The period immediately following a delivery accident is the most important window for evidence preservation, medical protection, and keeping your legal options open. Step-by-step guide covering scene documentation, platform identification, medical care, and what to avoid.
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Delivery accident insurance is a layered system: three-phase gig platform coverage, Amazon's DSP and Flex structures, UPS/FedEx self-insurance, dual-app coverage conflicts, and how California Insurance Code § 11580.9 resolves priority disputes.
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How medical liens work, when to use health insurance vs. letters of protection, MedPay coverage, hospital lien law, ERISA subrogation for employer plans, and how to build a complete medical expense record for your claim.
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When delivery driver coverage is insufficient or disputed, UM/UIM coverage on your own policy serves as a critical backstop. Covers when UM/UIM applies, pedestrian and cyclist access, how to make a claim, stacking rules, and common disputes under California Insurance Code § 11580.2.
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California personal injury law divides recoverable damages into economic losses (medical bills, lost wages, future care costs) and non-economic losses (pain and suffering, emotional distress, loss of enjoyment). Covers AB 35 MICRA reforms, punitive damages, and California's pure comparative fault rule.
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