert lawyer who can handle your Postmates accident claim. If you do not get the help of an attorney, you may not be able to win any compensation for your case. You may not have the necessary legal experience to go through the negotiation process, and your chances will worsen.

Earnings from a Postmates Accident Lawsuit

Postmates car accidents can result in various forms of compensation for you if you were not at fault during the incident. We will strive to win you the coverage you need. Our attorneys will work to bring you the following:
  • Medical bills from the past and future for surgery, hospitalization, physical therapy, medication, and more
  • Lost income from the past and future if you could not go to work because of your injuries, recovery time, or additional treatments
  • Property damage to your car and other items
  • Pain and suffering damages for mental anguish, PTSD anxiety, fear, emotional scarring, and more

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You should be fairly paid if you were hurt in an accident that was caused by another driver. Postmates should be held accountable in situations where the other driver is not able to pay up, as you are driving for the company and would not have been in the situation if you were not making a delivery.

Statute of Limitations on Accident Claims

In California, the statute of limitations on personal injury lawsuits is 2 years from the date of the injury. If you don’t file a lawsuit within this period of time, you will not be able to collect any damages for your losses. It is important that you file quickly; you do not want o run the risk of your evidence getting corrupted or lost. There are a few ways in which the statute of limitations can be suspended. If you were underage at the time of the incident, you could wait until you turn legal age to sue. If you were left incapacitated after the crash, you could sue once you have returned to health. Further, if the defendant left the state, you could wait to sue until he returns. Our attorneys will make sure that your claim is filed within the proper amount of time and that you do not miss any important deadlines.

Our Firm and You

The Downtown LA Law Group has years of experience handling lawsuits against Postmates for car accidents. We know that the company is often reluctant to pay out any damages and does not want to lose money by providing more to its drivers than it feels it should. This is why our attorneys are aggressive and will do all we can to win your claim. You deserve the maximum settlement available, and we will fight to the end to win it for you, even if it means going to court to do so. We will give you a free legal consultation when you call us. You can ask questions about your case and the legal process and we will tell you what we feel the value is and how we can win. If you want us to represent you, we will give you our zero fee guarantee. This promises that you won’t pay us any money throughout the case. We will only get paid by the insurance company if we win, as the money will come from the settlement we bring you. If we lose, we are paid nothing. Don’t let your Postmates delivery service accident go without you earning your rightful compensation. Let the Downtown LA Law Group help you today.
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