Instacart accepts auto-liability claims, but its public materials do not establish a general benefit that repairs a shopper’s own car.
Its Auto Liability Claim Form concerns shopping or delivery incidents. Contractors remain responsible for applicable insurance, and Instacart’s corporate third-party protection does not establish first-party vehicle-damage coverage for shoppers.
What the claim form asks for
The form asks for accident details, the shopper’s vehicle, personal insurer and policy information, whether the incident was reported to that insurer, and third-party insurance information. It also accepts supporting materials such as police reports and photos. Gathering those records can help describe the event; submitting the form is not a promise of a particular payment.
What Instacart’s filing confirms
The 2026 annual filing describes third-party insurance for auto-liability exposures involving bodily injury, physical damage, and uninsured or underinsured motorist losses. That describes risk protection for the company; it does not identify a general first-party repair benefit for each shopper’s own vehicle.
What remains unverified
The public shopper materials reviewed do not publish the policy limits, deductibles, trigger periods, or coverage terms needed to promise that Instacart will repair a shopper’s car. We also cannot infer that every auto-liability claim is accepted or that the shopper’s own insurer will pay. The answer remains partial.
Keep your personal policy and claim information, accident photos, the other party’s details and any police-report number together. Ask the insurer what coverage is being considered and which policy terms apply. Shopper Injury Protection is a different program for injuries, not a vehicle-repair benefit.
State and policy rules can affect a specific claim; the national evidence here remains partial. Open your state and jump straight to what we have verified.