Are they the primary or secondary insurer when a driver is actively on delivery? I was involved in an accident with someone's food in my car (so phase 3) and after giving a statement and everything to the James River adjuster, the other party's insurance calls me and says JR told them that the former will only cover excess/what my personal insurance won't because I am transporting food rather than people. However, both the eats and rides websites appear to say that the coverage is identical for both besides the fact that eats drivers don't get Uninsured/underinsured motorist bodily injury coverage. I would think thar primary vs secondary would be a pretty important difference to make clear to drivers; it's explicitly stated on both sites that JR is the secondary in period 1 (online between assignments) which seems to imply that they are the primary for periods 2 and 3. https://www.uber.com/newsroom/insurance-for-delivery-partners-operating-on-the-ubereats-app/ Also, is the full text of the JR's policy with Uber publicly available anywhere? I found a version on therideshareguy.com but it's over two years old. My state is California. Thanks in advance.