Delivering for DoorDash and got hurt? You've probably heard about the DoorDash "occupational accident policy." Here's what it is, what it covers, and the important recovery options it doesn't tell you about.
What DoorDash's Occupational Accident Insurance Covers
DoorDash offers Occupational Accident Insurance (OAI) for Dashers who are injured while actively making a delivery. Coverage can include limited medical expenses, a portion of lost income, and a fixed accidental-death and dismemberment benefit — all subject to the terms, caps, and waiting periods of the private policy.
Crucially, OAI generally applies only during an active delivery window and comes with limits that a true workers' comp claim does not have.
What It Leaves Out
- Pain and suffering — OAI does not pay it. A third-party claim can.
- Full lost wages — OAI pays a limited percentage, often capped.
- The misclassification question — OAI is offered instead of comp on the assumption you're a contractor. That assumption is challengeable.
Don't Stop at the Policy
If another driver caused your crash, you likely have a third-party claim against them no matter your employment status. And if you were functioning like an employee, you may be able to pursue workers' comp despite the 1099. Have it reviewed before you accept the occupational accident policy as your only option.
Frequently Asked Questions
Does DoorDash's occupational accident insurance cover pain and suffering?
No. Occupational accident insurance does not pay pain and suffering. A third-party claim against the at-fault driver can.
When does DoorDash OAI apply?
It generally applies only while you are on an active delivery, and it is subject to the caps and waiting periods in the private policy.
Injured Delivering for DoorDash?
Speak with a Certified Workers' Compensation Specialist about your options as a gig or delivery worker. Free, confidential consultation. No fee unless we win.
(215) 206-9068