What to Know About Amazon Flex Insurance Coverage
As one of the biggest delivery services in the nation, Amazon Flex is used by many different drivers across the country. Like other delivery programs, there is always a risk of car accidents happening. Adverse weather and negligence can lead to major injuries.
Because of the accident risk, drivers need to have an insurance policy and auto liability coverage. Amazon offers this kind of coverage to its drivers, but the corporation does not always approve claims. If you are unable to get the compensation you deserve from Amazon, a California car accident attorney can help you pursue a personal injury claim.
How Amazon Flex Insurance Works
As a delivery driver for Amazon, you can get free commercial car insurance coverage. Currently, this insurance policy covers $50,000 in damage to your vehicle. If you are in a crash with an uninsured or underinsured driver, it will provide you with $1 million in injury protection and damage coverage. For other drivers, you can receive $1 million in liability coverage.
It is important to remember that Amazon’s coverage only applies if you are actively driving for Amazon. If you are delivering for a different business, the coverage stops. Additionally, Amazon’s insurance does not cover personal driving. If you are done working for the day, Amazon’s coverage stops.
When you drive for Amazon, it is important to get the right policy. Delivery drivers have a higher accident and fatality rate than other drivers, so you are more likely to need your insurance coverage. Plus, California law specifically requires you to purchase insurance for your vehicle.
Many drivers enjoy using Amazon Flex because it is provided for free. You do not have to get a car insurance quote to qualify for your coverage. While it only works when you are delivering, returning or picking up packages, it is cheaper than getting commercial coverage through a traditional insurer.
If you are driving for a company other than Amazon, you will need to invest in commercial coverage. You will also need personal coverage if you use your vehicle for personal purposes. It is important to always get the right coverage for your vehicle. Otherwise, your insurance company may not cover you following an accident.
Do Drivers Get Liability Coverage?
Amazon’s insurance includes auto liability coverage. It also includes contingent comprehensive, collision, uninsured motorist and underinsured motorist coverage. Even though Amazon provides coverage while you are delivering packages for Amazon, the corporation requires you to get personal auto insurance that you can use when you are not working. You may need added insurance packages if you are driving a borrowed or rented car.
With Amazon’s liability coverage, you are covered during each incident for up to $1 million. Even if the accident is ruled your fault, you should be covered. After an accident, you are expected to pay a deductible worth $1,000 for contingent comprehensive and collision coverage. Once the deductible is paid, you can get up to $50,000 in compensation to cover the damage to your personal vehicle.
There is a major catch with Amazon’s insurance coverage. According to Amazon, you are required to have a personal comprehensive and collision policy as well as their policy. If you do not have a personal policy, Amazon’s policy will not cover you.
As long as you have a personal policy, you are covered under Amazon’s plan. This means you can get liability coverage for free. The only drawback is that coverage only works while you are working. Even if you follow every rule, you will only be covered for accidents that happen while you are actively delivering for Amazon.
Why You Need Uninsured and Underinsured Motorist Coverage
While California law requires drivers to purchase an insurance policy, some drivers do not follow the rules. Because of this, it is important to get uninsured and underinsured motorist coverage for your vehicle. This coverage kicks in when the other driver does not have liability coverage.
If you get in an accident, uninsured and underinsured motorist coverage will help you avoid out-of-pocket costs. The car insurance company has to cover the cost of the damage. Then, the insurer can try to recuperate these costs from the other driver. Meanwhile, you do not have to worry about the damage to your vehicle.
When you drive for Amazon, you are covered by uninsured and underinsured motorist coverage. As long as you are actively delivering or picking up products for Amazon when the crash happens, you can get $1,000,000 in coverage. This coverage can pay for medical costs and vehicle damage.
How Do Accidents Happen to Amazon Delivery Drivers?
When they drive for Amazon, drivers are able to work specific delivery blocks. Each block is two hours long, and they can be bid on by drivers. Even if drivers finish all of their deliveries early, they will still get paid for the entire two hours. Unfortunately, the reverse is also true. If it takes six hours to complete your two-hour block, you are only paid for two hours of work.
To drive for Amazon, you must be at least 21 years old. Other than owning your own vehicle, you are also required to pass a background check. You must have car insurance, a clean driving record and a valid driver’s license.
Whether the deliveries take one hour or five hours, Amazon pays drivers the same amount. Because of this, many drivers rush as quickly as they can to complete their deliveries. As a result, Amazon drivers are more likely to get into car accidents. The following activities and problems can make Amazon delivery drivers more likely to get into a wreck.
- Running red lights.
- Driving while tired.
- Forgetting to use hazard lights while delivering products.
- Merging incorrectly.
- Driving under the influence of alcohol or drugs.
- Not signaling while turning.
- Driving carelessly during bad weather.
- Having vehicle defects.
- Driving through a stop sign.
How Can You Get Injured While Driving for Amazon?
Unfortunately, there are many different injuries that can happen if you are a delivery driver. Because of this, it is important to have auto liability coverage. If your insurer will not cover your injuries, a car accident attorney in California can help. While many different kinds of injuries can occur, the following types are the most common.
- Collapsed lungs.
- Tears to your knee tendons.
- Crushing injuries.
- Traumatic brain injuries.
- Broken ribs.
- Damage to your neck or spinal cord.
- Hip and knee injuries.
- Brain damage.
- Dislocations and broken bones.
- Puncture wounds.
- Nerve damage.
Unfortunately, most insurance companies do not want to cover medical costs. They will often fight to reduce your payout. If Amazon Flex or your personal insurance coverage will not cover the cost of your accident, a skilled attorney can help you file a personal injury claim.
What Should You Do After a Car Accident?
If you have been in a car accident, you should start by seeking medical treatment. You can call an ambulance or have a different driver take you to the hospital. It is important to get emergency treatment because adrenaline can temporarily mask the effects of an accident. You should keep track of any prescriptions and medical documents you get from the hospital.
Once you are safe and have received medical care, you should document the damage to yourself and your vehicle. Photographs, dashcam footage and surveillance videos can help you build your case in the courtroom. Ideally, you should get statements from passengers, bystanders and witnesses from the scene of the accident. You can also ask the police to give you a copy of the police report.
In order to get Amazon Flex to cover the accident, you must show that you were working when the accident occurred. To do this, you should take a screenshot of the app and save it. Additionally, you should collect insurance details and contact information from everyone who was involved in the accident.
Should You Get a Car Accident Attorney in California?
If your insurance policy will not cover the accident, you should get the help of a lawyer in California. Your auto liability coverage should cover your accident if you were driving for Amazon when the accident occurred. Unfortunately, many insurers will try to fight car accident claims.
With your car accident attorney, you can file a personal injury claim and build your case. A California law firm can help you understand your legal rights. To learn more about filing a personal injury claim, contact a top car accident attorney at JT Legal Group today.