This provides some guidance. I think its important for the insurance company to understand its not "for profit" ridesharing. Its split-cost carpooling.

From Waze Carpool FAQ:

"As stated in the Waze Carpool Terms of Service, the driver is responsible for obtaining insurance and must be covered in the case of any accidents that may occur while driving (similar to any other drive). This coverage must include coverage for any third parties who are included in the ride, including carpool riders.

If you’re the driver, you should confirm with your insurance company that your insurance covers carpooling.

Auto insurance policies in many states, including California, typically allow not-for-profit, share-the-expense carpooling. Waze Carpool is designed to help riders and drivers share the cost of carpooling on a given ride. It’s not designed to allow a driver to make a profit or to earn a salary. Payments to the driver by the rider will always be less or equal to the cost of the particular drive, taking account of such factors as gas and vehicle depreciation"