Some say you’re covered, others say you’re not, and it can depend on the exact second you toggle your app status.
That’s the part that drives me nuts. It’s like trying to nail jelly to a wall. I remember when I was looking into classic car insurance—at least those folks spell out exactly what’s covered and when. With rideshare, it feels like you need a law degree just to figure out if you’re protected between rides. I’d definitely keep pushing for something in writing, even if it takes a few more rounds of phone tag.
Yeah, it’s a total headache. I’ve had to call my insurance twice just to get a straight answer and still felt like they were dodging. From what I gathered, most personal policies won’t cover you if the app’s on but you’re between rides—then it depends if the rideshare’s “contingent” coverage kicks in, which usually has a crazy high deductible. Not exactly comforting. I’d double-check your policy docs and maybe screenshot anything the company sends you, just in case things get messy later.
That’s exactly what I’ve been worried about—those “gray areas” between trips. I actually tried mapping out the different coverage periods just to make sense of it, but it gets confusing fast. Did your insurance ever clarify if you’d be considered “commercial” during that in-between time, or is it still technically personal use? I’m wondering if there’s any way to get a rider or add-on that fills that gap, or if we’re just stuck with the high deductible from the app’s policy.
I actually tried mapping out the different coverage periods just to make sense of it, but it gets confusing fast.
Same here—tried to make a chart and just ended up with more questions. My agent said that while the app is on but you haven’t accepted a ride, it’s not “personal” use in their eyes, but it’s not fully “commercial” either. It’s like this weird in-between where your own policy might not cover you at all. I asked about a rideshare add-on, but it was pricier than I expected. Still, maybe that’s better than risking the app’s $2,500 deductible? Not sure if there’s a cheaper workaround or if we’re just stuck paying more for peace of mind.
Title: What happens if your rideshare app is between trips and you get into an accident?
Yeah, the “coverage limbo” thing really gets me too. I tried reading through my policy and the rideshare company’s fine print, but after a while my eyes just glazed over. It’s like they invented a new kind of insurance purgatory just for us.
I asked my agent about that rideshare add-on, and honestly, I was expecting something like a few extra bucks a month. Nope. More like “do you want to pay for another Netflix subscription... or two?” I get why it costs more, but still, it feels like we’re being penalized for using our cars to make a little extra cash.
What really messes with my head is the whole period 1/period 2 thing. If I’m sitting in a parking lot with the app on, waiting for a ping, that’s not personal use? But also not commercial? So if someone rear-ends me right then, who’s got my back? My regular insurance says “nope,” and the app’s coverage barely covers anything unless you’re actually on your way to pick someone up or have them in the car. And yeah, that $2,500 deductible is brutal—like, why even bother filing a claim at that point?
I’ve heard some people try to skirt it by just not telling their insurance they’re doing rideshare, but that seems like playing with fire. I’d rather pay a bit more than risk getting denied completely if something goes wrong. But man, it feels like there should be a middle ground here.
Anyone else ever get the feeling these companies are just making it up as they go along? Or maybe I’m just getting old and cranky...
