If you are driving with a rideshare company like Uber, and using your personal car for commercial work, this may create an unexpected gap in your auto coverage. Here’s how that can happen:

There’s a good chance your personal auto policy excludes coverage when you’re logged into a rideshare company’s app as available to accept rides.

The rideshare company’s full commercial liability coverage probably doesn’t begin until you accept a ride.

So, while you’re waiting to be matched with your next rider, there’s a good chance you’re only covered by a rideshare company’s limited liability coverage. This often covers medical expenses and damage you cause to others if an accident is your fault — but won’t typically cover damage to you or your car.