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

I get where you’re coming from, but I’ve seen a buddy get stuck with a huge bill because he didn’t have the extra coverage. It’s annoying, but those “gaps” can really bite you if something goes sideways. For me, paying a bit more now beats risking thousands later.

Honestly, I get the logic, but I’ve never bothered with the extra coverage. In ten years of rideshare driving and road trips, I’ve only had one minor fender bender - insurance handled it fine. Sometimes it feels like they’re just upselling fear.

I get where you’re coming from. Insurance companies do have a knack for making you feel like you need every add-on under the sun. In my experience, the standard coverage usually does the trick, especially if you’re careful and keep your record clean. I’ve restored a few classics over the years and, trust me, those policies are a whole different beast - talk about upselling! As long as you’re comfortable with your risk level, I wouldn’t stress too much about the extras.

Man, I hear you on the insurance upsell circus. I once tried to add roadside assistance and ended up with a policy that covered everything except my actual car. Honestly, I stick to the basics too - just gotta drive like everyone’s out to get you and hope for the best.

Man, insurance is wild. I remember when I first started driving for rideshare, I thought I was covered no matter what since I had “full coverage.” Turns out, there’s this weird gray area when you’re logged into the app but haven’t accepted a ride yet. My buddy got rear-ended in that exact situation and spent weeks going back and forth between his own insurance and the rideshare company. Neither wanted to pay up at first - total headache.

I always wonder if it’s even worth paying extra for all those add-ons they push. Like, does anyone actually feel more secure, or is it just peace of mind on paper? Has anyone actually had a claim go smoothly when they were between trips? I feel like the rules keep changing, too...