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What happens if your rideshare app is between trips and you get into an accident?

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(@gardening609)
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Man, I’ve been digging into this exact thing since I’m about to get my first rideshare policy. The “periods” thing is so confusing—like, you’re covered if you’re on a trip, but if you’re just waiting for a ride, it’s this weird limbo. I read a story where someone got rear-ended while just sitting with the app on, and both their personal insurance and the rideshare company tried to dodge responsibility. It sounds like unless you have special coverage, you’re kinda stuck in that gray area. Makes me wonder if it’s even worth the risk sometimes...


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