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Do Texas delivery drivers need specific types of auto insurance?

On Behalf of | Mar 18, 2022 | Uninsured/Underinsured Auto Insurance Claims | 0 comments

With the status of the economy in flux and many Texans struggling to make ends meet, a growing number have turned to work in which they are using their vehicles or an employer’s vehicle to make deliveries. This is an honest day’s work and can be useful as a primary job or as a second job. Since so many people are ordering items online, there is plenty of employment available. Despite its benefits, there are potential problems that may arise. One is whether the auto insurance coverage is sufficient based on how the vehicle is being used.

Delivery drivers might not have the correct insurance

Auto insurance is a legal requirement when getting behind the wheel. Those who are making deliveries could have unexpected gaps in their coverage. This could happen for many reasons. Perhaps they were unaware of the coverage necessary. They might have been lied to or misled by the company or person they are delivering for. Or there might just be a lapse. For people who were in an accident with a delivery driver whose coverage was lacking, it is important to be aware of the available options.

The policy should be examined to see if the vehicle is covered when it is used for work. Some insurers have different policies and fee templates depending on how a vehicle is utilized. In some instances, the insurance policy covers the driver whether they were making deliveries with the vehicle or simply driving for their own purposes. Not telling the insurance company that the vehicle was being used for delivery when there was an accident could result in a denial of coverage. Some employers are vigilant about insurance coverage. There might be nuance in the policy such as the coverage is valid for an activity like delivering goods, but not for picking them up. If there is a lapse or another reason for a denial, then the employer or the driver could face liability for the accident and its aftermath.

After an accident with a delivery vehicle, checking insurance coverage is key

Those who were hurt or lost a loved one in an accident with a delivery vehicle might function under the impression that the other driver had enough insurance coverage to pay for all that was lost. Unfortunately, that might not be true and uninsured/underinsured auto insurance claims must be pursued. The injured party has the right to sue their own insurer to be compensated or to pursue the assets of the other driver or the employer. For advice in this difficult situation, it is useful to have professional guidance with these complex circumstances.