Yeah, the “waiting for a ping” thing is a total gray area. I’ve had buddies get stuck in that insurance limbo—personal says it’s rideshare’s problem, rideshare says it’s personal’s. Nobody wants to pay out. The monster deductible is a joke too. I swear, you need a law degree just to figure out what’s covered. Not sure if it’s intentional or just old-school insurance nonsense, but either way it’s a mess. I just keep my coverage as clear as I can and hope for the best.
Honestly, I get why it feels like a mess, but I don’t think it’s all just insurance companies being shady. The whole “waiting for a ping” thing is new territory—rideshare didn’t even exist a decade ago. Maybe the real problem is that laws haven’t caught up yet? I mean, if you’re logged into the app but not driving anyone, who’s really responsible? It’s confusing, but I kinda see why there’s gray area. Still, those deductibles are wild...
if you’re logged into the app but not driving anyone, who’s really responsible?
That’s the million-dollar question, right? I get that laws are behind, but it feels like everyone’s just passing the buck. Meanwhile, drivers are stuck with those monster deductibles—like, who has $2,500 lying around for a fender bender?
- Totally agree, that $2,500 deductible is wild. Most people don’t have that just sitting around.
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That’s the weirdest gray area. You’re technically “working” but not really…so your personal insurance might not cover you, and Uber/Lyft’s coverage is super limited unless you’ve got a passenger.“if you’re logged into the app but not driving anyone, who’s really responsible?”
- I know someone who got rear-ended while waiting for a ride request and it turned into a nightmare—nobody wanted to pay out.
- Feels like drivers are left holding the bag while everyone else points fingers. The system needs a serious overhaul.
That $2,500 deductible is just brutal. Who actually has that kind of cash ready for an accident that might not even be your fault? The whole “logged in but not driving” thing is a mess too. Why should drivers be in limbo just because the apps want to dodge responsibility? I’ve heard stories where both insurance companies just keep passing the buck. At what point do these companies actually step up and cover their workers? It’s like they want all the benefits of having drivers but none of the risk.