Auto Insurance for Gig Economy Drivers: What Uber, DoorDash and Instacart Workers Need to Know

As more North Carolina residents turn to gig platforms like Uber, DoorDash and Instacart for flexible income, understanding auto insurance becomes essential. Many drivers are surprised to learn that their personal auto policies may not fully protect them while working. At Amato Insurance Group, we help gig economy drivers navigate these unique insurance needs and avoid costly coverage gaps.

Why Standard Auto Insurance May Not Be Enough

Most personal auto insurance policies are designed for everyday driving, not commercial activities like rideshare or delivery work. When you use your vehicle for platforms such as Uber, DoorDash or Instacart, your insurer may limit or deny coverage if you’re involved in an accident while working. This can leave you responsible for damages, injuries or even lawsuits.

Understanding Coverage Gaps for Gig Drivers

Gig platforms often provide some insurance, but it’s usually limited and applies only during specific periods:

• App off—Your personal policy applies, but not for work-related driving.
• App on, waiting for a job—Limited liability coverage from the platform may apply, but not comprehensive or collision.
• En route or on a delivery—Platform insurance may offer more protection, but deductibles can be high and coverage may not match your needs.

This patchwork approach can leave significant gaps, especially if you’re in an accident between jobs or if your personal policy excludes gig work.

How We Help North Carolina Gig Drivers

The team at Amato Insurance Group specializes in helping rideshare and delivery drivers secure the right protection. We offer the following:

• Guidance on rideshare and delivery driver insurance options
• Policies designed to fill gaps between personal and platform coverage
• Advice tailored to North Carolina’s insurance requirements and regulations

We work with you to ensure you’re not left unprotected, whether you drive part- or full-time.

Protect Your Income and Peace of Mind

If you drive for Uber, DoorDash, Instacart or any gig platform in North Carolina, don’t leave your coverage to chance. Contact the team at Amato Insurance Group to review your policy and explore options that fit your unique needs. Get in touch with us today.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.