Isn’t carpooling ride sharing? Seems that your insurance company could screw you over if you are transporting someone other than family or someone that isn’t on our policy.
Here’s a good summary of the insurance aspects of the ride services.
https://wallethub.com/edu/ridesharing-insurance/13884/
The exclusion is if I drive for a “donation or fee” through a “Transportation Network Company”, or if I let someone other than family use the vehicle while enrolled in a “Vehicle sharing program”. If Uber provides the insurance, I guess that would cover it. Now I just need to get me a smart phone... :)