The value of Uber driver protection, often known as rideshare insurance, varies depending on individual circumstances. Standard personal auto insurance usually doesn't cover commercial activities like ridesharing. Uber does provide insurance, but the coverage levels may vary based on the driver's status at the time of an accident (e.g., app off, app on but no passenger, en route to or with a passenger). Purchasing additional rideshare insurance can fill in potential coverage gaps, offering more comprehensive protection against liability and damages. Before making a decision, it's advisable to review your existing insurance policy, Uber's coverage, and any additional rideshare insurance options.