I think the biggest message is that until it is clear, it is best to stay clear. The insurance companies will use any excuse not to pay out the insurance. I recall an accident I had during a weekday, and the insurer's first question was "Were you out on business". Had I answered yes, I would void my insurance and not be covered. Another time, I had to validate my driver's license, as it was close to being expired. Had it been, I would not have been covered.
I also agree about Uber's insurance, but in things I have read, Uber seems only willing to cover your deduction. You will note on their website they tell you to check your own insurance. Additionally, they take you on as a contractor, so they alleviate themselves of covering you. To cover everyone, the rates would be astronomical, as they would have to base it on driver's with the worst record, unless of course they check everyone individually. You can get coverage for Uber through your own insurance, but as noted from an earlier post I understand it is probably $5k+ per year.
As far as your coverage per your p.s., I think you would have to have personal insurance that covers you in the event of an accident in someone else's car in the event they are uninsured. I may be wrong, but I don't think your car insurance would cover that. If it were, what would happen to people who don't have car insurance. Under normal circumstances, the driver's liability pays for that, and if the insurance is voided due to misuse (Uber, no licence etc), the driver personally becomes liable. Of course you would have to sue them personally - and I wish anyone luck with that one.
To be clear, I am on the fence re the service, and am going to avoid it until it is straightened up, plus hope I don't get into an accident with one of them on a fare. If they can straighten it out, it is fair game for all.
