Now they do in California. As of July 1, TNCs are required to have full insurance coverage for all drivers, from app-on to app-off, regardless of what they're doing.
Starting July 1, California’s strict new insurance rules for Uber and its ride-hailing rivals took effect. The law, passed close to a year ago, aims to clear up the ambiguity around when drivers are truly on the roads working versus just driving around in their private cars, and whose insurance kicks in as a result. That may sound wonky, but it’s much more than legalese: as the tragic case that helped spur the legislation shows, it’s a genuine matter of life and death.
Wired magazine article here
Related article: New State-Level Insurance Policies Still Leave Gaps In Coverage