DoorDash, Uber Eats and Grubhub Delivery Driver Accidents in Louisville

• Personal policy exclusions. Many personal auto policies exclude or limit coverage when the car is used to deliver goods for pay.
• App coverage depends on timing. The companies advertise third-party liability coverage, but it generally applies only while the driver is on an active delivery, and often only after the driver’s own insurance.
• Independent contractors. The apps treat drivers as contractors, not employees, which affects whether the company itself can be sued.
• Proof. You may need app data to show the driver was picking up or dropping off an order at the moment of the crash.

Kentucky’s rideshare insurance statute covers drivers who carry passengers for Uber and Lyft. Food and grocery delivery is handled differently. See our rideshare injury lawyer page for passenger trips.

• Unless you rejected it in writing, your own PIP (personal injury protection) coverage pays up to $10,000 of medical bills and lost wages regardless of fault. See how Kentucky PIP works.
• The delivery driver’s personal auto insurance, if it doesn’t exclude the trip.
• The delivery company’s policy, if the driver was on an active delivery when the crash happened.
• Your uninsured and underinsured motorist coverage if the driver’s coverage is denied or too small (KRS 304.20-020). See underinsured motorist claims.
• A restaurant or store rarely, but possibly, if its own employee was driving.

• Rear-end crashes while the driver looks at the app. See rear-end collisions.
• Sudden stops, U-turns and illegal parking to grab an order
• Crashes in parking lots and apartment complexes. See parking lot accidents.
• Pedestrians and cyclists hit near restaurants. See pedestrian accidents and bicycle accidents.
• Scooter and e-bike couriers. See e-bike accidents.

• Photos of the car, including any delivery bags, stickers or phone mounts
• The driver’s name and which app they were driving for
• Screenshots of any order the driver mentioned, and the time of the crash
• The police report number
• Witness names and phone numbers

We ask the delivery company to preserve trip logs, GPS data and the driver’s app status. That data can disappear if no one asks for it.

If you were hurt while delivering, your own PIP, the app’s coverage for drivers and a claim against the at-fault driver may all be available. See delivery vehicle crashes and app-based delivery driver claims.

Most Kentucky motor vehicle injury claims must be filed within two years of the crash or the last PIP payment, whichever is later (KRS 304.39-230). To recover pain and suffering from an at-fault driver, Kentucky’s no-fault law generally requires more than $1,000 in medical expenses, or an injury such as a fracture, permanent injury, permanent disfigurement or permanent loss of bodily function (KRS 304.39-060). Estimate your dates with our statute of limitations calculator.