text: on bike, hit by news currier, independent contractor? i was hit by a car that was delivering news papers (in il) she was at fault. her insurance claims she was an independant contractor there fore they are not liable. i have heard that the us court handed down a decision that prevents insurance companys from hiding behind the "independant contractor " thing. does anyone have info or website on this or advice as to what to tell her insurance company?  thanks for any info. you may have to sue.  look for the bicycle coalition website for your area.  they are a great source of information.  the below is from wisconsin but the san francisco rules say the same thing.  here are some sites for illinois:  http://www.bikelib.org/index.htm http://www.stlbikefed.org/desktopdefault.aspx  what to do after a traffic collision  if you're hurt in a traffic collision, don't ride away or shake off what seems like a minor injury. you might find later that it's worse than you thought. if you're a victim of, or a witness to a traffic collision, here are the steps to take:      * call the police. if needed, get medical help immediately.     * get the following information from every vehicle: driver name, address, phone number, driver's license number, license plate number, make of car, insurance company name and policy number.     * get the names and phone numbers of witnesses.     * get the police report number from police on the scene.     * write down how the crash happened while it's fresh in your memory.     * keep (or photograph) any damaged clothes or equipment. also, if you're a victim:     * don't get mad at the scene. keep a level head so you can ask questions and take notes.     * if you're injured, don't move unless you're sure you won't injure yourself more