Launched in 2015, Amazon Flex is a gig-driving program that lets individuals deliver Amazon packages using their own vehicles. Drivers (a.k.a. “Flex drivers”) choose delivery blocks via the app, earn an hourly rate depending on location, and enjoy flexible schedules. Flex drivers pick up packages from Amazon facilities and complete last‑mile deliveries to customers—mirroring services like DoorDash or Uber Eats, but with Amazon parcels .
Accident Risks on the RoadWhile the flexibility is appealing, delivering more packages in less time can increase accident risk:
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More frequent and longer drives, often through busy residential areas.
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Time-pressure to finish delivery blocks—especially during busy periods like Prime Day.
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Distractions from app navigation and time tracking.
When a Flex Driver Causes a Crash Who’s Responsible?
While every case is different – and requires a more thorough analysis – some general rules apply regarding Amazon’s liability:
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The driver must be “actively delivering”—i.e., on a scheduled block with packages in the car.
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They must have personal comprehensive and collision insurance to complement Amazon’s contingent coverage.
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Amazon’s policy may kick in to protect third-party liability, covering bodily injury, and property damage. The policy may also cover uninsured/underinsured motorists.
What Ohio & Kentucky Drivers Should Know
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If you’re hit by a Flex driver, document everything: their insurance info, whether they were on a block, and whether the Flex app was open.
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Check accident reports carefully; as drivers might claim personal errands, avoiding Amazon’s coverage.
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Understanding each party’s insurance coverage timeline (personal → Amazon’s contingent policy) is crucial in mediation or settlements.
Takeaway — Tips to Protect Yourself
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Flex drivers:
‑ Always keep personal comprehensive and collision coverage active.
‑ Notify insurers of commercial driving or arrange for a commercial endorsement.
‑ Use the app’s “Emergency Help” function immediately after a crash. -
Involved in a collision with a Flex driver?:
‑ Exchange insurance and app status details.
‑ File a police report and note any app use (“delivery block” status).
‑ You may need to pursue compensation via the Flex‐driver’s liability coverage—potentially through Amazon’s liability or from their personal policy.
Why This Matters for You
Gig work is growing in Ohio and Kentucky. But with that growth comes new avenues for auto accidents and insurance coverage disputes. At Jones Kahan Law, we help accident victims walk through these complex cases—whether it’s investigating coverage, filing claims, or safeguarding your rights.
If you’re ever struck by a delivery driver—or you’re a driver yourself needing legal advice—our team is ready to guide you through every step.
Want to Learn More?
Contact Jones Kahan Law for a free consultation. We can break down your coverage options, responsibility boundaries, and the full extent of your rights—especially when delivery gigs are involved.
