This is one of the more layered questions we get, because the answer depends on who the driver works for and what they were doing at the time. A crash involving a delivery driver, whether for a retailer, a courier service, or a gig platform, may involve more than one potentially responsible party.

• The driver, if their own carelessness caused the crash
• The employer or delivery company, if the driver was on the clock and acting within the scope of their job
• A staffing or contracted logistics company, if the driver was hired through a third party rather than employed directly
• The vehicle owner, if it wasn't the driver's personal vehicle

Gig-based delivery drivers add another layer, since some platforms classify drivers as independent contractors specifically to limit their own liability. Michigan's no-fault system will still cover your initial medical care regardless of fault, but figuring out who else may owe you compensation often requires digging into employment records, delivery logs, and insurance coverage that isn't always easy to access on your own.

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