Yeah, that “Period 1” thing trips up a lot of folks. The app being on—even if you’re just waiting—puts you in a weird insurance limbo. Liability coverage only means they’ll cover the other guy’s damage, not yours. I’ve seen people get caught off guard by that more than once. The logs are pretty much the final word, too—if the app says you were active, that’s it. The rideshare add-on isn’t cheap, but it’s honestly the only way to avoid getting stuck with the repair bill. It’s frustrating, but that’s how the policies are written.
- Been there, done that—insurance companies love their fine print.
- Period 1 is a trap for anyone who thinks “active” means “covered.”
- My ‘72 Chevelle’s got better coverage than most rideshare cars during that window.
- Honestly, the add-on stings, but it beats paying out of pocket for a fender bender.
- Wish they’d just make it clearer upfront... but then again, when do insurance folks ever make things simple?
Period 1 is a trap for anyone who thinks “active” means “covered.”
That’s the kicker, isn’t it? The word “active” is just marketing fluff during Period 1. Most folks don’t realize their personal policy usually won’t touch you if you’re logged into the app, and the rideshare coverage is practically non-existent until you get a ping. It’s a mess. I’ve read every line of my policy and still had to fight tooth and nail over a claim once—felt like they were hoping I’d just give up. The add-on coverage is expensive, but honestly, it’s less painful than arguing with two insurance companies at once.
Honestly, I get what you’re saying, but I’m not totally convinced the add-on is always worth it. I’ve looked at a couple quotes and the price jump is kinda wild for something that might never happen. Maybe I’m just being cheap, but I’m still on the fence.
I get where you’re coming from, but I dunno… I’ve seen people get totally screwed because their regular insurance didn’t cover them between trips. The price hike sucks, but getting stuck with a massive bill would be way worse. Sometimes it feels like you’re paying for nothing, but if you ever need it, you’ll be glad you did. Just my two cents.
