Ray from the Sunset District writes, “I deliver meals for one of the app food companies. Last week, my car was in the shop so I was driving my girlfriend’s new motorcycle when a driver for national package delivery service company pulled out of a driveway without looking and drove right into my path. We collided and I had to go to the hospital for a broken collar bone and some fractured ribs.
The driver claimed I was speeding. At most, I was going slightly over the speed. The driver was not injured but the rear of his van was smashed. His company’s insurance company is demanding I pay for the repair costs. My girlfriend’s motorcycle was a total loss. I have $16,000 in hospital bills.
I found out after the crash that my girlfriend did not have motorcycle insurance. She owns another motorcycle that is insured but hadn’t yet put her new bike on the policy. I have a policy for my car but don’t know if that helps. I asked about my situation on a message board for ride share drivers. One person said I don’t have any coverage under “Prop 213” because the motorcycle was not insured. Another person said I must not tell my insurance company I was delivering meals. What’s the real answer? Aren’t all app drivers covered by the company’s insurance?”
