{
  "url": "brettpetersonlaw.com/faq/how-do-rideshare-insurance-policies-work-in-san-diego",
  "name": "How do rideshare insurance policies work in San Diego?",
  "@type": "FAQPage",
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  "speakable": {
    "@type": "SpeakableSpecification",
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    {
      "name": "How do rideshare insurance policies work in San Diego?",
      "@type": "Question",
      "acceptedAnswer": {
        "text": "In San Diego, as elsewhere, rideshare companies like Uber and Lyft maintain significant insurance policies that apply depending on the driver's status at the time of the accident. During Period 0 (app off), the driver's personal insurance applies. During Period 1 (app on, waiting for a request), a limited liability policy may activate. During Periods 2 and 3 (en route to pickup or with passenger), the rideshare company's full liability coverage, often $1 million or more, becomes active. Navigating these layers requires an attorney experienced with local and state regulations and rideshare specific policies.",
        "@type": "Answer",
        "description": "Rideshare insurance in San Diego depends on the driver's status: personal insurance for off-app, limited coverage for waiting, and full company coverage ($1M+) when en route or with a passenger."
      }
    }
  ],
  "description": "Rideshare insurance in San Diego depends on the driver's status: personal insurance for off-app, limited coverage for waiting, and full company coverage ($1M+)"
}