Hit while working rideshare, driver took off — now stuck between two insurances??

I drove for a rideshare platform for two years and had something similar happen — not a hit-and-run but the dual insurance runaround is SO real. What I learned the hard way is that coverage actually depends on what "phase" you were in when the crash happened. Were you just app-on waiting, on your way to a pickup, or had the passenger already gotten in? Each phase can trigger different coverage levels. Sounds like you were in the pickup phase which should mean the platform's commercial policy was active. Keep documenting everything.

Please don't brush off that headache and foggy feeling. A rear-end impact can cause a mild concussion or whiplash even if you feel like you "walked away fine." I'd strongly suggest getting seen by a doctor or urgent care — not just for your health but because having a medical record from right after the accident matters a lot if symptoms get worse later. Soft tissue stuff can sneak up on you over days. Don't wait on this part.

Both insurers pointing fingers at each other is a classic move. They're each hoping you just give up or pay out of pocket. Don't let them pass you back and forth indefinitely. Get everything in writing — every call, every email. If an adjuster tells you something verbally, follow up with an email summarizing what they said. Paper trail is everything here.

Spent years on the inside and this rideshare gap situation is genuinely messy even from the adjuster's side. Here's the thing — if police find the hit-and-run driver, his liability insurance becomes the primary target and suddenly both of your insurers get a lot more cooperative. Keep pressure on the police report and get the case number. Also ask both insurers directly: "If the at-fault driver is identified, how does your coverage position change?" Make them answer that in writing.

A few practical steps that can help you right now:

1. Get the police report number and request a copy as soon as it's available — usually a few business days. 2. Send a formal written notice to the rideshare platform's claims department (not just customer support) referencing the date, time, and your account status at the time of impact. 3. Keep a simple daily log of your headache, sleep, anything that feels off physically — dates, times, severity.

None of this is legal advice, just process stuff that tends to matter later.

I just want to say — you handled that really well in a scary moment. Getting the plate photo while you were shaken up took real presence of mind. Don't let the insurance stress overshadow the fact that you need to take care of yourself first. The headache stuff worries me. Please go get checked out, even if you think it's nothing.

Three things: See a doctor today, not tomorrow. File a uninsured/hit-and-run claim immediately with your personal insurer even if they pushed back — put them on notice in writing. And stop trying to figure out the insurance puzzle yourself. If the deductible demand feels wrong, get a PI lawyer on the phone before you pay anything. Most do free consultations and work on contingency so it costs you nothing upfront.