Amazon Flex accident insurance in California: what's covered and how to report a crash

General information, not legal advice. This site is not a law firm and isn't affiliated with Amazon or any insurer. Company terms change, and every situation is different. Check the sources linked below and your own policy.

The short answer

Amazon says it gives Flex drivers a commercial auto insurance policy at no cost (every state except New York) with $1,000,000 of liability coverage, uninsured/underinsured motorist coverage, and contingent comprehensive and collision coverage, but only while you're actively delivering during a delivery block, and only if you keep your own personal auto insurance (Amazon Flex safety, Amazon Flex FAQ). If you're hurt, Amazon's California page says it provides Prop 22 occupational accident insurance, and you report the injury through Emergency Help in the app or at 844-311-0406 (Amazon Flex, Delivering in California).

What Amazon's auto policy covers

These are Amazon's own published terms, not California law, and they can change.

Coverage	What Amazon says	What it means for you
Liability (injuries and damage you cause to others)	$1,000,000	Pays other people if you're at fault during a block
Uninsured/underinsured motorist	Included; no limit published on Amazon's public pages	Can help if an at-fault driver has no or too little insurance
Comprehensive and collision (your car)	"Contingent"; no deductible or limit published	May help with your own car; see below
Passengers riding with you	Not covered	Amazon's safety page says passengers aren't covered

When the policy applies

Amazon's FAQ says the policy "applies only to Amazon Flex delivery partners who are actively delivering during the delivery block." Driving around before a block, or on personal errands afterward, falls back on your own policy. Amazon also says that if anyone other than you is driving when a crash happens, the claim will be denied.

Amazon's public pages don't say exactly when "actively delivering" starts, for example while you drive to the station before check-in. For its California Prop 22 benefits, Amazon says engaged time on a scheduled block starts when you check in at the delivery station and ends when you deliver your last package (or return undeliverables to the station); for an instant offer, it starts when you accept and includes your direct drive to the station (Amazon Flex, Delivering in California). That's Amazon's definition for Prop 22 pay and benefits, not necessarily for the auto policy, so if your crash happened on the way to the station, ask Amazon in writing which coverage applies.

Your car: "contingent" collision coverage

Amazon doesn't explain on its public pages what its comprehensive and collision coverage is contingent on, what the deductible is, or the limit. A 2021 version of Amazon's Flex terms of service, filed in a federal court case, described it as comprehensive/collision coverage "contingent on your personal insurance policy coverage," subject to Amazon's deductibles and limits (Amazon Flex terms, filed Feb. 19, 2021). Terms change, so treat that as background and ask Amazon Driver Support for the current details in writing.

Your other options for your car:

The at-fault driver's insurer. If someone else caused the crash, their liability insurance owes for your damage whether or not you were delivering. That can include repairs, loss of use (the reasonable cost of a similar rental while yours is fixed; see DentedValue's loss-of-use guide) and lost value.
Your own collision coverage, if your policy covers delivery driving. If your insurer says no because you were working, see what to do when your insurance denies a claim because you were driving for an app.

If you're hurt: Prop 22 coverage

California's Prop 22 requires app-based delivery and rideshare companies to carry occupational accident insurance for drivers' injuries while online, with medical expenses up to at least $1,000,000 and disability payments of 66% of average weekly earnings across all apps for up to the first 104 weeks (B&P §7455(a)).

Amazon's California page says that "for package pickups originating in California," it provides occupational accident insurance for on-the-job injuries that includes:

Medical expenses up to $1,000,000.
Disability payments of 66% of your average weekly earnings, including tips, from all delivery and transportation companies, subject to minimum and maximum limits.
Burial expenses up to $10,000.
Accidental death benefits for a spouse, children or certain other dependents.

Amazon says the policy is underwritten by Homeland Insurance Company of New York, and the actual policy terms control if they differ from the summary (Amazon Flex, Delivering in California).

A wording gap to know about. The statute ties the coverage to being online (B&P §7455(a); "online" is defined in B&P §7463), while Amazon's page describes injuries "while delivering with Amazon Flex." If you were hurt at a moment that doesn't fit neatly, such as waiting for an instant offer with the app's Online toggle on, file the claim anyway and ask the insurer to explain any denial in writing. The law also lets the coverage exclude injuries during personal activities (§7455(d)).

If another driver caused your injuries, you may also have a claim against that driver.

What to do after an Amazon Flex crash

Stop, check for injuries and call 911 if anyone is hurt. California requires drivers in a crash to stop, exchange information and help anyone injured (Vehicle Code §20002, §20003). Amazon says to call 911 before its own helpline when you need emergency services.
Use Emergency Help in the app. Amazon says the Emergency Help button in the app's main menu lets you contact 911 or the Amazon Emergency Helpline to report an accident (Amazon Flex safety).
Screenshot your block and itinerary (block time, check-in, the stop you were on). It shows you were actively delivering.
Get the other driver's name, license, plate and insurance, plus photos of both cars, the scene and witnesses. Save dash cam video right away (see recording with a dash cam in California).
Report any injury for Prop 22 through Emergency Help or 844-311-0406. Amazon says to have the date, time and place, what happened, your injuries, any police report, and medical paperwork and receipts ready (Amazon Flex, Delivering in California).
Ask Driver Support (Amazon lists 888-281-6906) for the auto claim details: the insurer, claim number, deductible and what the contingent collision coverage requires. Get it in writing if you can.
Open a claim with the other driver's insurer if they caused it.
Tell your own insurer the truth about the delivery. Knowingly giving false or misleading information about a material fact in a claim is a crime (Penal Code §550).
File an SR-1 with the DMV if required. If anyone was hurt or any one person's property damage is over $1,000, the driver must report it within 10 days (Vehicle Code §16000). DentedValue's SR-1 guide walks through it.

Deadlines

The general deadline to sue over an injury caused by someone else is two years (CCP §335.1); for damage to your car it's generally three years (CCP §338(c)(1)). Insurance and app reporting expectations are much shorter, so report right away.

How Amazon Flex compares with other apps

Amazon's listed coverage differs from what DoorDash and Uber describe for deliveries. DoorDash and Uber both say their delivery insurance doesn't fix your car; Amazon lists contingent collision coverage. See DoorDash car accidents in California and Uber Eats car accidents in California. If you also drive rideshare, rideshare insurance periods in California explains the different rules for passenger trips.

Common questions

Does Amazon Flex cover car accidents?

Partly. Amazon says it provides a commercial auto insurance policy at no cost in every state except New York, with $1,000,000 of liability coverage, uninsured/underinsured motorist coverage, and contingent comprehensive and collision coverage. Amazon says it applies only while you're actively delivering during a delivery block, and only if you keep your own personal auto insurance. These are Amazon's company terms, not California law.

Will Amazon Flex insurance fix my car?

Maybe. Amazon lists contingent comprehensive and collision coverage, but its public pages don't explain what it's contingent on, the deductible or the limit. Ask Amazon Driver Support for the details in writing. If another driver caused the crash, you can also claim against that driver's liability insurer.

What's the Amazon Flex accident claims phone number?

Amazon's California Prop 22 page says to report an injury or start an injury claim by pressing Emergency Help in the Amazon Flex app or calling Amazon's Emergency Helpline at 844-311-0406. Amazon lists Driver Support at 888-281-6906. In an emergency, call 911 first.

Am I covered if I get hurt delivering for Amazon Flex in California?

Amazon's California page says it provides occupational accident insurance under Prop 22 for package pickups originating in California: medical expenses up to $1,000,000, disability payments of 66% of your average weekly earnings from all apps (with minimum and maximum limits), burial expenses up to $10,000, and accidental death benefits for dependents. Amazon says the policy is underwritten by Homeland Insurance Company of New York.

Should I tell my own insurance company I was delivering for Amazon Flex?

Yes, tell the truth. Knowingly giving false or misleading information about a material fact in an insurance claim is a crime in California (Penal Code §550). If your insurer denies the claim because you were delivering, that's a coverage question you can push back on; hiding it creates a much bigger problem.

Does Amazon's insurance cover someone else driving my car on a Flex block?

No. Amazon's FAQ says that if anyone other than the Amazon Flex delivery partner is driving when an accident happens, the claim will be denied. Amazon's safety page also says passengers aren't covered.

Do I need special insurance for Amazon Flex in California?

Amazon requires personal auto insurance that meets your local requirements and says to maintain the insurance required for delivering packages in your area. Amazon's own policy only applies during a delivery block. Ask your insurer in writing whether your policy covers package delivery and, if not, what it would take to add it.

Sources

The sources this guide cites. We check the guide against these sources before publishing and each time we review it.

Published November 1, 2026 · Last reviewed November 1, 2026 · How we write and review guides