I started doing some rideshare and food delivery gigs on the side to make extra cash, and honestly, didn't even think about insurance at first. Then a friend mentioned that regular car insurance might not cover me if something happens while I'm working. Now I'm kinda stressing about it, you know? Anyone else run into this issue or had to upgrade their insurance because of gig work? Curious how much of a hassle it was.
Totally get why you're stressing—insurance stuff can feel overwhelming at first. I ran into the same issue when I started doing food deliveries last year. Here's what worked for me: first, I called my current insurance company to ask directly if gig work was covered (spoiler alert: it wasn't). Then, I shopped around a bit and found a rideshare endorsement that wasn't too pricey—just a small bump in my monthly premium. Honestly, it wasn't as big a hassle as I expected, and now I drive with way less anxiety...worth the peace of mind for sure.
I had a similar experience when I first started driving for apps. My insurance company was pretty vague about gig work coverage at first, and it took a few calls to get a straight answer (turns out, nope, wasn't covered either). Eventually, I found an endorsement too—wasn't exactly cheap, but definitely manageable. Honestly though, I'm still curious about how much protection these endorsements really offer. Like, does it fully cover you if you're between deliveries or just actively delivering? I've heard some mixed things from other drivers about gaps in coverage...makes me wonder if there's still some hidden fine print I'm missing. Anyway, totally agree that the peace of mind is worth the extra cost. Better safe than sorry when you're out there dealing with traffic and unpredictable drivers every day.
"Honestly though, I'm still curious about how much protection these endorsements really offer."
Yeah, that's the tricky part. When I looked into it, my agent explained there's usually a gray area between rides or deliveries—like waiting for your next ping. I ended up switching insurers to one that explicitly covers that downtime...cost a bit more, but sleeping easier now.
Yeah, the downtime thing is exactly what got me worried too. I checked with my insurer, and turns out they wouldn't cover me at all if I was logged into the app but hadn't accepted a ride yet. Ended up having to get a separate rideshare endorsement—cost wasn't terrible, but still annoying. Honestly, it's worth double-checking the fine print, especially if you're like me and have a couple tickets already...last thing I need is another headache.
