Once found only at pizzerias, food delivery is becoming more popular for all sorts of restaurants. However, with more food delivery drivers on the road, there is a risk that more accidents might result from collisions with other drivers. A delivery driver might crash into your car while rushing to perform a delivery so they can hurry up and perform another one.
Liability and Insurance
After a collision with a food delivery driver, you will need to prove that the driver was negligent to be entitled to compensation for your injuries. However, the driver will need to purchase separate insurance to cover them. If the driver does not have this type of policy, you may need to pursue one of two options.
Under your insurance policy, you may be able to file a claim if you have coverage for underinsured drivers. The other option is to file a claim against the driver personally.
The Problem with Filing a Claim Against the Driver
To file a claim against the driver, you will need to be able to collect damages if the driver is found to be negligent. Many delivery drivers do not have the assets necessary to pay for damages even if you garnish wages or liquidate tangible assets. However, you may be able to collect damages from the delivery company.
Delivery Company Insurance
While some delivery drivers work directly for the restaurant, other drivers work for a third party who transports the food for a fee. Many of these third-party delivery companies offer insurance to their drivers and will compensate you if you are injured as a result of the accident.
However, you will need to prove that the other driver was at fault for the accident. The best way to do this is to work with an auto accident injury attorney. While you could try to prove that the other party is liable yourself, this would require access to information that would be difficult to access if you are not an attorney.
What to Do After the Accident
After you have contacted the police and have received medical treatment, you might want to file a claim with your insurance provider. If you win your case, the insurance provider will be reimbursed. You will want to contact an auto accident attorney as soon as possible so they can arrive at the scene of the accident and gather evidence to support your claim.
If you were in a car accident, contact a local auto accident lawyer to get help.