Question: I hear that a rural carrier is covered by the post office while delivering mail in their personal vehicle. If that is so, why do I have to provide insurance for my vehicle?

Answer: A carrier is covered by the Tort Claims act while “in the scope of employment”, but the TCA only covers damage done to another person or a person’s property. Whenever an employee is driving a vehicle on Postal business, “within the scope of their employment”, an employee cannot suffer a financial loss because of injuring someone or causing damage to someone’s property. Within the scope of their employment would not normally mean driving to and from their office. Carriers are covered by OWCP at that time if they are driving a vehicle they will use on the route that day but Tort claims would not be allowed until after the carrier is on the clock.

Reference:  #1 #2

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