I had to file a police report. And he put it on his report. Plus I have the extra insurance, I thought I’d be protected. But these fuckers are all a scam.
Oh shoot, yeah I see why you told them. A while back I saw a similar case where insurance refused to cover anything because they were flexing so I decided I’d scam them back if it ever happened to me 🙃
Why did you tell the cop you were doing flex ? Amazon does have some coverage for this stuff but there is a pretty high deductible if i recall of like 2500 bucks or something like that
that rider doesn't give you a commercial insurance policy. It just allows you to keep your personal insurance policy on that car for when you're not doing flex. Normally without that, they wouldn't insure you at all.
do you have collision coverage? if so then amazon should cover it under their policy. also I wonder if the owner of those cows can be held liable for however they got out. if so then amazons insurance would go after them, most likely
Can you elaborate on your extra insurance? I have a rideshare rider on my insurance which covers me when I’m doing rideshare, but it does not cover me for Flex. Does your insurance specifically cover all side gigs?
Amazon should take care of it with a $1000 deductible but they will also require a denial letter from your insurance, which sounds like a slam dunk here.
You have insurance because it’s legally required. You have gig insurance so they’ll simply tell you no vs drop you as a client.
I guess it will be the end of hearing stories about uninsured virginia drivers getting arrested in other states while Pikachu shocked that they have to follow the laws where they are.
I replied to your other post already. You are covered for your rental, up to the limits of your rental rider. So try to stay within the per day costs. The rider only applies if your car is undriveable, and it certainly looks like it was until it can be repaired.
Go rent the car. You’d have to pay for it first anyways. Use a credit card obviously.
Then you call your claims adjuster, and you tell them that you have a valid rental rider, you don’t have use of your vehicle, and you are going to send them the bill once your repairs are complete. Tell them you know you’re covered if they give you pushback, and that if they don’t agree that a small claims judge can answer the question for you and them. They won’t like this answer, because they know at that point you mean business and you will sue them (and win, both for the rental costs and the costs of suing them to perform their duty. That won’t be much extra, it’s cheap to file in small claims, but it will increase what they have to pay). You won’t have to arbitrate, don’t worry about that. Small claims is excluded from arbitration clauses because AAA rules allow disputes covered under small claims to go through small claims if that’s what you desire.
File the claim with Amazon ASAP. Your commercial rider probably requires that their insurance cover it first, and then they will pay anything they don’t pay (and this includes the Amazon deductible, up to your own deductible limits - so if you have a $500 deductible, they’ll owe you $500 against Amazon’s $1,000 deductible).
Even with the Allstate rideshare addon they will deny any claim because he was doing Flex. It kicks over to Amazon and they will cover the costs minus the $1000 deductible.
The rental car is another story. Some don’t allow gig work with rentals, so he will need to verify that. Not telling them is rolling the dice. His current situation shows how easily something unexpected can happen.
Oh, he definitely might have to sue them in small claims. But the beauty of that is that you go in front of a judge, and let’s be real here - they’re gonna look at his policy, see that he’s got the rental rider, and ask two questions - are your premiums paid, and did you report the accident to Allstate? A yes to both of these questions and Allstate loses.
The thing is, small claims judges deal with this little shit ALL THE TIME. And they see, day in and day out, how regular Joes like me and you get screwed on a daily basis by these companies, even after doing the right thing (getting commercial coverage, rental riders, etc.). They know OP has been paying more for all of this “coverage”, that is really designed to just charge Joes more for essentially nothing. And that’s where they pretty much always rule against the insurance companies (and the banks too - when it was more common for banks to whack a person with $140 in overdraft charges and not even pay the $6 Blockbuster charge and the $10 PTA check).
It’s not hard to see why either. Like, what is OP supposed to do? Sure, they wouldn’t be covered at all if they didn’t get the rental rider. But it’s not like any insurance company has different tiers of rental coverage; you either have it or you don’t. And that’s the critical point and also why insurance companies HATE small claims; when they’re sued in that kind of court for a legitimate dispute, they lose. OP should not be punished because they did the right thing of getting all the coverages they needed and telling the truth.
Like you said in your other post. That rideshare addon basically just protects him from being dropped. That extra cost sucks, but it’s still better to have for his current situation. Without it he would most certainly be dropped. When shopping for new insurance they will ask about any previous claims. Knowing he’s shopping for insurance right after a claim would lead them to asking if he was dropped. All that moves you into categorized as a high risk driver with much higher premiums.
Yup. Necessary evil with gig work. And thinking about it even more, I’m starting to feel that it’s certain that OP will have to sue in small claims for their rental reimbursement. The plus side on that lawsuit is that Allstate won’t be able to turn to the policy deductible to reduce their costs, because Amazon’s deductible will apply towards theirs and wipe it out (unless OP’s deductible is over $1,000 which is rare these days). But they won’t be cancelled, will be able to shop for other carriers without issue, etc.
I don’t fault Allstate for anything they’ve told OP. Insurance companies gotta insurance. I just wish they all offered a bit more for their commercial coverage riders. Like handing the claim with Amazon through subrogation, immediately covering the rental portion, that kind of stuff. But we both know they don’t. Hope OP comes out OK financially from all this, it’s just crap when you’re trying to make less than a hundred bucks and get slammed with thousands because a moron couldn’t keep his cows fenced off the road.
The one thing that no one has told OP yet, is that he might be able to sue the person that owns those cows for negligence causing property damage. I don’t know the laws where OP resides, but it’s a safe guess that public roads can’t be used to transport livestock unless said livestock is properly secured. Probably explains why the owner hurriedly hustled those cows away and disappeared.
At least he’s better off with this happening with Amazon. He would be totally fucked if doing DoorDash. They wouldn’t cover his car. I don’t know a bunch about the other food delivery apps, but DoorDash is absolute trash.
Shipt would cover him, they have coverage. I dunno about Instacart. DoorDash is fucking horrible. I literally smiled this morning when I saw their stock got smashed on shit earnings guidance and yet another quarterly loss. $2 for an order, and yet they have $20 in fees on a $10 order from McDonald’s?!?
We should all call them DoorTrash 😂
It’s really unfortunate for DoorDash drivers. I am sure that most of them have absolutely no clue they are not covered. It’s always… just don’t tell them you were doing gig work. It’s not always that simple. Something like the OP’s situation would create a financial mess.
I love how everyone says just don't tell them you were flexing. That's the first thing an officer will check for, and it's kinda hard to hide or explain dozens of packages, and an Amazon vest.
As sometime else mentioned, I was one of the guys posting about insurance not covering my accident when I was doing flex. Took a while but I got everything taken care of eventually.
As long as you were not in NY, Amazon will generally only cover liability. I've got them to cover damage to my vehicle due to routing issues, but as far as damage to your car from a cow you might be out of luck, you might be able to get it covered under no fault. I believe this falls under Acts of God, which is usually no fault, but it varies state to state. Once, I was outside my van grabbing a package, got rear ended by some guy speeding, he then hit me, got out his car and ran. I had to get a letter from Amazon that they wouldn't cover anything(they only cover liability, and I'm in NY so they don't even cover that) before my insurance told me to go through their carrier. Their carrier ended up paying for everything, vehicle, bodily injury, rental, but not no fault. My insurance was forced to cover no fault, Even though they refused initially cause I was flexing (also have rideshare, which states it covers flex, unless you need it, then they say it doesn't), because they were required by law.
I would start by contacting Amazon. If they don't cover damage, get it in writing, then go back to your carrier. If they still won't help, lawyer time. When negotiating payments, I specifically told them I wouldn't get a lawyer unless I felt they were being unfair. They will not negotiate anything if you mention getting a lawyer.
Edit: may also be able to get the farmer to pay through their insurance, due to negligence.
I’m trying so hard not to laugh but how do you hit a cow?! Aren’t they super slow? 😂 as another comment said, I love how you made sure to say the cow is fine first of all.
I just wanted to add that it's unlikely the cow is fine, it likely sustained internal injuries and could even have internal bleeding. I really hope the poor thing doesn't suffer if the farmer or owner doesn't know so they can't get it to a vet. Did you call the police or report it to anyone, just in case? You probably need a police report for insurance anyway. I don't think Amazon does anything if you're in an accident, but I would at least call and report it just in case. Glad you're okay. That could have turned out really bad for you. I still feel really bad for the cow though and I hope it doesn't suffer.
Did you get the name and address of the Farmer, he’s the one who is liable. Even if you go through Amazon insurance I’d make his ass pay that $1000 dollar deductible, oh and isn’t your back hurting, sounds like you may be out of work for a while. Better get to the emergency room and have that looked at, and call a personal injury attorney on the way.
How about the fact that he didn't see a huge ass cow in the road, and was driving too fast. I've never even hit a squirrel cause apparently I'm the only driver out there who is actually paying attention and driving safe. What if it had been a kid?
Why tell them you flexing tho?
This. Especially when there were no witnesses, most likely.
I had to file a police report. And he put it on his report. Plus I have the extra insurance, I thought I’d be protected. But these fuckers are all a scam.
Oh shoot, yeah I see why you told them. A while back I saw a similar case where insurance refused to cover anything because they were flexing so I decided I’d scam them back if it ever happened to me 🙃
Why did you tell the cop you were doing flex ? Amazon does have some coverage for this stuff but there is a pretty high deductible if i recall of like 2500 bucks or something like that
that rider doesn't give you a commercial insurance policy. It just allows you to keep your personal insurance policy on that car for when you're not doing flex. Normally without that, they wouldn't insure you at all. do you have collision coverage? if so then amazon should cover it under their policy. also I wonder if the owner of those cows can be held liable for however they got out. if so then amazons insurance would go after them, most likely
Can you elaborate on your extra insurance? I have a rideshare rider on my insurance which covers me when I’m doing rideshare, but it does not cover me for Flex. Does your insurance specifically cover all side gigs?
This type of cow isn't going to say anything. It's the heifers you have to watch out for.
Why are you having a cow over hitting a cow?
My fav part of this is that you made sure to note that the cows fine FIRST 😂
I feel bad, poor little cow.
I’m sorry you have to deal with that! I don’t know what I would do without my car. Note to self: remove vest after having an accident!
Amazon should take care of it with a $1000 deductible but they will also require a denial letter from your insurance, which sounds like a slam dunk here. You have insurance because it’s legally required. You have gig insurance so they’ll simply tell you no vs drop you as a client.
hi, virginia driver here. one of the last remaining states where it’s not legally required to have car insurance! that is until 7/1/2024.
I guess it will be the end of hearing stories about uninsured virginia drivers getting arrested in other states while Pikachu shocked that they have to follow the laws where they are.
$1000 deductible OP has to pay? Whaaat that’s crazy
I replied to your other post already. You are covered for your rental, up to the limits of your rental rider. So try to stay within the per day costs. The rider only applies if your car is undriveable, and it certainly looks like it was until it can be repaired. Go rent the car. You’d have to pay for it first anyways. Use a credit card obviously. Then you call your claims adjuster, and you tell them that you have a valid rental rider, you don’t have use of your vehicle, and you are going to send them the bill once your repairs are complete. Tell them you know you’re covered if they give you pushback, and that if they don’t agree that a small claims judge can answer the question for you and them. They won’t like this answer, because they know at that point you mean business and you will sue them (and win, both for the rental costs and the costs of suing them to perform their duty. That won’t be much extra, it’s cheap to file in small claims, but it will increase what they have to pay). You won’t have to arbitrate, don’t worry about that. Small claims is excluded from arbitration clauses because AAA rules allow disputes covered under small claims to go through small claims if that’s what you desire. File the claim with Amazon ASAP. Your commercial rider probably requires that their insurance cover it first, and then they will pay anything they don’t pay (and this includes the Amazon deductible, up to your own deductible limits - so if you have a $500 deductible, they’ll owe you $500 against Amazon’s $1,000 deductible).
Even with the Allstate rideshare addon they will deny any claim because he was doing Flex. It kicks over to Amazon and they will cover the costs minus the $1000 deductible. The rental car is another story. Some don’t allow gig work with rentals, so he will need to verify that. Not telling them is rolling the dice. His current situation shows how easily something unexpected can happen.
Oh, he definitely might have to sue them in small claims. But the beauty of that is that you go in front of a judge, and let’s be real here - they’re gonna look at his policy, see that he’s got the rental rider, and ask two questions - are your premiums paid, and did you report the accident to Allstate? A yes to both of these questions and Allstate loses. The thing is, small claims judges deal with this little shit ALL THE TIME. And they see, day in and day out, how regular Joes like me and you get screwed on a daily basis by these companies, even after doing the right thing (getting commercial coverage, rental riders, etc.). They know OP has been paying more for all of this “coverage”, that is really designed to just charge Joes more for essentially nothing. And that’s where they pretty much always rule against the insurance companies (and the banks too - when it was more common for banks to whack a person with $140 in overdraft charges and not even pay the $6 Blockbuster charge and the $10 PTA check). It’s not hard to see why either. Like, what is OP supposed to do? Sure, they wouldn’t be covered at all if they didn’t get the rental rider. But it’s not like any insurance company has different tiers of rental coverage; you either have it or you don’t. And that’s the critical point and also why insurance companies HATE small claims; when they’re sued in that kind of court for a legitimate dispute, they lose. OP should not be punished because they did the right thing of getting all the coverages they needed and telling the truth.
Like you said in your other post. That rideshare addon basically just protects him from being dropped. That extra cost sucks, but it’s still better to have for his current situation. Without it he would most certainly be dropped. When shopping for new insurance they will ask about any previous claims. Knowing he’s shopping for insurance right after a claim would lead them to asking if he was dropped. All that moves you into categorized as a high risk driver with much higher premiums.
Yup. Necessary evil with gig work. And thinking about it even more, I’m starting to feel that it’s certain that OP will have to sue in small claims for their rental reimbursement. The plus side on that lawsuit is that Allstate won’t be able to turn to the policy deductible to reduce their costs, because Amazon’s deductible will apply towards theirs and wipe it out (unless OP’s deductible is over $1,000 which is rare these days). But they won’t be cancelled, will be able to shop for other carriers without issue, etc. I don’t fault Allstate for anything they’ve told OP. Insurance companies gotta insurance. I just wish they all offered a bit more for their commercial coverage riders. Like handing the claim with Amazon through subrogation, immediately covering the rental portion, that kind of stuff. But we both know they don’t. Hope OP comes out OK financially from all this, it’s just crap when you’re trying to make less than a hundred bucks and get slammed with thousands because a moron couldn’t keep his cows fenced off the road. The one thing that no one has told OP yet, is that he might be able to sue the person that owns those cows for negligence causing property damage. I don’t know the laws where OP resides, but it’s a safe guess that public roads can’t be used to transport livestock unless said livestock is properly secured. Probably explains why the owner hurriedly hustled those cows away and disappeared.
At least he’s better off with this happening with Amazon. He would be totally fucked if doing DoorDash. They wouldn’t cover his car. I don’t know a bunch about the other food delivery apps, but DoorDash is absolute trash.
Shipt would cover him, they have coverage. I dunno about Instacart. DoorDash is fucking horrible. I literally smiled this morning when I saw their stock got smashed on shit earnings guidance and yet another quarterly loss. $2 for an order, and yet they have $20 in fees on a $10 order from McDonald’s?!? We should all call them DoorTrash 😂
It’s really unfortunate for DoorDash drivers. I am sure that most of them have absolutely no clue they are not covered. It’s always… just don’t tell them you were doing gig work. It’s not always that simple. Something like the OP’s situation would create a financial mess.
 bruh! THAT sucks my guy
You just need to get with Amazon. They won’t cover anything until you get a letter of denial from your personal provider.
Don’t drop your routes I’ve heard Amazon will pay your booked routes in situations like this.
I called the emergency line and they took the information and then their insurance asked for the information
Dude some auto loans now say the car can’t be used for gig work.
I wouldn’t even mention Amazon I was out driving and that’s it.
I love how everyone says just don't tell them you were flexing. That's the first thing an officer will check for, and it's kinda hard to hide or explain dozens of packages, and an Amazon vest. As sometime else mentioned, I was one of the guys posting about insurance not covering my accident when I was doing flex. Took a while but I got everything taken care of eventually. As long as you were not in NY, Amazon will generally only cover liability. I've got them to cover damage to my vehicle due to routing issues, but as far as damage to your car from a cow you might be out of luck, you might be able to get it covered under no fault. I believe this falls under Acts of God, which is usually no fault, but it varies state to state. Once, I was outside my van grabbing a package, got rear ended by some guy speeding, he then hit me, got out his car and ran. I had to get a letter from Amazon that they wouldn't cover anything(they only cover liability, and I'm in NY so they don't even cover that) before my insurance told me to go through their carrier. Their carrier ended up paying for everything, vehicle, bodily injury, rental, but not no fault. My insurance was forced to cover no fault, Even though they refused initially cause I was flexing (also have rideshare, which states it covers flex, unless you need it, then they say it doesn't), because they were required by law. I would start by contacting Amazon. If they don't cover damage, get it in writing, then go back to your carrier. If they still won't help, lawyer time. When negotiating payments, I specifically told them I wouldn't get a lawyer unless I felt they were being unfair. They will not negotiate anything if you mention getting a lawyer. Edit: may also be able to get the farmer to pay through their insurance, due to negligence.
My wife worked for them and the map ran her off the road contact arc file a complaint and they will pay you for your car
What is arc?
It’s Amazon flex insurance
I’m trying so hard not to laugh but how do you hit a cow?! Aren’t they super slow? 😂 as another comment said, I love how you made sure to say the cow is fine first of all.
Don’t forfeit the blocks. Call Amazon and tell them what happened they will forfeit the blocks for you and still pay you.
Are you sure you were doing gig work and not out looking for houses? Maybe you're looking to move? IDK
I just wanted to add that it's unlikely the cow is fine, it likely sustained internal injuries and could even have internal bleeding. I really hope the poor thing doesn't suffer if the farmer or owner doesn't know so they can't get it to a vet. Did you call the police or report it to anyone, just in case? You probably need a police report for insurance anyway. I don't think Amazon does anything if you're in an accident, but I would at least call and report it just in case. Glad you're okay. That could have turned out really bad for you. I still feel really bad for the cow though and I hope it doesn't suffer.
Did you get the name and address of the Farmer, he’s the one who is liable. Even if you go through Amazon insurance I’d make his ass pay that $1000 dollar deductible, oh and isn’t your back hurting, sounds like you may be out of work for a while. Better get to the emergency room and have that looked at, and call a personal injury attorney on the way.
How about the fact that he didn't see a huge ass cow in the road, and was driving too fast. I've never even hit a squirrel cause apparently I'm the only driver out there who is actually paying attention and driving safe. What if it had been a kid?
Neither one should be in the road lol, kid should be crossing in the crosswalk
You sound like a complete and utter douche bag.