When you’re a rideshare driver, coverage depends on when the accident occurs:
App is off, and you’re not ridesharing. Your personal insurance policy may cover you if an accident happens.
App is on, and you’re waiting to be matched with a rider. Your personal coverage probably doesn’t cover this period. Your rideshare company provides liability coverage for this period, although it may be a small amount.
You’ve been matched with a rider, and you’re on your way. Your rideshare company offers primary coverage during this time.
Your riders are aboard. Your rideshare company’s policy covers any accidents while your passengers are in the car.
If you become a rideshare driver, make sure to tell your insurance company. If they find out another way—such as when you try to file a claim—they might drop your coverage.