Insurer wants my gig app login after accident — do I have to hand it over??

The key question your insurer is trying to answer is which "phase" of delivery you were in. Most gig-economy insurance policies and exclusion clauses distinguish between actively carrying an order, available and waiting for an order, or fully offline. Being logged in but with no accepted batch is generally considered personal time — but how your specific policy is worded matters a lot. Pull out your declarations page and look for any delivery or TNC exclusion language. If you can't parse it, that's a good reason to have someone read it with you before your next conversation with the adjuster.

Worked claims for years — asking for your actual login credentials is not standard practice and honestly raises eyebrows on my end. What they can reasonably request is a copy of your trip/delivery history for the relevant time period, which you can usually export or screenshot yourself. Handing over a username and password gives them far broader access than they need to verify one simple fact. I'd push back on that specific ask and offer the records instead. Document everything you send them in writing.

Just want to flag — however the insurance stuff shakes out, make sure you got checked out too if you haven't. Rear-end impacts, even ones that feel minor, can show up in your neck and back days later. Don't let the claims stress distract you from your own health. Document any symptoms even if you think they're minor.

Ugh, this sounds so stressful. You were just driving home after picking up your kid basically, and now you're dealing with all this. Please don't hand over your actual login — that feels like a huge overstep on their part. Hope you get some clarity soon 💙

Quick question — when you say you were "logged in but idle," do you mean you had the availability toggle on and were just waiting between orders, or had you actually toggled off for the night? Because those can look different in the app logs and your insurer might interpret them differently. Worth being really clear on that before you send any records over.

Not legal advice, but I'd say this: once a bodily injury claim is in the mix and your insurer is asking questions that could lead to a coverage denial, you've crossed into territory where a quick consult with a PI attorney costs you nothing and could save you a lot. Most will do a free call. The credential request alone is worth getting a professional opinion on before you respond. Don't feel rushed.