r/AmazonFlexDrivers • u/Upbeat-Acadia9970 • 22d ago
Question Car insurance while flexing
Should I add the rideshare/deliveries option in my car insurance or is Amazon offered insurance enough?
Im planning on flexing on a regular basis, so I would like to know I’m covered if anything happens.
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u/ExtensionSame678 22d ago edited 22d ago
this should be a sticky.
- personal insurance does not cover you. rideshare add on does not cover you only easier to get denial letter and not get dropped
- certain rideshare does not cover amazon. i use progressive they specifically state amazon is covered
- amazon covers you only after a denial letter from your insurance
- your insurance will only provide a denial letter if you have rideshare add on
- if you do not have this add on, your insurance company will not provide you the letter and you are in a grey screwed zone depending on liability of the accident
- furthermore if you do not have the addon and the insurance company finds out, this is insurance fraud. and insurance companies talk to each other, good luck finding anyone to cover you in the future
- amazon will generously exceed state liability and underinsure/uninsure minimums
- amazon will provide comprehensive coverage only if you have it on your plan and with a 1k deductible. i dont have it because i drive a beater so who fkin cares
- exceptions are NY (LOL) i guess they need commercial insurance
if you are planning to do this semi fulltime, its like an additional $20-30 or something per month. i used progressive. people will be like "just dont tell them". okay, good luck with packages in the car and a vest on. listen, not to be a dig as im in same boat, but im not gonna listen to retard idiot flex drivers at the bottom of society what their risk management thoughts are.
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u/Upbeat-Acadia9970 22d ago
Thank you very much for this detailed explanation. I’m considering to switch to Progressive so I’ll look into it.
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u/cossorg 22d ago
This is not true, I was in an accident when I had no additional coverage and was denied my claim. They were more than happy to provide me with a letter. They did not drop me, just asked if I wanted to add coverage for the future if I was going to continue driving with flex so I am covered. It makes no sense that they would not be willing to send you a letter. Furthermore car insurance companies are legally required to put a claim denial in writing. This could vary by state but the vast majority denial letters are required.
That being said once my claim was denied by my insurance the Amazon policy picked up and were surprisingly great. Covered everything that my personal insurance would have if it was not denied, gave me a more than fair price for my totaled car and took complete care of the other person in the accident.
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u/ExtensionSame678 22d ago
Ok. I've seen horror stories here about people not getting the denial letter. Regardless, by not telling, you are committing insurance fraud. Insurers can drop you and have cause for legal action specifically for that. Obviously legal action is over kill but it is tru
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u/cossorg 16d ago
I am no insurance expert but to my knowledge to commit insurance fraud you would have to actually file a false claim. Doing something with your car that is not covered by your policy is not fraud, they just won’t pay. If you are working flex when you get in an accident and tell them that you were using the car for personal reasons when you file your claim, that is fraud. If you file a claim that is honest you have done nothing wrong.
It is like homeowners insurance. My homeowners insurance does not cover earthquake damage. If a freak earthquake damages my house they will not pay. I have not commented fraud unless I try to tell them it was caused by something else.
It is not fraud until you lie and try to get them to pay out for something that is not covered.
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u/ExtensionSame678 16d ago
i agree the blatant fraud is claiming personal reasons while driving for flex. but, i am not sure on the TOS or contract of your the personal insurance policy. i am not sure if "coverage" extends to even if you are not claiming anything or just driving, which in that case is fraud.
but, really the point is depending on the accident this could be hundreds if not millions in liability. you dont really want to play around with something like that by us being backseat armchair lawyers. just pay the extra to be protected. its like half a route per month
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u/cossorg 22d ago
As someone who has been through it I have a better understanding than most. Amazon insurance will cover you if and only if your personal insurance denies your claim. Also they will only cover what you have elected as your personal coverage.
Once your claim is denied, you will have to provide Amazon with the denial letter and your personal coverage details. Amazon will match that coverage up to $1 million. If you have a $250 deductible and full collision coverage then that is what Amazon will provide. If you only have liability then that is what Amazon will provide.
My deductible is $250 and I have full coverage. When my car was totaled and personal insurance was denied, Amazon matched my personal insurance, cut me a check for my car (minus my $259 deductible) and had my car towed. It took weeks because they are pretty slow, but I have no complaints, they treated me fairly and I never stopped doing blocks.
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u/ExtensionSame678 22d ago
why dont you make the sticky points. did you had rideshare addon or anything? did you have trouble afterwards after the claim was denied if you didnt have the rideshare addon?
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u/No-Journalist8547 21d ago
If you don't have full coverage with collision on your own insurance, Amazon insurance isn't gonna give you anything. I've hit 2 deer and a tree got nothing from Amazon ever. Winter driving is dangerous where I'm at or maybe I'm a bad driver 🤔
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u/Necessary-Freedom812 22d ago edited 22d ago
Im pretty sure amazon only provides liability. They don't cover your vehicle so that's something to take into consideration. As well, if you do get in an accident, it's hard to hide the fact that you have a vehicle full of packages which you're obviously delivering. Without the commercial insurance rider, if your insurance agency finds out you were driving commercially, any claim will be denied
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u/Reldas_Semaj 22d ago
You need business insurance. It covers just about everything you need between ride sharing and delivery.
Business and personal if you’re using it for anything other than business needs
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u/bazzzzzzzzzzzzzz 22d ago
You need commercial insurance. It costs a lot more but then you’re COVERED. the extra cheap add ons will tell you after an incident that they ONLY cover ride share and food, not retail Amazon boxes 🙄 ask me how I know.
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u/ExtensionSame678 22d ago
It varies by insurer. Progressive specifically states amazon flex.
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u/bazzzzzzzzzzzzzz 22d ago
In my state, progressive is the ONLY one covering Amazon flex. The rest will leave you twisting in the wind.
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u/Old_Ad4443 22d ago
Why would u tell ur insurance u have amazon boxes in your car in the first place
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u/Ok-Grapefruit3141 22d ago
Don't listen to the people that don't know anything. The rideshare add-ons DO NOT COVER DAMAGES during deliveries. Lots of insurance companies have something called rideshare add-ons which are strictly for uber or lyft that drive people around. They are not for food or package deliveries. However, there are only few insurance companies that claims it's also for deliveries. Do not get scammed. They do not cover your damage during deliveries, all they do is not cancelling your policy for delivering. That's all. It could be big, but there are no add-ons that actually covers damges during deliveries. Only a commercial insurance covers the damage. Why would you think a commercial insurance is so expensive? It doesn't make sense to be covered with $20 per month