Question about DoorDash and a Car Accident
I was making an active DoorDash delivery when I was rear-ended by another driver who was fully at fault while I was stopped in traffic. The other driver, who was delivering for UberEats, was using their phone at the time of the crash. I don’t have business insurance—just a standard personal auto insurance policy. The other driver had insurance as well, so after the police report was filed, I left the scene.
I’ve seen online advice warning against mentioning that I was DoorDashing to my insurance company, so when I was asked during the recorded statement, I said no. Now, I’m starting to worry that I could be accused of insurance fraud, and I’m really scared. Is there any way I can call back and change my statement since it was less than an hour ago? I just want to make sure I’m not in trouble; I’m not worried about the extra cash anymore.
It’s understandable to feel worried about this situation. First, it’s important to know that honesty is crucial when dealing with insurance companies. However, since you’ve already provided a recorded statement, it may be a bit tricky to change what you’ve said.
Here are some steps you can consider:
Contact Your Insurance Company: Call your insurance company as soon as possible and explain the situation. Let them know that you were on a DoorDash delivery at the time of the accident. It’s better to clarify things now rather than wait, as insurance companies value transparency.
Document Everything: Keep a record of all communications you have with your insurance company going forward. This includes dates, times, and the names of representatives you speak with.
Consult an Attorney: If you’re really concerned about potential repercussions, it might be beneficial to speak with an attorney who specializes in insurance claims or personal injury. They can provide guidance on how to handle your specific situation.
Don’t Worry Too Much: It’s possible that your insurance company could still cover the damages even if you were delivering for DoorDash. Many personal insurance policies have provisions for accidents that occur while driving for rideshare or delivery services, but this can vary based on your specific policy and state laws.
Taking the proactive step to address the situation with your insurance company is likely the best course of action. Good luck, and hopefully, it will all work out for you!