How to handle an accident while driving for Postmates

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A 7 step guide on what to do if you are involved in a accident while delivering for Postmates

how to handle an accident while driving Postmates

How Postmates Insurance Works in a Accident?

REMINDER: If you have already signed up for Postmates and have passed the background check, you are officially a "Postmate fleet couriers " (or Postmates Driver). The relationship between Postmates and the independent contractors is regulated by the Postmates Fleet Agreement.

As Postmates Fleet driver, you are required to maintain your own insurance, in the amounts and of types required by law which includes the auto liability insurance.

At this point is important for you to know that Postmates does provide excess auto insurance in excess of your primary personal automobile insurance. You can learn more with our complete guide to Postmates Insurance. Of course, while you are 'offline' or Postmates Fleet app is off, your chosen personal insurance company and coverages apply. The coverages of Postmates insurance, come into effect during the period from the time you accept a delivery request until the time the delivery has been completed as logged in the Postmates app. In any case Postmates Insurance will not cover:

  • Damages sustained to your vehicle in an auto accident
  • Personal injuries and property damage such as bicycle/phone damage.

The coverage of Postmates Insurance include:

  • Excess Automobile Liability: $1,000,000 per accident limit for bodily injury and/or property damage to third parties. Coverage is excess of your personal automobile liability insurance policy.
  • General Liability: $1,000,000 limit, covering cyclist and pedestrian couriers for third party bodily injuries and/or property damage to third parties.

 What to do after a Postmates Car Accident:

  1. STOP
  2. ENSURE EVERYONE IS SAFE AND PROTECT THE SCENE
  3. CALL THE POLICE 911
  4. RECORD THE ACCIDENT AND TAKE PICTURES
  5. COLLECT THE INSURANCE POLICY INFORMATION
  6. REPORT THE ACCIDENT TO POSTMATES
  7. CALL YOUR INSURANCE COMPANY

#1 STOP

Some of the most common car accidents are minor and do not involve injuries. However, the collisions can still result in minor property damage to the cars. Never drive away from the scene of an accident, even a minor one.

#2 ENSURE EVERYONE IS SAFE AND PROTECT THE SCENE

Often after a car accident we run to verify the conditions of our vehicle, it is normal. But cars and motorcycles are almost always repairable, while it is important to check that nobody, even from the other party, has hurt themselves. It must be verified that no one needs medical care, in the event of an accident with wounded the absolute priority is to give them help.

#3 CALL THE POLICE 911

If the incident has not had physical consequences for any of the parties involved, it is not necessary to request the intervention of the Police and it is necessary to provide as soon as possible to clear the roadway. In some case, you may need a police report to file a claim with your insurance company, even if it is just to make a claim for damage to your vehicle. If you are involved in an accident with serious damage to property or people, the vehicles should not be moved.

#4 RECORD THE ACCIDENT AND TAKE PICTURES

If you have been the victim of a traffic accident, the photographs can be a very important proof in your claim. The photographs of the accident scene:

  • Tell of dynamics
  • Are clear evidence of material damage and injuries found
  • Help you remember and reconstruct the scene of the accident

#5 COLLECT THE INSURANCE POLICY INFORMATION

At the accident scene one of the most important things to do is to exchange contact information with the other driver and to also obtain the other driver’s insurance information.

#6 REPORT THE ACCIDENT TO POSTMATES

You need to report your accident to Postmates as soon as possible. Complete the Postmates Incident and Accident Report Form and send an email with all relevant details at protection@postmates.com.

#7 CALL YOUR INSURANCE COMPANY

You need to immediately report any accident in which you are involved to your insurance company. Failing to report an accident to your insurance company may result in significant complications or penalties down the road.

How to prevent a Car accident

Before listing the methods to avoid road accidents, I want to remind you that, unlike Doordash drivers, Postmates Fleet couriers are not subject to 'Performance Ratings'. If you are interested, you can take a look at our Postmates Ratings Guide.

Finally, following these tips you can avoid a traffic accident with all its consequences.

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