Life insurance

Most of the insurance cases I've been involved with or seen have been insured through James River Casulaty Insurance.  You can always look at the "waybill" tab and see who is carrying the insurance for a given ride.

You need your personal auto insurance that has various coverage options on it.  Since you will be on the road a lot, make sure you signe up for a Comprehensive Coverage, which covers for all damage to your own vehicle. (not just others).  Others like Liability are often required, in most states.

Your driving day can be broken up into three different areas.  #1) While you are waiting for a request, #2) While you have been requested and driving to pickup, and #3) You are driving a customer.

#1 is covered through your personal insurance.  #3 is covered through Uber or Lyft's insurance.  #2 should be covered by your personal insurance, but sometimes that is considered as a gray area.

"Uber" insurance isn't life insurance.

If you order a ride and are injured in an accident,  the at fault driver'auto s insurance policy is liable. 

The "coverage" offered by Uber and Lyft is generally only a supplemental liability policy if your Uber driver is at fault and underinsured.  

Sadly, if you're injured in an accident and your driver is at fault, YOU CAN'T SUE UBER, and would, instead, sue your driver who is an independent contractor.  (Good luck getting rich suing rideshare drivers who often make less than mimum wage...)