⚠️ Insurance Journal reports 58% of gig delivery drivers lack adequate accident coverage.
Atlanta DoorDash & UberEats Accident Lawyer
Atlanta's dense population and restaurant scene make it a major market for food delivery apps. When DoorDash, UberEats, Grubhub, or Instacart drivers cause accidents, victims face complex insurance coverage gaps that require experienced legal guidance.
The Gig Worker Insurance Gap
Personal auto policies typically exclude commercial delivery activity. Insurance Journal research shows 58% of gig workers don't have proper commercial coverage. When their personal policy denies the claim, you may be left pursuing the delivery company.
Company Liability Periods
- Period 1 (app on, no order): $50,000 liability limit
- Period 2 (order accepted, en route to pickup): $1M coverage
- Period 3 (food in vehicle, delivering): $1M coverage
- Off-app: No company coverage whatsoever
Georgia's Comparative Fault Rule
Under Georgia Code O.C.G.A. § 51-12-33, you can recover if you're less than 50% at fault. DoorDash and UberEats frequently argue victims contributed to accidents to reduce their exposure.
Proving the Driver Was Working
Company coverage only applies when drivers are actively on deliveries. Yan attorney in our network must subpoena app records showing order status, GPS location, and delivery timing at the moment of the crash.
Settlement Ranges
- Minor accidents with soft tissue: $10,000-$35,000
- Moderate injuries requiring treatment: $35,000-$100,000
- Serious injuries with surgery: $100,000-$300,000
- Permanent injuries: $300,000-$1M+
Independent Contractor Defense
Gig companies claim drivers are independent contractors to avoid liability. However, California's Dynamex/ABC Test rulings and similar lawsuits are challenging this classification nationwide.
✅ Hit by a food delivery driver in Atlanta? Call (773) 839-6086 for a free consultation.