Knowing the Insurance Policies of Amazon’s Drivers After a Crash

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( — August 1, 2022) — Driving for Amazon Flex can seem confusing at times because of the way their insurance policies are written. Furthermore, the basis for making a claim is constantly changing. After getting into a car accident, there are a few things you should know about the insurance policy.

As an Amazon Flex driver, you are required to obtain a personal insurance policy. However, commercial driving is not covered under any personal auto insurance policy.

The Amazon Flex Insurance Policy

The Amazon Flex policy only covers the car accident with an Amazon driver if they are actively driving for the company. The following explains the details of the policy and when it is active or not:

  • If you are driving for personal reasons your regular auto insurance covers you.
  • If you are driving for Amazon Flex, the commercial insurance covers you.
  • Under Amazon Flex coverage, you have a third-party liability amount of $1,000,000 for bodily injury incurred in an accident.
  • You have $50,000 comprehensive coverage as long as comprehensive coverage currently exists on your personal policy. If not, then you will be fully responsible.
  • The coverage amount for underinsured or uninsured motorists is $1,000,000 and protects against drivers who cause an accident and have no insurance or an insufficient amount of insurance. The driver is also covered if a hit and run occur.

Circumstances Leading Up to Accident

Different circumstances may surround your accident case. These circumstances may involve your ability to sue either the driver`s insurance or the Amazon Flex insurance provider if the other driver was actively working and driving.

If you are involved in an accident with an Amazon Flex driver, you must be able to identify the exact cause of the accident and who was at fault. Once these facts are known, you will know who to go after for compensation.

It is important to remember that you may have difficulty using Amazon Flex directly. The driver is considered an independent contractor who makes and works their own schedule and takes the delivery route that is convenient for them. If you feel like you may have difficulty collecting compensation, you should contact an attorney.

What to Do Following the Car Accident

Now that you know how the Amazon Flex insurance policy works, there are a few things to do after your accident:

  • First, you should be examined by a doctor regardless of whether you experiencing any pain.
  • Collect copies of all medical treatment records.
  • Ensure that you have the full police report of the accident.
  • Document the crash scene by taking photos and videos of the vehicles and the surrounding area.
  • Attempt to obtain proof from surveillance cameras. This video will come in handy as a claim is handled through Amazon Flex insurance.
  • Lastly, ensure that witness statements are obtained by having bystanders or other witnesses interviewed.

The motorist driving for Amazon Flex at the time of the accident should provide proof that they were driving for the company. This will help activate the commercial coverage.

If the police show up before you are treated, ensure that you have a copy of their investigation and ensure that no detail is omitted. It is vital to seek medical care after a collision. Even if you feel fine, you might have suffered injuries that will manifest later.

Furthermore, you should ensure that you have the Amazon Flex Policy insurance information written down such as:

  • The driver’s name
  • Policy number
  • Direct phone number to call

You can also obtain the driver’s details such as their license number and license plate number.

Final Thoughts

The aftermath of a traffic accident can be a confusing period. If one of the vehicles involved in the crash was an Amazon car, filing a claim can be more complicated. However, a lawyer can help you identify the at-fault party and navigate the insurance process.