Delivery Cyclist Accidents: Uber Eats, DoorDash & More
Delivery cyclists face unique hazards. Learn about workers' comp, insurance, and liability issues.
2023-09-18 • 6 min read
deliverygig economyworkers comp
The gig economy has created millions of delivery cyclists. When accidents happen, unique legal questions arise about coverage and liability.• No workers' compensation • No employer liability coverage • You're on your own for injuries • Usually only while on active delivery • Low limits • May require specific enrollment • Drivers who hit you • Property owners for premises hazards • Others responsible for your injuries • Independent contractor status • Terms of service waivers • No direct control over safety • Negligent route suggestions • Pressure to violate traffic laws • Defective app causing distraction • Document you were on active delivery • Report to app immediately • Get separate police report
The Gig Economy Problem
Delivery apps classify cyclists as independent contractors, not employees. This means:
Insurance Options
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Personal Health Insurance Your primary coverage for injuries.
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Your Auto UM/UIM May cover you while cycling (check policy).
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App-Provided Coverage Some apps provide limited accident coverage:
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Commercial Cycling Insurance Available but rarely purchased.
Third-Party Claims
You can still sue:
App Company Liability
Generally difficult to hold apps liable because:
However, some claims are possible:
Documentation Tips
- Screenshot delivery when accident occurs
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