Rideshare Drivers Still Cornered Into Insurance Secrecy: "Collision coverage will remain spotty. Neither new law requires that the car-service apps’ collision insurance be primary. Uber and Lyft already offer primary collision insurance for the times when a driver is matched with a rider. Sidecar does not. And none of them offers collision insurance for the time when a driver has the app on but hasn’t accepted a ride request yet — the pesky “gap.” If drivers get in an accident during that period, their personal insurer could easily deny the claim if they consider it commercial activity, and the driver would be stuck paying for car repairs. For many drivers, things have improved but there’s still reason to be wary.
“I think I’m definitely more aware of what the insurance policy means,” said Max. “I’ll probably still drive for them, but that’s always going to be on the back of my mind.”
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