Do not rely on the app name alone
Coverage can change when you log in, accept a request, pick up a passenger or delivery, and complete the trip. Your personal policy, rideshare or delivery endorsement, platform certificate, and state law must be read together.
A personal auto policy may exclude or limit coverage while a vehicle is used to carry people or goods for compensation. A platform policy may apply only during defined periods and may not provide collision, comprehensive, medical, UM/UIM, or rental coverage in the amount you expect. Verify the current documents before driving.
Map Every Operating Period
App off
The personal policy normally governs ordinary personal use, subject to its terms.
Available
You are logged in but have not accepted work. This period often has different liability limits and may expose a physical-damage gap.
Accepted or active trip
The platform may provide higher liability coverage, but deductibles and other coverages still depend on the current certificate and state rules.
Documents to Collect
- Your personal declarations page and complete personal auto policy
- The rideshare or delivery endorsement, if purchased
- The platform's current state-specific certificate of insurance
- The platform's deductible and physical-damage conditions
- Any state insurance department or public-utilities guidance
California: SB 371
California SB 371 was chaptered in 2025 and amended transportation-network-company insurance rules. For the period from accepting a ride request until the transaction or ride is complete, the statute keeps $1 million of primary coverage for death, personal injury, and property damage. From passenger entry to passenger exit, it requires the transportation network company to provide UM/UIM coverage of $60,000 per person and $300,000 per incident.
That UM/UIM amount replaced the previous $1 million requirement. The law's operation was contingent on AB 1340 becoming effective by January 1, 2026. Drivers should still obtain the platform's current California certificate because the statutory floor is not a complete description of every benefit, exclusion, or deductible.
California Legislature: chaptered SB 371
Missouri: Delivery Network Company Rules Start October 1, 2026
Missouri SB 181 contains a Delivery Network Company Insurance Act with a delayed effective date of October 1, 2026. As of this page's August 26, 2026 review date, that start date was still in the future and should not be described as an already-active requirement.
The act addresses delivery availability and service periods, required liability coverage, disclosures, claims cooperation, and an insurer's ability to exclude delivery activity from a personal policy. Drivers should check the enacted text and current insurer documents when the effective date arrives.
Missouri Senate: SB 181 bill information
Delivery Work Is Not Automatically the Same as Passenger Rideshare
Passenger platforms, food-delivery services, grocery services, and parcel networks can use different insurance arrangements. Do not assume a rideshare endorsement covers delivery, or that every delivery platform provides liability or physical-damage coverage.
Ask one exact question
“Does this policy cover me while I am logged into each named passenger or delivery app, including while available, en route to pickup, carrying a passenger or order, and returning after completion?” Ask for the answer and endorsement in writing.
Physical Damage and Deductibles
Platform collision or comprehensive coverage may be contingent on carrying the corresponding coverage on your personal policy. A platform deductible may be higher than your personal deductible. “Deductible gap” products or endorsement features are not universal, so confirm whether one exists rather than assuming your personal policy will reimburse the difference.
Accident Checklist
- Handle immediate safety and medical needs first.
- Capture screenshots showing app status, request, pickup, and completion times.
- Preserve passenger or order information without posting private data publicly.
- Report the loss through the platform and to the appropriate insurer as required.
- Keep both claim numbers and ask which policy is primary for each coverage.
- Save repair, rental, towing, medical, wage, and communication records.
Before going online
- Name every app you use when speaking with the insurer.
- Confirm coverage for passenger work and delivery separately.
- Compare liability, UM/UIM, medical, physical-damage, rental, and deductible terms by period.
- Keep current insurance certificates available offline.
- Recheck documents after platform, policy, vehicle, or state-law changes.
Editorial disclaimer: This guide is educational and does not determine coverage or provide legal advice. Platform programs, state law, and policy forms change. Verify current documents with the platform, insurer, licensed agent, and relevant state regulator.
