California rideshare and delivery driver guides

Plain-English guides for people who drive for Uber, Lyft, DoorDash and other apps in California, with links to the official sources.

• 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.