Good evening. Has anyone had any claims against Instacart drivers responsible for auto accidents? From my research, Instacart does not insure their drivers. But I’m also thinking that there has to be some sort of recourse in these situations—similar to Uber/Lyft claims.

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Instacart provides excess coverage. At least that’s what they sent me in response to a letter of rep.

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This is my understanding as well I still try to find the 3-4 cases we have or have had

Insurer will be on accident report if there is one. If not, file suit and find out that way. With Amazon, the drivers use vehicles leased by an Amazon entity from some other company (which registers the vehicle). When driver is negligent, sue him and the employing Amazon entity(ies) under RS. Not sure how Instacart works but I assume drivers have to have their own car insurance and use their own vehicles, in which case it’s just a standard RS scope of employment scenario. They’ll claim he’s not an employee because blah blah blah.

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In addition to alleging RS, your jx may have scenarios in which ICs impute liability, ratification, duty by contract (unlikely and plaintiff probably not 3rd party beneficiary, duty by statute, etc. These companies definitely have multiple levels of policies that are implicated at least to defend if you plead right. Spoliation as well

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