Bungert said that he had been hit while driving his wife to downtown Minneapolis.

"He spun me around and pushed me into a lamppost," said Bungert. "I was crossing an intersection and a car burned a red light and knocked on the door."

Nobody was hurt, but his car is destroyed. And it turns out that the other driver was a Uber service driver who had a passenger.

"There are so many gaps in this and you really need to understand what you have and what you do not have," said Dawn Janes-Bartley of the Minnesota Insurance Group in Wayzata.

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Janes-Bartley said many insurance companies are now changing their auto insurance policies to clearly exclude any coverage for carpool services and other application-based services. And it's not just Uber and Lyft. The same issues apply to all application-based services where users use their own vehicles for work, such as the Instacart Grocery Service and the GrubHub Food Delivery Service.

"They call it the transport network," she said. "So, as soon as you log in to the app and you're ready to use your service, your coverage stops as soon as you activate your app."

It's at this point that the business insurance comes in. However, this poses a problem. This is sometimes the minimum minimum coverage and does not always cover damage to vehicles.

"They are not going to have to cover you for your car," Janes-Bartley said.

For example, the Uber website explains in detail how to limit its coverage and then improves once the drivers are about to recover their rates. According to the website, the company's coverage is better once a passenger gets into the vehicle.

Some insurance companies are currently selling carpool-friendly policies that fill gaps. But this cover has an additional cost.

"It's a supplement for a few hundred dollars a year." It works like a puzzle and fills those gaps, "Janes-Bartley said.

However, drivers who work for these application-based services are not required to have this additional and more expensive coverage. Janes-Bartley said that all drivers can help protect themselves by knowing and possibly increasing their own uninsured and uninsured coverage, which she says is often not very expensive.