The employer's insurance usually answers. When a driver is working at the time of a crash, the employer generally answers for the driver's negligence, and the company's commercial policy is usually the coverage that matters. Note the company name on the vehicle, the driver's name, and — if it's a larger truck — the USDOT number on the door.
But the picture varies. Many delivery drivers are contractors driving personal or rented vehicles, and coverage can be a patchwork: a commercial policy, the driver's personal policy, or coverage tied to the delivery platform depending on the arrangement. Lighter vehicles also fall outside the federal $750,000 minimum that applies to most heavy interstate carriers, so available coverage can be smaller than people assume — which is when your own uninsured and underinsured motorist coverage, which Arizona insurers are required to offer, can become part of the recovery.
Records exist — briefly. Delivery fleets generate route logs, telematics, and often camera footage. Like all commercial records, they're most retrievable when requested early and in writing.
Arizona's rules apply as usual: two years to file most claims, 180 days for a notice of claim if a government vehicle is involved, and pure comparative negligence — partial fault reduces a claim by percentage and does not end it.
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