At Brown & Brown, LLP, we make it easy for injured workers throughout St. Louis and Illinois to cut through the confusion. Founded by brothers Dan and Ed Brown in 1993, our firm helps people recover physically, financially, and emotionally after life-changing accidents. We combine aggressive representation with compassionate client care — and you never pay us unless we win your case.
What Insurance Covers a Work-Related Delivery Accident?
The type of coverage that applies depends on how you’re classified and what kind of vehicle you were using:
- Employees driving company vehicles are often covered under workers’ compensation and commercial auto insurance.
- Independent contractors, such as rideshare and app-based delivery drivers, may need to rely on their personal auto policies or company-provided insurance during active deliveries.
- Some companies offer limited coverage windows, meaning you’re only protected while actively making a delivery — not while waiting for an assignment or driving home.
This patchwork of policies can leave drivers vulnerable. Workers’ compensation typically covers medical care and partial wage loss, but it does not account for pain and suffering. That’s where third-party claims come in.
When a Third Party Is At Fault
If another driver is responsible for the crash, you may be able to file a personal injury lawsuit in addition to pursuing workers’ comp. A successful claim can help you recover:
- Full lost wages and income
- Pain and suffering damages
- Long-term rehabilitation costs
- Loss of earning capacity
This dual-claim approach can be complex, and insurance companies often try to minimize payouts. An experienced attorney, like those at Brown & Brown, can assist you in navigating these hurdles and ensure you’re treated fairly.
Talk to Brown & Brown About Your Case Today
If you were hurt in a delivery-related crash, Brown & Brown’s attorneys can help you understand your rights and fight for maximum compensation. We’ve earned a reputation for hard work, honesty, and results. Call 314-333-3333 or 573-333-3333 (if you’re in St. Louis) or 618-888-8888 (if you’re in Illinois) to schedule a free case review.
