Still feels like a racket, but it worked for me.
- Gap coverage really does feel like one of those “necessary evils.” I’ve had it for years, too, and only needed it once—hailstorm, of all things, while I was parked between trips. Paid out, but yeah, it stings paying for something you hope you never use.
- I hear you on the risk thing. Statistically, it’s probably not *that* much higher, but insurance companies love to make it sound scarier.
- At the end of the day, I’d rather grumble about the cost than get stuck footing a big bill. Murphy’s Law and all that...
- Totally get the “necessary evil” vibe. I used to roll my eyes at gap coverage, but after a buddy got rear-ended while waiting for a ping, I changed my tune. His regular insurance tried to dodge the claim since he was logged in but not on a trip—gap saved his bacon. Still feels like paying for an umbrella you hope never opens, but when it rains... you’re glad you have it. Insurance math always seems stacked against us, though.
Yeah, I’ve seen that scenario play out more than once. Had a client who thought their regular policy would cover everything, but the fine print got ‘em when they were just sitting, waiting for a ride request. Gap coverage really is that weird safety net you hope you never need. Insurance can feel like a racket sometimes, but when it works, it’s a lifesaver.
That’s exactly the kind of thing that makes me double-check my policy every few months. The in-between period—when you’re logged into the app but haven’t accepted a ride yet—seems like a weird gray area. I’ve heard some companies only offer limited liability during that time, which honestly feels pretty risky if you’re out there a lot. Has anyone actually had to file a claim during that “waiting for a ping” window? Curious if the process was as much of a headache as I imagine, or if it went smoother than expected.
Title: What happens if your rideshare app is between trips and you get into an accident?
The in-between period—when you’re logged into the app but haven’t accepted a ride yet—seems like a weird gray area.
You’re not wrong, it’s a confusing spot. I’ve seen plenty of claims come through during that “waiting for a ping” window, and honestly, coverage is usually limited to liability only—no collision or comprehensive unless you’ve got your own policy that covers it. The process can be a headache, mostly because people expect full coverage and get frustrated when they find out it’s just the bare minimum. Still, as long as you know what to expect and keep your own insurance up to date, it’s manageable. Double-checking your policy is smart, even if it feels paranoid sometimes—better than being caught off guard.
