The only failing of Uber(maybe the legal system) is that there's either no legal requirement to check the driver has the correct insurance before allowing them

The only failing of Uber(maybe the legal system) is that there's either no legal requirement to check the driver has the correct insurance before allowing them on the platform and that doesn't exist because there's no law that requires it of Uber(w.r.t OPs comment) That's a a failing of your local/state/federal legislators not the company.