Getting injured while working on the streets isn’t as uncommon as you’d think. Whether you’re driving for Uber, delivering packages, fixing power lines, or walking a postal route, the risks are real, and the legal responsibilities can get complicated.

Liability often depends on who you work for, where the accident happened, and what kind of work you were doing. Let’s break down key cases, from rideshare drivers to mail carriers, and what you need to know if something goes wrong if you are on the other end of an accident with an Amazon truck.

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Injured While Driving for Uber or Lyft? Here’s What You Need to Know

Since January 1, 2023, rideshare drivers in Washington are legally recognized as workers under HB 2076, which grants them protections like:

Access to workers’ compensation
Paid sick leave
Minimum per-mile and per-minute pay
Appeal rights for unfair deactivation

However, these benefits only apply during “dispatch platform time” (waiting for or en route to a ride) and “passenger platform time” (when someone’s in the car). If a driver is off the app, none of these rights apply: you’re just a private motorist in the eyes of the law.

What Happens If There’s a Crash?

Rideshare insurance coverage depends entirely on driver’s status at the time of the accident:

App OFF → The driver’s personal auto insurance applies.
App ON, no ride accepted → Limited coverage from Uber/Lyft:
$50,000 per person | $100,000 per crash | $25,000 for property damage.
Ride accepted or passenger on board → Uber/Lyft’s $1 million policy kicks in, covering drivers, passengers, and third parties.

Both Uber and Lyft also offer contingent collision/comprehensive coverage (if the driver already has it personally), but with high deductibles: $1,000 (Uber) and $2,500 (Lyft).

Keep in mind: food delivery drivers (like Uber Eats, DoorDash, or Grubhub) are also eligible for workers’ comp — but taxi drivers are not.

When the Company Can Be Liable

Uber or Lyft may face legal responsibility if:

A crash happens while a driver is actively working or picking up a fare
The company failed to properly vet the driver (e.g., skipped background checks or neglected safety training)
The platform allowed unsafe driving patterns to continue unchecked

Their insurance becomes primary as soon as the driver is logged into the app, regardless of whether a ride has been accepted. In certain crashes, other entities might also share fault:

Other motorists (reckless driving, DUI, etc.)
Car manufacturers (mechanical failures or defective parts)
Cities or counties (hazardous road conditions, poor signage)

If you’re injured as a rideshare driver, or struck by one, your compensation depends on both status and fault. Contact us today with any questions you have, and if you’ve been injured we are always willing to give you a free consultation to see if our lawyers will take your case.

Delivery Drivers and Legal Responsibility: What Happens When You’re Injured?

App-based food and parcel delivery services like DoorDash, Uber Eats, Instacart, and Postmates have transformed the role of delivery workers across Washington and Oregon. While these platforms offer convenience, the legal responsibility when a delivery driver is involved in an accident can be far more complex than with traditional employees.

Are Delivery Drivers Covered Under Workers’ Comp?
Yes, in Washington, the same law that protects rideshare drivers (HB 2076) also extends to app-based delivery drivers, offering workers’ compensation coverage while they’re on the clock. However, most of these drivers are considered independent contractors, not employees, which affects how liability is assigned when an accident occurs.

Who Can Be Held Liable in a Delivery Driver Accident?

The Driver
If the driver acted negligently, speeding, texting, or driving recklessly, they can be held personally responsible for the crash. Eyewitness statements, video footage, and police reports can all support a negligence claim.
The Employer or Platform
Some drivers work directly for a company, such as FedEx or a local courier. In those cases, the employer may be vicariously liable if the driver was acting within the scope of employment. However, gig economy platforms (like DoorDash or Instacart) often avoid direct responsibility by classifying drivers as independent contractors. That said, failure to properly screen or monitor drivers could open the door to a negligence claim against the company.
Third Parties
Not all delivery accidents are the fault of the driver. If another driver, poor road maintenance, or a defective vehicle part contributed to the crash, other individuals or agencies may share liability.

How Insurance Comes Into Play

Insurance policies may come from multiple sources:

The delivery platform (if any)
The driver’s personal auto insurance
Commercial coverage (if carried)
Third-party insurers, in some cases

This patchwork can make filing a claim more difficult, especially without knowing who was officially “on duty” and what coverage applies at the time of the crash.

Why These Accidents Are Unique

Delivery drivers often work under time pressure, navigating unfamiliar neighborhoods or congested streets while racing to meet deadlines. This increases the risk of distraction, fatigue, and accidents involving other vehicles, pedestrians, or cyclists. Add in legal uncertainty around employment classification, and victims are left with a tangled web of potential claims.

Maintenance & Construction Workers: Who’s Liable If You Get Hurt?

Whether you’re repairing potholes, swapping out streetlights, or tearing up sidewalks, your job likely falls under employer responsibility, unless you’re truly an independent contractor. Here’s what the law says in Washington and Oregon:

Employee vs. Independent Contractor: Definition Matters

Washington State considers all workers presumptively covered by workers’ compensation unless they meet strict exemption tests. Simply being paid via a 1099 doesn’t make you an independent contractor

Oregon uses a multi-factor test (IRS-style and statutory) to classify workers. To be exempt, contractors must show control, independent business status, required licensing, financial risk, and more .

For Employees (W‑2 Workers)

Employers must provide workers’ comp coverage, including medical care, wage loss, rehab, and disability benefits.

Injured employees typically cannot sue their employer directly—they use the workers’ comp system as an exclusive remedy.

For Independent Contractors

No automatic workers’ comp unless they opted into coverage.
They can pursue personal injury claims against negligent third parties—but not their hiring entity—if injured on the job .
Misclassification is common: if a contractor functions like an employee, the employer can be held responsible for unpaid premiums and benefits

Mail Carriers: Who’s Responsible When Accidents Happen?

Mail carriers don’t just battle weather and long routes—they also face real physical hazards. Slippery porches, aggressive dogs, dim lighting, and unmaintained walkways are all part of the job. When an accident occurs, who’s responsible depends on several legal and employment factors.

Federal Employees and USPS Contractors: Different Paths to Compensation

USPS employees are covered under the Federal Employees’ Compensation Act (FECA), not state workers’ compensation. This means any injury, whether from a slip at a residence or a dog bite on the job, should be reported through the Office of Workers’ Compensation Programs (OWCP).
Contracted mail carriers (e.g., rural route subcontractors) rely on workers’ compensation coverage through their contracting company or any commercial insurance their employer maintains.

Common Causes of Injury

Slips and falls on icy sidewalks, cracked driveways, or poorly lit stairs
Dog attacks, still among the top injury causes reported annually; read our article about this topic, here.
Auto collisions involving mail trucks, especially on rural routes. According to the U.S. GAO, these are the most frequent incidents on delivery shifts

What If USPS Was Negligent?

Suing USPS or a federal employee is not like suing a private delivery company. Because USPS is a government agency, sovereign immunity applies. Claims must follow the Federal Tort Claims Act (FTCA) and meet strict timelines and procedures. Victims injured by USPS drivers must file an administrative claim with the government before pursuing court action.

Medical Care and Filing a Claim

If you’re injured, seek medical attention immediately and inform your provider it’s work-related.
For USPS employees, the provider will help file your claim under OWCP.
For contractors, the process depends on your employer’s workers’ comp insurance and the nature of your contract.

Accidents involving mail carriers are legally unique. Federal protections, contractor classification, and third-party liability all factor into who pays for injuries and damages. Whether you slipped delivering a package or were hit by a USPS vehicle, having an attorney experienced with government claims is key to securing compensation.

Injured While Working on the Road? Here’s What You Should Know

Every case is different. Some involve federal protections, others hinge on third-party liability, and many require understanding overlapping insurance policies. If you’ve been injured while working on the road or delivering goods, it’s important to know your options. We’re here to help you figure them out.

Injured While Working on the Road?

Don’t navigate the insurance maze or legal fine print alone. Every case is unique, and knowing who’s responsible can make all the difference. Contact our team today for a free case review—we’ll help you understand your rights, your coverage, and the best path forward.

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Who’s Responsible When You’re Hurt at Work on the Streets? Key Insights for Washington & Oregon