Honestly, I’ve always wondered about that “between trips” gray area. Like, if you’re logged into the app but not actually driving a passenger, does your personal insurance kick in or is it still the rideshare company’s responsibility? I read somewhere that some policies won’t cover you at all if you’re using your car for rideshare, even if you’re just waiting for a ping. That’s why I ended up adding that rideshare endorsement to my policy—felt like the safest bet. Has anyone actually had to file a claim in that weird in-between period? Curious how it played out.
That’s exactly why I dug into the fine print on my policy. Turns out, my insurer flat-out excludes any “commercial use,” even if I’m just sitting in a parking lot with the app on. The rideshare company’s coverage only kicks in with pretty high deductibles during that waiting period, too. Has anyone actually had their claim denied for being logged in but not on a trip? I keep hearing mixed stories about how strict insurance companies are about that gray area...
I’ve actually been through this headache, and let me tell you, insurance companies don’t mess around when it comes to “commercial use.” I got rear-ended while waiting for a ping—wasn’t even moving, just had the app on. My personal insurer flat-out denied my claim after they found out I was logged in. Didn’t matter that I wasn’t on an active ride. They said the second you’re available for hire, you’re not covered under personal policy.
The rideshare company’s coverage did kick in, but that deductible was brutal—like, $1,000 out of pocket. Not exactly pocket change if you’re hustling to make ends meet. Honestly, it feels like they set it up so you’re always stuck in the middle. If you’re trying to save money by skipping commercial insurance, just know you’re rolling the dice every time you log in. I get why people risk it (insurance is expensive), but man, it’s a gamble.
Man, that’s rough. I’ve always wondered what would happen if my car got dinged between trips—especially since I drive a, let’s say, “not-so-budget-friendly” ride. Insurance folks seem to have a sixth sense for sniffing out any excuse not to pay up. That $1,000 deductible stings, but imagine getting stuck with repairs on a luxury sedan… yikes. Sometimes I feel like my car’s worth more than my apartment. Honestly, the whole thing makes me paranoid about even opening the app.
I totally get where you’re coming from. I’ve always wondered—if you’re just sitting in your car with the app on but haven’t accepted a ride, does your personal insurance still cover you, or does it default to the rideshare policy? The lines seem so blurry. Ever tried asking your agent about that? I feel like I get a different answer every time.
