As an Uber driver, it wouldn't be worth the additional expense of buying a business policy. However, it's essentially the same situation as when I was a pizza delivery driver in college. That also requires commercial insurance, yet when I was hit by an uninsured driver, my policy still covered me. Why? Because the police will not put anything in the report that is not relevant, and that includes the specific reason that a driver is driving. He didn't put in the report that I was delivering pizzas, and if an Uber driver is in an accident, the officer will only mention that a passenger was pre