The COVID-19 pandemic had various unforeseen consequences including that it made delivery services much more popular. This means that each day, a large number of delivery drivers head out on the roadways. While this means that a large number of people get food more conveniently, it also means that the chances of car accidents increase substantially, If you end up in a car crash with a delivery driver, it is important to understand that you have a right to pursue compensation.
If you end up in an accident with a delivery driver, it is important to understand that you have a right to pursue compensation. Obtaining the payment you deserve for your losses can be challenging, however. Many times, it is possible to both file a claim against the responsible driver’s insurance policy as well as the delivery driver’s employer. Other complex issues arise when these accidents occur. The following are just some of the most important factors that you should consider after crashes involving delivery drivers.
What Type of Delivery Driver is Involved?
Missouri is classified as an “at-fault” state, which means that an accident victim will pursue compensation from the negligent driver’s insurance carrier. Before you file a compensation claim, however, you will need to assess the driver’s relationship with the company for whom the driver was working at the time of the crash. Consider the following categories:
- Employees. If a delivery driver is classified as an employee, the driver’s employer is often liable for negligence committed while the driver is on the job. As a result, many employers of delivery drivers have substantial insurance coverage.
- Independent delivery partners. Many larger companies rely on delivery partners. Third-party delivery partners help big companies avoid liability in many cases. If a driver employed by an independent delivery partner plays a role in causing an accident, the victim pursues compensation from the delivery partner.
- Gig workers. Various services like GrubHub and UberEats have become common. These companies all have different approaches regarding their drivers, who are gig workers. While some companies protect their drivers to a great degree, other companies do not provide any insurance coverage for their drivers or the damages they may cause.
If you end up in a car crash with a delivery driver, it is important to understand that you have a right to pursue compensation.
The first step towards pursuing compensation following a car crash with a delivery driver is understanding your rights and the process of filing for damages. If you are injured as a result of negligence or recklessness on behalf of another person, then you may be entitled to seek financial recovery from them.
You Might Have Personal Options to Cover Your Damages After a Car Crash With a Delivery Driver
Options might exist with your own insurance carrier to pursue compensation. Consider the following two potential options:
- Personal injury protection is no-fault insurance coverage that is required in Kansas that helps to cover both lost wages and medical bills incurred by an accident. Every automobile policy in Kansas contains this coverage. Similar coverage, which is called medical payments coverage, exists in Missouri, but this coverage in Missouri is optional and can be purchased for a nominal amount. We recommend that all drivers maintain adequate medical payments coverage, bodily injury liability coverage, uninsured coverage, and underinsured coverage (all of which have been explained in prior blogs).
- Uninsured and underinsured motorist coverage can also help prove helpful. This type of insurance can cover your losses when the delivery driver who caused your accident ended up causing a multiple-vehicle crash. All drivers in Missouri and Kansas must carry uninsured motorist coverage with coverage limits that are set at $25,000 per person and $50,000 per accident.
The Basics: What You Need To Know About Pursuing Compensation How Much Does It Cost to Hire A Personal Injury Lawyer?
Personal injury lawyers charge different rates depending upon where they practice law. Some personal injury attorneys work out-of-pocket while others accept contingency fees which means they get paid only after winning money for clients. In addition, some personal injury lawyers take cases on a pro bono basis meaning they do not receive any payment at all. There are also hourly fee personal injury lawyers who bill by the hour.
Obtain the Assistance of an Experienced Car Crash Attorney
One of the most important issues that you can decide following a car crash in which an attorney will help you pursue the results you deserve. If you need the assistance of an experienced attorney, do not hesitate to contact House Law LLC today to schedule a free case evaluation.