Amazon Flex Accidents

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Amazon Flex Accidents in Ohio & Kentucky:
What You Need to Know

Amazon Flex is a delivery platform that allows individuals to transport Amazon packages using their personal vehicles. While the flexibility of this gig-economy model is appealing, it also introduces new risks—especially on the road.

If you’ve been injured in an accident involving an Amazon Flex driver in Ohio or Kentucky, it’s crucial to understand your rights and the unique insurance issues these cases present.

What Is Amazon Flex?

Launched in 2015, Amazon Flex is a program where independent drivers—called “Flex drivers”—use their own cars to make deliveries. Drivers choose shifts (“delivery blocks”) via the Amazon Flex app and pick up packages from Amazon warehouses for last-mile delivery.

Unlike traditional delivery companies, Flex drivers are not Amazon employees. This creates legal gray areas in the event of a crash.

Amazon Flex Drivers and Increased Accident Risks

The gig model rewards speed and volume—factors that can increase accident potential:

Longer hours and more frequent driving through residential streets.
Time pressure, especially during peak delivery periods like Prime Day.
Distractions from app navigation, delivery tracking, or multitasking behind the wheel.

Who Is Liable in an Amazon Flex Accident?

In an Amazon Flex accident, liability depends on timing and insurance:

Was the driver “on the clock”? They must be actively delivering packages or en route during an official Amazon Flex block.
Amazon’s insurance is contingent. It may provide liability coverage, but only if the driver’s personal insurance doesn’t apply first.
Flex drivers are required to maintain personal insurance. Amazon provides up to $1 million in liability coverage for third-party injuries or property damage—but only when the driver is officially working.

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Important Notes for Ohio & Kentucky Drivers

If you’re hit by an Amazon Flex driver:

Get the facts at the scene. Ask if they were on a delivery block and whether the Amazon Flex app was in use.
Gather insurance details and file a police report noting any commercial delivery involvement.
Beware of misrepresentation. Some drivers may claim they were off-duty to avoid triggering Amazon’s insurance.

Knowing whether the driver was acting within the scope of their gig work is key in determining which insurance policy applies.

Tips to Protect Yourself After an Amazon Flex Crash

If you’re a Flex driver:

Maintain comprehensive personal insurance and consider a commercial endorsement.

Notify your insurer about gig driving.

Use Amazon Flex’s Emergency Help tool after a crash.

If you’re involved in an accident with a Flex driver:

Exchange insurance and app status details.

Ask directly if they were on an active delivery block.

Document the scene, take photos, and note Amazon Flex activity for future claims.

How Jones Kahan Law Can Help

At Jones Kahan Law, we understand the complexity of gig economy accident claims. Whether you’re a driver needing guidance or someone injured by a Flex driver, we can help you:

Navigate insurance coverage layers (personal vs. contingent).

Build a case for bodily injury, property damage, or wrongful death.

Pursue fair compensation through negotiation or litigation.

Schedule a Free Consultation

Don’t let a complex situation leave you without options. If you’ve been injured in a delivery-related accident, or you’re unsure about your coverage as a driver, contact Jones Kahan Law for a free consultation today.

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