[HappyTypist]

Uber doesn't require drivers to carry commercial insurance, because they already provide commercial insurance.

    Uber maintains commercial automobile insurance that covers U.S. partner drivers that operate under the “Ridesharing” or “Transportation Network Company” (“TNC”) model through Uber’s TNC subsidiaries, Rasier LLC and its affiliates.(1)

http://newsroom.uber.com/2015/01/certificates-of-insurance-u...

Most of us sees a purpose in paying tax. But, say example, you made an app that files your taxes just like an agent. You could call it TurboTax and sell it, and save $100s of dollars for tax filers. You provide insurance so that if your app does something wrong, you will reimburse people who get penalised.

[FireBeyond]

I think it's disingenuous (of Uber, not you) to tout this and -not- note that it's third-party and UI/UM only.

[themagician]

Yeah, they provide this now, after getting slapped. And even still it has gaps.

The point is, the law has always been: if you drive commercially, you need commercial insurance. This is what keeps most people from driving commercially.