Honestly, I’m in the same boat trying to figure all this out. I just started looking into rideshare insurance and it’s wild how unclear everything is. When I called my agent, they gave me that “depends on the situation” spiel too. Like, how are you supposed to plan for something if you don’t even know what’s covered? I keep wondering—if you’re just sitting there with the app on but no ride yet, does your personal insurance even count, or does it all fall on the rideshare company? It feels like there’s a weird gray area nobody wants to explain. Has anyone actually had a claim during that “waiting” period and gotten it covered?
Honestly, I’m in the same boat trying to figure all this out.
I’ve actually seen a case where someone had their app on, waiting for a ride, and got rear-ended. Their personal insurer flat-out denied the claim—said the app being on meant it was “business use.” The rideshare company’s insurance only kicked in after a ton of back-and-forth, and it didn’t cover everything. That “gray area” you mentioned is real. Makes you wonder how many people think they’re covered and aren’t. Anyone else ever get a straight answer about that waiting period? I feel like every company handles it differently.