If you deliver food for Instacart, DoorDash, UberEats, or any other comparable company, you might be wondering what happens if you are hurt while doing so. Workers’ compensation would not cover you because you are not a legal employee of the firm. Does this mean that all injuries must be paid for out of pocket or by your own health insurance?
Continue reading to learn what to do if you get into a car accident, a slip and fall accident, or any form of accident while delivering food for a living. Then call 909-982-0707 to schedule a free legal consultation with Law Offices of Fernando D. Vargas.
Every business has its own set of policies
There are a variety of firms for which you might work in this position, and each one has its own set of procedures for dealing with these issues. If you have particular questions about a corporation, you may contact them directly or schedule an appointment with an attorney. Today, though, we will take a look at Instacart to see what its policies are. They are one of the most well-known grocery delivery services.
Instacart’s contract specifies that their customers are not employees
Anyone who shops for Instacart must sign an independent contractor agreement stating that they are self-employed service providers. Employee benefits, such as workers’ compensation and disability, are not available to them. The agreement also states that workers are responsible for obtaining their own workers’ compensation or disability insurance if they so want.
Shopper Injury Protection Insurance is available via Instacart
Instacart began offering harm protection insurance as a service to their customers in 2019. This is part of their “Shopper Perks Program,” as they call it. This is a complete policy that covers up to one million dollars in medical expenditures, disability, and survivors’ benefits for all full-service shoppers.
While this may appear to be comparable to workers’ compensation, it is not the same. Workers’ compensation is a no-fault insurance policy that does not require the worker to establish that their injury was caused by someone else’s negligence. Damage protection insurance operates in the same way as other insurance policies: the consumer must submit a policy, and the insurance company will determine if the injury is covered and how much should be paid out.
Have You Been Injured While Driving for Instacart? Please contact us right away.
If you were hurt while traveling to or from an Instacart job, or if you were harmed while working for Instacart on the property of an individual or a shop, please call Law Offices of Fernando D. Vargas at 909-982-0707. We’ll be happy to give you with a free consultation.
