Our Postmates Accident Attorneys in California Can Help You

Postmates is the most trusted food delivery service in California. Everything from your daily grocery needs to getting food delivered from your favorite restaurant, Postmates takes care of it. Multiple orders combined with the pressure of doing more deliveries, and with so many vehicles on the roads increases the chances of road accidents. Of course, every driver tries their best to avoid any accident. But the hurry to deliver quickly and complete more orders can be the reason for flouting traffic rules and that may lead to a vehicle collision.

Accidents can happen on the road, whether you are a driver for Postmates, a pedestrian, or another driver who was involved in an accident with a Postmates vehicle. In these cases, it is crucial to have legal representation that understands the unique circumstances surrounding accidents involving delivery services.

If you have been involved in a collision with a Postmates delivery person, get in touch with our California Postmates accident attorney. Our attorney will help you protect your rights and initiate the claim process on your behalf.

Postmates Insurance Policies in California: What You Need to Know

As a Postmates driver in California, your regular vehicle insurance will not provide adequate coverage. During the onboarding process, the drivers have to confirm that they already meet or have more than the minimum car insurance coverage as per the laws of California.

The minimum liability coverage requirements in California are as follows:

  • $15,000 for injury or death of one person in an accident
  • $30,000 for injury or death of multiple people in an accident
  • $5,000 for property damage in an accident

However, Postmates provides additional coverage when the driver’s insurance is insufficient to cover the losses.  Postmates’ insurance policies are in place to protect you and your vehicle while you’re on the job.

Postmates Accident Attorneys in California

Postmates provides certain coverage to its riders in California:

  • Excess Auto Liability Coverage: This kicks in when you’re involved in an accident while driving for Postmates and covers up to $1 million per accident for bodily injury or property damage to a third party.
  • General Liability Coverage (on foot or by bike): If you’re delivering on foot or by bike and cause property damage to someone else, this coverage provides up to $1 million in protection.
  • Occupational Accident Insurance: This covers medical expenses, disability benefits, and death benefits in case of an accident while on a delivery. It offers:
    • Up to $500 per week for temporary disability.
    • Up to $500 per week for continuous total disability.
    • Up to $100,000 for accidental death.
    • Up to $100,000 survivor benefit.

3-Stages of Postmates Delivery

The level of coverage provided by Postmates can vary depending on the stage of your delivery. There are three periods during a delivery:

  • When you’re offline,
  • Online but waiting for a delivery request, and
  • Actively making a delivery.

The extent of coverage may differ based on these periods, so be sure to familiarize yourself with each one.

While Postmates provides certain insurance coverage, it’s important to note that there may be gaps or limitations in their policies. It would be best to consider purchasing additional commercial auto insurance or discussing with your auto insurer to ensure adequate protection for yourself and your vehicle.

What Happens If I Am an Uninsured or Underinsured Postmates Driver?

In California, it is not mandatory to have uninsured/underinsured motorist coverage. However, UM/UIM coverage is a wise investment, especially for delivery drivers who spend significant time on the road. Without proper insurance, you’ll be responsible for paying for any property damage or injuries you cause to others in an accident. This could drain your savings and even lead to lawsuits. 

Postmates’ insurance only applies during deliveries. If you’re in an accident while logged into the app but haven’t accepted a delivery yet, you’re not covered by their policy. Your insurance might not extend either, depending on your policy details.

Even though minimum liability coverage is mandated by laws, the other at-fault driver may not surely have it. So. if on some unlucky day, you get involved in a motor vehicle collision with any such driver, then all your damages will not be properly covered. Without uninsured/underinsured motorist (UM/UIM) coverage on your auto insurance, you will surely be financially stressed out. 

Involved in a Postmates Accident? Pacific Attorney Group Can Help You

From the date of the Postmates accident, you have two years to file your injury claim. Are you unsure about how to proceed with the claim?  Set aside all your concerns, the legal team at Pacific Attorney Group is ready to take your claim and will take care of all the formalities. Our California Postmates accident attorney can walk you through the claim process to help ensure your rights are protected.

Schedule your free consultation with us today and we will assess your likely compensation amount. Don’t worry about the charges, we have no fee guarantee. Nothing will be charged unless we get you the compensation you deserve. We are ready to answer all your questions, just call us once!