Delivery Drivers and Accident Injuries
Delivery drivers face daily risks on the road, whether they’re transporting food, packages, or goods across Pennsylvania and New Jersey. Also, with the rise of gig economy platforms like DoorDash and Uber Eats, more individuals are turning to delivery work for fast cash, but many don’t realize how complicated things can get if they’re injured in a traffic accident while on the job.
If you’ve been hurt while driving for a delivery service, talk to a Bucks County personal injury attorney about your rights and how to secure the compensation you deserve.
Navigating Insurance and Employment Status
One of the first issues injured delivery drivers face is determining what insurance coverage applies. In both Pennsylvania and New Jersey, the distinction between being an employee or an independent contractor can dramatically impact the benefits available. If you are classified as an employee of a company like UPS or FedEx, you may be eligible for workers’ compensation, which can help cover medical expenses and a portion of lost wages.
Independent contractors, for a service like Instacart or Grubhub, don’t have access to the same employee protections. In those instances, you may need to rely on your personal auto insurance, unless the company provides supplemental coverage while you’re on an active delivery. Some app-based platforms offer limited liability insurance that only applies when you are in transit with an order. Unfortunately, these policies often have coverage gaps that leave drivers unprotected.
Regardless of your employment status, if another party caused the accident, such as a negligent driver who ran a red light, you may be able to pursue a personal injury claim. To build a strong claim, it’s important to gather evidence early. That includes taking photos at the scene, securing a police report, seeking medical attention, and speaking with an experienced injury attorney familiar with state law.
Get the Help You Need
Both PA and NJ are no-fault states, but beyond this base similarity their systems differ. In Pennsylvania, drivers can choose between limited and full tort coverage, which affects their right to sue for pain and suffering. In New Jersey, driver recovery may be limited unless certain criteria are met.
Also, both states follow comparative negligence rules, meaning your compensation may be reduced if you were partially at fault. Legal professionals who are well versed in local law have the skills to protect your rights and push back if an insurance company tries to unfairly assign blame.
If you’re a delivery driver injured in PA or NJ, legal guidance is critical. These cases can involve complex questions of insurance coverage, liability, and employment classification. A knowledgeable Bucks County personal injury attorney can help you understand your rights and pursue every available option for financial relief.
Do you need support after being injured as a delivery driver? Don’t navigate this alone. Reach out to the skilled legal team at Kevin L. Hand, P.C. to discuss your situation and explore how you can recover physically and financially after a delivery-related crash. Call 215-515-2604 today.
