In the event of an accident during a delivery, the scope of coverage provided by the platform, personal insurance policies, auto insurance, and third-party liability insurance may vary; it cannot be simplified to the notion that “as long as you have an insurance policy, you will be compensated.” The details of coverage, exclusions, notification deadlines, and documentation requirements should be determined based on the valid insurance policy, notifications from the platform, and official explanations from the insurance company.
On a regular basis, organize your insurance policies, vehicle registration documents, and emergency contact information. In the event of an accident, first ensure your personal safety and make the necessary reports, then follow the procedures outlined in your policy and on the platform to document the incident details, including the order of events, time, location, photos, and medical or vehicle repair information.
