Hit by an Amazon Delivery Van or Driver? Whose Insurance Applies

Some Amazon drivers use their own cars. Others work for delivery firms that run vans. See what Amazon says about the insurance for each one.

Who drives Amazon delivery vehicles?

Two main groups deliver for Amazon. Flex drivers work for themselves and use their own cars. Delivery Service Partners, or DSPs, are separate firms that hire their own drivers.

Amazon says DSPs are separate businesses that hire and manage their own workers. Amazon gives them support.

Each DSP must get its own delivery vehicles. Amazon has a lease deal so DSPs can rent Amazon-branded vehicles from a separate fleet company.

Two federal appeals courts have described these programs. Both were cases about arbitration, not crashes. In 2020, one court said Flex drivers then used a personal vehicle, a bicycle or public transit. In 2023, another said Amazon contracts with local delivery firms that others own. The firm in that case used Amazon-branded vehicles and hired its own drivers.

What insurance covers an Amazon Flex driver?

Flex drivers must keep their own car insurance. Amazon says it adds a business auto policy at no cost, in all states but New York. It says this policy covers only active delivery work.

Amazon says this policy has $1,000,000 of liability coverage. It also has uninsured and underinsured motorist coverage. And it has what Amazon calls contingent comprehensive and collision coverage.

Source: Amazon Flex: Safety · as of Oct 5, 2026

Liability coverage is the part that pays for harm a driver causes others. Amazon’s page also says that passengers are not covered. It does not say who that means.

Amazon’s FAQ says the policy covers only Flex drivers who are actively delivering during a block of delivery time. If someone else is driving, Amazon says the claim will be denied.

Amazon says this policy does not apply to Flex drivers in New York State. It says Flex drivers who live in New York may need extra commercial insurance.

A driver’s own policy may not help. Texas’s insurance department says most personal policies do not cover crashes while you deliver items for pay.

What insurance covers a DSP van?

The Amazon pages we read do not say what insurance a DSP must have, or how much. They say Amazon offers DSPs insurance options. We could not find who insures a given van.

Since the DSP hires the driver, ask the driver for the name of the company they work for. That name, and the van’s plate number, may help your insurer find the right policy.

Who must pay for a crash depends on the facts and on each policy. This page does not cover court cases about who must pay for these crashes.

What should I do after a crash with a delivery driver?

Get help for anyone hurt and call the police if needed. Get the driver’s name, insurance and plate number. Ask whether they deliver through Amazon Flex or for a delivery company, and get its name.

Texas, Florida and New York laws say drivers in a crash must share their name and insurance or plate details. California says so when someone is hurt.

Texas’s insurance department suggests photos of the vehicles, plates and damage, and of street signs. It also says to get the names and phone numbers of witnesses.

Tell your own insurer about the crash. If you think the other driver caused it, you can also file a claim with their insurer.

Amazon’s Flex emergency help line is for Flex drivers. The Amazon pages we read do not tell the public how to report a crash.

Where can I get help if an insurer will not pay?

Your state’s insurance office takes complaints about insurers. The NAIC, a group of state regulators, lists each state’s office on its website.

Texas Department of Insurance: 800-252-3439. California Department of Insurance: 1-800-927-4357. Florida Department of Financial Services: 1-877-693-5236. New York: file online with the Department of Financial Services.

What if I want to talk with a law firm about a delivery crash?

You can report the crash and deal with the insurers on your own. The steps above show where to start.

Some people also want to ask a law firm about an injury from a crash with a delivery driver. People’s Justice is not a law firm. We do not review your crash or recommend a lawyer. If you want, you can use the form on this page to ask to be connected with a law firm that pays us to advertise.