Hit while riding a city-contracted medical transport van — can I go after more than just the driver?
So this happened to me a few months ago and I'm still trying to wrap my head around who's actually responsible here.
I was a passenger in one of those subsidized transportation vans — the kind that take elderly and disabled folks to doctor appointments and dialysis and stuff. The program is run through the county and they contract out to a private company that owns the vans and hires drivers. I qualified because of a mobility issue I was already dealing with before the accident.
Long story short, the driver blew through an intersection and we got T-boned. I ended up with a fractured vertebra and some nerve damage that my doctors are saying could be permanent. I'm still in PT and honestly don't know what my long-term situation looks like.
Now here's where I'm confused. The driver's personal auto policy seems pretty thin — like it might not come close to covering what I'm facing in medical bills alone, let alone lost wages or anything else. The company that operates the vans has its own commercial policy, but I don't know the limits.
What I keep wondering is: since the county was essentially paying for this trip through a state grant program, do they carry any responsibility too? The driver was literally completing a county-funded service run when this happened.
Also — does it matter that the drivers are classified as independent contractors rather than employees of the transport company? Does that change anything about who I can actually go after?
I'm not looking for legal advice here, just trying to understand how this kind of layered situation usually works before I talk to anyone official. Has anyone dealt with something similar?