An eight-mile detour to dodge traffic saves minutes but burns rubber, adds depreciation, and quietly eats margins. Track every segment, compare real-world miles to paid miles, and decide whether distance-heavy offers deserve a premium or a polite, quick decline without second-guessing.
Personal policies often exclude commercial use, leaving gaps bigger than any tip. Explore rideshare endorsements, courier-friendly liability, dashcam considerations, and what to ask agents before a claim day arrives. Share your coverage victories or pitfalls to help peers dodge costly surprises together.