Four different situations, four different answers
App off, and the driver’s personal policy applies. App on and waiting for a request, and a limited amount of company coverage typically applies. On the way to a pickup or carrying a passenger, and considerably higher limits usually apply. The company will take a position on which one it was.
Trip data settles it
App status is recorded. Where the company’s account of the driver’s status does not match what happened, the record is what resolves it, and that record sits with the company. A preservation demand sent early is what keeps it available.
Passengers, other drivers, and people on foot
A passenger, another motorist, a cyclist, and a pedestrian can all have claims. Whose policy responds depends on who was at fault as well as on the driver’s status.
Check your own policy too
Uninsured and underinsured coverage on your own auto policy can matter here, and it sometimes applies even when you were not in your own car.
