I think we all use them and love them.  It has radically changed how we think of public transportation.  

Yes the ride-sharing services of UBER(TM)  and Lyft(TM) (and others, I am sure) have radically transformed the way we are transported.

Many people are now using these services to help generate income.  Daily travel commutes from the suburbs to downtown have changed from costs to potential sources of income.  Those time gaps in your day can be turned into opportunities for income generation.  Easy - peasy, right?

What's the catch?

It's important to know that most personal auto insurance policies exclude coverage when you are using your auto for livery services unless you have a specific endorsement on your policy that provides coverage in those circumstances.  To provide for-hire transportation in your vehicle without that endorsement results in the exclusion of certain components of your auto coverage during that time period.  You are...