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The goal of Stride Health is to offer health insurance plans that match your budget and lifestyle. Your personal auto insurance policy will come into action, if you happen to be driving off duty and the Uber app is not open in your phone. Cab drivers, commercial vehicles and ride sharing are not given a cover under personal car insurance plans. Your insurance company can cancel your claim, if you were on duty for Uber when the accident took place. What can give you full cover is a commercial car insurance plan, though it is a little costly. Therefore, taking a ride share cover in your personal insurance plan would give you Uber cover at a much lower price as compared to a commercial policy.