I used to assume my regular auto insurance was enough, but I later discovered why insurers draw a hard line between personal and commercial use. Paid passenger trips increase liability exposure significantly, which standard policies are not priced or structured to handle. If I relied only on my personal policy and got into an accident, my claim could be denied, leaving me personally responsible for damages and medical costs. That’s why Uber insurance became essential for me—it’s designed to cover commercial activity and protect me from serious financial and legal consequences.