Does Grubhub Cover Medical Costs From an Accident?

In Georgia, Grubhub does not cover medical costs from accidents involving their drivers. The company does not provide occupational accident insurance or other coverage for drivers in this state.

This means drivers are solely responsible for their insurance coverage and any medical costs that may result from an accident while working for Grubhub. This can be a problem if a driver’s insurance doesn’t cover commercial vehicle crashes.

Our Atlanta car accident lawyers can explain your options for compensation after a Grubhub-related accident. You may have to pursue legal action against the responsible driver directly instead of from their insurer if they are driving for Grubhub with commercial insurance coverage.

Commercial Insurance and Medical Costs

Drivers should know that their auto insurance policy may not cover accidents while working for a food delivery service. Many standard personal auto insurance policies exclude coverage for commercial activities like food delivery.

This lack of coverage from Grubhub puts a significant responsibility on drivers to ensure they have adequate personal insurance. Drivers must understand that they need to have commercial coverage that will work in the event of an accident while driving for Grubhub.

Grubhub does not check to see if a driver’s coverage will cover victims in an accident. They only check to see if insurance exists.

Could Grubhub Ever Become Liable?

There may be situations where the company could be held liable for an accident. These situations are typically limited. For example, if Grubhub’s negligence contributed to the accident (such as through a flaw in their app that caused a distraction), there might be grounds for a claim against the company. 

In most cases, liability for accidents will fall on the individual drivers or other parties involved in the collision, not on Grubhub itself.

What Medical Costs Are Drivers Responsible For?

As Grubhub doesn’t provide insurance coverage in Georgia, their drivers are responsible for all medical costs resulting from accidents they cause while working. This includes:

• Emergency medical treatment
• Hospital stays
• Follow-up doctor visits
• Rehabilitation and physical therapy
• Medications
• Any long-term care needed due to injuries

These costs can quickly add up, potentially leaving drivers with significant financial burdens. This underscores the importance of having adequate personal insurance coverage. If you’re an at-fault driver and your insurance refuses coverage, the victims have a right to sue you to cover their medical costs after an accident.

What Should Drivers Do to Protect Themselves?

Given the lack of coverage from Grubhub, drivers must take steps to protect themselves. Here are some important measures:

• Understand your current policy: Carefully review your personal auto insurance policy. Many policies exclude commercial activities like food delivery.
• Obtain commercial auto insurance: Consider purchasing a commercial auto insurance policy or a personal policy with a rideshare/delivery endorsement. These policies are designed to cover you while you’re working for companies like Grubhub.
• Maintain health insurance: Having good health insurance can help cover medical costs in case of an accident, regardless of whether it occurs while working or not.
• Consider disability insurance: This can provide income if you’re unable to work due to injuries sustained in an accident.
• Drive safely: The best protection is prevention. Always follow traffic laws and practice safe driving habits to minimize your risk of an accident.

What if You’re Injured in an Accident While Driving for Grubhub?

If you’re involved in an accident while driving for Grubhub in Georgia, here are the steps you should take:

1. Seek medical attention: Your health should be your top priority. Call for medical care immediately, even if you feel uninjured at the time.
2. Report the accident: Call the police to report the accident and get an official report filed.
3. Document everything: Take photos of the accident scene, get contact information from witnesses, and keep records of all medical treatments and expenses.
4. Notify Grubhub: Report the accident to Grubhub through their app.
5. Contact your insurance company: Inform your personal insurance company about the accident.
6. Consult with a lawyer: Given the complex nature of these cases, it’s wise to speak with a personal injury attorney who has experience with food delivery driver accidents.

How Can a Personal Injury Attorney Help?

A personal injury attorney in Atlanta can be an invaluable resource if you’re struggling with medical costs after a Grubhub-related accident. An experienced lawyer can help you:

• Understand your rights and options under Georgia law.
• Investigate the accident to determine all potentially liable parties.
• Navigate insurance issues, especially if the at-fault driver’s policy refuses to pay.
• Negotiate with insurance companies on your behalf.
• If necessary, file a lawsuit to seek compensation.

Remember, while Grubhub may not be directly liable in most cases, other avenues exist for seeking compensation. The best way to pursue these is to speak with an attorney.

Conclusion

Grubhub does not provide insurance coverage for drivers in Georgia, but you may still have options if you’re injured in an accident while working. Understanding your rights, maintaining adequate personal insurance, and knowing what steps to take after an accident are crucial for protecting yourself.

If you’ve been injured in an accident while driving for Grubhub, don’t hesitate to seek legal advice. At John Foy & Associates, we understand these types of cases and are here to help. Contact us today to learn how we can help you after a Grubhub accident.