Amazon Flex FAQs and Insurance Claims

Amazon Flex is an excellent program for anyone looking to make extra income with their vehicles. Amazon offers independent contractors insurance plans that match the hire-and-reward work model.

Considering the limited extent of the Amazon Flex insurance plan, it’s advisable to acquire individual commercial insurance coverage. You’ll still face accident risks like distracted driving, poor weather, theft, vandalism, or other misconduct by other drivers.

With all of this in mind, it’s prudent to consult a commercial car insurance professional regarding the best insurance plan for your vehicle while working under the Amazon Flex program. 

Read on to learn more, and contact our insurance professionals about your specific insurance needs.

Amazon Flex FAQs

Does Amazon Flex Provide Drivers With Insurance Coverage?

Yes. Amazon provides commercial coverage to its drivers who are contracted to make deliveries. The plan offers comprehensive coverage, liability coverage, uninsured and underinsured motorist coverage, and collision coverage.

Even so, the Amazon Flex coverage has the following exceptions:

1. It doesn’t cover passengers.
2. Anyone who makes deliveries on your behalf is not covered.
3. The coverage applies when you’re actively making a delivery

Why Do You Need Commercial Car Insurance When Making Amazon Flex Deliveries?

Whenever you use your personal car to do business, e.g., Amazon Flex, you automatically violate the terms of your insurance policy. Moreover, a personal insurance policy prohibits vehicle owners from doing courier or delivery work.

With that in mind, you need a commercial insurance policy for adequate protection and compliance with Amazon Flex requirements.

How Much is Amazon Flex Insurance?

Drivers are automatically covered and don’t need to pay for their insurance because Amazon caters to their commercial auto insurance coverage. 

However, the cost of an individual commercial insurance plan depends on the driver’s age, claims history, gender, vehicle make and model, credit score, and driving record.

Common Amazon Flex Insurance Claims

Theft

It’s devastating to find your vehicle missing from a parking lot. Criminals can target a vehicle for robberies, re-sale of parts, or drug trafficking. If authorities don’t recover your car, the comprehensive insurance coverage refunds the car’s value less deductible.

Windshield Damage

The most common causes of windshield damage include rocks and gravel dislodged from the road by tires. Alternatively, stress from extreme temperature changes can cause windshield cracks.

Drivers who carry comprehensive coverage are reimbursed for either repair or replacement of the damaged windshield.

Injury Claims

Many car accidents result in injuries of varying degrees of severity. Common injuries involving Amazon Flex cars include whiplash, spinal cord injuries, broken limbs, and brain injuries. 

Single-Car Crash Claims

There are many single-car collision claims where drivers accidentally hit objects like walls, street lamps, or road barriers. The common causes of single-car crashes include distracted driving, poor weather conditions, and speeding.

A typical commercial car insurance plan covers related collision damages.

Speak to an Experienced Amazon Flex Car Insurance Professional

Owning a vehicle is one of the qualifications for joining the Amazon Flex Program. An additional personal insurance policy will protect you further when making deliveries. At Panorama Insurance Agency, we use our experience and personal touch to offer an insurance plan that matches your needs. 

Contact us online or call us at 818-306-4890 for more information.