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Dodged a Bullet With Rideshare Insurance - Anyone Else Got Lucky?
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Had a bit of a close call last month driving for Uber. Basically, I was between rides and stopped to grab a coffee real quick. Came back out and someone had sideswiped my parked car - no note, nothing. At first, I panicked thinking I'd be stuck footing the bill since I wasn't technically on a ride at the time. But luckily, I'd recently switched to an insurance policy that specifically covers rideshare drivers even when we're waiting or between trips. Honestly, I didn't even realize how big of a deal that was until this happened.
Anyway, long story short, insurance covered it without any hassle (thank god), and I'm back on the road. Made me realize how easily things could've gone south if I'd still had my old policy. Curious if anyone else has had a similar experience where having the right coverage saved your butt? Or maybe you found out the hard way that your regular insurance wasn't enough...
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The “between rides” detail is the part worth double-checking. A rideshare endorsement doesn’t always treat every app status the same, and coverage can vary quite a bit by insurer.
Before relying on it, I’d ask specifically whether collision and comprehensive apply while parked and waiting, and whether uninsured-motorist property-damage coverage would respond to a hit-and-run. Some policies cover the gap only while logged in and waiting for a request, while others may have different limits or exclusions once you’ve ended a trip or gone offline. Getting those answers in writing could prevent a nasty surprise, especially on an older or valuable car.
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