Accidents with delivery vans can be stressful, especially when the driver works for a large company. These crashes often involve more complex questions about liability and insurance. If a delivery van hits your car in Kentucky, knowing what steps to take can help you protect your rights and recover your losses.
Check for injuries and report the accident
Start by checking for injuries. Call 911 if anyone is hurt, even slightly. Kentucky law requires you to report accidents that cause injury, death, or property damage over $500. Wait for law enforcement to arrive and provide an accurate account of what happened. Avoid speculating about fault—just share the facts.
Gather information at the scene
Exchange contact and insurance details with the delivery driver. Note the company name, license plate, and any identifying numbers on the van. Take photos of the scene, including vehicle damage, skid marks, and traffic signs. These details can become key evidence later. If there are witnesses, ask for their names and contact information.
Determine who may be liable
In many cases, the delivery company may be responsible for the driver’s actions. Liability depends on whether the driver was on duty or using the vehicle for personal reasons. If the driver worked for a contractor rather than the company directly, the investigation might involve multiple insurers. Understanding these details helps you know who to contact about your claim.
Notify your insurance company
Report the crash to your insurer as soon as possible. Provide all the information you collected, including the delivery company’s name and insurance policy if available. Your insurer can open a claim and start the process of investigating fault. Keep records of all communications, repair estimates, and medical bills related to the accident.
Stay organized and follow up on your claim regularly. Keep copies of your accident report, medical documents, and receipts for any expenses. If questions about liability or coverage arise, having thorough documentation makes it easier to support your case.