Delivery Vehicle Cases
Hit by a food or grocery delivery driver? Why the driver’s personal insurance may deny the claim, when the app’s coverage applies and how to protect your claim.
Reviewed by Larry Forman, Attorney.
App-based delivery has put thousands of part-time drivers on Louisville streets, often in a hurry and checking a phone for the next order. When one of them causes a crash, getting paid can be harder than a normal car wreck, because the driver’s personal policy, the app company’s policy and your own coverage may all point at each other.
Key takeaways

Kentucky’s rideshare insurance statute covers drivers who carry passengers for Uber and Lyft. Food and grocery delivery is handled differently. See our rideshare injury lawyer page for passenger trips.
We ask the delivery company to preserve trip logs, GPS data and the driver’s app status. That data can disappear if no one asks for it.
If you were hurt while delivering, your own PIP, the app’s coverage for drivers and a claim against the at-fault driver may all be available. See delivery vehicle crashes and app-based delivery driver claims.
Most Kentucky motor vehicle injury claims must be filed within two years of the crash or the last PIP payment, whichever is later (KRS 304.39-230). To recover pain and suffering from an at-fault driver, Kentucky’s no-fault law generally requires more than $1,000 in medical expenses, or an injury such as a fracture, permanent injury, permanent disfigurement or permanent loss of bodily function (KRS 304.39-060). Estimate your dates with our statute of limitations calculator.
DoorDash says it maintains liability coverage for third parties while a driver is on an active delivery. It generally applies after the driver’s own insurance and only during certain parts of the trip, so the details matter.
Then the app’s policy usually doesn’t apply, and the driver’s personal insurance is the main source. If it denies coverage, your uninsured motorist coverage may help.
Usually the claim is against the driver and the insurance that covers the trip. Whether the company itself is liable depends on the facts and the driver’s status.
Most Kentucky motor vehicle injury claims must be filed within two years of the crash or the last PIP payment, whichever is later (KRS 304.39-230).
We’ll track down every policy that may apply. The consultation is free.
Get a free case evaluation or call 502-931-6788.
This page is general information about Kentucky law as of October 2026, not legal advice. Every case is different.