That’s actually something I’ve worried about a lot. The whole “between trips” thing seems like a weird gray area, right? I asked my agent about it once and she was super clear—if the app’s on, even if you’re just waiting for a ride, most regular insurance won’t touch it. She even showed me the rideshare exclusion in my policy, and it was pretty blunt.
What gets me is that some people think they’re fine as long as they’re not actively driving someone, but apparently that’s not how the insurance companies see it. I get why it feels like overkill to pay extra for rideshare coverage, but honestly, I’d rather not risk getting stuck with a denied claim. Has anyone actually had a claim go through during that “waiting for a ping” time? I’ve heard stories both ways and it’s kind of confusing.
I guess the safest bet is to double-check your policy and maybe call your insurer directly. It’s a pain, but finding out after an accident that you’re not covered would be way worse.
Yeah, that gray area is exactly why I bit the bullet and got rideshare coverage. I had a buddy who got rear-ended while just waiting for a ride request—his regular insurance flat-out denied the claim because the app was on, even though he didn’t have a passenger. He ended up paying out of pocket for repairs. It’s annoying to pay extra, but after seeing that mess, I’d rather play it safe. Insurance companies really don’t mess around with those exclusions...