Personal auto insurance generaly does not cover any business use or for when vehicle is used in a rideshare company like Uber or Lyft. The rideshare companies have some coverage under their policy for when a customer is picked up, but this is limited and has restrictions. Rideshare companies offer limited coverage for your vehicle for when your waiting for a call but have not accpeted one yet. You can avoid this "gap" in coverage by selecting the rideshare endorsement with you auto insurance policy.