I never use Uber also because they don't have any license for clients transportation as well no real insurance so in case of an accident what will happen. Here in Thailand there is a huge battle from the regulated taxis against the uber company
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UBER is now banned in many countries, Italy included for instance.
but things may NOT be as you wrote, especially for insurance. I know already they are very professional, and allow to work only cars that have a private hire license FOR people transport and regular insurance. They are not running any illegal activity actually.
to be hone it's pretty honest one, but the problem mainstream doesn't disclose it for us... they just pop up some "news" to make audience... a shame