Yes - this came from a simple insurance-company move: personal auto policies were built for private driving, not for making money. Once rideshare and delivery work took off, insurers added or relied on language excluding coverage when a vehicle was being used for a commercial purpose, such as carrying passengers for a fee or driving for an app.

Today in Idaho, that exclusion can hit hard after a crash in Boise, Nampa, Meridian, or anywhere else a driver was logged into Uber, Lyft, or another platform. A driver may think a personal policy will cover the wreck, only to learn the insurer is denying the claim because the car was being used for business. That can create a gap until the TNC company's policy is identified and the driver's app status is confirmed.

This matters because the timing of the trip often controls which insurance applies. Idaho law requires transportation network companies to carry coverage during certain phases of app use, but that does not mean the driver's own insurer must step in if a personal policy has a commercial use exclusion. After a serious injury, insurers may fight over whether the app was on, whether a ride had been accepted, and whose policy is primary. Getting the trip records, policy language, and any coverage denial in writing can make or break an injury claim.