A personal auto policy and coverage for app-based work can have different terms. After a collision, preserve the policies and app records from the accident date instead of assuming that one insurance summary answers every coverage question.
Updated October 16, 2026.
Keep the policy documents that were in effect
Save the declarations, policy wording, endorsements and renewal notices. The present version may differ from the version in force when the crash happened. Ask the insurer to identify the documents on which a coverage position relies.
Document the stage of the work
Preserve information showing whether an app was off, waiting for a request, traveling to a pickup or carrying a passenger. If more than one app was involved, preserve each relevant record and explain what you know accurately.
Separate the different coverage questions
Liability, uninsured motorist, medical-payment and vehicle-damage coverages serve different purposes. Driver-related benefits can raise additional questions. Do not assume that a coverage available to a passenger is identical to a benefit available to a driver.
Keep a clear record of insurer communications
Record claim numbers, adjuster contacts and document requests. Retain written decisions and proposed releases. If an insurer refers you to another insurer, save that explanation and ask which issue is still unresolved.
Ask about the actual policy and applicable procedures
Bring the trip records and policy file to an attorney or qualified insurance professional. Ask which terms, notice requirements and deadlines need attention. A general example cannot guarantee that a particular policy will pay.
Related information
Request a free case evaluation
Call Fairmont Law Firm at (800) 324-7666 or request a free case review. Intake assistance is available 24/7 in English and Spanish.
General information only, not legal, medical or insurance advice. Outcomes, deadlines and coverage depend on the facts. An inquiry does not by itself establish an attorney-client relationship.