When you signed up for Flex you were told that Amazon would provide insurance coverage while you made deliveries, but do you know anything about it?
What does the policy cover? What don’t they cover? If you have questions, you’ve come to the right place.
First of all, let’s get this out of the way…
This is the insurance policy information you will need to present when making a claim or providing information at the scene of an accident. This insurance will only cover you when you are making deliveries. Once your last package is delivered, your coverage ends and reverts to your personal insurance.
Do not provide this information at the scene of an accident when you are not delivering packages or when you need proof of insurance for a police initiated traffic stop.
In addition, his information does not apply to Amazon Flex drivers in the state of New York. They will have to get their own commercial policy, as what we’ve found indicates that Amazon doesn’t provide that area with coverage.
That being said, let’s dive in.
Amazon Flex Insurance Policy
The Amazon Flex policy covers drivers when they’re working and making deliveries, regardless of what type of warehouse you’re delivering for. When drivers are not making deliveries, or are on their own time, their personal insurance policies apply.
What the Policy Covers
The commercial policy through Amazon covers the following:
When delivering for Amazon Flex, you are provided with more than the minimum required liability coverage in nearly all states – up to $1,000,000 per incident.
This coverage is applicable in the event that you are in an accident and the fault is determined to be your own or your actions cause damage to a customer’s property. In these circumstances, this also covers bodily injury of any third-party seeking medical attention.
You also are provided with contingent comprehensive and collision insurance up to $50,000 per incident with a $1000 deductible. It is contingent because you must carry comprehensive or collision coverage on your personal insurance for the Flex policy to cover you.
If you don’t carry these coverages on your personal insurance, then the Amazon Flex insurance, comprehensive or collision, will not cover you. Collision covers damage to your vehicle even when you are at fault and comprehensive covers in matters related to weather or circumstance.
In many cases it will be unnecessary to file a claim as long as the damage repair will be less than $1000.
Additionally, you are provided with uninsured/underinsured motorist coverage – up to $1,000,000. This coverage only applies if the other party is at fault and does not carry the necessary insurance coverage.
Under these circumstances, the Amazon Flex auto policy will cover damages to your vehicle and will also cover injury to yourself and any occupant of your vehicle.
Towing and packages
Towing coverage is only provided in response to an accident that disables your vehicle. Damages to packages or stolen packages (if your vehicle is stolen) are covered by Amazon itself unless in the event of illegal or fraudulent activity.
What the Policy Does NOT Cover
The policy is pretty robust, however, there are a few things it won’t cover.
You are considered an independent contractor with Amazon flex and therefore are responsible for your own medical care. That includes if you are in a vehicle accident or injured while making deliveries. If you have medical insurance, it should cover you in these circumstances.
It is important to note that when making deliveries and you are injured as a result of a third party’s negligence, you can seek coverage from their policies. Most homeowners have policies that will provide coverage in the event you are injured on their property. The most common claim made by delivery person is for dog bites.
If you find yourself injured on a customer’s property, respectfully request their homeowner’s or renter’s insurance information. Apartment complexes also carry insurance for their common areas.
If you are injured in any circumstance that an apartment complex can be deemed liable, get the coverage information from the property management firm.
Towing as a result of mechanical failure is not covered, nor is there roadside assistance available. Rental vehicles are not covered as well.
You will also not be covered in the event you are being intentionally negligent, injuring yourself, racing, or you receive damages resulting from acts of war, terrorism, or nuclear hazard.
There’s also a few things that are your own responsibility, and should be kept in mind before embarking on a delivery route.
This is a no-brainer. You must carry and keep current your personal auto insurance. Not only is it law, you also must make sure that your participation in the Amazon Flex insurance program does not invalidate it.
Amazon will not cover your vehicle if you experience mechanical failure so it is paramount to maintain your vehicle well. A small amount of prevention can save you many headaches later. If you find yourself experiencing mechanical failure resulting from a road hazard like a pot hole, that should be covered by the city.
New York State
Flex drivers in New York are required to carry their own commercial policy, as an Amazon Flex insurance policy is not available to them.
In Case of an Accident
First of all, if you are in an accident while delivering for Flex, keep calm and do not admit fault.
Immediately contact the proper authorities, seek medical attention if you are injured, and cooperate with all local first responders. When you are asked to provide proof of insurance, offer the policy information that Amazon provided to you for incidents like these. Take pictures of the incident and damage if it is safe to do so.
If you have damaged a customer’s property (mailbox, fence, etc.), provide the customer with this policy information as well.
Once the accident has been dealt with and you are safe, inform Amazon Flex about the incident (contact them by using one of these methods). Provide a detailed description of the event, including:
- Time incident occured
- Location incident occured
- Description of the damage
- Information regarding other parties involved
It will also be a good idea to provide pictures and police report numbers to Amazon if and when they are available. If you have a dashcam, do your best to provide the footage from it. (These are the situations where a dashcam is more than well worth the investment)
You may provide this information either by telephone or email. If you email, you’ll still be likely to receive a canned response but will receive a follow up email later.
If the insurance policy needs more information from you be sure to answer all their questions when they contact you, follow their instructions regarding repair locations, and be patient. Eventually the issue will be resolved, and Amazon will pretty much take it from there.
Do you have an additional policy other than a company-sponsored Amazon Flex insurance? What do you think of the policy as it is? Let us know in the comments below!