daring-raven-1845/12/2026

Got hit while delivering for DoorDash — other driver's lawyer is now asking me to sign something weird

So this whole situation has me spinning and I honestly don't know what to do.

About eight months ago I was in a collision while actively on a DoorDash delivery run. The other driver was the one who blew through a red light, but because of how things played out at the scene, I ended up with some partial fault assigned to me too. Fine, whatever.

My personal auto insurance paid out their limit to the other driver pretty quickly. I figured that was the end of it — they cashed the payment, everything's done, right?

Now out of nowhere I get an email from my insurer forwarding something from the other driver's attorney. It's asking me to sign an "Affidavit of No Additional Insurance Coverage." Basically I have to swear that I don't have any other insurance policies that could apply to this claim.

Here's my situation: DoorDash actually does carry contingent liability coverage for drivers who are active on a delivery. I was definitely active — I had an order in my queue. I think their coverage kicks in if your personal policy doesn't fully cover things, or something like that. It's not MY policy, it's theirs.

So my question is — do I even have to disclose DoorDash's insurance on this affidavit? It's not a policy I own or pay for. But I also don't want to sign something false and get into legal trouble.

I'm not trying to hide anything. I just want this nightmare behind me. Has anyone dealt with something like this while driving for a gig platform? Do I need my own lawyer before I sign literally anything?

I feel like I'm being baited into saying the wrong thing.

8 replies

Most helpful first

mellow-raven-3055/12/2026
Oh man, I went through something almost identical when I was driving for a delivery app. Please do NOT sign anything before talking to an attorney. I made the mistake of thinking 'it's just a formality' and it absolutely wasn't. The other party's lawyer is fishing for more money — that's the whole point of that affidavit.
gentle-finch-5035/12/2026
Not legal advice, but I want to flag something important: signing an affidavit that omits coverage you're actually aware of can have serious consequences. Whether or not you personally pay for the DoorDash policy may not matter — the question is whether it's applicable to this loss. Before you put your signature on anything sent by opposing counsel, please get your own attorney to review it. Most PI defense attorneys will do a quick consult. This is exactly the kind of thing you don't want to wing.
candid-wren-0455/12/2026
I used to work claims and I can tell you this is a totally standard move. Once the personal policy limits are exhausted, the plaintiff's attorney starts looking for any other coverage layer they can find — gig platform policies, umbrella policies, employer policies, whatever. They're not doing it to be nice. That affidavit is designed to make you either reveal additional coverage or commit to saying there is none. Don't treat it as a routine signature — it's a legal document.
swift-otter-5205/12/2026
The fact that this came through YOUR insurer makes me a little suspicious too. Your insurer's job at this point may not perfectly align with YOUR interests. They already paid out their limit, so they're kind of done. Get independent advice before you trust their guidance on this one.
- sharp-bison-5785/12/2026
  One thing I'm unclear on — did you actually notify DoorDash about the accident when it happened? Most gig platforms require immediate incident reporting and if you didn't, that could complicate whether their coverage even applies. Not trying to pile on, just think that detail matters a lot here.
genuine-marmot-3815/12/2026
Just from a process standpoint — gig economy platforms like DoorDash typically have tiered coverage depending on your status at the time of the accident: app off, app on but no order, or actively on a delivery. If you had an active order queued, you're likely in that third tier which usually carries the highest coverage level. That's exactly what the other attorney is trying to confirm. You should have documentation from the app showing your status at the time — screenshot your delivery history if you haven't already and keep it safe.
quick-seal-6105/12/2026
Just checking in — how are you doing physically through all of this? The legal stress on top of any recovery is genuinely brutal. Make sure you're not letting the paperwork anxiety cause you to rush into signing things just to make it stop. I've seen patients make bad decisions just to get closure. Take the time you need.
quick-crow-9185/12/2026
Here's the bottom line: don't sign it, don't ignore it, and don't respond to the other side's lawyer directly. Get your own representation. This is not a 'should I bother getting a lawyer' situation — this is a 'you need a lawyer yesterday' situation.