For folks in Virginia, Geico has rideshare insurance. Cost me personally an extra 50 per month but worth it for peace of mind knowing I'm covered for all phases; App off, looking for ride, have ride. They indicated that in the event of an accident that Geico should be called first, and Uber's insurance to be used as an umbrella. Highly recommend this product from them. The insurance sales persons in their commercial TNC department know all the lango and will work with you.