Austin workers compensation attorney Aaron Allison explains how the size of your employer matters when you are injured on the job. For more information, call (512) 474-8346.
As far as I understand, Amazon has their own underwriters and they’re self-insured for purposes of their fleet. They’re just like any corporate entity which owns a fleet of vehicles. They have a large liability line of insurance, usually it’s in excess of a million dollars, for liability in the event that one of their drivers causes an accident. There usually is up to a million dollars of coverage on that commercial line. Of course it is Amazon in the event where you had a catastrophic injury or death as a result of the negligence of an Amazon delivery driver, you would not accept a million dollars as full and final settlement of that claim. Amazon is one of the wealthiest corporations in the world. You would go to Amazon directly and ask for more compensation for the death of your client in that situation. Some situations you have employers which are running subsistence businesses and they have a fleet of vehicles and they purchase a line of insurance and usually a commercial line of insurance is between one to two million dollars. In those situations, if they were negligent and caused the death of someone using that vehicle, usually you’re looking at that policy limit because if you went after the company themselves, over and above the policy limit, it would force the company into bankruptcy and you wouldn’t be able to collect from the company, so in those situations, it depends on the insurance they have in the size of the company which is responsible for the injury or death to the client. For more information, go to AaronAllisonLawFirm.com.