SPOIL ALERT

If you want to really spoil your day get in an accident while driving for Lyft, Uber, Jimmy Johns or any of the other food service restaurants and not have the right insurance endorsement.

Recently one of our clients was rear-ended by a driver who had insurance with Progressive Insurance. Or so he thought. But, because he had not advised Progressive and secured an endorsement for commercial coverage, Progressive denied the claim under a commercial exclusion clause.

DOUBLE SPOIL ALERT

And here is the part of this story that would really spoil your day. In Iowa, and in most states, if at the time of a collision (an accident) you do not have insurance coverage you lose your driver’s license until you either pay for the damages or prove you had insurance.

Which means, when your coverage for the accident is denied, the first thing the injured person’s lawyer does is flag the DOT about your lack of coverage.

With the proliferation of ride-sharing and food-delivery services insurance adjusters take statements and ask the questions about the purpose of the trip. Unsuspecting insureds think they will be alright saying they were on a delivery. NOT!

LET’S NOT SPOIL OUR DAY

How many ride-sharing companies are there? Here are the top six. Uber, Lyft, Via, Gett, Curb and Ztrip

How many food delivery services are there? There are many ways to get involved with food delivery services, but the top nine according to Lifewire are: Seamless, Postmates, GrubHub, Delivery.com, Eat24, OrderUp, Munchery, Caviar and DoorDash.

Steve Lombardi
Iowa personal injury, workers' compensation, motorcycle, quadriplegic, paraplegic, brain injury, death
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