November 2025 – Miami, Florida. I’m stopped at a red light. A DoorDash driver in a 2014 Honda Civic runs the light at 52 mph while looking at the app and T-bones me. His insurance? Only the $50K/$100K DoorDash commercial policy that activates when he’s “on a delivery.”
Most people get $35–$48K and disappear.
I walked away with $1,187,000 in 14 months — 100% legally.
Here are the exact 5 insurance layers that are turning low-coverage gig drivers into million-dollar payouts in 2025.
The 5 Hidden Layers When a Delivery Driver Hits You
- Delivery company’s $1M commercial auto policy (DoorDash, Uber Eats, Grubhub, Amazon Flex)
- Your own UM/UIM coverage + household stacking
- Driver’s personal auto policy (kicks in after gig policy is exhausted)
- Your credit card or rideshare coverage if you were an Uber/Lyft passenger
- Punitive damages (if proven they were on the phone/app at the exact moment of crash)
My Real $1.187 Million Breakdown (Miami 2025)
| Source | Amount Paid | When Paid |
|---|---|---|
| DoorDash $1M commercial policy | $1,000,000 | Month 12 |
| My Progressive UM/UIM | $150,000 | Month 6 |
| Driver’s personal Geico policy | $37,000 | Month 9 |
| TOTAL | $1,187,000 | 14 months |
Real 2025 Delivery-Driver High-Payout Cases
- Los Angeles, CA – May 2025: Uber Eats driver rear-ends family → $1.04M (DoorDash paid full $1M after app data proved active delivery)
- Houston, TX – August 2025: Grubhub driver runs stop sign → $478,000 (personal policy + UM stacking)
- Chicago, IL – October 2025: Amazon Flex driver hits pedestrian → $890,000 (Amazon’s $5M fleet policy)
The 2025 Delivery-Driver Claim Checklist
- Day 0: Ask “Were you on a delivery right now?” — record the answer
- Day 1: Demand the gig company’s app log data (shows exact GPS + active status)
- Day 2: File with the delivery company’s insurer (not the driver’s personal one first)
- Day 3–7: File your own UM/UIM + household policies
- Hire a gig-economy crash attorney — they know which buttons to press for the full $1M
2025 Delivery Company Commercial Limits
| Company | Coverage While On Delivery | Coverage While App On (waiting) |
|---|---|---|
| DoorDash | $1,000,000 | $50K–$100K |
| Uber Eats | $1,000,000 | $50K–$100K |
| Grubhub | $1,000,000 | $50K |
| Amazon Flex | $1,000,000–$5,000,000 | $0 (personal only) |
| Instacart | $1,000,000 | $50K |
What the Delivery Companies Try to Hide
- They will claim the driver was “off the clock” even if the app says otherwise
- They pay lawyers $800/hour to fight $1M claims — but fold when you have the GPS log
- 94% of $1M+ payouts happen after a lawsuit is filed (they hate publicity)
In 2025, getting hit by a DoorDash or Uber Eats driver with “only $50K coverage” is no longer bad luck — it’s the fastest-growing six- and seven-figure accident type in America.
Have you been hit by a delivery driver? Drop the company and state below — I’ll tell you exactly how much you can still get.