Beginning January 1, 2023, all CareDrivers except those in Washington and California will be enrolled in Occupational Accident insurance.
Generally, occupational accident insurance covers medical expenses and lost income for independent contractors resulting from injuries suffered while performing services with the HopSkipDrive app and helps to reduce the financial impact on you and your family.
Coverage does not apply where the CareDriver is engaged in personal activities.
Coverage includes:
Accidental Death: |
$250,000 Maximum Benefit |
| Accidental Dismemberment: | $250,000 Maximum Benefit Commencement Period 365 Days |
| Accident Medical Expense: | $1,000,000 Per Person/Accident $0 Per Accident Deductible 104 Week Payment Period |
| Pre-Existing Conditions: | No Exclusion or Sub-Limit |
| Temporary Total Disability | 70% of Average Weekly Earnings up to $500 Maximum Weekly Benefit minus Other Income Benefits 7 Day Waiting Period (non-retroactive) 104 Week Payment Period |
| Combined Single Limit: | $1,000,000 Per Person |
Below you'll find answers to some common questions about Occupational Accident insurance.
How do I sign up for occupational accident insurance?
Beginning Jan. 1, 2023 all CareDrivers outside of California and Washington are automatically eligible for this occupational accident insurance coverage when they are logged into the HopSkipDrive application and either on their way to pick up a Rider or while transporting a Rider. Find more information about California and Washington.
Do I need to pay for occupational accident insurance?
No, there is no cost for CareDrivers.
How do I report a claim?
If you are involved in an auto collision, contact our Safe Ride Support team immediately at 844-HOP-SKIP. If your injury resulted from any other incident, contact our Support team at driversupport@hopskipdrive.com to report the incident. In both cases, our teams will collect information about the incident and will work with our insurance provider to set up a claim.
How does Occupational Accident insurance differ from HopSkipDrive auto liability insurance?
The auto liability insurance policy covers third-party bodily injury and property damage from covered collisions you are found to be at fault for. It also includes uninsured motorist coverage but does not cover benefits available to you under Occupational Accident insurance such as medical expenses and disability payments that result from a covered accident.