One accident, different questions
If you were hurt while performing a work task, review both the work activity and responsibility for the collision. Who was driving, for whom you worked, what task you were performing, and which policies were in effect all matter. Accidents occurring during a workday are not all treated alike.
When claims may coexist
New York law allows a worker entitled to workers’ compensation to also pursue a responsible third party outside the same employment. This does not mean every accident produces two recoveries or that the same loss can be recovered twice. Rules connect the claims.
Review both claims before settling either
A third-party settlement may affect rights in the work injury claim. Before signing a release, evaluate consent requirements, potential liens, and future benefit consequences. These rules depend on payments, coverage, and facts; they cannot be assessed by looking only at the auto insurer’s offer.
Information to preserve
Keep the work order or delivery record, route, messages, police report, employer information, and policies. For platform work, save delivery acceptance and recorded activity. Performing a delivery does not, by itself, resolve employee classification or establish particular insurance coverage. Ask for coordinated review.
Official source: New York Workers’ Compensation Law § 29
General New York information, not advice about your individual facts. Deadlines and options depend on the case. Do not wait until treatment ends to ask about important dates.
Car accidents