Lyft Express and car insurance


Anyone here that is doing lyft express get any extra insurance coverage that is tied to you and not the car since its a rental? I'm kind of concerned about the fact that the hertz insurance that covers you when you don't have the app on is only a damage waiver for the rental vehicle itself and not for anything else like bodily injuries to yourself or the other party in the accident and the other persons car.

Seems pretty risky and am curious if other people here are just risking it or if they have purchased additional personal insurance for when your offline. Not sure yet how long I will be committing to driving lyft express but if I do end up driving this for longer than a month or so, I will seriously think about additional insurance.