Let’s say you’re waiting for a new ride request, just chilling in your car with the app on, but you’re not actually driving anyone yet. Then bam, someone rear-ends you. Would your personal insurance cover it, or is that on the rideshare company? I’ve heard there’s some weird gray area here and it’s kinda stressing me out. Has anyone dealt with this or know what would happen?
Would your personal insurance cover it, or is that on the rideshare company? I’ve heard there’s some weird gray area here and it’s kinda stressing me out.
Yeah, that “gray area” is real. Here’s how it usually breaks down:
1. App off = your insurance.
2. App on, waiting for a ride = rideshare company gives you limited coverage (usually liability only, not collision).
3. On a trip = full rideshare coverage.
If you’re just chilling with the app on, most personal policies won’t help. Rideshare might cover damage to others, but your car? That’s where it gets messy unless you bought extra rideshare coverage. It’s a headache, honestly. Don’t stress too much though—rear-end accidents are almost always the other driver’s fault, so their insurance should pay up. Just make sure you document everything if it happens.
Honestly, I wouldn’t count on the other driver’s insurance just because it’s a rear-end. I’ve seen plenty of cases where they try to blame sudden stops or claim you were partially at fault. It’s not always cut and dry. Did you ever look into adding rideshare coverage to your own policy? That can save a lot of headaches if something weird happens between trips.
Honestly, I wouldn’t count on the other driver’s insurance just because it’s a rear-end. I’ve seen plenty of cases where they try to blame sudden stops or claim you were partially at fault.
You nailed it—rear-end doesn’t always mean slam-dunk win. I’ve seen folks get blamed for “brake checking” or “unsafe stops” more times than I can count. Insurance companies love a good gray area. Rideshare coverage is like an umbrella in a surprise downpour—might seem unnecessary until you’re soaked. Between trips is where things get murky, so having that extra layer can really save your bacon.
You nailed it—rear-end doesn’t always mean slam-dunk win. I’ve seen folks get blamed for “brake checking” or “unsafe stops” more times than I can count.
I get where you’re coming from—insurance companies are quick to play the blame game, even when it seems obvious who’s at fault. The thing about rideshare is, during that “waiting for a ping” phase, most companies only offer limited liability, not full coverage. Reminds me of when I had my old ’73 Charger—insurance always found a way to wriggle out of paying unless I had every box ticked. If you’re driving for a rideshare, it’s probably worth looking into a rideshare endorsement on your personal policy. It’s not just peace of mind; it can save you a ton of hassle if something goes sideways.
