Amazon does provide a commercial auto insurance policy for their delivery partners, covering both independent contractors and employees. Contracted drivers are also required to carry personal insurance coverage that meets their state’s minimum requirements.
Amazon’s commercial insurance policy provides liability coverage, comprehensive and collision coverage, and uninsured/underinsured drivers’ insurance. If the driver is making an active delivery at the time of the accident, the victims may be able to file a claim under Amazon’s insurance policy. However, if the accident happens while the driver is off the clock, the driver’s personal insurance policy will come into play.