Drive for an app in California? Know who pays when something goes wrong.
GigDriverCA is a free, plain-English guide for California rideshare and delivery drivers. We explain which insurance applies in each app period, the $2,500 deductible, and what to do when your own insurer says no. Every guide links to the California law and official pages it relies on, so you can check them yourself.
General information, not legal advice. GigDriverCA is not a law firm and isn't affiliated with any app company or insurer. Disclaimer
Start here
-
Rideshare insurance periods: who pays when
App off, app on, ride accepted, passenger in the car. Which insurance applies in each period, at the limits California law requires in 2026.
-
The $2,500 Uber/Lyft deductible
It's a company term, not the law. When the deductible applies to repairs on your own car, when there's no coverage at all, and your options if someone else caused the crash.
-
Claim denied because you were driving for an app
Why California law lets personal insurers exclude app time, how to check whether the denial is right, where to claim instead, and why hiding it backfires.
Coming soon
- Recording passengers with a dash cam in California
- Prop 22 occupational accident insurance
- DoorDash and other delivery crashes