I agree. The insurance situation alone is, well, strange.

* Personal insurance does not cover commercial driving. UberX only requires personal insurance to be a driver.

* Uber's own insurance only covers when a passenger is in the car.

* Most insurance companies would consider being "online" as a commercial event. At the very least, Uber telling the driver to drive to a specific destination to pick someone up is definitely a commercial event.

* Therefore in my view of things, many UberX drivers are driving without proper insurance, a misdemeanor offense.

This can be solved by either making UberX/TNC drivers carry commercial insurance at the driver's own cost, or making Uber/TNC's blanket insurance cover the entire time a driver is on-duty as if the driver had full-coverage commercial insurance.