If on your insurance application or warranty application, you stated that the car was only for personal use, but you did use it for a commercial (money-making) use--that is, Uber--you failed to disclose a material (important) fact in applying for the coverage. The wear and tear, risk profile, etc. is different for a car used for business (especially something like Uber) than for personal use; they would have charged you more for the coverage or had you buy different coverage had you disclosed this fact. That failure to disclose would void the policy: they do not have to pay when you don't provide them with the relevant information. In this, you'd have to pay for the repair out of pocket.