However, the insurance provided by Uber and Lyft only cover when you have a passenger in the car -- they don't cover you when you are driving to pick up the next person. And your own insurance also doesn't cover you during that period, unless you buy a separate commercial rider.
> While you’re online with Uber before you accept a request, you are covered by our insurance policy for your liability to a third party if you are in an accident when you’re at fault
When I last renewed my insurance it offered me coverage for driving for rideshare for an extra $50 per 6 months (I think - I've never driven Uber/Lyft, so I didn't look too closely).
If I'm remembering it right that sounds like a very reasonable price
