Had a buddy who learned this the hard way—he was just waiting for a ping, not even driving anyone, and got rear-ended. He figured his regular insurance would cover it, but nope... they denied the claim because he was logged into the app. He ended up paying out of pocket for repairs. Those little policy details really matter, even if they seem like overkill at first.
He figured his regular insurance would cover it, but nope... they denied the claim because he was logged into the app.
That’s rough. I’ve heard similar stories—seems like a lot of folks don’t realize that just being “online” with the app can put you in a weird insurance limbo. The rideshare company usually has some coverage during that waiting period, but it’s often way less than your personal policy and comes with a big deductible. Not exactly comforting.
I used to think it was overkill to read all those policy details, but after seeing stuff like this, I double-check everything. It’s wild how just sitting there waiting for a ride can change your coverage. If you’re driving for these apps, might be worth looking into a rideshare add-on for your own insurance, even if it costs a bit more. Beats paying out of pocket if something goes sideways.
