What If The At-Fault Driver Was Working at The Time of The Crash?

When a driver causes a crash while on the job, their employer may likewise be legally responsible for your injuries. Work-related driving is part of daily traffic in Myrtle Beach, where delivery vans, hotel shuttles, rideshare vehicles, and service trucks fill Ocean Boulevard and Kings Highway. That status changes the insurance landscape and can open the door to larger, more complex claims.

Early legal guidance from Kinon Law Firm can help identify every liable party and preserve coverage before insurers change the story. If you were hit by someone who was clocked in, whether while making deliveries, transporting guests, or traveling between job sites, our Myrtle Beach car accident lawyers can secure evidence, notify the right carriers, and protect your claim.

How Exactly Does Employer Liability Work?

SC recognizes employer responsibility when an employee causes a crash within the scope of their job duties. That can include driving a company vehicle, making deliveries, transporting customers, or traveling between work locations. Insurers usually try to draw a line between work time and personal time. Fortunately, the facts matter. For instance:

• A rideshare driver picking up a passenger along Ocean Boulevard runs a red light near a resort entrance and causes a T-bone crash. The platform’s policy, the driver’s personal policy, and a contingent policy may all be in play.
• A hotel shuttle clips a pedestrian at a crosswalk near the Myrtle Beach Boardwalk. The hotel’s commercial carrier investigates staffing, training, and maintenance.
• A food delivery driver rear-ends a car on Kings Highway during dinner rush. The restaurant’s policy may apply if the driver was dispatched through the business.

In each situation, liability turns on work status at the moment of impact, and on whether the employer exercised reasonable care in hiring, training, and supervising the driver. That’s why employers must carry separate commercial policies, and why identifying them quickly with legal assistance from a Myrtle Beach car accident attorney matters.

What Changes When The Driver Was Working in Myrtle Beach?

An employee’s work status affects three critical issues, including who pays, how much coverage exists, and how liability is defended.

• There may be multiple insurance policies. In work-related car accident cases in Myrtle Beach, there’s usually a personal auto policy, a commercial auto policy, and an umbrella policy. Each has different notice rules and limits.
• Coverage limits are usually higher. Commercial policies are designed for business risk, not just private commuting. That matters when injuries involve surgery, extended rehabilitation, or lost income during peak tourism season.
• Defense tactics change. Employers and their insurers investigate aggressively to argue that the driver stepped outside their job duties. They may point to route deviations, timecards, or internal policies to deny responsibility and your payout.

How a Car Accident Lawyer in Myrtle Beach Can Help When the At-Fault Driver Was Working

A Myrtle Beach car accident attorney can lock down proof of work status and secure every applicable policy. That includes sending preservation letters, obtaining dispatch and GPS records, and coordinating notice across carriers so no coverage is lost to technicalities. Likewise, they’ll analyze whether negligent hiring, training, or vehicle maintenance contributed to the crash, so that your claim can expand accountability beyond the driver alone.

Get Help From Our Myrtle Beach Car Accident Attorneys

If you were injured and the at-fault driver was working, schedule your free case review with our Myrtle Beach car accident lawyers to identify every liable party and secure the financial resources you need to recover. Contact Kinon Law Firm online or call 843-488-9191 to learn more.