It’s honestly kind of frustrating how they make it so complicated. You’d think with how common rideshare is now, they’d be more upfront about these gaps.
Yeah, that’s the part that gets me too. I’ve owned cars for decades and insurance always seemed pretty straightforward—until all these new “gig economy” things started popping up. I remember when my neighbor started doing food delivery, she thought her regular policy was fine, but then her insurer basically told her she’d be on her own if anything happened while she was waiting for an order. It’s like they’re purposely vague so you don’t realize you’re not covered until it’s too late.
I get that insurance companies have to draw lines somewhere, but the way they split hairs over when you’re “on the clock” or not just feels sneaky. I ended up reading my own policy front to back after hearing stories like yours. Still not sure I understood half of it, honestly. The endorsement thing is a bit of a racket, but at least it’s some peace of mind. Just wish they’d be clearer from the start instead of making us jump through hoops.
the way they split hairs over when you’re “on the clock” or not just feels sneaky.
That’s exactly it. I swear, it’s like they want to catch you in a technicality. I’ve had a couple fender benders (don’t ask), and every time, the insurance folks are all about the fine print. I get that they have rules, but man, it feels like you need a law degree just to figure out if you’re covered while waiting for a ping. I’m not even sure my own policy would back me up if I ever tried rideshare... kinda makes me nervous to even consider it.
