If you are hit by a delivery vehicle, the claims process can feel overwhelming. You may face medical bills, lost wages, and confusing insurance rules all at once. Knowing the steps to take early on can help protect your health and your legal rights.
For example, being injured in an Amazon van and truck accident case often raises special questions about who is responsible: the driver, Amazon, or another company. This is just one reason why these claims are more complex than a standard car accident.
In this article, we’ll explain what to expect after a delivery vehicle crash. You’ll learn how to report the accident, deal with insurance companies, gather evidence, and protect your right to fair compensation.
Report the Accident and Get Medical Care
The first step is to report the accident to local law enforcement. A police report creates an official record, which is often required by insurance companies. In many states, failing to report an accident involving injury or property damage is against the law.
For example, under California Vehicle Code §20008, drivers must report accidents that cause injury or death within 24 hours.
You should also seek medical care right away. Some injuries are not obvious at first, such as whiplash or internal injuries. Medical records are key evidence if you need to prove your damages later.
Identify Who May Be Liable
Delivery vehicle accidents are often complex because multiple parties may be responsible:
- The delivery driver
- The delivery company (Amazon, UPS, FedEx, etc.)
- A subcontractor or third-party logistics company
- A vehicle manufacturer (in case of defects)
Liability depends on employment status and company contracts. For example, Amazon often uses independent contractors to drive vans. Courts may look at whether the driver was acting within the scope of their job when the crash happened.
Dealing With Insurance Companies
You may need to file claims with several insurers. This could include your own auto insurance and the delivery company’s insurer. Each company will try to reduce its costs.
Insurance adjusters often ask for recorded statements or quick settlements. Be careful before agreeing. Once you accept a settlement, you usually cannot ask for more money later. Keep communication short and factual.
Collect and Preserve Evidence
Evidence is the foundation of a strong claim. Without it, insurers may deny or underpay. Steps you can take include:
- Get a copy of the police report.
- Save all medical records and bills.
- Take photos of the scene, vehicle damage, and injuries.
- Ask for witness contact information.
- Keep pay stubs to show lost income.
Organize these documents in a file. Having everything in one place makes the claims process smoother.
Deadlines for Filing Claims
Every state has time limits, called statutes of limitations. Missing the deadline means you lose your right to file. For example, under Texas Civil Practice and Remedies Code §16.003, you generally have two years from the date of the accident to file a personal injury lawsuit.
Because deadlines vary by state, you should check your local law or consult a legal professional quickly after the crash.
Final Thoughts
The claims process after a delivery vehicle accident can involve multiple parties, complex insurance rules, and strict deadlines. Knowing what steps to take early gives you a stronger position.
By gathering evidence, understanding who may be liable, and being careful with insurance adjusters, you protect your right to fair compensation.
Recap of Key Points
- Report the accident to the police and seek medical care right away.
- Multiple parties may be liable, including the driver, delivery company, or contractors.
- Insurance adjusters may push for quick settlements—be cautious.
- Collect and organize evidence such as medical records, bills, and photos.
- Understand the types of compensation you may claim.
- Watch for state deadlines to file your claim.
