Grubhub Driver Accident Attorney

As a Grubhub driver, it gets hectic making deliveries, trying to stay on schedule, watching traffic, navigating apps, and maybe squeezing in a break between orders. A car accident only adds to the chaos of being a gig worker, especially when your income stops and you're stuck trying to figure out which insurance, if any, is supposed to cover you.

Driving for Grubhub isn’t a typical job. You’re considered an independent contractor, which means the process after a crash can get complicated fast. You might be wondering if your personal insurance will step in, or if Grubhub offers any real coverage at all.

At The Smith Law Center, we’ve helped hardworking people for over 75 years. We understand how frustrating it can be to deal with companies that don’t make things easy after an accident. 

If you've been injured while driving for Grubhub, contact The Smith Law Center today online or by calling (757) 244-7000 for help with your Grubhub insurance claims. The consultation is free, and you won’t pay anything unless we win your case.

“A first-class and very professional law firm. They were always transparent and communicated on all matters of my case. David and Joan were fantastic and were always there to answer any questions I had. David represented me as if he were in my position, understanding the emotions of everything involving what happened, what I was going through from beginning to end, and was relentless in trying to do what he could for my case. Highly recommend Smith Law Center!”

- J. Russo | Client

Why Grubhub Accident Claims Are Complicated 

If you're a typical driver, your personal auto insurance policy covers you. But when you’re a Grubhub driver, your personal policy likely has an exclusion clause for commercial or business use. This means your insurance company can, and probably will, deny your claim.

Delivering food puts you on the road more often, for longer hours, and in busier areas, all of which increase the chances of something going wrong. And since gig work blurs the line between personal and commercial driving, many insurers require special coverage for it. Unfortunately, a lot of drivers don’t realize this until it’s too late.

If you’ve been in an accident while driving for Grubhub, it’s important to be cautious when dealing with insurance companies. Adjusters may try to minimize your compensation, downplay the seriousness of your injuries, or shift fault onto you. 

At The Smith Law Center, we take over all communication with insurers to protect your rights, prevent costly mistakes, and make sure your claim is taken seriously from the start.

Does Grubhub Cover Accidents for Drivers?

Grubhub insurance coverage is often misunderstood and does not offer nearly as much protection as many drivers expect. While Grubhub does provide a form of coverage, it comes with strict conditions and serious limitations. 

Grubhub’s policy only applies if you were actively using the app and on your way to pick up or deliver an order. If you’re not logged in or just waiting for your next delivery request, their coverage doesn’t apply at all. 

Even when you are on an active delivery, the policy is secondary, meaning it only applies after your personal auto insurance has denied the claim. This is a common situation with Grubhub insurance claims and creates a dangerous gap in coverage.

A nationwide survey by Martindale-Nolo found that over 90% of people who worked with a lawyer received a settlement or award. Yet, only about half of those without legal help walked away with a settlement. This shows just how important legal representation can be in complex Grubhub driver accident claims.

How Does Occupational Accident Insurance Coverage Work in a Grubhub Insurance Claim?

Grubhub offers its delivery drivers injured while on the job making deliveries a separate policy called occupational accident insurance. In the event of an accident, Grubhub’s occupational accident insurance may cover:

• Medical Expenses: This can help with the costs of hospital stays, doctor visits, emergency room care, and physical therapy that result from a work-related injury. 
• Lost Income: If your injuries prevent you from working, the policy may provide a portion of your lost income to help you get by during your recovery.

However, this is not a substitute for a comprehensive auto insurance policy. This type of Grubhub insurance coverage is strictly for injuries sustained by the driver. It does not cover:

• Vehicle Damage: This policy will not pay for any repairs to your car or for a replacement if your vehicle is totaled.
• Liability for Damages or Injuries to Others: It will not cover the medical bills or property damage of another driver or passenger sustained by anyone else in the accident.

After a Grubhub driver accident, you might be caught between your own personal auto policy, the other driver’s insurer, and Grubhub’s occupational accident provider. This kind of back-and-forth can delay your care, block your compensation, and put your financial stability at risk.

At The Smith Law Center, we help Grubhub, DoorDash, Uber drivers, and other gig workers sort out the complicated insurance issues that come after an accident. If you're unsure of what to do next, reach out to us online or call (757) 244-7000. We’re here to make the process easier and fight for the compensation you deserve.

Why You Need a Lawyer After a Grubhub Driver Accident

Grubhub accident cases aren’t simple. You're not just dealing with one insurance company; you could be facing several, all trying to shift the blame or deny your claim.

At The Smith Law Center, we’ve spent decades helping injured drivers, especially those working in gig economy jobs. Here’s how we help:

• Prove You Were On the Clock: One of the biggest challenges in a Grubhub accident claim is proving you were actively on a delivery when the crash happened. This is crucial because Grubhub’s limited coverage only applies if you were en route to pick up or drop off an order. 
• Find Every Source of Compensation: Whether it’s your personal auto policy, the at-fault driver’s insurance, or Grubhub’s coverage, we investigate every option to get you the compensation you deserve. ‍
• Build a Strong Case for You: From police reports and medical records to expert analysis and witness testimony, we gather and present the full picture of how the crash has affected your life.

“Every day is spent preparing for your case. Your goals become my mission.”

- Stephen Smith | Attorney at The Smith Law Center