State Farm has a ridesharing rider. I pay regular insurance and have the rider. Uber will only pay you through their insurance if you have a passenger in the car. State Farm has explicitly told me if I have the Uber app on and no rider, they will not pay. Don’t count on the Uber insurance because if you are on your way to pick up a passenger or recently dropped off a passenger, meaning no passenger in your car, Uber will not pay through their insurance. That is straight from the horse’s mouth, as I asked exactly that question. And if you think they will cover it, check the Uber policy again, it states its only good when you are carrying passengers. This does not include en route to or from the pickup or dropoff.
Let it go dude.