If you get into an accident with an at-fault driver of a commercial delivery truck, you could have several avenues of financial recovery open to you.
Chances are the delivery truck driver is not going to be the one with the deepest pockets or the most comprehensive insurance policy. But the company that employs him or her as a driver is another story entirely. Major companies like FedEx typically carry plenty of insurance to cover their trucks when the drivers are company employees who are acting within the breadth and scope of their employment.
Your situation will be different if you were hit by an independent contractor or someone who was taking one's lunch break at the time of the accident. Even in those scenarios, there is still a fair chance that the delivery company can be held partially liable if the accident was clearly the other driver's fault.
Suing both the driver and the trucking company may wind up being your best bet, as you will have all bases covered in the event the company is able to get removed from the suit. At the least, the driver's own policy should cover your medical bills and other costs stemming from the delivery truck accident.
Because frequently there are more than one defendant that can be named in an auto accident, it's important that you investigate the circumstances of the wreck very carefully. This is where the legal skills and expertise of a personal injury attorney become invaluable, as he or she knows to leave no stone unturned when it comes to tracking down insurance policies that cover their clients' injuries.
Source: Findlaw, "Can You Sue If You're Hit by a Delivery Truck?," Brett Snider, Esq, accessed Aug. 05, 2016