Amazon and Walmart Grocery Delivery Accidents
It is becoming more and more common to see millions of Americans order their groceries online. Some big box retailers offer curbside pick-up which allows customers to pick up their items. As curbside pick-up continues to gain popularity, so does grocery delivery. There are multiple companies that offer delivery services in South Florida. Some examples include Shipt, Postmates, and UberEATS to name a few. Big box retailers like Target have partnered with companies like Shipt, other retailers like Walmart and Aldi have created their own delivery service to serve their customers. Many of the drivers who are delivering for these companies are uninsured or underinsured. This means that they won’t be able to pay for any injuries if you are involved in an accident. So, what do you do if you are involved in an accident with a grocery delivery driver? Conversely, what do you do if you are a grocery delivery driver and get into an accident while on the job? In this blog post, we will answer some of these questions and focus specifically on Amazon Flex drivers in addition to Walmart delivery drivers.
Amazon Grocery Delivery Accidents
Amazon is another big player in the grocery delivery space as they employ thousands of drivers through their Amazon Flex app which allows drivers to get paid for making deliveries to households around the country. Generally, these drivers are considered to be independent contractors hired by Amazon. Due to the fact that Amazon’s grocery delivery service is still fairly new, people are still learning more and more about Amazon’s insurance coverage for their drivers and what is and is not covered after an accident occurs. Generally, Amazon Flex provides insurance coverage for liability, comprehensive/collision, and uninsured or underinsured drivers. The coverage caps out at $1 million per accident and covers car accidents where the Amazon driver is at fault including any property damage and bodily injury to third parties. Additionally, the comprehensive/collision coverage covers $50,000 worth of property damage to the delivery driver’s vehicle regardless of fault but requires a $1,000 deductible. The only issue is that in order for the Amazon commercial policy to apply, the driver must have their own personal insurance policy with comprehensive/collision coverage. If not, the Amazon commercial policy will not cover any accidents. Similar to the liability coverage, the Amazon commercial insurance policy provides up to $1 million in coverage for uninsured or underinsured drivers. It is important to point out that Amazon’s insurance policy will only come into play when the delivery driver is picking up, delivering, or returning packages to an Amazon facility at the time of the accident. In contrast, when a car accident occurs while the driver is off the clock, Amazon’s insurance does not cover any accidents. Instead, the delivery driver and anyone else affected by the accident will have to rely on personal insurance for coverage. Sadly, many Amazon Flex drivers don’t realize that by using their own personal vehicle to make deliveries with Amazon, they could be voiding their own auto insurance policy. To an insurer, if the driver failed to mention that they would be using their vehicle for personal business, it could be considered as a misrepresentation and may void their policy. Additionally, if a driver doesn’t have or fails to pay for their personal auto insurance policy, they could lose their coverage under the Amazon policy. As you can imagine, this can create serious problems for car accident victims looking to be compensated for their injuries.
Walmart Grocery Delivery Accidents
You may also be wondering about insurance coverage issues pertaining to Walmart grocery delivery accidents. Walmart recently began offering grocery delivery services for their customers. In the past, Walmart had partnerships with UberEATS and Postmates for grocery deliveries, but Walmart has since parted ways with Uber in most if not all states. Instead, Wal-Mart has been experimenting with a new program called Spark which is being managed by Delivery Drivers Inc. or DDI which allows drivers to work as independent contractors delivering products to customers. Most independent contractors are not typically covered by workers’ compensation insurance. As a result, DDI offers insurance for its drivers in the event of an accident while on the job. In the event of an injury on the job, driver medical expenses can be covered by occupational accident insurance, up to $250,000/year. The specific insurance coverage details are not known as Walmart is still experimenting with this service and has not fully launched in all 50 states.
Contact our Miami Car Accident Lawyers Today!
The Law Offices of Suarez & Montero Car Accident Lawyers believe that all victims who have been injured by someone else’s negligence deserve to be compensated for their injuries. The Law Offices of Suarez & Montero Car Accident Lawyers represents accident victims injured in various types of accidents. Our skillful attorneys are genuinely committed to our clients. We will fight to make sure that you get the maximum amount of compensation owed to you. Working with a skilled car accident lawyer in Florida can make all the difference in your case. If you have additional questions about your personal injury case, you should contact an experienced Miami car accident attorney today! The attorneys at Suarez & Montero protect your rights, understand how the insurance claims process works and know how to present a strong personal injury claim. We encourage you to reach out so that we can explain more about the different ways that our law firm and attorneys can provide legal help and guidance with your car accident claim. Make an appointment with us at one of our many locations. Our skillful attorneys are genuinely committed to our clients. We will fight to make sure that you get the maximum amount of compensation owed to you. Let us help you get the medical care you need and fight to make sure you are compensated for your injuries! Our attorneys are ready to provide proven legal representation in pursuing your claim and stand ready to protect your rights. We are available 24/7 to give you a free, no risk case consultation.
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