<prompt> Human: Ill try and give the long-story short version, but happy to provide details if necessary.So my really good friend purchased a Grand Cherokee in his name and also had insurance on his vehicle. I believe full-coverage, but at the least he had liability coverage.Anyways, a few weeks ago he is Ubering and gets rear-ended on the highway. There was a passenger who was injured, but apparently thats not his problem since she wasnt wearing her seat-belt and she gave testimony at the scene of the accident that the guy behind them who rear-ended my friends jeep was driving like an idiot, getting super close to them, etc. etc. Long story short - the other driver is UNINSURED, my friends car is totaled its drivable, but the trunk wont even open and theres ALL kinds of cosmetic damage in the rear-area of his vehicle, and he is looking for advice on what to do.His primary insurer declined to provide assistance because since he was Ubering that nullifies their insurance agreement. Thats fine, Uber decides to get involved and offers to cover the damage to my friends Jeep.Well today my friend gets the call that it is going to cost more to fix the car than the book value of it, so apparently Uber insurance is going to pay off the remainder of his loan and then be done with it - but that leaves him without a car?Is his only option to start looking for another vehicle to purchase? I guess logically that makes sense, but to me it just seems really unfair that he got rear-ended by another uninsured driver and now hes the one suffering the consequences.Thanks everyone! Hes asking me what to do and I have no idea, so figured this would be the place for advice.  <response>: Is his only option to start looking for another vehicle to purchase?Yes. I guess logically that makes sense, but to me it just seems really unfair that he got rear-ended by another uninsured driver and now hes the one suffering the consequences.This is why you carry the appropriate car insurance. He shouldve informed his auto insurance carrier that he drives for a ridesharing company so it was included in his policy. This sometimes changes the premium, sometimes it doesnt. He shouldve also carried uninsured motorist insurance as part of his policy. Lessons learned for next time. 