I'm an Uber driver, who appreciate the work I have...

I'm an Uber driver, who appreciate the work I have thanks to Uber, but I can't seem to reach them in regards to questions I have. Additionally the whole 'not covered while using the app' deal is pretty underhanded. Basically they are saying if I get in an accident with the app, my life is ruined. Because I won't get replacement car/or anything so I'll be out of transportation. But what can I do, gotta work one way or another.