Uninsured drivers

I just learned today that if you have an accident with an uninsured driver while on your way to pickup you're not insured. This is the case in California, whether it is elsewhere I don't know. The wording is, "Rideshare Period 2 Rejected"

It's also notable that another driver's insurance can declare the policy holder "denied coverage" and/or the insured can deny coverage.

This puts drivers at risk of a total loss.