Godfread urges delivery drivers to car insurance review

BISMARCK, ND — Due to a recent uptick in incidents involving so-called “gig” delivery drivers, Insurance Commissioner Jon Godfread is urging delivery drivers to review their auto insurance policies.

“The Department has received an increase in calls from drivers who have been involved in motor vehicle accidents involving concert delivery drivers who are not properly insured,” Commissioner Godfread said. “This is a step that can easily be overlooked, but is vital for all drivers on North Dakota roads.”

Delivery drivers who work for companies such as DoorDash, Uber Eats, Instacart or GrubHub are invited to review the policies of their respective company’s insurance coverage. In most cases, a driver’s common auto insurance policy will not cover accident claims that occur during a delivery.

Each company has specific policies regarding the auto insurance coverage needed. Drivers must understand what is expected of them before making deliveries.

The Department has studied the policies of popular delivery companies and what is required, according to their websites:

  • Food guys: You will do business as an independent contractor; , You must therefore maintain your own insurance. You may need to notify your insurance company that you are doing contract work.
  • Bite Team: All drivers must have access to their own vehicle and must carry appropriate motor vehicle insurance.
  • Grubhub: Those wishing to partner with Grubhub using a car must: o Have an original and valid driver’s license o Have car insurance
  • DoorDash: You can use a car to drive, fight and win. You must have a valid driver’s license.
  • Uber eats: All drivers are required to carry a personal automobile insurance. The company does this to protect against unnecessary liability when workers make deliveries.
  • Instagram: Drivers need special insurance to drive for Instacart. Instacart provides no insurance coverage, and most personal car insurance policies will reject applications from damage while you were driving a delivery business or carpooling.

Drivers should consult with their respective delivery companies and insurance agent regarding necessary insurance coverage.

The North Dakota Department of Insurance is available to answer questions about insurance and obtaining proper coverage.