While food establishments are ceasing or strictly limiting dine-in operations, many of us are turning to delivery and takeout services. As a result, companies like Instacart and DoorDash are experiencing an upsurge in business as those sheltering in place rely on contactless food services. But what happens if the delivery drivers for these companies get involved in a car accident? Who is liable for the resulting damages? The delivery driver or the delivery company? Both?
Insurance requirements for food/grocery delivery vehiclesUnder Texas law, drivers are required to have minimum liability insurance to protect themselves if they are responsible for causing a crash. Best known as “30/60/25” coverage, a driver in Texas must have at least:
- $30,000 of coverage for injuries per person.
- $60,000 in coverage per accident.
- $25,000 of coverage for property damage.