I read my policy and it’s still not super clear on the “logged in but no passenger” part.
Man, insurance policies are like IKEA instructions—except you can’t even build a bookshelf at the end. I’ve heard stories where people got denied just for being “available” on the app, but I’m not sure if it’s urban legend or just bad luck. Has anyone actually called their insurance and asked for a straight answer? Or do they just keep passing you around like a hot potato?
insurance policies are like IKEA instructions—except you can’t even build a bookshelf at the end.
That’s the most accurate thing I’ve read all day. I tried calling my insurance once and got transferred three times, then they just read the policy back to me. Still didn’t clear up if “available” is covered or not… feels like they want it to stay confusing.
I’ve been there—spent half a day on hold just trying to figure out if my car was covered while I was waiting for a ping. The agent literally read the same paragraph three times, and I still couldn’t tell if “available” meant I was on the clock or just logged in. It’s wild how they make it so hard to get a straight answer. Honestly, it almost feels like they want us to give up and just hope for the best.
It’s confusing, right? The way they word things in the policy is just vague enough to make you second-guess everything. From what I’ve read (and gone through myself), “available” usually means you’re logged in and waiting for a ride, but haven’t accepted one yet. Most of the big rideshare companies do offer some coverage during that period, but it’s pretty bare-bones—like, liability only, and way lower limits than when you’re actually on a trip. If you get into an accident while just waiting for a ping, your personal insurance might try to deny the claim since you’re technically using the car for commercial purposes, and the app’s insurance probably won’t cover damage to your own car unless you’re en route or have a passenger.
I wish they’d just spell it out in plain English instead of making us jump through hoops... It’s not like we’re trying to game the system, we just want to know where we stand.
Most of the big rideshare companies do offer some coverage during that period, but it’s pretty bare-bones—like, liability only, and way lower limits than when you’re actually on a trip.
I get what you’re saying, but I actually think the “available” period coverage isn’t always as bad as it sounds. Like, yeah, it’s mostly liability, but I’ve heard of some companies bumping up the limits if you’re in a state that requires it. Still, it’s wild how your own insurance can just bail on you because you’re logged into an app. Makes me wonder if it’s even worth the risk sometimes...
