What insurance covers Amazon, FedEx, or UPS delivery accidents in Texas?

The Driver’s Personal Auto Policy Almost Never Applies

Personal auto policies almost universally exclude commercial delivery use. If a DSP driver or DoorDash Dasher tells you to contact their personal insurer — the personal insurer will deny the claim. Commercial coverage is the correct path, and it starts with identifying which entity operates the vehicle and which coverage tier was active at the moment of impact.

Amazon DSP Insurance Structure

• DSP commercial auto (Layer 1): Amazon requires every DSP to maintain minimum $1M per occurrence commercial auto liability — typically through Progressive Commercial, Canal Insurance, or Great West Casualty
• Amazon ACAIP (Layer 2): Activates when the DSP’s primary coverage is exhausted, disputed, or when Amazon is named directly. ACAIP limits are not publicly disclosed but provide meaningful excess above the DSP’s $1M policy

FedEx Ground ISP Insurance Structure

• ISP commercial auto: FedEx Ground requires minimum $1M per occurrence
• FedEx Ground contingent: Activates when the ISP policy does not apply or is denied
• FedEx Corporation umbrella: Available when FedEx Ground is found directly liable after the contractor defense fails

UPS — Direct Corporate Coverage

UPS drivers are Teamsters employees. UPS is self-insured and commercially insured through a combination of self-retention and commercial excess layers. No contractor ambiguity. No DSP intermediary. All UPS driver accidents are covered under UPS’s corporate commercial program.

DoorDash, Instacart, and App-Based Platforms

• Period 0 (app off): Driver’s personal auto only. Platform provides no coverage. Personal commercial exclusion likely applies
• Period 1 (app on, no active order): Contingent $50K/$100K only if personal auto denies — greatest coverage gap risk
• Periods 2–3 (active order through delivery): Platform commercial liability up to $1M per occurrence

Call 210-888-0078 immediately. Wayne Wright identifies the DSP entity, obtains all insurance coverage documents, and pursues every available layer simultaneously — not sequentially.