Your personal automobile insurance does not cover incidents that occur when using your vehicle as a rideshare operation. Without a specific rideshare policy, you could find yourself in trouble when the unexpected happens. You can also be dropped by your private insurance if they realize you are using your personal vehicle in a commercial capacity.
Even with the rideshare company providing insurance, if a liability claim is levied, then the coverage from the rideshare company might not be enough – and you can be left holding the bag. If you plan on driving for a rideshare company, consider this: the more time you spend on the road, the more likely you are to have an accident. When that happens, you want the best insurance in the industry on your side.