My insurance just told me that, if i accept an uber/lyft ride, that i have no coverage

I’m in Wisconsin… I have American Family and they offer a rider which covers me completely… not expensive at all…

When I got into an accident last year in Miami I used my pip thru progressive n I received a settle mentioned thru Raiser insurance thru Uber. I hired a lawyer n went to the chiropractor for 5 months.