If you are thinking yourself as Uber driver, first of all you need to check the scope of insurance provided by Uber. Usually there are 3 phases while you are driving with Uber.
Phase 1: Waiting for the passenger: Uber does not provide insurance
Phase 2: Starting with Uber passenger: They do
Phase 3: Letting the passenger out of car: They do
Therefore even you have traffic accident while you were waiting for the passenger, Uber does nothing. By the source who are doing as Uber driver in USA, 80% of Uber drivers are driving without insurance.
As the Uber drivers are getting expanded, Farmers Insurance company is providing the service for some states in USA. Need to check the information, if you can get the benefits.