Yeah, I hear you. It’s wild how the coverage just flips depending on what you’re doing in the app. I’ve had my insurance agent tell me flat out that if I’m logged in but not on a ride, my regular policy probably won’t help, and the rideshare coverage is bare bones. It’s like you’re in limbo. I get why people take the extra coverage even if it’s pricey—it’s just not worth the risk otherwise. Still, it’s frustrating how complicated they make it. You’d think with all the tech, they could make this part simpler.
It’s such a headache, right? I remember sitting in my car between rides, just waiting for a ping, and thinking, “If something happens now, am I just out of luck?” The whole “logged in but not on a trip” thing feels like a trap. Has anyone actually had to file a claim in that weird in-between time? I’m curious if the insurance companies actually stick to their word or if there’s some wiggle room.
Had a similar worry last year when I was driving my S-Class for a premium rideshare service. Got rear-ended while just waiting for a request. The insurance company tried to pass it off to my personal policy, even though I was logged in. Took weeks of back and forth—felt like they were looking for any excuse not to pay. They eventually covered it, but only after a ton of hassle. Don’t count on them making it easy.
The insurance company tried to pass it off to my personal policy, even though I was logged in.
That’s exactly the gray area that frustrates me. I’ve read the “period 1” coverage is supposed to kick in when you’re waiting for a ride, but it feels like the companies try to dodge responsibility if they can. Did you have to provide a ton of screenshots or app logs? I’ve heard some folks even get stuck with higher premiums after a claim, even when it’s not their fault. Makes me wonder if it’s even worth using a nicer car for this gig sometimes...
Honestly, it’s wild how much detective work they expect—like, do I need to hire a private investigator to prove I was online? But to be fair, period 1 coverage is usually pretty bare-bones. Sometimes I think the real trick is just having a separate rideshare policy. It’s not always cheap, but at least you’re not stuck arguing over screenshots at 2am... Been there, done that, spilled coffee on my phone in the process.
