The Gig Worker Problem
Rideshare and delivery companies classify you as an "independent contractor" - which means you typically CAN'T file workers' comp through them. But if another driver caused your accident, you absolutely have a personal injury claim against them. And if you were also working a W-2 job at the time of your gig work, it gets even more complicated.
Platforms We Help
Uber Drivers
UberX, UberXL, Uber Eats, Uber Connect
Lyft Drivers
Standard, XL, Lux rides
DoorDash
Food delivery drivers
Instacart
Grocery shoppers & drivers
Grubhub
Food delivery drivers
Amazon Flex
Package delivery drivers
"Gig workers often think they have no options after an accident because they're 'independent contractors.' That's not true. If another driver hit you, you have a personal injury claim against them regardless of your employment status. And here's the key: just because a company calls you an independent contractor doesn't make it legally true. The court looks at control over the work, not labels. Call me - your situation may be better than you think."
The Coverage Confusion
Here's what makes gig worker accidents so complicated:
- No traditional workers' comp - Uber, Lyft, and delivery apps don't provide workers' comp because they classify you as a contractor
- App-provided insurance varies - Coverage depends on whether you were online, had a passenger, were en route, etc.
- Your personal auto policy - May have exclusions for commercial use
- Third-party claims - If another driver was at fault, you can pursue them directly
When You May Have Multiple Claims
Some gig workers DO have workers' comp coverage - and don't even know it:
- Dual employment - If you were doing gig work while also clocked in for a W-2 employer (making a delivery during your regular job), you may have workers' comp through that employer
- Misclassification - Some courts have ruled that gig workers ARE employees, which could open workers' comp claims
- Third-party claims - Always available if another driver caused your crash
What to Do After a Gig Worker Accident
- Screenshot your app status - Were you online? On a delivery? This matters for insurance
- Get the other driver's info - Insurance, license, contact information
- Report to the platform - Uber, Lyft, etc. have in-app accident reporting
- Document everything - Photos, witness info, police report
- Don't give recorded statements - To any insurance company without legal advice
- Call us - We can help sort out which claims you have
Why Gig Workers Need Specialized Help
Your situation doesn't fit neatly into "workers' comp" or "personal injury" boxes. You need someone who understands both worlds.
Attorney Cardamone focuses on workers' comp, including the complex scenarios where gig work overlaps with traditional employment. When you also have a third-party claim against another driver, we coordinate with top Personal Injury attorneys to maximize your total recovery.
Two specialists working your case - not one lawyer trying to do everything.