When you hitchhike, the driver's insurance is in effect. And when you get out of the car, it's still in effect. With Uber, as soon as you get out of the car, i

When you hitchhike, the driver's insurance is in effect. And when you get out of the car, it's still in effect. With Uber, as soon as you get out of the car, it's possible that the driver suddenly has no insurance in effect, until the next passenger gets in.