The other day I had an incident with a garbage truck.  I, like many of you, am a multi-gig driver and was currently on an Amazon Flex route.  Of course, today was a day that had me far from home. I was about an hour away actually, in a town called Portland, Michigan.  

I had barely even begun my route and was on my way to my 8th stop of the day.  I turned down this barely two-lane dirt road and was waiting patiently behind the garbage man while he finished dumping his cart.  I assumed he was moving forward to the next house. He assumed his rear end was clear. We were both wrong. I laid on my horn and popped it in reverse as fast as I could but alas, it was too late.  As soon as he realized there was a problem he got out and was clearly bewildered.  

Apparently, he didn’t check his rear view and had no idea anyone had come up behind him.  I don’t know if he even realized until that moment, he hit another car. I then tried to join him outside the car to see the damage, but I couldn’t open my front doors.  My front-end damage must have been significant to be keeping me locked in the car, although it was still running fine. I couldn’t believe it. What garbage luck. Yeah, I just said that. Get it? Garbage truck, garbage luck.   So, what’s next for us gig drivers?

  First things first, after checking if we were both okay, I called the police.  Gig economy insurance companies will want to see a police report. I called Amazon and informed them of the incident.  After being transferred three times to different people and spending 45 minutes with the phone to my ear, the accident was reported and escalated.  They told me to expect a call later about it. Cool. Then I chose to call my insurance. 

Calling my insurance may not have been necessary, seeing as I was not at fault and could prove that with my dashcam.  The garbage company will likely be responsible for my deductible, although it may be a process to get them to pay for it.  But because I carry the extra limited-commercial endorsement with my insurance I am covered for a deductible reduction with them.  What that means is although Amazon’s insurance deductible is $1,000 (ouch!), my personal policy is only $500, and they will cover the difference for me.  This is a fantastic reason to carry this coverage with your insurance if you are a gig driver. Lyft’s deductible is a whopping $2,500, and Uber’s is $1,000 and it works the same way. Your insurance could really come in handy.

Everyone was okay and I’m still working through the insurance steps now so I can get my blue-beauty fixed, but it really could have been worse.  I hope this incident encourages some of you to invest in a good dash cam and to check in on your insurance. No one wants to foot a $1,000+ bill on their own.

Also is you are interested in a podcast about rideshare insurance, check out this episode of our podcast