I get where you’re coming from, but I’ve actually had the opposite experience. Once, I was waiting for a ping—just sitting in a grocery store lot—and someone backed into my car. The app said I was “online,” but insurance still tried to say it wasn’t their problem because I didn’t have a passenger. Took weeks of back and forth, and in the end, they only covered part of it. Honestly, it feels like they’re always looking for a loophole to pay less. I just try to park somewhere with cameras now, even if it means walking more.
Yeah, insurance gets real slippery about that “between trips” thing. I’ve heard stories where even being online isn’t enough for full coverage. I always double-check where I park now—if there’s no camera, I just keep circling until I find one. Not worth the headache.
I keep hearing mixed things about that “online but no passenger” window. Some folks say their personal insurance won’t touch it if you’re logged into the app, but then the rideshare insurance barely covers anything unless you’ve actually accepted a ride. It’s kind of wild. Has anyone actually had to file a claim in that gray area? I’m starting to wonder if it’s even worth the risk without some kind of extra coverage.
Honestly, the “online but no passenger” thing is a big reason I’ve never bothered with rideshare. My regular insurance agent flat-out told me they’d deny a claim if I was logged into an app, even if I hadn’t accepted a ride. The rideshare insurance barely covers anything in that period—just liability, and usually with a high deductible. For me, the extra cost of a proper rideshare endorsement just wipes out any profit. I’d rather avoid the headache and stick to my day job.
The rideshare insurance barely covers anything in that period—just liability, and usually with a high deductible.
I get where you’re coming from, but I’ve been looking into some of those “gap” policies lately. They’re not cheap, but a couple companies seem to offer better coverage for that in-between time. Still feels risky, but maybe not as bad as it used to be? I’m still on the fence myself... insurance stuff just stresses me out.
