Godfread urges delivery drivers to review their car insurance

BISMARCK, ND — Due to a recent increase 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 involved in car accidents involving delivery drivers who were 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 urged to review their respective company’s policies regarding 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 should 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 be doing business as an independent contractor; therefore, you must maintain your own insurance. You may need to notify your insurance company that you are doing subcontracted 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 any car to drive, deliver and win. You must have a valid driver’s license.
  • Uber eats: All drivers are required to carry personal auto insurance. The company does this to protect itself from unnecessary liability when workers make deliveries.
  • Instagram: Drivers need special insurance to drive for Instacart. Instacart does not provide insurance coverage and most personal auto insurance policies will disallow claims for damages incurred while driving for a delivery or ride-sharing company.

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.