Instacart Accidents

Instacart Delivery Accident Lawyers In Maricopa County

Instacart, a popular grocery delivery app, offers the convenience of shopping for food from the comfort of your own home. With its growing popularity, Instacart has experienced an impressive surge in usage, reaching a remarkable 300% increase since 2019. This surge has been further accelerated by the impact of the coronavirus pandemic. As one of the largest and most widely available grocery delivery services in the country, Instacart has established partnerships with renowned retailers such as Costco and Walmart.

According to recent research conducted by Coresight, a significant 36% of adults surveyed in 2019 reported purchasing groceries online within the past year. The U.S. Census Bureau data reveals that the number of online grocery shoppers has skyrocketed to an astonishing 93 million, marking a substantial increase compared to the previous year’s 35 million.

The popularity of Instacart and other grocery delivery services has soared, particularly in major cities like Glendale and Phoenix. However, the rise in the number of food and grocery delivery vehicles also raises concerns about the risk of delivery driver accidents. If you have been involved in a collision with an Instacart driver, our qualified Glendale Instacart accident lawyer is available for a free consultation.

Instacart Accident Insurance: What You Need To Know

Many drivers sign up and agree to the Instacart Independent Contractor contract without fully understanding the extent of accident coverage. Consequently, drivers may be unaware that Instacart does not provide coverage for them in the event of an accident. As per the contract, drivers are required to have all the necessary equipment, insurance, and licenses to perform shopping and delivery services.

Unlike other delivery services like Postmates, Instacart does not offer insurance to cover its contracted delivery drivers while they are on the job. Instead, the company includes a condition in its contracts with employees that requires drivers to maintain valid coverage by Arizona’s auto insurance requirements. This leaves many Instacart drivers responsible for car repairs, medical bills, and other losses. Unfortunately, their insurance is unlikely to cover the accident, and neither will Instacart. In the absence of insurance, drivers may be personally liable for damages. Regrettably, in the event of an accident, Instacart tends to shift blame onto their drivers. The company’s objective is to avoid liability in any collision involving their shoppers.

Instacart Auto Insurance Requirements

When delivering groceries for Instacart using personal passenger vehicles, drivers in Arizona are only required to carry the mandatory minimum auto insurance. It’s important to note that all vehicles in Arizona must be insured at all times by a licensed vehicle insurance company in the state. The insurance policy should provide coverage that meets the minimum requirements. Additional coverage or a commercial insurance policy is not necessary for Instacart drivers.

• $30,000 for bodily injury
• $60,000 for 2 or more people
• $15,000 property damage

While certain insurance policies may offer coverage for Instacart and other delivery drivers during their work, it is important to be mindful of potential exclusions. Some private policies may not provide coverage for accidents that occur while using personal vehicles for business purposes, such as delivering groceries. In the event that private insurance policies do not cover on-the-job crashes and if there is no supplemental coverage from Instacart, delivery drivers may bear full financial responsibility for any damages associated with accidents.

Filing an Instacart Accident Claim In Arizona

Car accidents are a common occurrence in Phoenix for various reasons. However, delivery drivers, including those from Instacart, face a higher risk due to the nature of their work. The demanding task of navigating delivery routes often leads to distractions caused by phone usage or GPS systems, particularly in unfamiliar areas. This distraction significantly increases the likelihood of accidents as drivers divert their attention from the road to check order details.

Instacart drivers, who are compensated per order, often feel pressured to speed or drive recklessly to complete as many deliveries as possible. This pressure to meet delivery deadlines can result in dangerous and aggressive driving behaviors. Some of these behaviors include:

Food delivery accident claims can be intricate, especially when companies like Instacart contend that their drivers are independent contractors rather than employees. Generally, employers are not deemed liable for the negligent acts of independent contractors. However, enlisting the aid of a proficient Instacart accident lawyer in Phoenix can increase your likelihood of securing the highest possible settlement for your accident.