You nailed it—most folks don’t realize their personal policy is basically useless once the app’s on, even if you’re just chilling in a parking lot. I’ve seen people get burned by that “Period 1” gap more than once. Out of curiosity, did your agent mention if your state has any special rideshare rules? Some places have weird exceptions or extra requirements that make things even messier.
Yeah, that “Period 1” gap is a real headache. I’ve seen some drivers assume their umbrella policy would cover it, but most don’t. Did you ever look into any of those rideshare-specific add-ons? Some carriers offer them, but the fine print can be tricky.
That gap is honestly one of the most confusing parts of driving for these apps. You’re right, umbrella policies almost never fill that hole—learned that the hard way when I called my agent. I did end up getting a rideshare add-on, but even then, the coverage details were buried in legal jargon. It’s frustrating, but at least you’re looking into it and not just assuming you’re covered. That’s already a smart move.
