Can't speak for Oregon, but in many states, Texas included, Uber drivers CAN use their personal insurance and will NOT be dropped. Catch up with the times. The Rideshare gap coverage offered by many companies now along with $1 million umbrella coverage is more than sufficient. The fact you suggest that it impacts your decision to "pay more" is lame at best. If you are truly concerned about your safety due to insurance coverage, why would even ride with them, let alone pay less? It's a bs excuse, esp since in most cases (if not all) it's not even accurate.