Honestly, I get the concern with expensive cars and all the insurance headaches, but I just couldn’t justify paying extra for rideshare gap coverage. My car’s older and not worth a ton, so I figured the math didn’t really work out for me. I talked to my agent too—she basically said the same thing about exclusions when the app’s on, but if you’re driving something with lower value, sometimes it’s cheaper to just take the risk and pay out of pocket if something does happen during Period 1.
Not saying it’s for everyone, but for folks trying to keep costs down, sometimes you’ve gotta weigh the odds. Insurance companies love to sell add-ons, but they’re not always a must-have depending on your situation. Just my two cents...
Had a similar debate with myself last year. My old Corolla’s barely worth more than the deductible, so I skipped the gap coverage too. Knock on wood, nothing’s happened yet, but honestly, sometimes you just gotta do the math and hope for the best.
I get where you’re coming from—my first car was a hand-me-down Civic and I barely bothered with extra coverage either. These days, though, I drive a newer S-Class for rideshare, and the insurance math gets wild. My agent once told me that if you’re between trips (like, app on but no passenger), some policies treat it as personal use, others as commercial. Ever had to actually file a claim in that weird in-between state? I’m always worried about getting stuck in some gray area...
Honestly, I’m not sure it’s as clear-cut as your agent made it sound. I’ve read some policies where “app on, no passenger” is a totally separate category—neither personal nor fully commercial. It’s confusing. I keep wondering if that means you’re basically in limbo if something happens...
Yeah, that “limbo” thing gets me too. My insurance guy tried to explain the three phases, but honestly, I still don’t totally get what’s covered when you’re just cruising with the app on but no passenger. Feels like a weird gray area... almost like the insurance companies want it that way?