The delivery had an accident, who pays?

The delivery had an accident, who pays? One of the great advantages of new technologies is that they allow us to deliver our business products right to our customers’ doorsteps. It doesn’t matter if it’s food, clothing, jewelry, or appliances. Our customers can be satisfied with just a click on their cell phones.

At least, that’s what Laura thought when she created the pizzeria “La Vita Nuova” in Miami Lake, and a web designer friend developed a platform where customers can request home delivery service for all the products prepared in the restaurant.

“The pizzas arrive hot and frozen ice cream. All homemade,” Laura said. The best part of the idea was that several delivery guys use the application and deliver the orders in their own vehicles. “They charge a tip stipulated in the bill. Everyone wins,” Barbara used to say, who proclaimed herself the UBER Eat of pizzas.

A month ago, one of the delivery drivers had a serious accident with a kiosk while carrying an order. The collision was so severe that the car was declared a total loss. The bills for the surgical operation he underwent are astronomical, and the driver’s auto insurance refused to cover them, arguing that delivery activity is not covered by a conventional insurance policy.

Suddenly, all eyes turned to Laura, who now faces a lawsuit that, by the way, is not covered by her commercial insurance either, as it doesn’t include the delivery vehicles in her business policy.

In conclusion, if found responsible, Laura will have to cover the medical bills and rehabilitation of the driver, replace the damaged car, pay for the damaged property, and also cover the legal fees.

All of this could have been avoided with adequate commercial insurance. If you are doing delivery or have had any brilliant ideas to improve your business, seek advice from your insurance agent. Don’t turn a bright dream into a terrible nightmare. The delivery had an accident, who pays?

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