Uber covers you while your driving, that does not prevent insurance companies from denying claims or dropping coverage on former or current Uber drivers because they don't have commercial insurance on their now-commercial vehicle.

If you're ever in an accident while not driving for Uber, the insurance company will ask you if you've ever used this car to drive for a ride-sharing service. This could be grounds to void your policy. And Uber will not cover you in this situation.

https://www.reddit.com/r/uberdrivers/comments/44vuoa/insuran...