Two years is Ohio's usual deadline to sue for crash injuries, and the adjuster is about to ask, "Were you delivering for DoorDash when the crash happened?" Your answer matters because it changes which insurance policies apply. It does not automatically ruin your case.

If you were driving for DoorDash, Uber, or Amazon Flex in Columbus, you are usually treated as an independent contractor, not an employee. That means Ohio workers' comp usually does not cover you, and the employer-style exclusive remedy defense usually does not protect the app company the way it protects a regular employer.

So if a drunk or careless driver hit you on I-270, I-70, or near downtown Columbus during a holiday weekend surge, you can still pursue a third-party injury claim against that driver. If the wreck was a chain-reaction pileup or fog crash, there may be claims against more than one driver.

What changes is the insurance fight. The insurer may argue:

• your personal auto policy excludes delivery use
• the app's commercial coverage applies only during certain phases of the trip
• you were in the app but not yet on an active delivery

That is why telling the truth about DoorDash was not a mistake. A lie would have been worse.

Workers' comp becomes an issue only if you were a true W-2 employee making deliveries or driving for work. In that setup, a claim may go through the Ohio Bureau of Workers' Compensation, and your employer may argue workers' comp is your only remedy against the employer. Even then, workers' comp does not block a separate case against the other driver who caused the crash.

Right now, save the app screenshots, trip status, delivery time stamps, police report, and any messages showing whether you had accepted an order. Those details decide whether this is a personal injury claim, a workers' comp claim, or a dual-track case.