Ridesharing insurance policies may cover different aspects of a driver’s activity depending on whether or not the driver is working. These periods are: No period: This is when the driver is not active, logged into the rideshare app, or carrying any passengers. The vehicle is considered a personal vehicle during No Period, covered by the driver’s personal insurance. Period 1: When the driver is logged into the app and waiting for a passenger, it is called Period 1. During Period 1, the driver or the TNC must maintain liability coverage. The TNC only has limited coverage during this period. Period 2: When the driver has approved a passenger and begins driving to pick the passenger up, they enter Period 2. During this period, the TNC must take on more liability. Period 3: This occurs when the rideshare driver has a passenger in the vehicle. The TNC must maintain coverage for accidents that occur during Period 3.