[jackson1442]

I know Instacart has some kind of injury/disability insurance for their runners, but if you get in a wreck you're pretty much on your own since most insurance will deny claims for "Rideshare drivers".

Shipt supposedly covers it–their contractor agreement states that you need to have the state required auto insurance and they have a policy that takes effect while working that will increase your coverage to commercial-level insurance. I have also asked their insurance department about this directly and this has been confirmed.