If you were in an accident with a delivery driver, you may be able to pursue a claim for compensation against the delivery driver’s insurance company. As Wisconsin is an at-fault state, most car accident cases are resolved through an insurance settlement, often with the at-fault driver’s insurance company.
However, the at-fault driver’s personal auto insurance may deny coverage because he or she used his or her vehicle to make deliveries. (The insurance company may view this as a commercial driving activity.)
If the delivery driver has a separate insurance policy to cover an accident while making deliveries, you may be able to make a claim against that policy. Otherwise, you may have the right to sue for compensation if the delivery driver has enough personal assets to cover your losses.