What should my next steps be after a major accident while on a delivery in my personal vehicle?

I make deliveries in my personal vehicle for a local pharmacy. I dozed off when I was driving and hit four cars that were stopped at a red light in front of me. I only have state-minimum coverage. Do I report this to my insurance or the pharmacy’s insurance?

Apr 26, 2021
Answer provided by
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Shannon Martin
Answered at Apr 26, 2021
“I am sorry to hear about your situation, and I hope that everyone involved is well.
You should contact your insurance company first. Since the vehicle was being used for business, be prepared to answer some questions about the usage of the car.
They may ultimately deny liability insurance coverage for the other parties’ damages under your personal policy, but the accident should still be reported so that they can confirm if there is coverage under your policy for the claim.
You should also report the accident to your employer. They should report it to their insurance company and provide you with the claim information.
The companies that insure the other vehicles involved in the claim will also be contacting your insurance company and your employer’s insurance company. Your insurance company should keep you informed throughout the claims process.”
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