@rtms77 They pay by direct deposit into your linked bank account, or you can cash out instantly for a small fee directly to a debit card.
As far as I am aware, they do not provide any type of insurance. What type of insurance you need would probably be a question for your auto insurance company.
You are responsible for your own taxes with Instacart. Because you are considered a sub-contractor, you get paid the full amount and then have to pay your own taxes.