Accidents involving delivery vehicles are common in Indianapolis due to the city’s status as a logistics hub. Whether it’s a large truck or a local van, knowing how to respond can protect your health, rights, and finances.
Ensure safety and call for help
First, ensure safety by moving your vehicle out of traffic and turning on hazard lights. Then, call 911 to report the accident, especially if there are injuries or significant property damage. In Indiana, you must report accidents with injuries, deaths, or damage over $1,000 to law enforcement.
Gather essential information
Next, gather key details from the delivery driver, including their name, address, phone number, driver’s license number, insurance information, and vehicle license plate. Also, note whether the driver works for a delivery service, as this can impact liability and insurance coverage.
Document the scene
Take photos of vehicle damage, road conditions, traffic signs, visible injuries, and the surrounding area. If there are witnesses, get their contact info and brief statements. This evidence can be crucial for insurance claims or legal matters.
Seek medical attention
Even if you feel fine, some injuries may not appear right away. Visit a healthcare provider promptly to document any injuries. This helps your health and supports future claims.
Notify your insurance company
Report the accident to your insurance company as soon as possible. Provide all collected information and cooperate fully. Avoid admitting fault or discussing liability—let the authorities and insurance companies determine fault.
Understand potential complexities
Accidents with delivery vehicles are often more complicated than regular car accidents. The driver’s employment status and the company’s insurance policies can affect liability and compensation. Be aware of these complexities as you navigate the process.
By following these steps, you can handle an accident with a delivery vehicle more effectively, ensuring your safety and protecting your rights.
