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Accident Insurance Claims When Injured Making Deliveries or Injured by a Delivery Driver

November 18, 2020

According to, if you or a loved one plans on making any deliveries using a personal automobile, you should contact your automobile insurance company and review your car accident insurance coverages first.

The coronavirus pandemic has created a massive demand for home delivery services and a lot of retailers, restaurants, and other companies are seeking delivery drivers to deliver their products to local customers.  Many licensed drivers are taking advantage of these opportunities to earn a living or to earn extra money as a part-time delivery driver.  In most cases, the delivery driver will use their own personal car.  If you or a member of your family is looking to earn income as a delivery driver while using a personal motor vehicle, there are important car accident insurance coverage issues to consider and address.

Some states and insurance companies have put into place temporary and permanent changes to accommodate the emergent needs of delivery drivers.  Some states, such as New York, require commercial auto accident insurance coverage when an individual is deemed a "delivery driver."  This is because the motor vehicle, although a privately owned vehicle, is no longer being used as a personal vehicle but as a commercial vehicle.  In many states, it is against the law to make deliveries without commercial accident insurance coverage. 

Also, certain car insurance companies or policies may not cover the accident if it involves a personal vehicle being used for delivery.  This is because commercial use of a motor vehicle means there is an increased risk of being in an accident due to the more frequent use of the vehicle.  Auto accident insurance companies calculate in these factors and may charge a higher insurance premium rate as a result.  

A requirement to have commercial auto accident insurance coverage does not just apply to food delivery services.  Your state may require commercial auto accident insurance coverage for all types of delivery services such as ride-share, delivery of products and packages.

In any case, if you do not discuss your full-time or part-time delivery driving side gig with your auto insurance company and you cause a motor vehicle accident, you might have your accident claim denied.  The good news is that a few national car accident insurance companies have decided to extend auto accident coverage to their policyholders who use their personal automobile to make deliveries.  But, in order to receive the coverage, you may need to contact your car accident insurance carrier and have an addendum added to your policy.  An accident could cost thousands of dollars in medical expenses, property damage, or even punitive damages.  Therefore, it is essential to ensure you have the proper coverages when using your motor vehicle for all forms of use - personal and business. 

It is also important that you speak with your state and local insurance officials to see of any ordinances or regulations have been put into place regarding deliveries using a personal vehicle.  Whether you or your loved one is making deliveries for a local restaurant, Amazon, DoorDash, GrubHub, or any other business, be sure to have the auto accident coverage you need to stay protected.

If you or a loved one have been injured or harmed in an accident while working as a delivery driver or if you have been harmed by a negligent delivery driver, contact our firm for your free case review. 

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While we hope you are safe and never need our services, we are here to help you if you are involved in any type of accident or just have a question.  Call Montlick & Associates, Injury Attorneys, for your free consultation today. Our law firm has been representing those who suffer serious injuries for over 39 years, and our attorneys have recovered billions of dollars for our clients. We Know What It Takes To Win!™  Please visit our read Montlick & Associates reviews to see what our clients have to say about our commitment to exceptional service.

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Category: Auto Accidents

Please Note:
All information provided by our blogs is general in nature and should not be relied upon as legal advice. Consult a Montlick attorney for details about your unique situation.