No — standard personal auto policies exclude commercial use, and rideshare driving falls into that gap. Uber and Lyft provide some coverage while you have a passenger, but there’s a window — when the app is on and you’re waiting for a ride request — where neither your personal policy nor the platform’s commercial policy applies cleanly. A rideshare endorsement fills that gap for a modest additional premium. If you drive for a rideshare company even occasionally, it’s a coverage conversation worth having.