Who Covers Courier and Delivery Drivers if They Are Hurt in a Job Related Auto Accident?

For someone who works in a bustling industry such as the courier industry, driving is an inescapable part of their work. This type of work unfortunately exposes them to many more possible accidents during the course of their working day than people who don't drive for a living. As such, there are insurance questions that they must think about beforehand, in the case of ever experiencing an accident.

All courier companies, (and most other companies which employee professional drivers) will have insurance policies out on their vehicles and drivers to ensure that they are not held liable in the event of an accident. This situation might be different for a courier company who subcontracts drivers. Those drivers would be responsible for their own insurance on their vehicle, although the courier company might require a minimum amount of coverage. This is the most common type of courier model with smaller companies. It helps protect the employer as it ensures that there is no way they would be held liable in the case of an accident. If they own their vehicles and maintain them, as is the case in many of the larger companies, an accident caused by mechanical failure could leave the courier company held at fault.

Fault is important to note. When injured as a courier driver, the accident will be treated much like any other and is subject to the particular laws of the state you are in. In a no-fault state, it will not matter who caused the accident in regards to auto damages and most medical bills. However, in a state without no-fault insurance, it might be possible that, if the other party is at fault in the accident, you can sue them for a variety of benefits relating to your injury. As mentioned above, the company that you work for might also be held responsible if the accident was due to negligence on their part. It is wise to consult a lawyer to learn the specifics of the possibilities and insurance laws in place within your state.

My Auto Accident Injuries Won't Allow Me to Continue Work at My Current Job

For many people, their job is entirely dependent on their body. Millions of people across the country work in jobs that involve severe physical labor and it is easy to see why an injury in an automobile accident might prevent a farmer, a machine shop worker, or a carpenter from being able to work. However, the nature of injuries which prevents people from working can be much more insidious than you first realize, and almost everyone is vulnerable. Someone whose back is hurt in an injury may find it very difficult to sit in a desk all day, someone with a broken leg would no longer be able to work retail, or you can even look at a more extreme example such as a surgeon whose hands became damaged.

In the cases where you can no longer continue to work at your job because of an injury received in a traffic accident, you will certainly have a good chance of being able to try and sue for lost wages due the injury you received. When you are unable to work, for any reason, it puts an extreme amount of stress on you and your family. However, when this leaves you unable to even return to your current employment, especially if you are unskilled for anything else, it leaves you in a very tight position. Luckily, there are a number of auto injury attorneys who are specialists in this area of the law and can do everything in their power to try and get you the compensation you deserve.

The important thing to do in this situation is to speak to a lawyer directly. Depending on the nature of both your injury and the accident itself they will better be able to advise you as to how best to proceed to ensure the maximum benefit possible for your family.