DoorDash Driver Benefits: A Guide to Occupational Accident Insurance
As a DoorDash driver, you understand the importance of having proper insurance coverage while on the job. With the increasing demand for food delivery services, more and more people are turning to platforms like DoorDash to make extra money.
However, with this job comes the risk of car accidents. You must be aware of your insurance options and requirements to protect yourself and others in case of an accident.
This blog will provide an overview of accident insurance coverage for DoorDash drivers. We’ll discuss DoorDash’s occupational accident policy and what steps to take after an accident.
DoorDash Occupational Accident Policy
If you’re a DoorDash driver, it’s important to know what kind of protection you have under their occupational accident policy in case of an accident. As a driver, you must maintain your auto insurance policy, but your car insurance policy may not cover accidents during active delivery. This is where DoorDash’s occupational accident policy comes in.
Here’s what’s included in DoorDash’s occupational accident policy:
- Medical expenses of up to $1,000,000 for drivers involved in an accident while making deliveries.
- Disability payments of 50% of your average weekly wage up to a maximum allowance of $500.00 per week minus other income
The coverage applies automatically and does not require any enrollment or additional fees.
While this coverage provides valuable protection for drivers injured on the job, DoorDash drivers must also comply with state laws regarding minimum liability limits and maintain their own personal auto insurance policies for their vehicles.
What is Active Delivery?
When DoorDash drivers are actively delivering orders, they are covered under DoorDash’s occupational policy. This coverage starts from the moment they accept a delivery request until the order is marked as delivered, unassigned, or canceled.
However, if Dashers are online but haven’t accepted a delivery, their personal insurance is their primary coverage.
It’s important for Dashers to be aware of these conditions and to understand the coverage provided by DoorDash to ensure they are appropriately protected during their deliveries.
Does DoorDash Occupational Accident Policy Cover Property Damage?
No, DoorDash occupational accident policy does not cover property damage for the driver. This policy primarily focuses on providing coverage for work-related injuries and associated expenses. However, DoorDash has liability insurance that covers third-party property damage if a Dasher causes an accident during an active delivery.
As a Dasher, it’s important to understand the distinction between the DoorDash occupational accident policy and DoorDash’s liability insurance to ensure you have a comprehensive understanding of the insurance coverage provided.
DoorDash Occupational vs. Liability Insurance Coverage
DoorDash offers two distinct types of insurance coverage: occupational accident insurance and liability Insurance.
The occupational accident insurance is designed to cover work-related injuries and associated expenses for Dashers. It offers financial protection for medical expenses, disability benefits, and rehabilitation costs.
On the other hand, DoorDash’s liability insurance focuses on protecting third parties if a Dasher causes an accident during an active delivery. This coverage protects property damage or bodily injury sustained by others due to the actions of a Dasher.
It applies during active deliveries and covers up to $1,000,000 in bodily injury and/or property damage for third-party victims.
Filing a Claim under DoorDash Occupational Accident Policy
Filing a claim after a DoorDash accident can be overwhelming, but don’t worry – there are steps you can take to help protect your rights and seek the compensation you deserve.
Gather as much information about the accident as possible. To support your claim, you may need to gather relevant documentation, including:
- Medical reports or records detailing the extent of your injuries.
- Invoices, receipts, or bills related to medical treatment and expenses.
- Any official accident reports filed with local authorities.
- Proof of loss of income, such as pay stubs or financial statements, if you’re seeking disability benefits.
Make sure to keep copies of all documentation for your records, as they may be required during the claim process. Next, file a claim with DoorDash’s insurance provider by filling out the intake form at www.bluestarclaims.com.
Consult an experienced car accident lawyer before speaking with DoorDash or your insurance company to protect your rights during this stressful process.
If you’ve been involved in an accident while driving for DoorDash, don’t wait to get the legal help you need. Miley Legal is dedicated to protecting the rights of DoorDash drivers, so contact us today to learn more about your insurance coverage options and how we can help you receive the compensation you deserve. Stay safe out there on the roads!