Delivery drivers bring hot meals and groceries to people’s homes. They also close the gap between when people order online and when companies can realistically deliver those products.
There are countless delivery drivers on the modern roads, including many professionals operating branded delivery trucks. These large commercial vehicles may require special licenses and can be more difficult than traditional passenger vehicles to drive. There are also many others who only moonlight as delivery drivers and use their own vehicles.
Any of those drivers could theoretically cause a crash. How can people cover their losses after a collision caused by a delivery driver?
Insurance may be available
Typically, liability insurance coverage is the first line of defense when a driver causes a crash. For independent contractors driving part-time for big companies, supplemental insurance may be necessary. Commercial insurance on a personal vehicle used for delivery purposes can help cover the costs generated by a crash.
When a driver is an employee of a big company or a third-party contractor providing delivery services to a bigger company, their employer may be liable for the cost of the collision. In those cases, there is typically commercial insurance available. When total losses exceed the amount of insurance available, it may also potentially be possible to file a lawsuit against the driver, their employer or another party with partial fault for the crash.
Reviewing collision circumstances with a legal professional can be helpful for those concerned about their expenses. An attorney can help injured people understand insurance coverage and determine if a lawsuit might be an option after a semi-truck crash.