How Could Instacart Not Have Insurance?

Instacart is a website and app that allows users to order groceries and other household items nline and have them delivered to your home or office. In most cases, Instacart offers same day deliveries. When logging on to the application, users can choose from a large selection of stores n their area that partner with Instacart to deliver items. Once a user has placed an order through the application, a personal shopper will pick up the items, notify and let you know if any of the requested items are out of stock. Some of the most popular Instacart partners include Publix upermarket, Total Wine, BJ’s Costco, Petco, CVS Pharmacy, Whole Foods, and many more. During this pandemic, Instacart has been experiencing massive growth and quickly becoming a popular option South Floridians. In this blog post, we will discuss some of the insurance related issues that may arise if you are involved in an accident with an Instacart delivery driver.

Instacart Does Not Insure Their Drivers

Ordering your groceries online is a smart way to spend less time at the store and stop wasting oney on impulse buys. Additionally, ordering your groceries online presents numerous added benefits such as the ability to compare prices rapidly between different retail stores and supermarkets. As you can see, it is clear to see that Instacart appears to provide value to customers while simultaneously providing work to thousands of unemployed gig workers who simply want to earn extra cash. However, the classification of gig workers is a nightmare for  businesses and for the insurance industry. Determining whether a worker is an independent contractor or employee has always been a highly complex issue in insurance cases. In part because it requires an analysis of many different factors, including work instructions, training, set work hours, and the furnishing of equipment. While many jobs have factors that point to either ndependent contractor or employee status, gig workers are even more difficult to classify. You may be surprised to find out that unlike many competitors, Instacart does not provide commercial liability insurance for its delivery drivers. Instead, Instacart drivers are supposed to carry their own auto insurance which can be problematic. The main reason for this is that commercial liability insurance can be very expensive, and it is extremely unlikely that a driver for Instacart is going to purchase an additional commercial policy in addition to the insurance policy they’re already required to pay for under Florida law. As a result, many of the drivers who are delivering for Instacart and other delivery services may not have insurance in the event that they cause a crash. This means that even though an Instacart driver is on the job, that driver may not be able to compensate you for your injuries and medical bills.

Speak with a Car Accident Attorney Today!

If you or someone you love is involved in an accident with an Instacart driver, Instacart will likely claim that their drivers are independent contractors over who they have no control to avoid iability. Additionally, the driver’s car insurance provider will may deny coverage if the driver failed to disclose that they were driving for Instacart. Our best advice for you is to protect yourself and your family and purchase uninsured and underinsured motorist coverage. This coverage is part of your own insurance that is available to you to pay medical bills, cover lost wages, and over the cost of getting treatment for injuries in the event of an accident. The Florida car accident attorneys at Suarez & Montero 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 after being involved in a car accident. Remember, we work on a contingency basis so you will owe us nothing If we are unable to obtain successful results for your case. The attorneys at Suarez & Montero can meet with you to discuss further. always available to talk with you and answer your questions. 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.

We serve clients throughout Florida including those in the following areas:

Miami-Dade: Aventura, Coral Gables, Doral, Fontainebleau, Hialeah, Homestead, Kendall, Miami, Miami Beach, Miami Lakes, North Miami, Tamiami, and Westchester.

Broward: Fort Lauderdale, Hallandale Beach, Hollywood, Pembroke Pines, and Weston; and Palm Beach County including Boca Raton, Lake Worth, and West Palm Beach.

Jaime Suarez

An experienced legal personal injury defense professional in Miami, who is dedicated to helping accident victims with personal injury cases involving automobile accidents, brain and spinal cord injuries, slip and fall accidents, prescription errors, wrongful death, and accidents at work.