you once you have received and accepted a ride request. but it may not cover you while you are waiting to receive a ride request or after you have received a ride request but before you have accepted that request.
in the same way, the ride-sharing policy may cover you while you are transporting your passenger. but the moment you drop off your passenger, and you are then waiting for another ride request to come in, you may not be covered.
imagine the mess this could cause. your personal insurance company saying you were working at the time an accident happened, and they won’t pay. your ride-sharing insurance company saying you had 