Courial's Insurance Policy

Overview:

Courial provides third-party auto liability insurance for our Courials during the "Delivery Service" period. According to our Independent Contractor Agreement, Courials must also maintain primary auto insurance with minimum limits as required by local law.

Delivery Service Period:

The Delivery Service Period starts when a Courial accepts an order via the Courial App and continues until the order is marked as delivered, unassigned, or canceled. If the Courial is online but has not accepted an order, their auto insurance is considered primary.

Conditions for Coverage:

For coverage to apply, the following conditions must be met:

1. The Courial is deemed liable for damages or injuries to another party while in the "Delivery Service" period.
2. A claim has been submitted to the Courial's auto insurance policy, and the claim has been denied, accompanied by a coverage denial letter.

Important Notes:

• Damages to the Courial's vehicle are the responsibility of the Courial and should be addressed through their auto insurance carrier.
• All coverages are subject to the terms, conditions, limitations, and exclusions of the policy, in accordance with local laws.

Filing an Insurance Report:

To report an auto accident, please email support@courial.com with the accident details and a copy of the police report. The email should include the following information:

1. Full name, phone number, copy of driver’s license, and address of the Courial.
2. Make, year, and model of the Courial's vehicle.
3. Full name, phone number, copy of driver’s license(s), and address of all third parties involved.
4. Make, year, and model of all vehicles involved.
5. Location (full address) with notable cross streets of the accident.
6. Photos of the accident and vehicle damage.
7. Date and time of the accident.
8. Copy of the Courial's insurance policy.
9. Copy of the insurance policies of all drivers involved.
10. Detailed description of the incident.
11. Statement of any injuries sustained by the Courial or third parties.
12. Statements from any witnesses to the accident.